1. MRWA Risk Management Protection of Assets Resources
MAINE MUNICIPAL ASSOCIATION
Risk Management Services
MRWA
Risk Management
Protection of Assets
Resources
Presented By: Ed MacDonald Loss Control Manager Risk Management Services Maine Municipal Association
Self introduction – WWTP/MWCA experience – Transition to safety/loss control
Training Vs. learning management through error

2. Management Plan Financial Management Includes: Risk 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)
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 MOD
Less than 1.0 is desirable
Loss Ratio
Less than 60% is desirable
Frequency vs. Severity
Experience MOD – Based on 3 years losses, doesn’t include most current year (open claims) 1.0 Ave MOD – Credit Mod vs. Debit Mod
Loss Ratio – loss costs as a percentage of premium paid. Candy bar analogy.
Frequency vs. Severity (cost)

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)
Explanation of coverages
EDP and CYBER – Use of portable devices – hackers
New things to consider cyber and drones.

5. MMA – A Membership Association (Not a state agency)
Insurance Sources
Commercial
Self-Insurance
Self/TPA administered
Group Self-Insurance
Advantages – Stable premium, services, dividends
MMA – 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 - MBOL
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
Loss Control Department Overview
Relationship between Underwriting, Claims and Loss Control – roles of each
7 Staff – Assigned Geographically
Experience – 100+ years

7. What Does LC Do? For Members: Internal: Hazard inspections Training
Consulting (policies, procedures, risk management questions)
Internal:
Property Surveys
Marshall & 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
Compliance
Inspections are unannounced
Can result in citations ($$$)
SafetyWorks!
Website resources
“Ask the expert”
Consulting – industrial hygiene
SHAPE

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

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
Subject: Public Works, Water, Sewer and Sanitary Districts
Purpose:
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 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

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

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)

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

15. Other Resources: Grants/Scholarships Online Training Safety Shorts
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
Samples are in handout packet
Online 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 Marshal
52 State House Station
Augusta, ME 04333
Website: