TRANSFERRING RISK – WHAT INSURERS LIKE TO SEE ANDWHAT WE DON’T LIKE TO SEE
Ian Dandy
Risk Consultant – UK Casualty Practice Leader
October 20171
Initial considerations
What should we be looking for?
Initial considerations
If we do accept/retain this business...
Will we have to pay out in the future?
Potential for loss (the risks)
Quality of control measures
So, what do we look for?
Let’s carry out a typical site visit!!!
On arrival to site
What are our initial impressions?
What are the first things we look for?
Types of evidence
OBSERVATIONS
• Workplace conditions
• Activities/behaviour
• First impressions count!
• What should we look for on arrival?
INTERVIEWS/DISCUSSIONS
• Attitudes/culture
• Knowledge/competencies
• Commitment
• How can we initially assess these?
DOCUMENTATION
• Look at in more detail…..
The documentation review
What should be in place?
Safety management system‘Successful Health and Safety Management’ (HS(G) 65)
Health and safety policy
It should contain:
•Health and safety policy statement.
•Management organisation/responsibilities.
•Arrangements for implementing health and safety.
Is statement signed and dated by Senior person?
Is document relevant to company?
Does it set realistic goals and targets?
Are they achievable/measurable?
Are roles and responsibilities defined?
Are suitable and sufficient adequate arrangements in place?
Is document readily available and communicated to all?
Organisation and responsibilities
Is there a clear management structure?
Are responsibilities defined, issued and acknowledged?
Have key staff been made aware/trained to effectively discharge them?
Communication/consultation arrangements?
Is there an effective meetings structure?
Are minutes documented and actions generated/ completed?
Planning and implementing
Have significant risks been identified and quantified?
Have effective control measures been implemented?
Are control measures maintained?
Have relevant personnel (staff, visitors, contractors etc.) been made
aware/trained?
Specific competency requirements identified/met?
Monitoring systems
PRO-ACTIVE
Inspections, surveys, sampling etc.?
Regular health checks and surveillance?
Employee health/welfare checks?
Environmental monitoring (noise, vibration, dust etc.)?
Monitoring systems
REACTIVE:
Are accidents reported?
Are incidents/near misses reported?
Ill health recorded/monitored?
Investigation procedures/training?
Investigation reports/follow up procedures?
Claims defence procedure?
Review/audit procedures
Is documentation up to date?
Are review procedures in place?
System for keeping up to date?
External audits and follow up actions?
Enforcement and claims history
Accreditations and awards
Benchmarking with similar organisations
The site inspection –What do we see?
“The Good the Bad and the Ugly!”
What do we like to see?
“The Good!”
Good level of information available to all
Good housekeeping and walking routes
Good external traffic routes and one- way system
We like clever ideas!
Another good idea!…can you spot it?!!!
What we don’t like to see
“The Bad!”
Trailing Cables
Poor Housekeeping
We definitely don’t like to see ‘dodgy’ contractors on site!
Heat, Heights, Holes!
“The Ugly!”
Heat
Heights
Heights – how do they clean those windows?!!
Heights - Amazing what you see from a hotel window!!!
Holes
Unguarded vehicle pit
Occupational Hygiene
Long term health risks
Dust
Respiratory protective equipment – effective or not?Pssst … take a close look at the ear plugs!!!
Workplace noise and hand/arm vibration
Possible skin exposure or allergy?
Possible results…Dermatitis
Machinery Guarding...
(...or the lack of it!!)
Bench Grinder
Pillar drill
Circular saw – small one
Circular saw – big one!
Access to moving parts......not always obvious!
Unexpected movements – trapping points
“Well, we’ve done our best!...”
What do you think?…what would you do?
Good, Bad or Ugly ?
47
48
50
Access to enclosure......Good or bad?
PE ‘Light Guard’ on hydraulic punching machine
In summary
EL - Top 5 by number of claims
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
Slips, trips or falls onsame level - 23.2%
Struck by moving,including flying/falling
object - 17.5%
Injured while handling,lifting or carrying -
14.4%
Unknown causes (cuts,sprains, etc) - 11.5%
Contact with movingmachinery - 8%
PL - Top 5 by number of claims
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
Slips, trips or falls onsame level - 50.9%
Struck by moving,including flying/falling
object - 10.8%
Unclassifiable - 8% Unknown causes (cuts,sprains, etc) - 3.6%
Falls from a height -3.5%
Thank you
Any Questions?