Presentation on theme: "MRWA Risk Management Protection of Assets Resources"— Presentation transcript:
1 MRWA Risk Management Protection of Assets Resources MAINE MUNICIPAL ASSOCIATIONRisk Management ServicesMRWARisk ManagementProtection of AssetsResourcesPresented By: Ed MacDonald Loss Control Manager Risk Management Services Maine Municipal AssociationSelf introduction – WWTP/MWCA experience – Transition to safety/loss controlTraining Vs. learning management through error
2 Management Plan Financial Management Includes: Risk Management Budget PreparationIncludes: Risk ManagementProtection of WorkersProtection of physical assets (inventory and keep records)Protection for LiabilityContinuity and Integrity of operations (service)Who Here is responsible for the budget process?Who here has been involved in the budget process? Seen the operating budget? Been asked to provide input for setting a budget?Is there line item for managing safety? Is the reduction of losses a goal for cost control?
3 Workers Comp – Is Required by Maine Law Premium is based on payroll, class codes and loss experience.Experience MODLess than 1.0 is desirableLoss RatioLess than 60% is desirableFrequency vs. SeverityExperience MOD – Based on 3 years losses, doesn’t include most current year (open claims) 1.0 Ave MOD – Credit Mod vs. Debit ModLoss Ratio – loss costs as a percentage of premium paid. Candy bar analogy.Frequency vs. Severity (cost)
4 Property & Contents & Other Coverages Buildings & Appurtenant StructuresContentsBoiler & Machinery ( B&M)Mobile Equipment (Equip & Machinery that goes to worksite)FleetEDP (Electronic Data Processing)LiabilityPOL (Public Officials Liability)Cyber Liability (New)Explanation of coveragesEDP and CYBER – Use of portable devices – hackersNew things to consider cyber and drones.
5 MMA – A Membership Association (Not a state agency) Insurance SourcesCommercialSelf-InsuranceSelf/TPA administeredGroup Self-InsuranceAdvantages – Stable premium, services, dividendsMMA – A Membership Association(Not a state agency)All of RMS under one roof, all in Maine – Municipal and Quasi Municipal insurance is what we do and all we do (Specialists)Working relationships with affiliate members and state agencies - MBOLMeWEA is an Affiliate MemberWe work cooperatively with MRWA, MWUA, NNS&H Council, SafetyWorks! and others.
6 MMA-Risk Management Services (RMS) Member ServicesUnderwritingClaimsP&C and WCLoss ControlLoss Control Department OverviewRelationship between Underwriting, Claims and Loss Control – roles of each7 Staff – Assigned GeographicallyExperience – 100+ years
7 What Does LC Do? For Members: Internal: Hazard inspections Training Consulting (policies, procedures, risk management questions)Internal:Property SurveysMarshall & Swift evaluations (property values)Identify high risk exposures – The eyes and ears of underwriting.Hazard Inspections W/C exposures and loss exposures – MBOL employee injury only.Internal – Underwriting is the customer
8 Maine Department of Labor ComplianceInspections are unannouncedCan result in citations ($$$)SafetyWorks!Website resources“Ask the expert”Consulting – industrial hygieneSHAPE
9 Insurance Inspection vs. MDOL Inspection: MDOL is focused on employee safety only.Insurance provider will look at lines of coverage (example: property and liability exposures).MDOL vs. OSHAMDOL – public sectorOSHA – private sector
10 Compliance Directive: Water/Wastewater Written ProgramsRespiratory protection programConfined spaceHazard communicationsBlood borne pathogens/exposure control planLockout/Tagout (In-house maintenance on vehicles)Hazard assessment for personal protective equipmentEmergency action plan for facilityHearing conservation programSubject: Public Works, Water, Sewer and Sanitary DistrictsPurpose:This list is a guide only. It is not a complete list of all items, but includes the “key” items to comply with the Bureau of Labor Standards inspection criteria. This list is based on MRSA Title 26, the adopted OSHA standards located in 29 CFR 1910 and 1926 and Code of Maine Rule. You should refer to these standards for a more detailed description.
11 Required TrainingHazard communications (initial)Confined space (initial)Confined space simulated rescues (annual)Lockout/Tagout (initial)Hearing conservation (initial and annual)Emergency action plan (initial)Blood borne pathogens (initial and annual)Fire extinguisher (annual)Forklift (initial and an evaluation every three years)Ladders (initial)Work-zone safety and flagging (initial)Trenching and excavation (initial)Personal protective equipment (initial)Respiratory protection (initial and annual)Training commensurate with duties
12 Records MaintainedConfined space permit(s) for one yearLockout /Tagout program inspection (annual)Blood borne pathogens (Hepatitis shots/waivers)Tabulated data for trench box(s)Inspection data for lifts and hoistsRespiratory medical clearancesRespirator fit test (specific to mask type)OSHA 300 injury/illness logTraining records
13 Equipment Inspections LaddersSlings, straps and chainsPower and hand tools (safe condition)Lifts and hoistsPersonal protective equipment – (safe condition)Fire extinguisher (monthly)Fire extinguisher (annual maintenance check)Eye wash stations (operational and unobstructed)Respirators per mfg. recommendationsVehicle lifts (annual)Jacks – periodic inspectionJack stands (if damaged)Metering equipment calibration (per manufacturer)Welding equipment – covers and lead terminalsWelding equipment – damaged leadsWelding equipment – damaged Electrode HolderStorage of acetylene/oxygen cylindersCylinders protected against damageAir compressor relief valve (per manufacturer)Sander body storage racks (load rated)
14 Facility InspectionElectrical outlets & switches – cover plates installedGFCI receptacles in wet locations and operableExtension cords – temporary use onlyPower strips – (not piggybacked)Electrical ground pins in placeElectrical branch circuits labeledElectrical box knockout and breaker covers in placeElectrical panels accessibleWiring supported and protected from damageStairs, treads and railings – safe conditionLadders safe conditionFloor loading protection (overhead storage)Furnace, boiler room and storage – housekeepingExits unlocked and useableExit signs in place and proper sizeExit and exit discharges clear of snow and iceExits and exit routes free and unobstructedEmergency and exit lights, alarms and fire doors operationalMachine guarding of moving partsEye-wash stations (operational and unobstructed)Flammable & combustible storagel Housekeeping & sanitation
15 Other Resources: Grants/Scholarships Online Training Safety Shorts Since 1999 $3.3 millionMay & OctoberOnline TrainingPartnership with FirstNet Learning. 50+ courses offered. No cost to members.Since October 2004 more than 19,000 users have taken more than 110,000 courses.Some courses may be accepted by DEP/JETCC for CONT. ED credits. (up to 6 of required 18 can be safety)Safety ShortsBest PracticesSamples are in handout packetOnline training and grants/scholarships are available to participants in MMA insurance programs only. Other web based resources are not password protected.
16 Loss Control/Risk Management Program Treat as an important part of management equal to everything else.Starts at the top but must involve employees at all levels.To make it work you must understand it, practice it and promote it! Needs positive involvement and visibility.Closing thoughts – questions/discussion
17 - Sources for Help -SafetyWorks! Maine Department of Labor 45 State House Station Augusta, ME Website: Maine Municipal Association Risk Management Services Loss Control Department 60 Community Drive PO Box 9109 Augusta, ME Website: Best Practices – Safety Shorts – Online Training – Grants/Scholarships NNE Health & Safety Council 405 Western Ave #317 South Portland, ME or Fax: Website:Office of State Fire Marshal52 State House StationAugusta, ME 04333Website: