1. Falls & Roofing at CNA

2. The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. BLS Statistics – Roofing: Falls are the #1 killer in Roofing Fatalities in roofing are 6 times higher than CST average 78 deaths in 2001 73% were falls Fatality rate for Construction is 13.7 / 100,000 full time workers Roofing is 28.2; 3 rd highest in Construction Average age of roofers is 37 years old In 1999: Falls: 48 of 56 deaths were the result of falls (86%) 1/3 of fatal falls at less than 20 feet

3. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Falls by Incident Types: 1980-1994 (NIOSH)#% Falls through roof Through roof opening433.5 Through roof (non supportive materials)131.1 Through skylight836.7 Through roof (unspecified)1038.4 Falls from Roof Falls from structural members191.5 From roof96178.1 Roof (unspecified)6.50 Total1230100

4. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. CNA Results: Fall from Elevations – 2003-2005 Accident Years: Accounted for 32% of the frequency Accounted for 40% of the severity Loss Source: (All Periods) Roof – Roof Openings (#1 in terms of severity/loss) Roof Edge (#1 in frequency) to include hoisting areas Ladder – 6% of Frequency and 10% of Severity

5. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. CNA Results: Falls – Where are they happening: Openings (14%) Edge (42%) Scaffold (8%) Ladder (27%) Misc (13%)

6. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. CNA Results: Activities: Unknown (42%) Walking/working (30%) Activity (16%) Laying felt Tearing off Cutting off Openings (12%)

7. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. CNA’s Roofing Book – Summary Lack of experience and training Most fatalities to workers with less than 3 years experience Many injuries to workers within 1 st month of employment Falls account for 40%+ of claim costs $120,000+

8. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Safe Work Practices 100% fall protection on roofs is an achievable objective! 1.Pre-task Analysis Done at time of estimation Documented to address a # of issues – primarily fall system to control falls Review and signoff Done during pre-plan to ensure equipment is on-site when project starts A fall system in preferred versus using a safety monitor. Monitors should be last resort.

9. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Safe Work Practices 2.Edge Protection (100% protection) Warning lines @ 6’ and 10’ still acceptable Options for protection at/near edge: Guardrails affixed to exterior of structure or stationary (tied off during installation) PR 600 – provides for tie off of 2 people Restraint system: Anchor plates installed 7’ or 11’ back from edge spaced every 10’ 3/8” aircraft cable strung between anchors and properly anchored Employees wear safety harnesses with shock absorbers Employees work outside warning lines must be tied off

10. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Safe Work Practices 3.Hole/Opening Protection (100% protection) Cover ¾” Plywood Min. (capable of supporting twice intended load) Anchored to prevent movement (mechanically fastened) Marked “Hole Opening – Do Not Remove” (English/Spanish) PR 600 Guardrails

11. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Safe Work Practices 3.Hole/Opening Protection (100% protection) Safety Nets Safety Net Material strung between 2 poles and placed over the opening Pre-fabricated – ease of use Benches Constructed of wood (substantial) 18-24” tall on 4 legs and fully checked to cover opening (skylight) Pre-fabricated and allows roofing of skylight with protection in place

12. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Safe Work Practices 4.Materials Receiving areas and chutes (100% Protection): Guardrails PR 600 Restraint System 5.Ladders: Guardrails either side to access and still be protected at edge Controlled access to the warning line system Stairway Towers

13. Falls & Roofing at CNA The information and suggestions presented in this document have been developed from sources believed to be reliable, but they should not be construed as legal advice. CNA accepts no legal responsibility for the correctness or completeness of this material or its application to specific factual situations. Consult competent legal counsel before deciding how to proceed in any specific situation. This document is for illustrative purposes only and is not a contract. Only an insurance policy can provide actual terms, coverages, amounts, conditions and exclusions. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2005 Continental Casualty Company. All rights reserved. Survival of the Safest Good contractor safety records are no longer a luxury; they are considered a necessity of survival Safety is an investment, the cost of safety programs is no more expensive than any other commitment deemed as valuable Good safety results in a competitive advantage Safety has a direct impact on profit!