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How To Avoid Automotive and Equipment Electrical Fires

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How To Avoid Automotive and Equipment Electrical Fires

Posted on: April 18th, 2016

How to avoid large losses caused by automotive electrical fires. This video provides insurance risk management techniques for routing, guarding, and isolating electrical wiring powered by automotive batteries. Electrical hazards are not only confined to under the hood, they are also present in wires running throughout a vehicle. Implement these techniques to prevent common automotive fires that have proven to be costly to business owners.

Understanding Acronyms 101

Posted on: March 27th, 2014

Have you recently been asked by a general contractor for your RIR, your DART, your LTIR or your EMR? Have you noticed an assessment on your workers’ compensation policy for OHSF? Do the requests seem a little bit jumbled and jived? Here is a brief explanation and referenced resources to assist you.

Your RIR is the Recordable Injury/Incident Rate. (Also referred to as TRIR for total). The RIR is formulated from the entries that are made on your OSHA Form 300 log (Appendix A). Recordable(R) work-related injury and illnesses are those that result is (1) death, (2) loss of consciousness, (3) days away form work, (4) restricted work activity or job transfer or, (5) medical treatment beyond first aid. Cumulatively, these five items are referred to as “Number of Cases” on the OSHA Form 300A (Appendix B).

R * 200,000 / number of hours worked by all of your employees ( F )= RIR

Your DART is the Days of Work Activity Restricted or Job Transfer cases. Cumulatively, these two items are referred to as “Number of Days” on the OSHA Form 300A (Appendix B). You take that sum value (A) multiply it by 200,000* divided by number of hours worked (F) by all of your employees equals your DART.

A * 200,000 / F   = DART

(*200,000 figure in the formula represents the number of hours 100 employees working 40 hours per week for 50 weeks per year would work, and provides the standard base for calculating incident rates.)

You may be asked for your LTIR which is Lost Time Injury/Incident Rate. This is total from column (K). For a 3 year total you have to refer to 3 year’s of logs.

Additional details can be located on under Knowledge Center, Resource Links: CAL/OSHA Publications /Recordkeeping: Once you are on the CAL/OSHA site, look for Recordkeeping and the  Form 300A which is calculated from your Cal/OSHA Form 300

Experience Modification is a very familiar workers’ compensation term.  This is most often referred to as your “ex-mod” or “x-mod”.  Some contracts may ask you for your EMR. Don’t fear; it is only your Experience Modification Rate.

Effective 2014 the dreaded TICF: Cal/OSHA’s “Targeted Inspection and Consultation Fund” has been replaced by the OHSF – Occupational Health Safety Fund.  This fund is the Cal/OSHA legal mandate for an assessment that is part of Workers’ Compensation reform. Previously, the TICF was assessed on insured’s individual policy when their experience mods were over 124%. Beginning in 2014, there is an assessment to ALL policyholders that contribute into the fund. The OHSF assessment is calculated based on payroll.

The fund monies that are assessed support the Cal/OSHA ‘High Hazard Employer Program –HHEP-another acronym-yikes! The HHEP provided consultative assistance, “free” of charge, (your “free” assessment!) to employers with high ex-mods to help them decrease their preventable work-related injuries and illnesses and their workers’ compensation losses.

There you have it Acronyms 101!

Premises Liability

Posted on: January 3rd, 2014

Premises Liability can simply be defined as the legal responsibility of the property/building owner/tenant to exercise ordinary care to protect a “reasonable” party from bodily injury and/or property damage while on premises.

Premises Liability is inclusive of inside/outside building areas such as common areas, sidewalks, parking lots, grounds, stairs, ramps, etc.

Based on potential financial loss and to provide a successful risk control program, a client needs to perform a risk assessment for all applicable Premises Liability exposures and hazards.

Exposures to the public can include:

Hazards to the public can include:

Pollution Liability

Posted on: January 3rd, 2014

Pollution Insurance is intended to fill the gap in your Commercial General Liability policy that results from the Absolute Pollution Exclusion. Contractor’s Pollution Liability covers third party bodily injury, property damage, clean-up costs and defense costs from pollution exposures for the insured’s operations at sites where the insured, or the insured’s subcontractors, are working or have worked.

Examples of Common Pollution Exposures Faced by Contractors

Benefits of Having Pollution Insurance

Take a proactive, not a reactive approach to environmental issues.
Incorporate controls into your overall risk management. Ask owners if environmental studies were completed on project sites, demand clear and concise contracts, and educate your field personnel to identify potential environmental hazards.

Contact Greg Scoville and he will help you assess your exposures and offer effective solutions to protect you from devastating financial loss.

The application for this coverage can be found on the Risk Management Platform under Browse Resources for ASDAWEST Categories.

Disaster Recovery

Posted on: January 3rd, 2014

To assist businesses in preparation and recovery for natural catastrophes and disasters, typical exposures and hazards need to be evaluated so an appropriate Disaster Preparedness and Recovery Program can be formalized and implemented.

Typical exposures can include the following:

Typical hazards can include the following:

Once your business exposures and hazards have been evaluated, your Disaster Preparedness and Recovery Program needs to be developed and implemented and include at least the following key elements:

By evaluating your company’s exposures and hazards and implementing a formalized Disaster Preparedness and Recovery Program BEFORE an unplanned natural catastrophe or disaster should occur, significantly increases your business’s probability of continued operations and survival.