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Presentation on theme: "MAINE MUNICIPAL ASSOCIATION Risk Management Services 1."— Presentation transcript:

1 MAINE MUNICIPAL ASSOCIATION Risk Management Services 1

2 Management Plan  Financial Management  Budget Preparation  Includes: Risk Management  Protection of Workers  Protection of physical assets (inventory and keep records)  Protection for Liability  Continuity and Integrity of operations (service) 2

3 Workers Comp – Is Required by Maine Law  Premium is based on payroll, class codes and loss experience.  Experience MOD  Less than 1.0 is desirable  Loss Ratio  Less than 60% is desirable  Frequency vs. Severity 3

4 Property & Contents & Other Coverages  Buildings & Appurtenant Structures  Contents  Boiler & Machinery ( B&M)  Mobile Equipment (Equip & Machinery that goes to worksite)  Fleet  EDP (Electronic Data Processing)  Liability POL (Public Officials Liability)  Cyber Liability (New) 4

5 Insurance Sources  Commercial  Self-Insurance Self/TPA administered  Group Self-Insurance Advantages – Stable premium, services, dividends 5 MMA – A Membership Association (Not a state agency)  MeWEA is an Affiliate Member  We work cooperatively with MRWA, MWUA, NNS&H Council, SafetyWorks! and others.

6 MMA-Risk Management Services (RMS)  Member Services  Underwriting  Claims P&C and WC  Loss Control 6 Loss Control Department Overview  7 Staff – Assigned Geographically  Experience – 100+ years

7 What Does LC Do? For Members: a) Hazard inspections b) Training c) Consulting (policies, procedures, risk management questions) Internal: a) Property Surveys b) Marshall & Swift evaluations (property values) c) Identify high risk exposures – The eyes and ears of underwriting. 7

8 Maine Department of Labor  Compliance Inspections are unannounced Can result in citations ($$$)  SafetyWorks! Website resources “Ask the expert” Consulting – industrial hygiene SHAPE 8

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. OSHA  MDOL – public sector  OSHA – private sector 9

10 Compliance Directive: Water/Wastewater  Written Programs Respiratory protection program Confined space Hazard communications Blood borne pathogens/exposure control plan Lockout/Tagout (In-house maintenance on vehicles) Hazard assessment for personal protective equipment Emergency action plan for facility Hearing conservation program 10

11  Required Training Hazard 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 11

12  Records Maintained Confined space permit(s) for one year Lockout /Tagout program inspection (annual) Blood borne pathogens (Hepatitis shots/waivers) Tabulated data for trench box(s) Inspection data for lifts and hoists Respiratory medical clearances Respirator fit test (specific to mask type) OSHA 300 injury/illness log Training records 12

13  Equipment Inspections Ladders Slings, straps and chains Power and hand tools (safe condition) Lifts and hoists Personal protective equipment – (safe condition) Fire extinguisher (monthly) Fire extinguisher (annual maintenance check) Eye wash stations (operational and unobstructed) Respirators per mfg. recommendations Vehicle lifts (annual) Jacks – periodic inspection Jack stands (if damaged) Metering equipment calibration (per manufacturer) Welding equipment – covers and lead terminals Welding equipment – damaged leads Welding equipment – damaged Electrode Holder Storage of acetylene/oxygen cylinders Cylinders protected against damage Air compressor relief valve (per manufacturer) Sander body storage racks (load rated) 13

14  Facility Inspection Electrical outlets & switches – cover plates installed GFCI receptacles in wet locations and operable Extension cords – temporary use only Power strips – (not piggybacked) Electrical ground pins in place Electrical branch circuits labeled Electrical box knockout and breaker covers in place Electrical panels accessible Wiring supported and protected from damage Stairs, treads and railings – safe condition Ladders safe condition Floor loading protection (overhead storage) Furnace, boiler room and storage – housekeeping Exits unlocked and useable Exit signs in place and proper size Exit and exit discharges clear of snow and ice Exits and exit routes free and unobstructed Emergency and exit lights, alarms and fire doors operational Machine guarding of moving parts Eye-wash stations (operational and unobstructed) Flammable & combustible storage l Housekeeping & sanitation 14

15  Grants/Scholarships  Since 1999 $3.3 million  May & October  Online Training  Partnership 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 Shorts  Best Practices Other Resources: 15

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. 16

17 - Sources for Help - SafetyWorks! Maine Department of Labor 45 State House Station Augusta, ME 04333 207-623-7900 Email: Website: Maine Municipal Association Risk Management Services Loss Control Department 60 Community Drive PO Box 9109 Augusta, ME 04332-9109 207-626-5583 Website: Best Practices – Safety Shorts – Online Training – Grants/Scholarships NNE Health & Safety Council 405 Western Ave #317 South Portland, ME 04116 207-85-8441 or 888-396-2047 Fax: 207-222-0105 Website: 17 Office of State Fire Marshal 52 State House Station Augusta, ME 04333 207-626-3870 Email: Website:

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