“Your Complete Outsourcing Employers Solution” Loss Control is Cost Control A Safety Management Presentation By Tri-State’s Risk Management Department

““Your Complete Outsourcing Employers Solution”Your Complete Outsourcing Employers Solution”

Loss ControlLoss Control isis Cost ControlCost Control

A Safety ManagementA Safety Management

PresentationPresentation

By Tri-State’sBy Tri-State’s

Risk Management DepartmentRisk Management Department

Tri-State Employer Services

Risk Management Mission StatementRisk Management Mission Statement

Tri-State Employment Services, Inc. (and Tri-State Employment Services, Inc. (and affiliated companies) Mission Statement for Risk affiliated companies) Mission Statement for Risk Management (Loss Control, Underwriting & Management (Loss Control, Underwriting & Claims Management) is to develop and maintain Claims Management) is to develop and maintain an integrated multi-disciplinary program to an integrated multi-disciplinary program to effectively manage and preserve Tri-State effectively manage and preserve Tri-State Employment Services, Inc. (and affiliated Employment Services, Inc. (and affiliated companies) and our client companies’ resources, companies) and our client companies’ resources, assets and liabilities.assets and liabilities.

Tri-State Risk ManagementTri-State Risk Management

Tri-State Risk ManagementTri-State Risk Management Vision StatementVision Statement

The vision of the Risk Management Department is to:The vision of the Risk Management Department is to:

• continually improve services to our organization and client continually improve services to our organization and client companies,companies,

• protect human, physical and financial assets and resources,protect human, physical and financial assets and resources,• help maintain a safe and healthy work environment, help maintain a safe and healthy work environment, • assist and educate others in meeting regulatory compliance-assist and educate others in meeting regulatory compliance-

related responsibilities, and related responsibilities, and • promote a risk-conscious climate in a manner consistent with promote a risk-conscious climate in a manner consistent with

the mission and vision of Tri-State Employment Services, the mission and vision of Tri-State Employment Services, Inc., its affiliated companies and our client companies.Inc., its affiliated companies and our client companies.

Tri-State Risk ManagementTri-State Risk ManagementIndustry Types Serviced:Industry Types Serviced:

Assisted Living HomesAssisted Living Homes OfficesOfficesAuto MechanicsAuto Mechanics PaintersPaintersCar DealershipsCar Dealerships Physician OfficesPhysician OfficesCarpentryCarpentry Printing Ops.Printing Ops.ConstructionConstruction RestaurantsRestaurantsDay care CentersDay care Centers Retail StoresRetail StoresHospitalsHospitals School Bus Ops.School Bus Ops.IT SpecialistsIT Specialists TruckingTruckingJanitorial servicesJanitorial services Warehouse Ops.Warehouse Ops.ManufacturingManufacturing And many more… And many more…

Tri-State Risk ManagementTri-State Risk Management Is your business at risk ?Is your business at risk ?

• Human Resources, e.g., retrain/replace Human Resources, e.g., retrain/replace employeesemployees

• Fixed assets, e.g., damage to equipment/materialFixed assets, e.g., damage to equipment/material

• Continuity of operations, e.g., investigate incidentContinuity of operations, e.g., investigate incident

• Market position, e.g., delayed deliveriesMarket position, e.g., delayed deliveries

• Regulatory compliance, e.g., OSHA, DOT, SECRegulatory compliance, e.g., OSHA, DOT, SEC

• Financial stability, e.g., decreased revenue /increased expensesFinancial stability, e.g., decreased revenue /increased expenses

• Liability, e.g., corporate / personal responsibilityLiability, e.g., corporate / personal responsibility

• Image to employees & public, e.g., news articles, SEC Image to employees & public, e.g., news articles, SEC investigations, and competitors derogatory statements investigations, and competitors derogatory statements


Management’s Safety MisconceptionsManagement’s Safety Misconceptions

• Internal conditionsInternal conditions

– It never happened before! Why do anything?It never happened before! Why do anything?– We’re OK. We have insurance coverage.We’re OK. We have insurance coverage.– Our Insurance Carrier will not increase our costs or cancel Our Insurance Carrier will not increase our costs or cancel

our policy!our policy!– Our company’s Experience Modification will not be Our company’s Experience Modification will not be

impacted!impacted!– We don’t have time to implement safety policies and We don’t have time to implement safety policies and

procedures!procedures!– It always happens to the next guy!It always happens to the next guy!


Management’s Safety MisconceptionsManagement’s Safety Misconceptions(continued…)(continued…)

• Production PrioritiesProduction Priorities

– No time or manpower to get safety things doneNo time or manpower to get safety things done

– No time for safety meetings; training, etc.No time for safety meetings; training, etc.

– Senior management will not support safety policies and proceduresSenior management will not support safety policies and procedures

– Safety policies and procedures will cost to much $$$$$Safety policies and procedures will cost to much $$$$$

– The “Law” does require companies to implement safety policies The “Law” does require companies to implement safety policies and proceduresand procedures


Direct Worker’s Compensation ComponentsDirect Worker’s Compensation Components

• Medical Expenses (Unlimited)Medical Expenses (Unlimited)

• Disability / Indemnity (Statutory Limits)Disability / Indemnity (Statutory Limits)• Temporary TotalTemporary Total• Permanent TotalPermanent Total• Temporary PartialTemporary Partial• Permanent PartialPermanent Partial

• Death Benefits (Statutory Limits)Death Benefits (Statutory Limits)

• Rehabilitation Benefits (Statutory Limits)Rehabilitation Benefits (Statutory Limits)

• Benefit AdministrationBenefit Administration

• Legal Costs (Coverage “B”)Legal Costs (Coverage “B”)• Defense CostsDefense Costs

Tri-State Risk ManagementTri-State Risk Management Indirect lossesIndirect losses

• Down time – other employees assisting injured employee, time Down time – other employees assisting injured employee, time and expense to investigate accident, and potentially lower and expense to investigate accident, and potentially lower employee production performanceemployee production performance

• Replacement and training of injured employee(s) – additional Replacement and training of injured employee(s) – additional overtime expense and or learning curve for new employeesovertime expense and or learning curve for new employees

• Damaged material and equipmentDamaged material and equipment• Decreased production goalsDecreased production goals• Delayed deliveryDelayed delivery• Potential loss of customersPotential loss of customers• Loss of profit/salesLoss of profit/sales• Increased expensesIncreased expenses• OSHA finesOSHA fines


Indirect losses Indirect losses (Continued…)(Continued…)

• There are as many as 100 ways indirect loss is There are as many as 100 ways indirect loss is incurred with each accident.incurred with each accident.

• Total Indirect Loss = 4 to 10 x Total Direct LossTotal Indirect Loss = 4 to 10 x Total Direct Loss

The proof is too costly and time The proof is too costly and time consuming to learn from experienceconsuming to learn from experience


Human behavior controlHuman behavior control

• Stress importance of safety as a way of doing the job – Stress importance of safety as a way of doing the job – Management Management MUSTMUST lead by example. lead by example.

• Establish and enforce safety rules and regulationsEstablish and enforce safety rules and regulations

• Provide awareness and trainingProvide awareness and training

• Diligent managerial supervisionDiligent managerial supervision

• Unsafe act inspections (Job Safety Analysis)Unsafe act inspections (Job Safety Analysis)

• Consider incentive, award / rewardConsider incentive, award / reward


Loss Control ServicesLoss Control Services Include: Include:

• Developing or increasing the effectiveness of safety Developing or increasing the effectiveness of safety program elementsprogram elements

– e.g., Company Policies and Procedures, Accidente.g., Company Policies and Procedures, Accident

• Investigations and self inspectionsInvestigations and self inspections

• Safety committee roles and activitiesSafety committee roles and activities

• Early Return to Work Program or Modified / Early Return to Work Program or Modified / Transitional Duty Positions Transitional Duty Positions


Loss Control Services:Loss Control Services: (Continued)(Continued)

• Accident InvestigationAccident Investigation – Accident TrendingAccident Trending– Unsafe Acts/ConditionsUnsafe Acts/Conditions– Accident Loss LeadersAccident Loss Leaders

NOTE: Too many accident investigation reports NOTE: Too many accident investigation reports falselyfalsely show the main cause to be “show the main cause to be “employee carelessnessemployee carelessness.”.”

Tri-State Risk ManagementTri-State Risk Management Loss Control Services:Loss Control Services: (Continued)(Continued)

• Regulatory ComplianceRegulatory Compliance

– Occupational Safety & Health Administration (OSHA) Occupational Safety & Health Administration (OSHA) www.osha.govwww.osha.gov (home page) (home page)

– Department Of Transportation (DOT)Department Of Transportation (DOT)www.dot.www.dot.govgov (home page) (home page)

– California Division of Occupational Safety and Health(DOSH)California Division of Occupational Safety and Health(DOSH)or Cal/OSHA or Cal/OSHA http://www.dir.ca.gov/dosh/EnforcementPage.htm

– Environmental Protection Agency (EPA)Environmental Protection Agency (EPA)www.epa.www.epa.govgov (home page) (home page)

– And more…And more…

the law!

it's


Hazard Assessment: Inspection Hazard Assessment: Inspection and Evaluation Proceduresand Evaluation Procedures

• On-site facility surveysOn-site facility surveys• Life Safety (NFPA 101)Life Safety (NFPA 101)• Machine Guarding (OSHA 1910.212)Machine Guarding (OSHA 1910.212)

Point of Operation Guards (OSHA 1910.217)Point of Operation Guards (OSHA 1910.217)• Personal Protective Equipment (OSHA Personal Protective Equipment (OSHA

1910.132)1910.132)• And more…And more…


Specialized SurveysSpecialized Surveys

• ErgonomicsErgonomics

• Industrial Hygiene, Indoor Air QualityIndustrial Hygiene, Indoor Air Quality

• Occupational HealthOccupational Health

• OSHA-Type surveysOSHA-Type surveys

• And more…And more…

Tri-State Risk ManagementTri-State Risk Management Assist in developing effective safety Assist in developing effective safety

program elements:program elements:

• Emergency Action Plan (OSHA 1910.38)Emergency Action Plan (OSHA 1910.38)• Disaster RecoveryDisaster Recovery• Bloodborne Pathogens (OSHA 1910.1030)Bloodborne Pathogens (OSHA 1910.1030)• Violence in the Workplace (OSHA 5(a)(1))Violence in the Workplace (OSHA 5(a)(1))• Hazardous Waste Operations and EmergencyHazardous Waste Operations and Emergency

Response Standard (OSHA 1910.120)Response Standard (OSHA 1910.120)• Hazard Communication (OSHA 1910.1200)Hazard Communication (OSHA 1910.1200)• Confined Spaces Policy (OSHA 1910.146)Confined Spaces Policy (OSHA 1910.146)• Respiratory Protection PolicyRespiratory Protection Policy

(OSHA 1910.134)(OSHA 1910.134)

Tri-State Risk ManagementTri-State Risk Management Assist in developing effective safety Assist in developing effective safety

program elementsprogram elements (Continued…)(Continued…)

• Hearing Conservation Program Hearing Conservation Program (OSHA 1910.95)(OSHA 1910.95)

• Stairway and Ladder Safety Fall ProtectionStairway and Ladder Safety Fall Protection• Forklift OperationForklift Operation• Scaffolding/Aerial Lift SafetyScaffolding/Aerial Lift Safety• Excavation SafetyExcavation Safety• Hot Work Safety PolicyHot Work Safety Policy• Electrical SafetyElectrical Safety• CPR & First AidCPR & First Aid• Driver Safety PolicyDriver Safety Policy• And more…And more…


Emergency Action PlanEmergency Action PlanOSHA Subpart E: 29CFR1910.38(a)

Authority and responsibility Early warning (alarms) and

communications Emergency response plan / evacuation Designated evacuation team – trained Rescue; medical duties - designated

employees


Training MethodologyTraining Methodology• Classroom LectureClassroom Lecture

• VideotapeVideotape

• Computer, CDComputer, CD

• WebinarsWebinars

• News LettersNews Letters

• Professional PublicationsProfessional Publications

Tri-State Risk ManagementTri-State Risk ManagementLet’s do it !Let’s do it !

Let’s contact Tri-State now!Let’s contact Tri-State now!

Loss Control Loss Control isis Cost Cost Control!Control!


Contact UsContact Us– Phone:Phone: 212-619-0160212-619-0160– Fax:Fax: 212-619-1611212-619-1611

• Phillip Bok, Phillip Bok, CPCU, CWCP, CFSA, CIPA, APA, ARMCPCU, CWCP, CFSA, CIPA, APA, ARM Vice President of Risk Management & Insurance Vice President of Risk Management & Insurance

OperationsOperations– pbokpbok@@tristatepeotristatepeo.com.com

• Marvin Tricanowicz, Loss Control ManagerMarvin Tricanowicz, Loss Control Manager– mtricanowiczmtricanowicz@@tristatepeotristatepeo.com.com

““Your Complete Outsourcing Employers Solution”Your Complete Outsourcing Employers Solution”

Documents

“Your Complete Outsourcing Employers Solution” Loss Control is Cost Control A Safety Management Presentation By Tri-State’s Risk Management Department