risk management manual -...

Copyr ight ©2016 Aborig ina l Insurance Services. Al l Rights Reserved. AIS Risk Management Manual - Section 1 – T raining – CRSA Survey – January 26 2016 of 60

Risk Management Manual Section 1 – Training – The CRSA Survey

Introduction ............................................................................................................................................................... 2

Completing the Report ............................................................................................................................................... 3

CRSA Survey

Section 1: General Information ............................................................................................................................. 9

Section 2: Human Element and Management Attitude ....................................................................................... 11

Section 3: Crime .................................................................................................................................................. 21

Section 4: Property Exposure .............................................................................................................................. 28

Section 5: Catastrophic Perils .............................................................................................................................. 31

Section 6: Fire Department Rating ...................................................................................................................... 34

Section 7: Municipal Liability ............................................................................................................................... 41

Section 8: Automobile ......................................................................................................................................... 48

Section 9: Water, Wastewater, Landfill, Environmental ..................................................................................... 52

CRSA Rating Summary and Recommendations .................................................................................................... 56


Introduction Uncertainty is at the heart of risk. You may be unsure if an event is likely to occur or not, or what its

consequences would be if it did. Insurance is based on risk. When you get an insurance policy, the insurance

company is taking on some of your risk.

For example, if you drive a car, you have a risk that your car will be damaged in an accident. Having auto

insurance means that if the car does get damaged, the insurance company will pay you for the repairs. By having

a policy, your risk is lower. However simply having insurance does not mean everything is taken care of. Failure to

recover data from damaged computers, loss of stored materials, losing the irreplaceable – these risks require

management.

There are as many different types of strategies for managing risk as there are types of risks. These include

accepting the consequences of the risk and budgeting for it, transferring the risk to another party by insuring

against it, fixing the risk, or reducing the negative effect of the risk with preventative measures. Different types of

risk management plans can deal with calculating the possibility of an event, how that event might impact you or

your business, what the risks are with certain ventures, and how to mitigate the problems associated with those

risks.

Identifying and managing risk is critical to all Aboriginal communities and businesses. Our task is to help discover,

assess, and manage all types of risk in all parts of the community and their organizations using a comprehensive

Community Risk Assessment Survey (CRSA).

The CRSA will assist Aboriginal communities in identifying potential issues that could result in injury and/or

property loss, and help develop programs and services that will lessen or prevent issues from happening all

together. The CRSA includes a basic, on-site inspection of all community assets, and a selected overview of any

Economic Development. The Community Risk Assessment Survey (CRSA) provides insurance companies with an

industry accepted rating grade for First Nations communities to use in determining property insurance rates for

on-reserve dwellings.

Through physical, on-site field surveys, the CRSA will supply insurers a thorough listing of required data, including

information on public fire protection by establishing a Fire Protection Classification for each community. Where

the Fire Underwriter’s Survey approach analyses only hard facts to determine the facilities available to mitigate a

loss should an avoidable incident occur, the CRSA’s approach is centered on analyzing not just the facts, but also

the risk.

The CRSA program has over one-hundred specific questions covering 10 categories. It requires a minimum score

of 50% in each category. Unsatisfactory scores in any of the categories will require a “category analysis” which

can assist the client in identifying areas that will improve their score. Similar to a loss prevention survey

conducted by loss control and certified engineers, the CRSA is supplemented by a risk management component

that includes risk maps and risk plans specific to each individual community. The survey also includes a catalogue

of all assets within the community using photographs, cope details, measurements, and valuation.

The end result is to provide the community with one of three possible overall risk management ranks.


COMPLETING THE REPORT The Community Risk Survey Assessment (CRSA) which surveys insurable assets and threats within each

community. The survey results include an inventory of assets, local liability and crime threats, and a comparison

against the results of other communities surveyed. An analysis of each community is bench marked against threat

identification, validation, quantification, mitigation of risk, and impact exposure to the community.

Aboriginal communities should be considered in three very general categories; communities where there is a high

level of sophistication in respect of risk management, communities where there is will to change and opportunity

to improve, and communities that are currently not considered qualified for competitive insurance due to high

claims or circumstance.

In partnership with our clients, we can achieve improvements in safety and security in Aboriginal communities

with the intention of insuring the previously uninsurable. Through community participation in the survey, our

task is to reduce risk and thereby reduce insurance premiums. This will be achieved by recruiting and engaging

communities in the process of risk management through by a support system of coordinators, mentors, and a

highly trained and skilled resource partners who can provide easy to use tools, personalized guidance, assistance,

and local training.

The impact of reducing risk and vulnerability improves claims history, potentially reduces premiums, and makes

communities safer places to live and work.

To this end, it is important to establish a standard underwriting procedure to ensure an efficient overall process –

from collection to database development to reporting, etc.

The report to be consistent for all communities surveyed as follows:

Inspection Checklist

Inspection Template

Most Current Loss Run

Most Current SOV

Application for Insurance from Community

To be completed

Telephone Survey

Each commercial building visited, photographed, and recommendations made

SOV has been referenced and there are photographs of residential and commercial buildings as well as

COPE details for each building, and a valuation

Any building with an oil tank must have photographs that include the tank and details secured on the tank

All contractor’s equipment including unlicensed vehicles must be photographed. Also obtain serial

numbers and ACV if client can provide.

Entire community has been seen

Any buildings (commercial or residential) that are in poor condition have to be photographed, the

location noted, and details of poor condition noted

Fully completed survey prepared for submission


A Standard format will be completed with the following information provided in 14 sections:

CRSA Part 1 – General Information

CRSA Part 2 – Human Element and Management Attitude

CRSA Part 3 – Crime

CRSA Part 4 – Property Exposure

CRSA Part 5 – Catastrophic Perils

CRSA Part 6 – Fire Department Rating

CRSA Part 7 – Municipal Liability

CRSA Part 8 – Automobile

CRSA Part 9 – Water, Wastewater, Landfill, Environmental

CRSA Part 10 – Recommendations

CRSA Part 1 – General Information This section is where the information on the community is located. Address, contact names will be located here.

CRSA Part 2 – Human Element and Management Attitude This section ranks leadership attitude toward employee, volunteer, client and other employer/employee

relationships, life safety, emergency response, risk management, and pro-active loss control measures. This

section will contain information on Employment Practices.

CRSA Part 3 – Crime This section is the primary tool used in crime prevention to recognize, appraise and anticipate loss potential. It is

an in-depth on-site examination of a physical facility and its surrounding property (industrial plant, business,

hospital, other public building, or a residence). The survey is conducted to determine a facility's security status, to

identify deficiencies or security risks, to define the protection needed, and to make recommendations to

minimize criminal opportunity.

CRSA Part 4 – Property Exposure This section will include a description of the number and types of residential buildings as well as the main

commercial, industrial and community owned structures:

Provide either the known or estimated year of building construction

Dates of any significant building additions and upgrades

Indicate the number of storeys or floor levels above grade including any basements along with the

estimated building's height

Include the estimated ground floor area and the building's total floor area of all levels combined

Confirm the building's overall physical condition and indicate as being "excellent", "good" or "poor". A

poor building condition must result in greater detail and emphasis given in the summary section at the

end of the report along with making suitable recommendations.

Replacement valuations

Provide details on:

˗ Composition of exterior wall construction


˗ Building's roof and floor construction

˗ Fire and crime protection

˗ Types and condition of plumbing, wiring

˗ Heating methods for commercial, industrial and other community owned structures

˗ Sprinklers and alarms

CRSA Part 5 – Catastrophic Perils This section will provide commentary on exposures and past history in regards to flood, surface water/drainage

concerns and sewer back up. Collapse and landslide exposures should be reviewed along with wind and snow

loading requirements. Exposures to forest fire, avalanche and earthquake will be explained.

CRSA Part 6 – Fire Department Rating This section will outline fire protection capabilities throughout the community, giving an overall assessment of the

fire protection for the whole community on the site identified. Consideration must be given to the overall

protection of the whole community or the whole site.

This section will outline the capabilities throughout the community in regards to fire protection. It is important to

understand that one form is to be completed per site, giving an overall assessment of the fire protection for the

whole community on the site identified. In assessing the community fire protection consideration must be given

to the overall protection on the whole community or the whole site. Items attributable to Health and Safety,

impact to the community (e.g. magnitude of service interruption or deficiencies), readiness and efficiency, and

potential replacement cost should be weighted with higher significance than minor items such as minor lack of

maintenance.

1. A description of the fire department (vehicles and staff).

2. A copy of any written agreement with any neighbouring fire department and a brief description of their

capabilities as well as response times should be provided.

3. A description of any band fire protection and prevention programs including residential and commercial

building inspection programs.

4. Describe water supplies, pumping and distribution systems as well as hydrant protected areas.

5. In commercial/industrial buildings describe any special extinguishing systems as well as adequacy and

maintenance of sprinklers, fire extinguishers and hose stations and review of tags for inspection dates.

6. Type of fire alarm systems as well as monitoring capabilities should be indicated and certificates reviewed

for compliance on certification dates.

7. If volunteer force is used the following sections should be commented on:

Training - The objective here is to indicate if the people active in the fire suppression activities, Fire Chief

and/or Fire Fighters, have been participating in training program equivalent to the National Fire

Protection Association programs or other nationally recognized standards.

Water Supply - Indicate if the community is serviced with fire hydrants, if the fire flow is verified and

tested by a fire suppression expert to ensure it meet design flows.

Evaluation of the Operational Condition of Critical Fire Suppression Element - The objective is to assess the


operational condition of the following 4 fire suppression elements: Fire Hall and/or garage, Fire Vehicles,

Tools and equipment, and Protective clothing.

CRSA Part 7 – Municipal Liability This section will describe municipal risks.

CRSA Part 8 – Automobile This section will describe all means of transportation via air, land, and water. Describe wharf or waterfront

operations including use of boats, tugs, ferries, barges or other vessels.

CRSA Part 9 – Water, Wastewater, Landfill, Environmental This section will provide commentary on decommissioned and operating waste disposal sites and water works.

Years of use

Any approvals or inspections by MOE etc. (if yes review last report)

Identify any soil or ground water testing programs

Types of waste accepted at site(s), monitoring capabilities, overburden applied

Recycling programs and capabilities will be described

Hazardous waste handling and disposal programs

List all storage tanks and indicate above or below ground, age, size, construction and commodity stored.

Testing/inspection frequency and protection

Waste treatment facilities description, holding ponds, lagoons etc.

Golf course or Works Department use of herbicides and pesticides and highlight amounts, how stored

and credentials of applicators

Road spraying for dust, type of materials used

List any exposures resulting from the operations of an Airport, Bus Depot or Medical facility

Describe exposures and handling of used oils, fuels etc. at Works garages

Describe use of waste oil heating systems

Describe any Land Use Agreements and the potential exposures from lumbering, mining or power

generation

Confirm if there are there Hold Harmless agreements in place with all operators

Water treatment capabilities, inspection and testing responsibilities

All surveys will include a summary of the unlicensed equipment operations including but not limited to:

Operator Selection

Safety Rules

Employee Orientation and Training

Equipment Classification

Safety Training Programs

Equipment Inspection & Maintenance

CRSA Part 10 – Recommendations Briefly note the clients’ loss record and changes that have been made to improve the situation.


UA emails broker Approved Dec Pages and Invoices.

Admin staff to invoice all bound lines of coverage and emails the invoices to the UA

UA sends Admin a copy of the coverages bound (via policy works pages)

UA sends Dec pages to Markets for approval and sets an abeyance of 48 hours for follow up.

Once Binding instructions are received, the UA or UW will advise the markets on the coverages bound and rate charged (maximum 25%). This email will be logged into Power Broker and abeyance set for 24 hours to send Policy Decs to Markets

The UA will attach the quote email to Power Broker and abeyance a follow with the broker of 48 hours unless the broker has a predetermined meeting date). If the broker has a predetermined meeting date, the UA will abeyance the follow up for 24 hours after this day.

Once final quote terms are received, the UA will update Policy Works and send the submission to the broker.

UA will put the underwriting submission into power broker and abeyance a follow up of 48 hours.

Once the UW has all of the completed data and rated sheets, the UW will email Ace/Arch the submission and cc the UA.

UW will complete the UW Process. If the UW determines there is any missing information or data, the Underwriter will email the broker for the needed information and set an abeyance of 48 hours to follow up with broker.

If the UW determines that any information is incorrect or missing data , the Under writer will email the broker

AIS Life Saftey complete s check list

AIS Life Safety organizes for a Pahse 1 survey to be conducted

AIS Life Safety will be advised by AIS underwriting of all new business bound


Site Inspection Some considerations to note while doing a walk through site evaluation include:

Install adequate security equipment - ensure locks, lights, alarms, etc. are maintained in proper working

order and are sufficient for the job.

Control building access and keys - policies for storing, signing out, and returning keys should be

developed and followed rigorously. Keys hanging on the wall in plain view are an open invitation to

trouble. Be aware of threats from within - Staff, visitors and others who legitimately visit your premises

may be a source of risk that can be addressed before a problem arises.

Check the lighting in all community structures. Light fixtures should provide adequate light levels for the

work being performed. Well-lit hallways, doorways, stairways, and exits provide for a comfortable work

environment and help to prevent accidents. Shadow areas must be kept to a minimum especially in areas

that are accessible to the general public.

Emergency lighting should be installed and in proper working order. Adequate exterior lighting will help

to reduce the possibility of accident or injury in public areas including parking lots, and walkways.

Outside walkways and parking lots should be well maintained and kept free of obstacles or debris in all

seasons. Loose pavers or damaged pavement should be repaired immediately. Snow and ice should be

cleared as soon as possible.

The flooring in buildings should be in good repair. Part of the regular building maintenance routine

involves identifying and repairing any damaged areas of flooring such as bunched or loose carpet, lose or

missing tiles. If tread mats are used at entrances, they should lie flat without sliding. Stair treads must be

in good condition and hand rails must be in place where necessary and firmly secure.

Emergency exits ought to be clearly marked and accessible, and should be clear of debris both inside and

out. Exits should never be chained or bolted and must open easily from the inside even when locked.

Hallways and doorways should be clear of any obstacles. Any overflow storage should be removed to an

off-site location.

Fire extinguishers should be available and appropriate for the site and the type of fire which could occur.

With the proliferation of computers and electronic equipment, the extinguishing agent should be

appropriate for electrical fires, paper, wood, and so on.

Employee lounge areas ought to be kept free of combustibles. If microwave ovens, toasters, coffee pots

etc. are available, someone should be responsible for checking that all appliances are left unplugged

unless someone is in the room. Any electrical cord that is frayed, lose or in any kind of disrepair can

present a fire hazard and should be discarded. Overloading a circuit can lead to a fire and it may be

advisable to consult a professional electrician to ensure that the wiring in an employee lounge area is

sufficient to the task.

This is not by any means an exhaustive list of the possible sources of risk on community property, however it is a

place to begin to assess your own location.

Walk through inspections will not eliminate the possibility of accident or liability, but can be a simple and cost-

effective way for community administrators to address this aspect of risk management.


CRSA Part 1 – General Information This section is where the information on the community is located. Address, contact names will be located here.


CRSA Part 1 – General Information

Community Details

P R E P A R E D F O R : C O M M U N I T Y :

F U L L A D D R E S S :

P R E P A R E D B Y : T I T L E :

D A T E V I S I T E D : C R SA S C O R E C A T E G O R Y A IS 1 A I S2 A I S3

Community Contacts

C O N T A C T N A M E T I T L E / P O S I T I O N



Community Risk Management Background

R I S K M A N A G E M E N T Y E S N O N / A

I S T H E R E A F U L L T I M E R I S K M A N A G E R ?

I S T H E R E A D I S A S T E R R E C O V E R Y / E M E R G E N C Y P L A N ?

A R E P O L I C Y D E C I S I O N S D O C U M E N T E D T H R O U G H R E C O R D S O F R E P O R T S A N D D E C I S I O N S M A D E ?

I S T H E R E F O L L O W U P T O E N S U R E R E S O U R C E S A R E I N P L A C E T O I M P L E M E N T D E C I S I O N S ?

A R E R E G U L A R S A F E T Y O R L O S S C O N T R O L M E E T I N G S C O N D U C T E D ?

A R E A L L P R E M I S E S P E R I O D I C A L L Y I N S P E C T E D F O R S A F E T Y ?

C O M M U N I T Y E L E M E N T B A C K G R O U N D A N D / O R S U M M A R Y D E S C R I P T I O N

H I S T O R Y

L A N G U A G E S

P O P U L A T I O N B A S E

G O V E R N I N G S T R U C T U R E

C O M M U N I T Y S E R V I C E S

F U T U R E P L A N S


CRSA Part 2 – Human Element and Management Attitude This section ranks leadership attitude toward employee, volunteer, client and other employer/employee

relationships, life safety, emergency response, risk management, and pro-active loss control measures. This

section will contain information on Employment Practices.

In addition to the human resource risks that immediately jump to mind such as discrimination, violence in the

workplace, sexual harassment and wrongful termination there are also potential losses due to losing the

employees themselves. It is estimated by some experts that the cost of replacing any employee in today’s market

is roughly half of that person’s annual salary.

When new employees are introduced around the office conduct a safety orientation, showing where fire

extinguishers are located, how they operate, where exits and fire doors are located and which employees

are trained in CPR or first aid.

If you haven’t yet conducted safety orientations for existing staff, schedule a brief tour and make sure

everyone is aware of safety procedures.

Safety exercises enable employees to be prepared for emergency situations. Ask the local fire marshal to

attend a fire drill and offer suggestions for improvement.

Employees need and want a sense of accomplishment, as well as the opportunity to learn and gain new

experiences on the job.

Establishing open two way lines of communication between management and employees improves staff

morale, promotes a sense of teamwork, and is essential to reducing loses due to employees leaving their

jobs.

Instituting effective mechanisms to investigate and address employee concerns and complaints in a

timely manner may limit liability in the event of subsequent legal action.

Conflict intervention training is an effective way to enable your employees to deal with threatening

situations and can help to keep people calm and save during a crisis.

Establish written policies and procedures that document how transactions are to be carried out. It is

essential that policies and written procedures are clearly communicated to staff. Employees that know

what is expected are better equipped to provide what is required of them.

While in fact, the majority of employees are excellent workers and entirely trustworthy, there is another category

of risk involving loss due to employee misconduct or dishonesty, and liability resulting from the actions of an

employee in the performance of their job.

Adoption of an ethics statement by Council lets your employees and your community know up front that

misconduct will not be tolerated in your community.

A number of measures may be taken to reduce the financial risks resulting from employee misconduct.

Prevention begins with the hiring process.

When a new employee is being considered, it is advisable to prepare in advance a list of questions to ask

an applicant’s references. Prior consultation with the community solicitor will ensure that employment


and privacy laws are not compromised.

Most frauds require daily attention in order to avoid detection. The same employee should not be

responsible for authorizing transactions, collecting or paying bills and maintaining financial records. While

this may prove difficult in a small community, your community auditor may advise on adequate internal

controls.

In the same vein, it may also be advisable to have alternate employees assume the duties of individuals

dealing with financial functions periodically during the year. This could be arranged during scheduled

vacations or other leave, or could be a part of a cross training arrangement.

Exposure to employee theft can be prevented to a certain extent but not eliminated completely.

Insurance coverage and limits should be reviewed on a regular basis to confirm that coverage is adequate

for the needs of the community.

Safe Communities A number of initiatives have been undertaken in communities all over North America designed to enhance the

safety of residents and visitors to the area. The following section outlines briefly the recommendations of the

guide, however, anyone interested in carrying out this program would be advised to read the guide and contact

the authors for further details.

Proactive Safety Program Nova Scotia’s Occupational Health and Safety Act states:

“The foundation of this Act is the Internal Responsibility System which

(a) is based on the principle that

(i) employers, contractors, constructors, employees and self-employed persons at a workplace, and

(ii) the owner of a workplace, a supplier of goods or provider of an occupational health or safety

service to a workplace or an architect or professional engineer, all of whom can affect the health and

safety of persons at the workplace, share the responsibility for the health and safety of persons at the

workplace;”

In light of this legislation, and in the interest of both the employer and the employee, establishing and carrying

through a proactive safety program to identify possible risk factors and eliminate or reduce the opportunity for

accidents or mishaps to occur is a vital part of any successful risk management program. There are a number of

risk management areas that can be addressed by a comprehensive safety program including:

Site safety

Vehicle safety

Driver safety

Emergency situations

Human resources

A proactive safety program begins with a study of the physical surroundings. A walk through survey of the physical

environment is a good beginning in identifying possible exposure to risk. On-site inspections held at regular

intervals can reveal where conditions can be improved, or risks eliminated.


Safety Audit Program A “Safety Audit Program” is an important tool used in crime prevention to recognize, appraise and anticipate

personal safety and loss potential concerns. A safety audit is an in-depth on-site examination of a physical facility

and its surrounding property (other buildings, etc). The audit is conducted to identify deficiencies or security risks,

and to outline and define the protection needed. Finally, a safety audit can make recommendations to eliminate

the opportunity for crime to occur.

Audits don’t have to involve a lot of people or cost a lot of money to carry out. Students employed in the

community for the summer doing recreational programs, or neighborhood volunteers could be called upon to

carry out the audit with a little direction and assistance from the local police force. The best size for an audit team

is 3 to 7 people.

This allows for differing points of view but is still small enough for lots of discussion. The team should reflect the

needs of the community at large. While carrying out the safety audit, your audit team should consider the special

needs of people who are using a wheel chair, hard of hearing, blind, mentally challenged, very young, elderly, or

persons unable to read.

How to prepare for a safety audit The first step is to define how big an area you want to cover in your safety audit. You may want to concentrate on

just the downtown area or even one or two neighborhoods where you may feel a safety audit would be most

beneficial. This is a program that can be carried out over time and eventually cover all areas of the community

that may benefit from this kind of program. If you want to cover a large space, you may need several teams.

The time required to carry out a “first audit” depending upon the size of the area selected for study would be

approximately 2 to 3 hours. You will need about ½ to 1 hour to discuss the audit and brief the team on the

location and the size of the area they are to cover. At the end of the audit, you may want to take ½ hour to 1 hour

to discuss the findings and finish taking notes.

Carrying out the actual audit requires a minimum amount of equipment including:

Flashlights

Notepad and clipboard

Black marker or pen

Camera with a high speed film (400 or 800 ASA) to document problem areas or to document positive

features

Reflective vests or clothing so that team members can be visible at night

The time of day the audit is carried out is most important. The only way to know if an area has adequate lighting is

to be there at night. Night time is also when people are most isolated and feel least safe in their communities.

The audit team is trying to find out how people feel in the community at night, where and when and why they

feel uncomfortable. To learn these things it is most helpful to talk to the people in the area during the audit, and

to pay attention to how they feel themselves when they are in the area. The audit team should be asking

questions such as:

Why don’t I like this place?

When and why do I feel uncomfortable here?


What changes would make me feel safer?

When the team is looking at an area, they should take their time and consider the circumstances that they find

themselves in:

What if you were walking alone here at night?

What if you were waiting for someone to come pick you up?

Is there a possible entrapment site nearby?

Would it feel safe in the rain? In wind?

Are there fewer people around at a different time of day, week, or year?

After the Audit: Organizing the findings. When the safety audit is completed there will be a lot of information available about problem areas in the

community. There may also be a number of ideas for changes suggested in the audit sheets.

One way of organizing the information is to group together all the points on one factor such as lighting.

Comments about how far a person has to go to get help, whether there are enough telephones nearby, or how

likely it is that other people might see an assault take place, can all be brought together under the category of

isolation factors.

Another way of organizing the information from the checklist is by type of space. For example, safety factors

common to all parking lots could be grouped together.

When you've finished organizing the findings, you should check to see if any part of the area has been

overlooked. If it has, consider collecting more information with a mini-audit, or by asking people in the area.

Sharing the results Whether they were part of the audit or not, you might want to get support, information, ideas, and feedback

from people living or working in the area.

Now is the time to include people in the community who were not directly involved in the safety audit process to

date. Consider holding small meetings where people can talk about their concerns and help with the

recommendations. The members of the community will welcome the initiative to make their neighbourhood a

safer place to live or visit. Also, residents may be aware of problems that might have been overlooked by the

audit team. This type of neighbourhood meeting will provide more information on the problems, and will also

illicit ideas about what could be done to improve things. Last but not least, community meetings can build

support for the changes you want to see and promote community spirit.

The safety audit is the easy part, changing problem areas to safe areas is a little more difficult, but well worth the

effort both from a risk management point of view and a community point of view.

Conclusion Developing, implementing and maintaining a community risk management program can provide immediate and

long term benefits to the community. Although it may seem to be an overwhelming task in the beginning,

especially if the resources are not available for hiring a professional risk manager, it is a program that can be

initiated one step at a time with minimum investment of personnel and resources. A number of quick and easy

tasks such as mentioned in Section III may provide a significant return on investment in a relatively short time


span.

In summary, a community risk management program begins with the decision makers. Basic guidelines need to be

developed, a risk manager designated, and adequate resources dedicated to support the program. List the tasks

that can be accomplished within the budgetary restraints of your community unit and get started. Make the

program a priority for all staff members and the benefits will soon become apparent.

Risk management for communities encompasses a large number of topics, and space limitations prevent covering

all the possibilities in an article of this nature. A great number of electronic and print sources were reviewed in

writing this article, and a number of experts were consulted for their advice on particular aspects of risk

management.

For more detailed information on specific topics, there are numerous resources available both in print and

through electronic media. Community risk managers are advised to consult the many sources listed in the

suggested reading section for a more thorough treatment of specific situations.

Risk managers are reminded however, that it is always advisable to consult with your community solicitor for

information pertaining to particular situations.

Negligent misrepresentation Communities may find themselves liable for employees who offer negligent statements, incorrect advice, supply

invalid permits or approvals while acting on behalf of the community. Therefore, caution should be exercised

when any community employee gives out information to members of the public or the media.

Employees should be advised to not offer information which they are not required to give out. In addition, when

staff are in a position to provide information over the telephone, it is advisable to take notes while on the phone,

recording who they are speaking with, the date and time of the conversation, the topic of conversation and any

pertinent comments made by either party. Such notes made concurrently with a phone call may be referred to in

a court of law if the staff person is called as a witness. These notes will provide support to the staff member’s

credibility as a witness.

When an opinion, or an interpretation, is requested, employees should be made aware that because law is open

to interpretation, it may be advisable to seek the advice of the community solicitor before offering any comment

or statement of fact on bylaws or regulations (including permits or approvals). A court may still disagree with that

legal interpretation, but having a legal opinion is good evidence that reasonable care has been exercised.

It’s a good idea to remind all community employees that regulations are put in place for a reason, and they should

avoid the temptation to give someone “a break” as it could backfire on the community.

The liability for negligent statements by community staff is well established. Negligent statements extend to

advice, permits and approvals, as well as statements to the public at the reception desk or over the phone.

Talking to the Media (or the Public) Providing information to the media or to the general public can be a particular source of risk for community

governments. All information that staff provides to the public should be reviewed to ensure it is correct. Incorrect

information could potentially lead to a law suit. It is important also that the information is being supplied by the

appropriate staff person. If the information being provided is something that is open to interpretation, staff


should be advised against offering any interpretation.

In a crisis situation, media relations must be handled very carefully. It’s a time of high tension and it’s easy to

respond emotionally, off the cuff or in a hostile manner. None of these approaches will get your message out

correctly. While it is recommended that senior staff receive media training, some suggestions for dealing with the

media include:

One person should be designated as the media spokesperson and everyone on the crisis response team

should refer reporters to him or her.

Media will often focus their attention on the mayor or warden, as the head of the community, but that

doesn’t mean the mayor or warden should be the media spokesperson.

Answers should be short and factual. Steer clear of hypothetical questions and don’t guess at answers, or

offer personal opinions.

Be mindful of media deadlines but don't let a newspaper deadline determine your response. Provide

accurate information when you have it rather than offering a rushed response that you may later regret

just to meet a deadline.

Provide copies of any press releases to your staff and have them available to the general public in

addition to offering them to the media. In this way, your staff will be knowledgeable about the official

position if approached with questions. Also, the public will have access to the official statement that you

provided rather than the statement edited for publication.

The media will be hungry for information and will often seize on rumour to build a story. Respond with the facts

and don’t be afraid to defer your response until you can verify the information a reporter provides to you in a

question, for example:

Question: Mr. Mayor, is it true that 25 children were injured in the school disaster?

Poor response: I have no idea… It’s a terrible thing… I can only imagine the horror those poor kids felt as…

Better response: Emergency response crews are on the scene and we are still confirming information.

There will be a news conference at the town hall at 4:30 and we will provide you with as much

information as we can at that time.

For a more in depth look at how to deal with the media, refer to How to Handle the Public, The Media and Your

Staff by Peter Gill of the British Columbia Community Insurance Association. This article can be found in

Community Liability Risk Management Volume 1, Number 4.


CRSA Part 2 – Human Element and Management Attitude

H U M A N E L E M E N T P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

C O N T I N G E N C Y P L A N N I N G

E M E R G E N C Y O R G A N I Z A T I O N

L I F E S A F E T Y T R A I N I N G

F I R E P R O T E C T I O N M A I N T E N A N C E

H O U S E K E E P I N G

O V E R A L L B U I L D I N G M A I N T E N A N C E

M A N A G E M E N T O F C H A N G E

P R E - E M E R G E N C Y P L A N N I N G

S E L F - I N S P E C T I O N

S M O K I N G R E S T R I C T I O N S

M A N A G E M E N T A T T I T U D E P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

E X I S T I N G R I S K M A N A G E M E N T P R O G R A M

M A N A G E M E N T S U P P O R T S T R A I N I N G F O R E M P L O Y E E S

I N S U R E D ’ S A T T I T U D E T O W A R D S L O S S C O N T R O L I M P R O V E M E N T

E X I S T I N G R I S K M A N A G E M E N T P R O G R A M

P O L I C Y Q U E S T I O N S Y E S N O N / A

D O E S T H E C O M M U N I T Y H A V E A W R O N G F U L D I S M I S S A L P O L I C Y ?

D O E S T H E C O M M U N I T Y H A V E A N E M P L O Y E E H A N D B O O K ?

D O A L L E M P L O Y E E S A N D V O L U N T E E R S R E C E I V E A C O P Y O F T H E H A N D B O O K ?

D O E S T H E E M P L O Y E E H A N D B O O K E S T A B L I S H “ E M P L O Y M E N T A T W I L L ” ?

D O E S T H E E M P L O Y E E H A N D B O O K S P E C I F I C A L L Y I N C L U D E V O L U N T E E R S ?

D O E S T H E C O M M U N I T Y ’ S L E G A L C O U N S E L P E R I O D I C A L L Y R E V I E W T H E E M P L O Y E E H A N D B O O K ?

A R E E M P L O Y M E N T P O L I C Y C H A N G E S C O M M U N I C A T E D T O T H E E M P L O Y E E S ?

D O E S T H E C O M M U N I T Y A P P L Y S P E C I F I C H I R I N G G U I D E L I N E S ?

D O E S T H E C O M M U N I T Y A P P L Y S P E C I F I C T E R M I N A T I O N G U I D E L I N E S ?

A R E T H E R E S P E C I F I C A L L Y D E F I N E D D I S C I P L I N A R Y A C T I O N S ?

A R E T H E R E S P E C I F I C E M P L O Y M E N T G R I E V A N C E P R O C E D U R E S ?

A R E T H E R E S P E C I F I C G U I D E L I N E S C O N C E R N I N G S E X U A L A B U S E A N D / O R H A R A S S M E N T ?

A R E T E R M I N A T I O N A C T I O N S S U B J E C T T O E X T E R N A L O V E R S I G H T ?

D O Y O U C O N D U C T R I S K M A N A G E M E N T M E E T I N G S A T L E A S T T W I C E A Y E A R ?

D O Y O U H A V E A S A F E T Y C O M M I T T E E ?

D O Y O U D I S C U S S S A F E T Y I S S U E S R E G U L A R L Y W I T H E M P L O Y E E S ?

D O E S Y O U R B U D G E T C O N T A I N A L I N E I T E M F O R S A F E T Y ?

D O D E S I G N A T E D E M P L O Y E E S C O N D U C T M O N T H L Y , D O C U M E N T E D I N S P E C T I O N S O F T H E O F F I C E A R E A ?

D O T H E Y C O M P L E T E W R I T T E N R E P O R T S ?

H A V E Y O U D E V E L O P E D A N A C T I O N P L A N T O A D D R E S S A R E A S I N N E E D O F I M P R O V E M E N T ?

D O E S T H E S A F E T Y C O M M I T T E E R E V I E W E M P L O Y E E I N J U R Y R E P O R T S ?

D O Y O U H A V E A N E M E R G E N C Y O P E R A T I O N S P L A N I N P L A C E ?

I S A N E M E R G E N C Y E V A C U A T I O N P L A N I N P L A C E A N D P O S T E D ?

D O Y O U P R A C T I C E T H E P L A N A T L E A S T O N C E A Y E A R ?

D O Y O U R E V I E W A N D U P D A T E T H E P L A N A N N U A L L Y ?

P O L I C Y T O I N V E S T I G A T E A L L C I T I Z E N S ’ C O M P L A I N T S / C L A I M S O F I N J U R Y A T M U N I C I P A L F A C I L I T I E S ?

D O E S M A N A G E M E N T R E V I E W A L L C I T I Z E N - I N V O L V E D C O M P L A I N T S O R R E P O R T S O F I N J U R Y ?

D O E S M A N A G E M E N T M A I N T A I N A C E N T R A L F I L E O F A L L C I T I Z E N S C O M P L A I N T S / C L A I M S / O U T C O M E S ?

R E T U R N T O W O R K P R O G R A M Y E S N O N / A

I S T H E R E T U R N - T O - W O R K P R O G R A M A W R I T T E N P O L I C Y ?

I S T H E W O R K A S S I G N M E N T C O N T I N G E N T O N A V A I L A B L E W O R K ?

I S T H E A S S I G N M E N T T E M P O R A R Y A N D F O R A S P E C I F I E D P E R I O D ?


I S U P P E R M A N A G E M E N T R E Q U I R E D T O A U T H O R I Z E D A S S I G N M E N T A N D R E N E W A L ?

D O Y O U B A S E W O R K A S S I G N M E N T S O N P H Y S I C I A N A S S I G N E D E M P L O Y E E M E D I C A L R E S T R I C T I O N S ?

A R E S U P E R V I S O R S R E Q U I R E D T O E N S U R E E M P L O Y E E S D O N O T E X C E E D R E S T R I C T I O N S ?

D O Y O U H A V E A H U M A N R E S O U R C E S D E P A R T M E N T O R D E S I G N A T E D H U M A N R E S O U R C E P E R S O N ?

E M P L O Y M E N T S T A T U S Y E S N O N / A

D O Y O U D E S I G N A T E E M P L O Y E E S A S E I T H E R E X E M P T O R N O N - E X E M P T ?

D O A T - W I L L D I S C L A I M E R S A P P E A R O N T H E A P P L I C A T I O N F O R M A N D I N E M P L O Y M E N T M A N U A L S ?

R E C R U I T M E N T A N D A P P L I C A T I O N Y E S N O N / A

D O R E C R U I T M E N T S O U R C E S R E P R E S E N T T H E A V A I L A B L E L A B O U R M A R K E T ?

A P P L I C A T I O N R E V I E W E D B Y HR E X P E R T W I T H I N L A S T 2 Y E A R S T O E N S U R E I T M E E T S L E G A L S T A N D A R D S ?

A P P L I C A T I O N C O N T A I N S L A N G U A G E F O R T R U T H F U L N E S S A N D S I G N A T U R E / A C K N O W L E D G E M E N T L I N E ?

I N T E R V I E W I N G A N D S E L E C T I O N Y E S N O N / A

D O E S A C E N T R A L I N D I V I D U A L O V E R S E E D E P A R T M E N T S H I R I N G A C T I O N S / D E C I S I O N S ?

D O I N T E R V I E W E R S R E C E I V E T R A I N I N G ?

D O I N T E R V I E W E R S U S E S T A N D A R D I Z E D Q U E S T I O N S ?

D O Y O U F O L L O W C O N S I S T E N T P R O C E D U R E S F O R E A C H I N T E R V I E W ?

D O E S T H E I N T E R V I E W E R T A K E N O T E S D U R I N G T H E I N T E R V I E W ?

A R E T H E N O T E S O B J E C T I V E A N D J O B - R E L A T E D ?

D O Y O U D O C U M E N T T H E R E A S O N T O H I R E O R N O T T O H I R E ?

D O Y O U A U T H O R I Z E T H E D E C I S I O N T O H I R E B Y A N A D D I T I O N P E R S O N ( S ) O F A U T H O R I T Y ?

H A S A N A T T O R N E Y R E V I E W E D T H E J O B O F F E R L E T T E R ?

D O E S T H E L E T T E R C O N T A I N R E L E V A N T C O N T I N G E N C I E S A N D D O T H E Y E X P I R E ?

P R E - E M P L O Y M E N T T E S T S Y E S N O N / A

A R E T H E F O L L O W I N G T E S T S C O N D U C T E D ?

W R I T T E N T E S T ?

S K I L L S T E S T ?

A G I L I T Y T E S T ?

P E R S O N A L I T Y T E S T ?

P S Y C H O L O G I C A L T E S T ?

D O Y O U U S E T E S T S C O N S I S T E N T L Y ?

D O T E S T A D M I N I S T R A T O R S R E C E I V E T R A I N I N G ?

D O Y O U V A L I D A T E T H E T E S T S ?

P R E - J O B O F F E R S C R E E N I N G Y E S N O N / A

D O Y O U V E R I F Y P E R S O N A L R E F E R E N C E S ?

D O Y O U V E R I F Y P R I O R W O R K R E F E R E N C E S ?

I F R E L E V A N T T O T H E J O B , D O Y O U C O N D U C T C R I M I N A L B A C K G R O U N D C H E C K S ?

I F R E L E V A N T T O T H E J O B , D O Y O U C H E C K D R I V I N G R E C O R D S ?

D O Y O U V E R I F Y R E Q U I R E D L I C E N C E S A N D E D U C A T I O N ?

D O Y O U C O N D U C T D R U G T E S T S ?

W H E N F I L L I N G P O S I T I O N S W I T H F I N A N C I A L R E S P O N S I B I L I T Y , D O Y O U P E R F O R M C R E D I T C H E C K S ?

P O S T - J O B O F F E R Y E S N O N / A

D O Y O U R E Q U I R E M E D I C A L E X A M S ?

D O Y O U C O N D U C T M E D I C A L E X A M S A F T E R T H E J O B O F F E R ?

D O Y O U P R O V I D E T H E M E D I C A L F A C I L I T Y W I T H T H E P H Y S I C A L R E Q U I R E M E N T S O F T H E J O B ?

D O Y O U C O N S I S T E N T L Y R E Q U I R E M E D I C A L E X A M S ?

D O Y O U P R O V I D E F O R M A L O R I E N T A T I O N A T T H E T I M E O F H I R E ?

D O Y O U D O C U M E N T O R I E N T A T I O N S ?

D O A L L N E W E M P L O Y E E S R E C E I V E A N D R E V I E W C O P I E S O F A L L P O L I C I E S A N D P R O C E D U R E S ?

D O Y O U R E Q U I R E A W R I T T E N R E C E I P T O F A C K N O W L E D G E M E N T ?


D I S C I P L I N E A N D D I S C H A R G E Y E S N O N / A

D O Y O U H A V E W R I T T E N D I S C I P L I N A R Y R U L E S I N P L A C E ?

A R E E M P L O Y E E S A W A R E O F T H E R U L E S ?

A R E E M P L O Y E E S T E R M I N A T E D A T - W I L L ?

D O Y O U R E Q U I R E D I S C I P L I N A R Y A C T I O N T O B E D O C U M E N T E D ?

D O Y O U A F F O R D E M P L O Y E E S D U E P R O C E S S ?

D O Y O U C O N S U L T A N A T T O R N E Y O N M A J O R D I S C I P L I N E I S S U E S ?

D O Y O U P R O V I D E A H E A R I N G W H E N R E Q U I R E D ?

D O Y O U C O N D U C T E X I T I N T E R V I E W S F O R A L L E M P L O Y E E S W H O L E A V E ?

D O Y O U D O C U M E N T A N D K E E P A L L E X I T I N T E R V I E W S ?

E M P L O Y M E N T / P E R S O N N E L M A N U A L S Y E S N O N / A

A R E E M P L O Y M E N T / P E R S O N N E L M A N U A L S I N U S E ?

HR E X P E R T / A T T O R N E Y R E V I E W E D M A N U A L I N L A S T 2 Y E A R S T O I N S U R E I T M E E T S L E G A L S T A N D A R D S ?

D O Y O U P R O V I D E I T T O A L L E M P L O Y E E S ?

A R E E M P L O Y E E S R E Q U I R E D T O S I G N F O R R E C E I P T O F T H E M A N U A L ?

P E R S O N N E L F I L E S Y E S N O N / A

A R E F I L E S S E C U R E A N D C O N F I D E N T I A L ?

D O Y O U O R G A N I Z E F I L E S I N A C O N S I S T E N T M A N N E R ?

D O Y O U F I L E M E D I C A L I N F O R M A T I O N S E P A R A T E L Y ?

D O Y O U C O M P L Y W I T H T H E F R E E D O M O F I N F O R M A T I O N A C T ?

H A R A S S M E N T / D I S C R I M I N A T I O N / A B U S E Y E S N O N / A

I S T H E R E A W R I T T E N H A R A S S M E N T / D I S C R I M I N A T I O N / A B U S E P O L I C Y ?

H A V E T H E R E B E E N D O C U M E N T E D C O M P L A I N T S ?

I S T H E R E A N O P E N D O O R C O M P L A I N T P O L I C Y ?

A R E T H E R E A T L E A S T T W O C O M P L A I N T R O U T E S ?

D O Y O U H A V E A N D F O L L O W A N I N V E S T I G A T I O N P R O C E D U R E ?

D O Y O U I N V E S T I G A T E A N D R E S O L V E A L L C L A I M S ?

D O Y O U K E E P C O M P L I A N T F I L E S S E P A R A T E F R O M P E R S O N N E L F I L E S ?

S U B S T A N C E A B U S E Y E S N O N / A

D O Y O U H A V E A W R I T T E N S U B S T A N C E A B U S E P O L I C Y S T A T E M E N T ?

D O Y O U T R A I N S U P E R V I S O R S T O T A K E A P P R O P R I A T E A C T I O N S ?

D O Y O U T R A I N S U P E R V I S O R S I N S U B S T A N C E A B U S E R E C O G N I T I O N ?

D O Y O U O F F E R A N E M P L O Y E E A S S I S T A N C E P L A N ( E A P ) ?

D O Y O U E N S U R E T H A T T H E C D L R E Q U I R E M E N T S A R E M E T ?

Annual Review of Policies and Procedures

H O W O F T E N A R E T H E F O L L O W I N G R E V I E W E D ?

E M P L O Y M E N T A P P L I C A T I O N : A N N U A L L Y S E M I - A N N U A L L Y O T H E R

P E R S O N N E L M A N U A L S : A N N U A L L Y S E M I - A N N U A L L Y O T H E R

S E X U A L H A R A S S M E N T P O L I C Y : A N N U A L L Y S E M I - A N N U A L L Y O T H E R

P E R F O R M A N C E E V A L U A T I O N : A N N U A L L Y S E M I - A N N U A L L Y O T H E R

F O R M A N D I N S T R U C T I O N S : A N N U A L L Y S E M I - A N N U A L L Y O T H E R

V I O L E N C E I N T H E W O R K P L A C E : A N N U A L L Y S E M I - A N N U A L L Y O T H E R


Client Rating

O P I N I O N O F R I S K :

A T T I T U D E T O W A R D S S U R V E Y :

Recommendation

R E C O M M E N D A T I O N :

T Y P E : C R I T I C A L I M P O R T A N T D E S I R A B L E I M P R O V E M E N T

R E C O M M E N D A T I O N D E T A I L S :


CRSA Part 3 – Crime This section is the primary tool used in crime prevention to recognize, appraise and anticipate loss potential. It is

an in-depth on-site examination of a physical facility and its surrounding property (industrial plant, business,

hospital, other public building, or a residence). The survey is conducted to determine a facility's security status, to

identify deficiencies or security risks, to define the protection needed, and to make recommendations to

minimize criminal opportunity.

E-Commerce Risk Management The opportunity exists now for local government to consult with its citizens inexpensively and regularly on issues

facing the community. This will undoubtedly lead to improved transparency, increased accountability, and more

citizen involvement in the community. This increased transparency and improved access to government also

raises new concerns.

E-government means more than just publishing information on the internet however, it enables governments to

interact and conduct transactions with citizens and residents via computer.

As the world moves from the industrial society of the past to the information society of the future, the concept of

security becomes even more critical. Security, particularly as it relates to computer technology, is a major concern

to any business or government that is considering developing an electronic service delivery program.

Computer security involves the developing, implementing, and deploying of new technologies, mechanisms and

services that will be used to store, process, and transmit your client’s personal information in a safe and secure

manner.

Moving toward offering online and internet service involves a number of security risk factors that deserve careful

consideration. Some of the risks involved in communicating information over a network or on the Internet

include:

Confidentiality - Information of a confidential nature must be kept confidential.

Integrity - Information must be kept intact and free from tampering.

Authenticity - Information must be authoritative and genuine. Parties accessing the system must be

assured of the integrity of the information exchange.

Non-repudiating - Parties involved in the information exchange must not be able to deny having

participated in the exchange.

Access - Access control services, commonly known as firewall protection, can include a configuration of

static packet filtering, dynamic packet filtering, circuit level gateways, and application level gateways (or

proxy servers). Contact your professional IT representative to discuss the risks of unauthorized access to

your database or network.

Anonymity - When appropriate, the identity of the parties involved must remain confidential, and;

Availability - Information must be available when and where it is needed and to those parties who require

access.

Although a great deal of publicity has been given to the threat from unauthorized persons gaining access to your

network and data, hackers in other words, the greatest threat to your system is less likely to come from outside

than from inside the walls of your community office. The media’s obsession with the image of young hackers


prowling the internet for opportunities to disrupt government and private business is a distortion of the real

problem with network security.

A 1998 survey commissioned by the Computer Security Institute, found that some 70 percent of the organizations

polled said that their network defences had been breached. Surprisingly, nearly two-thirds of the attacks reported

came from the inside the organization. When you are evaluating the possibility of facing threats to your network,

perhaps you would be better off to pay less attention to media hype and focus on the likeliest perpetrators -

embittered or careless employees.

Some guidelines recommended by experts to address security issues with a network include:

Make sure there is no one person in control of the whole system

Require every person who is logging on to the system uses a password

Assign supervisory rights and access to as few people as possible

Ensure that backups are done on a regular basis

Have a strict sign-in/sign-out system for backup tapes

Keep a current copy of the backup tape stored away from the site in case of catastrophic events such as

fire

Do backups of desktops and laptops routinely as well as servers

Rotate backup tapes - don’t keep using the same tape over and over again

Change passwords on a regular basis and remind staff of selecting passwords that are not easily

identifiable such as pets names, telephone numbers etc.

Remind staff that when the system prompts for a password to be changed, do not enter an existing

password

Don’t use the same password for everything such as network access, online email programs, database

access. Use various passwords so that if one password is compromised a hacker cannot gain access to all

systems with one password

Keep your server in a secure area under lock and key with limited physical access

Keep your virus protection software updated on a regular basis

Use firewalls and other intrusion-detection software that will alert you when you are being threatened

Be alert for any employee who is in an information-critical position who may be showing signs of trouble.

Disgruntled or careless employees represent the greatest threat to network security.

At times of particular stress, increase you security. If there are pressures from layoffs, budget cuts etc.

pay close attention to network security

Have clearly defined policies in place for what you consider appropriate and inappropriate behavior on

the network, email system, or internet usage

Perhaps most important,

Prepare and test a recovery plan for system failure or disaster.

When an employee is departing for one reason or another there are certain precautions that should be taken

immediately to protect your system.

Change the passwords so that the departing employee no longer has access to the system;

Verify that the system has not been tampered with and that files are left intact, passwords have not been


changed without your permission and knowledge.

Educate staff as to their responsibilities with regard to their use of computers, networks, email and internet

usage. People tend to underestimate the impact their actions have on others. Responsibility lies with each staff

person to ensure that safe practices will prevent losses due to computer failure or attack from virus or other

hazards. Ensure that every employee has a copy of the policy governing how computers are used in the

workplace, with particular reference to email and internet use.

Financial

Insurance Unquestionably a well thought out plan for insurance coverage is one of the most important risk management

tools available to a community. In addition, insurance may offer protection against catastrophic losses, help to

keep community finances stable, preserve revenue and resources, and provide reserves in order to prevent small

claims from growing into big claims.

Probably the most important step you can take in preparing your risk management plan is to develop a rapport

with your insurance underwriter and to discuss your needs in detail so that he or she has a complete

understanding of what your specific requirements are.

There are numerous types of insurance coverage that a community unit can consider purchasing but there are

two basic categories:

Property insurance protects the community’s own property

Liability insurance protects against financial loss arising from damage done to someone else’s person or

property

Property insurance or casualty insurance covers community owned buildings and their contents. The policy

should list the current value of all community owned buildings and their contents and should include an up to

date inventory.

Special coverages to consider when discussing your needs with your insurance company may include:

Boiler and machinery coverage which insures against loss to a building and its contents due to the

explosion of boilers or other pressure vessels and machinery. This type of policy would require an

inspection which would ultimately be of benefit to the community.

Extra expense coverage would cover additional expenses resulting from the necessity of using alternative

premises because of loss or damage to community buildings.

Inflation guard coverage provides an automatic increase of limits to your insurance to cover periods of

inflation.

Valuable papers coverage provides for the cost of reproducing papers lost or destroyed in an emergency.

Flood insurance provides coverage for communities in event of food. Flood plain management measures

may be required

Insurance risk management There are a number of considerations to keep in mind when it comes to risk management regarding insurance

coverage for community units.


Regularly and routinely review and analyze your existing insurance:

o Know your deductibles

o Know what is excluded

o Know the limits of your policy

o Does your coverage match the value of your assets?

Compile a history:

o Keep a file for a minimum of five years of all claims

o Identify any recurring accidents or claims

o Develop a plan to address or prevent recurrences

Do an inventory of all property and assets:

o Take a physical inventory of all community buildings

o Use a video camera or take photos of equipment etc.

o Keep a copy of the inventory file off-site in case it is needed

Document

o Establish a complaint process

o Assign one employee to handle and deal with complaints

o Document all complaints completely with dates times and identities

Some guidelines for purchasing insurance include:

Talk to your insurance underwriter. Each underwriter has basic underwriting guidelines but these

guidelines may or may not cover all situations. Taking the time to review your insurance needs with your

underwriter on a regular basis may prevent unexpected financial losses due to insufficient or

inappropriate coverage.

Solicit quotes from a number insurance providers to be confident that yours is the best coverage, at the

best available price. However, let your underwriter know that you have been getting quotes from other

agencies and give them the opportunity to match the quote or to discuss the quote with you.

Plan ahead. Providing adequate lead time to your insurer gives the underwriter an opportunity to review

your insurance needs and to ask questions. It also gives your organization an opportunity to understand

the features of your insurance product, to obtain competitive quotes, and to compare terms.

Complete then review the application. Every question on an application form is important to the insurance

company. An incomplete application may be declined or returned for completion. Taking a few extra

minutes to ensure the application is complete and clearly worded before you submit it to the underwriter

may save you valuable time later.

Attach all supporting documentation. When an insurer requests information it is important to include that

information with your application. List enclosed items in the cover letter and check to ensure that each

item is in the package when it is sent.

Verify the accuracy of your information. An insurer may deny coverage if the information contained in the

initial application turns out to be inaccurate.

Anticipate questions your insurance agent may have. In consultation with your insurance agent, provide

any necessary explanation for the answers on the application form and any unique exposures your

organization may have.

Promptly respond to requests for further information. Prompt responses may not only save time later, but

highlights your professionalism.

Negotiate with respect. Sometimes an honest mistake either in filling out an application, or a


misunderstanding in discussing your requirements with the underwriter may result in a quote that is

unacceptable or unreasonable. While it is good to question the basis for a quotation to try to alter the

terms, do so in a respectful way and allow him or her the opportunity to be reasonable.

Offer alternatives. If an insurance quotation is unacceptable, offer suggestions that may improve the

terms. If your insurer refuses to cover an activity, ask if there are ways that you can work with the insurer

to come to a mutually satisfactory agreement. In some instances offering to institute an insurer-approved

risk management plan as a condition of coverage may be an option.


CRSA Part 3 – Crime

G E N E R A L Q U E S T I O N S Y E S N O N / A

D O Y O U U S E A N A U D I T O R ?

D O E S T H E A U D I T O R / A C C O U N T A N T / A U D I T I N G F I R M ?

D O E S T H E A U D I T O R / A C C O U N T A N T / A U D I T I N G F I R M R E P O R T D I R E C T L Y T O T H E C H I E F A N D C O U N C I L ?

D O Y O U U S E A S A F E O R A V A U L T ?

I S T H E R E C E N T R A L A L A R M M O N I T O R I N G I N A L L B U I L D I N G S ?

# O F E M P L O Y E E S H A N D L E M O N E Y / S E C U R I T I E S M A X I M U M A M O U N T O F M O N E Y O N P R E M I S E S

M A K E / M O D E L O F S A F E ( I F A P P L I C A B L E ) N A M E O F M O N I T O R I N G C O M P A N Y

Control Questions

C O N T R O L Q U E S T I O N S Y E S N O N / A

D O E M P L O Y E E S W H O R E C O N C I L E T H E B A N K S T A T E M E N T A L S O M A K E D E P O S I T S ?

D O T H E Y A L S O M A K E W I T H D R A W A L S ?

D O T H E Y A L S O S I G N C H E Q U E S ?

I S A C O U N T E R S I G N A T U R E O F C H E Q U E S R E Q U I R E D ?

I S S E G R E G A T I O N O F D U T I E S P R A C T I C E D I N T H E F O L L O W I N G A R E A S :

I N V E N T O R Y M A N A G E M E N T

V E N D O R A P P R O V A L

P U R C H A S E O R D E R A P P R O V A L A N D P A Y M E N T

C A S H R E C E I P T S

O V E R S I G H T O F B L A N K C H E Q U E S

R E T A I L C H E Q U E S A N D C R E D I T C A R D R E C E I P T S

P A Y R O L L W I R E T R A N S F E R R E C E I P T S A N D P A Y M E N T S

A R E A L L I N C O M I N G C H E Q U E S S T A M P E D “ F O R D E P O S I T O N L Y ” I M M E D I A T E L Y U P O N R E C E I P T ?

A R E I N V E N T O R Y R E C O R D S C O M P U T E R I Z E D ?

I S A P H Y S I C A L C O U N T O F I N V E N T O R Y C O N D U C T E D A T L E A S T A N N U A L L Y ?

A R E T H E C O M P U T E R P A S S W O R D S C H A N G E D F R E Q U E N T L Y ?

A R E T H E D U T I E S O F T H E C O M P U T E R P R O G R A M M E R S A N D O P E R A T O R S S E P A R A T E D ?

F O R N E W E M P L O Y E E S , D O Y O U P E R F O R M A N Y O F T H E F O L L O W I N G T Y P E S O F B A C K G R O U N D C H E C K S :

P R I O R E M P L O Y M E N T

C R I M I N A L H I S T O R Y

E D U C A T I O N

D R U G T E S T I N G

C R E D I T H I S T O R Y

A R E T H E C O N T R O L S I N D I C A T E D A B O V E I M P O S E D A T A L L L O C A T I O N S ?

F I N A N C I A L Q U E S T I O N S Y E S N O N / A

A R E B A C K G R O U N D I N V E S T I G A T I O N S C O M P L E T E D O N E M P L O Y E E S W H O S E J O B I N C L U D E S H A N D L I N G C A S H ?

A R E E M P L O Y E E S O R E L E C T E D / A P P O I N T E D O F F I C I A L S W H O H A N D L E M O N E Y , B O N D E D ?

D O T R A N S A C T I O N S G E N E R A T E / R E Q U I R E A N E L E C T R O N I C / W R I T T E N R E C O R D F O R D O C U M E N T A T I O N ?

D O Y O U U S E C H E C K S T A M P S W I T H T H E O F F I C E ’ S R E S T R I C T I V E E N D O R S E M E N T ?

D U R I N G B U S I N E S S H O U R S , E M P L O Y E E S K E E P C A S H I N A S E C U R E R E G I S T E R , L O C K E D D R A W E R , O R B O X ?

A F T E R B U S I N E S S H O U R S I S C A S H P L A C E D I N A C L O S E D A N D L O C K E D S A F E A N D R E G I S T E R S L E F T O P E N ?

A R E B A N K D E P O S I T S M A D E E A C H B U S I N E S S D A Y ?

D O E S A S E C O N D P E R S O N R E C O N C I L E D E P O S I T S B E F O R E G O I N G T O T H E B A N K ?

A R E D E P O S I T S M A D E A T T H E B A N K D U R I N G T H E B U S I N E S S D A Y ?

A T T H E E N D O F E A C H S H I F T , A R E A L L C A S H D R A W E R S B A L A N C E D ?

A R E T H E O R G A N I Z A T I O N ’ S F I N A N C I A L R E C O R D S I N D E P E N D E N T L Y A U D I T E D E A C H Y E A R ?

D U R I N G T H E B U S I N E S S D A Y , I S T H E D O O R T O T H E S A F E / V A U L T C L O S E D ?


I S A C C E S S T O T H E S A F E / V A U L T D U R I N G B U S I N E S S H O U R S R E S T R I C T E D T O A U T H O R I Z E D P E R S O N S O N L Y ?

I S T H E S A F E / V A U L T D O O R C L O S E D A N D L O C K E D A T T H E E N D O F T H E B U S I N E S S D A Y ?

W A S T H E C O M B I N A T I O N / L O C K C H A N G E D A F T E R T H E L A S T P E R S O N W H O H A D A C C E S S , L E F T / S E P A R A T E D ?

P O S I T I O N O F P E R S O N S I G N I N G C H E Q U E S P O S I T I O N O F P E R S O N C O U N T E R S I G N I N G

A D D I T I O N A L D E T A I L S

O R N O T E S O N A N Y O F

T H E A B O V E S E C T I O N :

Recommendation





CRSA Part 4 – Property Exposure This section will include a description of the number and types of residential buildings as well as the main

commercial, industrial and community owned structures:

Provide either the known or estimated year of building construction

Dates of any significant building additions and upgrades

Indicate the number of storeys or floor levels above grade including any basements along with the

estimated building's height

Include the estimated ground floor area and the building's total floor area of all levels combined

Confirm the building's overall physical condition and indicate as being "excellent", "good" or "poor". A

poor building condition must result in greater detail and emphasis given in the summary section at the

end of the report along with making suitable recommendations.

Replacement valuations

Provide details on:

˗ Composition of exterior wall construction

˗ Building's roof and floor construction

˗ Fire and crime protection

˗ Types and condition of plumbing, wiring

˗ Heating methods for commercial, industrial and other community owned structures

˗ Sprinklers and alarms


CRSA Part 4 – Property Exposure

P R O P E R T Y E X P O S U R E P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

W A T E R S U P P L Y R E L I A B I L I T Y

O V E R A L L S P R I N K L E R P R O T E C T I O N

W A T E R S U P P L I E S

H Y D R A N T S

E N T R Y A L A R M S E R V I C E

F I R E A L A R M S E R V I C E

H O M E M A I N T E N A N C E P R O G R A M

R E S I D E N T I A L I N S P E C T I O N P R O G R A M S M O K E D E T E C T O R S / A L A R M S

O V E R A L L H O U S E K E E P I N G

N E W H O M E C O N S T R U C T I O N M A N A G E M E N T

C O N T I N G E N C Y P L A N N I N G

C U T T I N G / W E L D I N G

E M E R G E N C Y O R G A N I Z A T I O N

F I R E P R O T E C T I O N I M P A I R M E N T

F I R E P R O T E C T I O N M A I N T E N A N C E


M A I N T E N A N C E

M A I N T E N A N C E I N T E R E S T

M A N A G E M E N T O F C H A N G E

N E W C O N S T R U C T I O N M A N A G E M E N T

P R E - E M E R G E N C Y P L A N N I N G

S E L F - I N S P E C T I O N

S M O K I N G R E S T R I C T I O N S

N O N -R E S I D E N T I A L P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

W R I T T E N H O M E M A I N T E N A N C E P R O G R A M C U R R E N T A N D I N U S E

W R I T T E N P R O C E S S F O R E M E R G E N C Y I S C U R R E N T A N D I N U S E

E V A C U A T I O N P L A N I S C U R R E N T A N D I N U S E

C O M M E R C I A L B U I L D I N G S R E P L A C E M E N T V A L U E S U P T O D A T E

T E N A N T S C A R R Y I N S U R A N C E

B U I L D I N G M A I N T E N A N C E A N D H O U S E K E E P I N G U P T O D A T E

S M O K E D E T E C T O R S / F I R E E X T I N G U I S H E R S R E G U L A R L Y I N S P E C T E D

F I R E D E P A R T M E N T I N S P E C T S C O M M E R C I A L B U I L D I N G S Y E A R L Y

I N T E R I O R / E X T E R I O R L I G H T I N G

S N O W A N D I C E R E M O V A L F O R C O M M E R C I A L B U I L D I N G S

A L L C O M M E R C I A L B U I L D I N G S A R E P R O T E C T E D B Y H Y D R A N T S

W A T E R S U P P L Y R E L I A B I L I T Y

O V E R A L L S P R I N K L E R P R O T E C T I O N

W A T E R S U P P L I E S

H Y D R A N T S

E N T R Y A L A R M S E R V I C E

F I R E A L A R M S E R V I C E

H O M E M A I N T E N A N C E P R O G R A M

R E S I D E N T I A L I N S P E C T I O N F O R S M O K E D E T E C T O R S / A L A R M S

H O U S E K E E P I N G O V E R A L L

N E W H O M E C O N S T R U C T I O N M A N A G E M E N T

R E S I D E N T I A L P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

W R I T T E N H O M E M A I N T E N A N C E P R O G R A M

W R I T T E N P R O C E S S F O R T E N A N T E V I C T I O N

H O U S E S I N S U R E D T O R E P L A C E M E N T V A L U E S


T E N A N T S C A R R Y I N S U R A N C E

H O U S E K E E P I N G A D E Q U A T E

S M O K E D E T E C T O R S / F I R E E X T I N G U I S H E R S I N E A C H U N I T

F I R E D E P A R T M E N T I N S P E C T S H O U S I N G A N N U A L L Y

M O U L D R E M E D I A T I O N P R O G R A M

H O U S I N G P R O T E C T E D B Y F I R E H Y D R A N T S

A R S O N C L A I M S I N T H E P A S T 5 Y E A R S

S A F E T Y A N D M A I N T E N A N C E Y E S N O N / A

A R E A L L P R E M I S E S I N S P E C T E D P E R I O D I C A L L Y F O R S A F E T Y ?

I S T H E R E A F O R M A L W R I T T E N P R O G R A M F O R P R E V E N T A T I V E M A I N T E N A N C E ?




A I S L E S , S T A I R W A Y S , A N D F L O O R S Y E S N O N / A

P A R K I N G L O T S , E N T R Y W A Y S , L O B B I E S H A V E S U F F I C I E N T L I G H T I N G T O C L E A R L Y S H O W A N Y H A Z A R D S ?

P A R K I N G L O T S , S I D E W A L K S , E N T R Y / E X I T W A Y S C L E A R O F S N O W A N D I C E ?

A R E W E A T H E R M A T S I N U S E D U R I N G I N C L E M E N T W E A T H E R ?

A R E E N T R Y / E X I T W A Y S F R E E O F I M P E D I M E N T S A N D S L I P / T R I P H A Z A R D S ?

A R E W A R N I N G P L A C A R D S U S E D W H E N F L O O R S A R E W E T ?

A R E M A T S O R C A R P E T I N G I N L O B B Y A R E A S I N S P E C T E D R E G U L A R L Y F O R S L I P / T R I P H A Z A R D S ?

D O E S T H E O F F I C E / F L O O R A R R A N G E M E N T A L L O W F O R E A S Y E G R E S S U N D E R E M E R G E N C Y C O N D I T I O N S ?

A R E A L L A I S L E S , E X I T S , S T A I R W E L L S , A N D D O O R W A Y S K E P T C L E A R A T A L L T I M E S ?

A R E A L L A I S L E A N D C O R R I D O R E N T R A N C E S A D E Q U A T E F O R T W O - W A Y T R A F F I C ?

I S T H E R E U N O B S T R U C T E D A C C E S S T O A L L P A R T S O F T H E O F F I C E A N D B U I L D I N G ?

A R E T H E R E A N Y T R I P H A Z A R D S I N T H E F A C I L I T Y ( L O O S E O B J E C T S , F U R N I T U R E , W O R N C A R P E T I N G , E T C . ) ?

H O U S E K E E P I N G Y E S N O N / A

A R E T H E R E I N D I V I D U A L S R E S P O N S I B L E F O R M A I N T A I N I N G G O O D H O U S E K E E P I N G I N T H E I R W O R K A R E A S ?

H A S M A N A G E M E N T D E V E L O P E D A C L E A N I N G S C H E D U L E ?

E X I T S Y E S N O N / A

A R E T H E R E S U F F I C I E N T E X I T S F O R T H E F A C I L I T Y ( N O L E S S T H A N 2 F O R E A C H F I R E A R E A ) ?

A R E D O O R S U N L O C K E D O R H A V E P A N I C H A R D W A R E ?

A R E D O O R S C L E A R L Y V I S I B L E O R H A V E M A R K E D R O U T E ?

D O Y O U M A I N T A I N C L E A R A C C E S S T O A L L E X I T S ?

A R E E X I T S I G N S I L L U M I N A T E D ?

D O Y O U P O S T E X I T S I G N S ( 6 I N C H L E T T E R S ) ?

D O D O O R S S W I N G O U T T O A S A F E D I S C H A R G E A R E A ?

D O Y O U K E E P E M E R G E N C Y E X I T S C L E A R O F S N O W A N D I C E ?

Recommendation





CRSA Part 5 – Catastrophic Perils This section will provide commentary on exposures and past history in regards to flood, surface water/drainage

concerns and sewer back up. Collapse and landslide exposures should be reviewed along with wind and snow

loading requirements. Exposures to forest fire, avalanche and earthquake will be explained.

Weather Emergencies Weather emergencies are a rare occurrence in Nova Scotia but can include windstorms, snowstorms, flood or

severe electrical storms. While procedures may differ from one type of weather emergency to another, the need

for advance preparation and good communication is the same for all emergencies.

The first priority for any weather emergency is to ensure that community employees and their equipment

are adequately prepared to keep roads clear and community services functioning.

Some general guidelines for dealing with emergency weather situations include:

Employee manuals should clearly outline the procedures to follow in the event of any emergency.

Employees need to be informed of their responsibilities and exactly what is expected of them during an

emergency situation.

Periodic safety exercises, and hands on orientation improve the likelihood that safety procedures will be

followed.

Safety training begins when a new employee is introduced to the workplace. Appropriate sections of the

employee manual may be reviewed during the orientation process. Instruction on safety procedures and

location of emergency exits may be addressed while introducing the new employee to their new

colleagues. This may also be the appropriate time to identify which employees are trained to handle

emergency situations.


CRSA Part 5 – Catastrophic Perils

C A T A S T R O P H I C P E R I L S P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

W I N D S T O R M R A T I N G

F L O O D R A T I N G

E A R T H Q U A K E R A T I N G

F O R E S T F I R E R A T I N G

V O L C A N O R A T I N G

T S U N A M I R A T I N G

Windstorm Details

W I N D S T O R M Q U E S T I O N S Y E S N O N / A

H A S T H E R E B E E N A N Y W I N D S T O R M D A M A G E I N T H E P A S T 1 0 Y E A R S ?

I S T H E R E A L I K E L I H O O D O F T H I S E V E N T H A P P E N I N G A G A I N ?

I M P A C T T H I S T Y P E O F

E V E N T W O U L D H A V E

O N T H E C O M M U N I T Y :

Flood Details

F L O O D Q U E S T I O N S Y E S N O N / A

H A S T H E R E B E E N A N Y F L O O D D A M A G E I N T H E P A S T ?


I S T H E R E A F L O O D M A P A V A I L A B L E ? I F Y E S , P L E A S E A T T A C H .

A R E A R E A S P R O T E C T E D B Y U P S T R E A M F L O O D C O N T R O L D A M S ?

A R E A R E A S P R O T E C T E D B Y L E V E E S O R F L O O D W A L L S ?

D O L O S S C O N T R O L M E A S U R E S A N D P R E - P L A N S I N C L U D E :

E A R L Y W A R N I N G S Y S T E M S O R B A R R I E R S

S A N D B A G S

F L O O D - C O N T R O L G A T E S

W A T E R F R O N T D O O R S

P U M P S

E L E V A T E D S T O R A G E

F O R M A L P R E - E M E R G E N C Y P L A N S

A C C E S S D U R I N G F L O O D

R E L O C A T I O N P L A N S F O R V A L U A B L E A N D D E L I C A T E I T E M S

E M E R G E N C Y P O W E R A N D S U P P L I E S

S A L V A G E O P E R A T I O N S

E M E R G E N C Y E Q U I P M E N T

S E C U R E T A N K S , Y A R D S T O R A G E




E L E V A T I O N I N F O R M A T I O N A B O V E S E A L E V E L E L E V A T I O N I N F O R M A T I O N A B O V E S E A L E V E L

E L E V A T I O N O F M A J O R P O R T I O N O F P R O P E R T Y N O R M A L E L E V A T I O N O F E X P O S I N G W A T E R

E L E V A T I O N O F L O W E S T E X P O S E D S T R U C T U R E E L E V A T I O N O F L E V E E S O R F L O O D W A L L S

N A M E , T Y P E , A N D S I Z E

O F B O D Y O F W A T E R O F

R I S K E X P O S U R E :


Earthquake Details

E A R T H Q U A K E Q U E S T I O N S Y E S N O N / A

H A S T H E R E B E E N A N Y E A R T H Q U A K E O R S H I F T I N G D A M A G E I N T H E P A S T 1 0 Y E A R S ?





Forest Fire Details

F O R E S T F I R E Q U E S T I O N S Y E S N O N / A

H A S T H E R E B E E N A N Y F O R E S T F I R E S I N T H E P A S T 1 0 Y E A R S ?





Earthquake Details

E A R T H Q U A K E Q U E S T I O N S Y E S N O N / A

H A S T H E R E B E E N A N Y E A R T H Q U A K E O R S H I F T I N G D A M A G E I N T H E P A S T 1 0 Y E A R S ?





Recommendation





CRSA Part 6 – Fire Department Rating This section will outline fire protection capabilities throughout the community, giving an overall assessment of the

fire protection for the whole community on the site identified. Consideration must be given to the overall

protection of the whole community or the whole site.

This section will outline the capabilities throughout the community in regards to fire protection. It is important to

understand that one form is to be completed per site, giving an overall assessment of the fire protection for the

whole community on the site identified. In assessing the community fire protection consideration must be given

to the overall protection on the whole community or the whole site. Items attributable to Health and Safety,

impact to the community (e.g. magnitude of service interruption or deficiencies), readiness and efficiency, and

potential replacement cost should be weighted with higher significance than minor items such as minor lack of

maintenance.

1. A description of the fire department (vehicles and staff).

2. A copy of any written agreement with any neighbouring fire department and a brief description of their

capabilities as well as response times should be provided.

3. A description of any band fire protection and prevention programs including residential and commercial

building inspection programs.

4. Describe water supplies, pumping and distribution systems as well as hydrant protected areas.

5. In commercial/industrial buildings describe any special extinguishing systems as well as adequacy and

maintenance of sprinklers, fire extinguishers and hose stations and review of tags for inspection dates.

6. Type of fire alarm systems as well as monitoring capabilities should be indicated and certificates reviewed

for compliance on certification dates.

7. If volunteer force is used the following sections should be commented on:

Training - The objective here is to indicate if the people active in the fire suppression activities, Fire Chief

and/or Fire Fighters, have been participating in training program equivalent to the National Fire

Protection Association programs or other nationally recognized standards.

Water Supply - Indicate if the community is serviced with fire hydrants, if the fire flow is verified and

tested by a fire suppression expert to ensure it meet design flows.

Evaluation of the Operational Condition of Critical Fire Suppression Element - The objective is to assess the

operational condition of the following 4 fire suppression elements: Fire Hall and/or garage, Fire Vehicles,

Tools and equipment, and Protective clothing.

Advance planning is essential for proper response to a fire emergency.

Every building should have an evacuation plan in the event of fire.

All staff should be made aware of the evacuation plan, the location of fire extinguishers, as well as

emergency exits, and be familiar with which routes they need to follow in order to quickly and orderly

evacuate from any part of the building.

In an event of an evacuation, staff should be instructed to gather in a particular place so that it can be

determined whether everyone has left the building, or site.


Depending on the size of the building, an adequate number of persons need to be designated with the

responsibility of taking roll call to ensure that everyone is accounted for in the event of an evacuation.

Anyone requiring assistance during an evacuation should be identified during the planning stages, and

someone assigned to assist in their evacuation in an emergency. The person requiring assistance should

be made aware of who will be assisting them, and a backup plan put in place in the event that the

designated helper is not on site during an emergency.

Regular fire drills are an important way of ensuring that employees are familiar with the procedures to

follow. Local fire departments are usually happy to be consulted to review the plan, observe fire drills and

make suggestions as to how the plan can be improved.


CRSA Part 6 – Fire Department Rating

F I R E D E P A R T M E N T P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

R E G U L A R H Y D R A N T T E S T I N G

P R O V I D I N G R E G U L A R T R A I N I N G

9 1 1 S Y S T E M I S B E I N G U T I L I Z E D

A V A I L A B I L I T Y O F A M B U L A N C E A N D F I R S T R E S P O N S E

W R I T T E N M A I N T E N A N C E P R O G R A M F O R F I R E E Q U I P M E N T


F I R E D E P A R T M E N T A B L E T O H A N D L E C O M M U N I T Y R I S K H A Z A R D S

P U B L I C E D U C A T I O N P R O G R A M F O R M E M B E R S

R E S I D E N T I A L A N D N O N - R E S I D E N T I A L I N S P E C T I O N S C O N D U C T E D

F I R E D E P A R T M E N T P E R S O N N E L W E L L T R A I N E D A N D S U P P L I E D

Fire Station Service

S E R V I C E Q U E S T I O N S Y E S N O N / A

I S T H E R E A F I R E S T A T I O N I N T H E C O M M U N I T Y ?

I F N O T , I S T H E R E A N A G R E E M E N T W I T H A F I R E D E P A R T M E N T W I T H I N 1 0 K M S ?

I S T H E E N T I R E C O M M U N I T Y S E R V I C E D ?

I S T H E R E A R E L I A B L E S O U R C E O F W A T E R F O R F I R E F I G H T I N G ?

A R E T H E R E F I R E H Y D R A N T S I N T H E C O M M U N I T Y ?

A R E T H E R E D R Y H Y D R A N T S I N S T A L L E D A N D M A I N T A I N E D ?

A R E P U M P S ( I N C L U D I N G T H E P U M P E R T R U C K ) I N S P E C T E D O N A W E E K L Y B A S I S ?

I S T H E E X I S T I N G F I R E D E P A R T M E N T R E G U L A T E D U N D E R T H E B A N D C O U N C I L ?

I S T H E R E A M I N I M U M O F 1 F U L L T I M E F I R E - F I G H T I N G E M P L O Y E E O N D U T Y ( 2 4 H O U R S A D A Y ) ?

A R E F U L L T I M E E M P L O Y E E S B A C K E D B Y A M I N I M U M O F 1 5 V O L U N T E E R F I R E - F I G H T E R S P E R S T A T I O N ?

M I N I M U M 1 W O R K I N G F I R E T R U C K W I T H S T A N D A R D T R I P L E C O M B I N A T I O N P U M P E R P L U S T A N K E R ?

I S T H E R E A 2 4 H O U R M E A N S O F A L A R M R E C E I P T A N D A M E A N S O F D I S P A T C H I N G F I R E F I G H T E R S ?

D O E S T H E F I R E D E P A R T M E N T I N S P E C T B U I L D I N G S F O R F I R E H A Z A R D S ?

D O E S T H E F I R E D E P A R T M E N T C O N D U C T F I R E P R O T E C T I O N E Q U I P M E N T I N S P E C T I O N S ?

I S T H E R E A S C H E D U L E D S T A N D B Y F O R P E R S O N N E L ?

I S P R O T E C T I O N P U R C H A S E D , S U P P L I E D , O R P R O V I D E D U N D E R C O N T R A C T F R O M A N O U T S I D E S O U R C E ?

P E R C E N T A G E O F C O M M U N I T Y S E R V I C E D N U M B E R O F H Y D R A N T S I N T H E C O M M U N I T Y

N U M B E R O F F U L L T I M E F I R E - F I G H T E R S N U M B E R O F F U L L T I M E F I R E - F I G H T E R S

T O T A L P O P U L A T I O N S E R V I C E D T O T A L C A L L S P A S T 1 2 M O N T H S

T O T A L F I R E C A L L S ( N O N - M E D I C A L ) T O T A L M E D I C A L C A L L S

A V E R A G E R E S P O N S E T I M E D A Y T I M E C A L L S A V E R A G E R E S P O N S E T I M E N I G H T T I M E C A L L S

N A M E O F F I R E C H I E F F I R E C H I E F I S : F U L L T I M E P A R T T I M E / V O L U N T E E R





Communication

S E R V I C E Q U E S T I O N S Y E S N O N / A

F I R E D E P A R T M E N T I S A L E R T E D T O C A L L S U S I N G T H E 9 1 1 S E R V I C E ?

F I R E D E P A R T M E N T C A L L S A R E R E C E I V E D A T A C E N T R A L C O M M U N I C A T I O N C E N T R E ?

F I R E F I G H T E R S A R E A L E R T E D T O C A L L S U S I N G C E L L P H O N E S , P H O N E S , O R P A G E R S ?

F I R E F I G H T E R S A R E A L E R T E D T O C A L L S U S I N G A F A N O U T ?

I S T H E R E A B A S E R A D I O I N E A C H S T A T I O N ?

D O E S T H E B A S E R A D I O H A V E P A G I N G A B I L I T Y ?

I S A R E P E A T E R S Y S T E M U S E D ?

D O E S T H E C O M M U N I C A T I O N S Y S T E M H A V E S T A N D B Y O R B A C K U P P O W E R ?

A R E T H E R E A N Y R A D I O D E A D - S P O T S W I T H I N T H E C O M M U N I T Y ?

D O E S E A C H V E H I C L E U S E D B Y T H E F I R E D E P A R T M E N T H A V E A R A D I O U N I T I N S T A L L E D ?

A R E T H E R E A D D I T I O N A L P O R T A B L E R A D I O S O N H A N D ?

Emergency Medical Services

T Y P E S O F E M E R G E N C Y M E D I C A L S E R V I C E O P E R A T I O N S C O N D U C T E D Y E S N O N / A

F I R E D E P A R T M E N T W I T H A M B U L A N C E

F I R E D E P A R T M E N T O N L Y ( N O A M B U L A N C E )

A M B U L A N C E C O R P S R E S C U E S Q U A D

F I R S T R E S P O N D E R S

H I G H A N G L E R E S C U E

H A Z A R D O U S M A T E R I A L S T E A M

O T H E R

E M E R G E N C Y M E D I C A L S E R V I C E Q U E S T I O N S Y E S N O N / A

D O V O L U N T E E R S U S E T H E I R P E R S O N A L V E H I C L E S ?

A R E A L L V O L U N T E E R S C O V E R E D U N D E R W O R K E R S C O M P E N S A T I O N I N S U R A N C E P O L I C Y ?

A R E F I R E F I G H T E R S O R E M E R G E N C Y S E R V I C E S P R O V I D E D T O A N Y O T H E R C O M M U N I T Y ?




Fire Station Equipment Data Numbers

N O Z Z L E S – 3 8 M M N O Z Z L E S – 4 5 M M N O Z Z L E S – 6 5 M M

B R E A T H I N G A P P A R A T U S S P A R E A I R B O T T L E S P O R T A B L E P U M P S

S A L V A G E C O V E R S D E L U G E G U N ( M O N I T O R ) A T T I C L A D D E R

F L O O D L I G H T S P O R T - A - T A N K R E S U S C I T A T O R

G E N E R A T O R A I R C O M P R E S S O R / C A S C A D E E X T I N G U I S H E R

S M O K E E J E C T O R F O A M E D U C T O R F O A M N O Z Z L E

P A I L S O F F O A M F I R S T A I D K I T R O P E S

F L A S H L I G H T S F O R C I B L E E N T R Y T O O L S P I K E P O L E A X E S

R O O F L A D D E R E X T E N S I O N L A D D E R

Fire Department Vehicles

F I R E D E P A R T M E N T V E H I C L E T Y P E P U M P E R T A N K E R A E R I A L R E S C U E O T H E R N / A

M A K E , M O D E L , Y E A R







Training

F I R E D E P A R T M E N T A N D E M E R G E N C Y S E R V I C E S T R A I N I N G Y E S N O N / A

A R E A N Y P E R S O N N E L A C C R E D I T E D F I R E S E R V I C E T R A I N E R S ?

H A S T H E D E P A R T M E N T B E E N T R A I N E D B Y O U T S I D E I N S T R U C T O R S ?

H A V E A N Y P E R S O N N E L A T T E N D E D A N O U T S I D E F I R E S C H O O L C O U R S E ?

I S T H E R E A T R A I N I N G O F F I C E R I N P L A C E ?

A R E T R A I N I N G R E C O R D S K E P T ?

A R E T H E R E T R A I N I N G M A N U A L S I N U S E ?

F R E Q U E N C Y T R A I N I N G S E S S I O N S A R E H E L D N U M B E R O F P E R S O N N E L T R A I N E D




Fire Prevention and Public Education

F I R E P R E V E N T I O N A N D P U B L I C E D U C A T I O N Y E S N O N / A

I S T H E R E A F I R E I N S P E C T I O N P R O G R A M I N P L A C E ?

I S T H E R E A P U B L I C E D U C A T I O N P R O G R A M I N P L A C E ?

I S T H E F I R E D E P A R T M E N T P R O A C T I V E R E G A R D I N G F I R E P R E V E N T I O N I N T H E C O M M U N I T Y ?

A R E S M O K E D E T E C T O R S A N D C A R B O N M O N O X I D E ( C O ) D E T E C T O R S A C C E S S I B L E ?

A R E F I R E C O D E S I N U S E ?




Rural and Suburban Water Sources

I N F O R M A T I O N R E G A R D I N G R U R A L A N D S U B U R B A N W A T E R S O U R C E S I S T O B E C O M P L E T E D W H E N T H E R E I S N O W A T E R D I S T R I B U T I O N S Y S T E M

F O R F I R E P R O T E C T I O N O R W H E R E O N L Y A P O R T I O N O F T H E R E S E R V E I S P R O V I D E D W I T H F I R E H Y D R A N T S . D E S C R I B E A S F O L L O W S :

S O U R C E O F S U P P L Y ( L A K E , E T C . ) L O C A T I O N C A P A C I T Y ( L / G A L ) C O N S T R U C T I O N T Y P E

O T H E R P U M P S U S E D :

L I S T W A T E R S O U R C E S

N O T A V A I L A B L E Y E A R

R O U N D :





Supervision

S U P E R V I S I O N Y E S N O N / A

D O Y O U H A V E A W R I T T E N O R G A N I Z A T I O N A L S T R U C T U R E ?

D O E S I T A D D R E S S T R A I N I N G ?

D O E S I T I N C L U D E A R E S P O N S E P L A N A D D R E S S I N G T Y P I C A L / H I G H H A Z A R D I N C I D E N T S I N C O M M U N I T Y ?

D O Y O U H A V E A W R I T T E N M A N A G E M E N T P L A N T H A T A D D R E S S E S T H E M O S T C O M M O N H A Z A R D S ?

D O Y O U H A V E A W R I T T E N O C C U P A T I O N A L S A F E T Y A N D H E A L T H P O L I C Y ?

A R E T H E R E W R I T T E N E M P L O Y E E S A F E T Y R U L E S ?

D O Y O U H A V E A W R I T T E N A C C I D E N T I N V E S T I G A T I O N P R O C E D U R E ?

D O Y O U H A V E A B A S I C P R O C E D U R E F O R T R E A T M E N T A N D T R A N S P O R T O F T H E I N S U R E D ?

D O Y O U H A V E R E P R E S E N T A T I V E S O N T H E M U N I C I P A L S A F E T Y C O M M I T T E E ?

Training and Orientation

T R A I N I N G A N D O R I E N T A T I O N Y E S N O N / A

D O Y O U H A V E A N O V E R S I G H T O F T R A I N I N G A T T H E C O M M A N D L E V E L ?

I S T H E R E A T R A I N I N G O F F I C E R A S S I G N E D ?

D O E S T H E T R A I N I N G O F F I C E R H A V E T H E M I N I M U M Q U A L I F I C A T I O N S O F I N S T R U C T O R I ?

I S T H E R E T R A I N I N G A M I N I M U M O F T W I C E P E R Y E A R O R A F T E R A N Y P O L I C Y / E Q U I P M E N T C H A N G E S ?

H A V E A L L F I R E F I G H T E R R E S P O N D E R S R E C E I V E D T R A I N I N G I N F I R E F I G H T E R I ?

D O A L L D R I V E R S C O M P L E T E A P P R O V E D D R I V I N G T R A I N I N G ?

D U R I N G T R A I N I N G , A R E S T U D E N T S U N D E R D I R E C T S U P E R V I S I O N ?

H A V E A L L O F F I C E R S A N D F I R E F I G H T E R S R E C E I V E D T R A I N I N G I N I N C I D E N T C O M M A N D ?

H A V E A L L O F F I C E R S A N D F I R E F I G H T E R S R E C E I V E D T R A I N I N G I N S A F E E X I T P R O C E D U R E S ?

D O Y O U P R O V I D E T R A I N I N G F O R P O T E N T I A L H I G H H A Z A R D S I N T H E C O M M U N I T Y ?

Facilities

F I R E D E P A R T M E N T F A C I L I T I E S Y E S N O N / A

D O Y O U H A V E A D E C O N T A M I N A T I O N A R E A ?

A R E T H E R E S M O K E A N D C A R B O N M O N O X I D E D E T E C T O R S A V A I L A B L E T O A L L ?

I S T H E S T A T I O N S M O K E - F R E E ?

I S T H E S T A T I O N I N S P E C T E D M O N T H L Y F O R S A F E T Y A N D E N V I R O N M E N T A L H A Z A R D S ?

D O Y O U H A V E A C E N T R A L S T A T I O N F I R E A L A R M ?

A L L F A C I L I T I E S Y E S N O N / A

A R E F I R E E X T I N G U I S H E R S I N S P E C T E D M O N T H L Y A N D S E R V I C E D B Y C O N T R A C T O R A N N U A L L Y ?

A R E E M E R G E N C Y T E L E P H O N E N U M B E R S P O S T E D I N C L E A R A N D C O N S P I C U O U S L O C A T I O N S ?

F I R E A N D S M O K E D E T E C T I O N S Y S T E M S I N S P E C T E D A N D S E R V I C E D ?

F I R E P R E V E N T I O N B U I L D I N G S W I T H A U T O M A T I C S P R I N K L E R S Y S T E M S Y E S N O N / A

F I R E E X T I N G U I S H E R S I N S P E C T E D M O N T H L Y A N D S E R V I C E D B Y C O N T R A C T O R A N N U A L L Y ?

F I R E D E P A R T M E N T C O N N E C T I O N S A R E C A P P E D A N D S E C U R E D ?

S P A R E S P R I N K L E R H E A D S A N D T O O L S A R E R E A D I L Y A V A I L A B L E A N D A C C E S S I B L E ?

S P R I N K L E R H E A D S A R E A T L E A S T 1 8 ” A B O V E S T O R E D M A T E R I A L ?

M A I N D R A I N F L O W T E S T I S P E R F O R M E D O N S Y S T E M A N N U A L L Y ?

I N S P E C T O R ’ S T E S T V A L V E I S O P E N E D A T L E A S T E V E R Y T W O Y E A R S ?

G A U G E S A R E I N S P E C T E D A N D O P E R A T E D P R O P E R L Y A S A P P L I C A B L E ?

A L A R M D E V I C E I S O P E R A T I N G A N D S O U N D S T O R E S P O N D I N G A U T H O R I T Y W H E N A C T I V A T E D ?





Recommendation





CRSA Part 7 – Municipal Liability This section will describe municipal risks.

By-Law Enforcement Government at all levels should presume they are under a legal duty of care to perform their statutory functions

responsibly. Canadian courts are clearly ready to find a duty of care to exist in almost any regulatory area where

persons who are intended to be protected by the regulatory scheme suffer physical or economic damages which

may be reasonably foreseeable as a result of careless enforcement.

Legislation and bylaws should be carefully reviewed to identify which impose a duty to conduct inspections. Be

particularly aware of legislation which imposes specific duties to regulate or supervise. Review bylaws to see if the

words imply a higher level of duty than necessary. Consider things like:

The likelihood that careless enforcement may cause harm to the person for whose benefit the regulatory

program was established

The potential for serious harm due to lack of enforcement

The degree of public reliance on the program

The accepted enforcement practices in other communities and jurisdictions

Inform staff that the community may be liable for any inspection or investigation conducted in a negligent

manner. Explain that if during an inspection, an inspector fails to discover a failure to comply with the regulations

which ought to have been able to be discovered, the community may be liable for loss suffered by a person.

Be aware that as a result of the Just decision, governments may be liable for failing to institute a system of

inspection or an adequate system of inspection which would disclose failures to comply and not only for failure to

discover a breach and subsequent failure to enforce.

Review enforcement methods. Consider things such as:

Is it reasonably foreseeable that a particular individual or group of persons may be adversely affected as a

result of failure to enforce?

Are the intervals between inspections so lengthy that the program is ineffective?

Do officials routinely negotiate with significant non-compliers without taking formal enforcement action?

Do officials routinely escalate enforcement responses in cases of persistent non-compliers?

Are public complaints responded to?

Is staff trained?

Do officials routinely permit informal variations of the rules?

Are there regulations which are never enforced?

After the review, prioritize responsibilities. The budget preparations should include a request for sufficient

funding to properly inspect and enforce. If, as a result of the budget process, inadequate resources are allocated,

re-evaluate priorities.

Record the decision making process to provide documentation that:

Senior officials had responsibility for the review


That the decisions made by council, and were based on the allocation of limited resources in the way best

designed to protect both the public interest, and any persons who may be most adversely affected by a

failure to inspect or enforce.

The courts will not lightly interfere with true policy decisions, especially when taken at a high level, which involve

financial, economic, social or political factors or constraints. But a government must now be ready to

demonstrate that balanced against the nature and quantity of the risk involved, its system of inspection and

enforcement was reasonable in light of all the circumstances, including budgetary limits, the personnel and

equipment available, and that it has met the standard of care imposed on it.

Liability for poor management practices may depend on whether there is a comprehensive compliance and

enforcement policy in effect for each regulatory program. Management should designate an officer in charge of

compliance, allow for regular reporting, provide for training and the development of manuals and procedures, a

system to deal with persistent or emergency situations, and a periodic evaluation of the program with response

to the recommendations arising from it.

While the focus is on minimum enforcement responsibilities, governments must also take care not to over

enforce by prematurely ordering, for example, the seizure or destruction of property. Civil damages for careless

enforcement could arise. The courts will consider whether the officials, on an objective re-assessment of their

actions in all the circumstances, had reasonable grounds to believe the action was necessary. The fact that an

official sought legal advice before acting may reinforce the conclusion that there were reasonable grounds to

believe the actions were necessary and proportionate.

Employee CPR Training Although the 911 emergency service is available across the province, it is still a good idea to ensure that

community employees are certified in first aid and/or CPR. According to the Occupational Health and Safety Act

there must always be at least one person at a worksite with a valid first aid certificate. The type of first aid

certificate required depends on the type of worksite and the number of employees working there. You can find

out what is required at individual worksites by checking the First Aid Regulations or by contacting the

Occupational Health and Safety Division of the Department of Labour.

Employees with such training should be identified and other employees made aware of whom in each

workplace has had such training.

Employees should also be briefed on procedures for handling emergency situations.

A well-stocked first aid kit is a necessity in any office, workplace, or site, and there should be a designated

person responsible for ensuring that these kits are regularly checked and well stocked with fresh supplies.

Sport and Recreation Liability Principles of risk management may be applied to the community sport and recreation department much like any

other department. Communities have a responsibility to provide the safest programs or events possible for

participants as well as spectators.

Suggestions for addressing risk in the area of sport and recreation including:

Develop procedures for inspection and maintenance of sports and recreation facilities and equipment

Post adequate warnings about the dangers of events and activities from the perspective of the participant

as well as the spectator


Ensure adequate supervision of all activities

Provide proper training for personnel involved in sport and recreation programs

Supply detailed instructions for the use of equipment and facilities

Ensure supervisors are made aware of any physical condition that may impair a participant in an activity

or event

Establish guidelines for safe access, security, crowd control, and emergency situations

Develop procedures for documenting and reporting accidents or mishaps and conduct follow-up

investigations

Spectators and participants need to be informed of inherent risks associated with any recreation activity or event

in order to make an informed decision to participate. Failure to warn about the safe use of sport and recreation

facilities can result in liability. The degree and detail of the warning, and the informed consent depend upon the

type of activity and the level of participation.

Clearly written, well designed signs are vital. A number of points should be considered when placing signs on

recreation facilities, or at special events:

Appropriate language: In areas where there are significant non-English speaking communities, signs

should be bilingual (in both English and the predominant language of the surrounding community).

Age appropriate: Signs in play areas should be worded so that children can recognize and understand the

message. Use of standard symbols may enhance the readability of signs for children or non-English

speaking people.

Conspicuous: Signs should be strategically placed in areas where they are most visible, and most likely to

attract attention. The higher the level or likelihood of risk involved, the more attention should be paid to

making the signs conspicuous.

Size appropriate: The size and style of the lettering used on the sign should be selected for readability.

Lettering should be simple yet bold and in a colour chosen for high contrast and visibility.

In addition, the number of signs erected should be sufficient to warn spectators and participants as they approach

all entrances to a facility in addition to be strategically placed throughout. Announcing warnings over the public

address system should also be considered prior to the event, and during any breaks in the activities. Publishing

any warning announcements in printed programs is another way of ensuring that the public is well informed of

any risks.


CRSA Part 7 – Municipal Liability

L I A B I L I T Y P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

S T A I R S , R A M P S , H A N D R A I L S

I N T E R I O R / E X T E R I O R L I G H T I N G

E M E R G E N C Y L I G H T I N G

I N T E R I O R / E X T E R I O R H O U S E K E E P I N G

S I D E W A L K S , Y A R D S , P A R K I N G A R E A S A R E W E L L M A I N T A I N E D

S N O W A N D I C E R E M O V A L

S M O K I N G

C E R T I F I C A T E S O F I N S U R A N C E

S A F E T Y P R O T O C O L S F O R R E C R E A T I O N A L S E R V I C E S

E M P L O Y E E S I N W A S T E W A T E R S Y S T E M S P R O P E R L Y T R A I N E D

Contractors

C O N T R A C T O R S Y E S N O N / A

I S T H E R E A N O P E R A T O R S E L E C T I O N P R O C E S S I N P L A C E ?

A R E T H E R E C O N T R A C T O R S A F E T Y R U L E S I N P L A C E ?

I S T H E R E O R I E N T A T I O N A N D T R A I N I N G F O R C O N T R A C T O R S ?

I S T H E R E T R A I N I N G A N D S A F E T Y P R O G R A M S I N P L A C E F O R C O N T R A C T O R S ?

I S C O N T R A C T O R E Q U I P M E N T I N S P E C T E D A N D M A I N T A I N E D ?

A R E A L L O F T H E C O M M U N I T Y ’ S O W N E D A N D / O R L E A S E D E Q U I P M E N T I N S U R E D U N D E R T H I S P O L I C Y ?

D O E S T H E C O M M U N I T Y H I R E E Q U I P M E N T A N D / O R O P E R A T O R S F O R T H A T E Q U I P M E N T ?

Roads, Sidewalks, Maintenance

R O A D S , S I D E W A L K S , M A I N T E N A N C E Y E S N O N / A

D O E S T H E C O M M U N I T Y H A V E S U M M E R A N D W I N T E R R O A D M A I N T E N A N C E A N D S T O R A G E ?

D O E S T H E C O M M U N I T Y H A V E S U M M E R A N D W I N T E R S I D E W A L K M A I N T E N A N C E ?

I S T H E R E D O C U M E N T A T I O N P R O C E D U R E S F O R A L L R O A D A N D S I D E W A L K O P E R A T I O N S ?

A R E N O N - O W N E D R O A D W A Y S M A I N T A I N E D B Y T H E C O M M U N I T Y F O R O T H E R S ?

A R E T H E R E W R I T T E N M A I N T E N A N C E L O G S ?

I S T H E R E A R O A D C O N D I T I O N C O M P L A I N T L O G ?

D O E S T H E C O M M U N I T Y P E R F O R M I T S O W N R O A D R E - P A V I N G O R R E C O N S T R U C T I O N ?

D O E S T H E C O M M U N I T Y B U I L D N E W R O A D S ?

D O E S T H E C O M M U N I T Y C O N F I R M R O A D S A R E P R O P E R L Y S I G N E D , M A R K E D , A N D M A I N T A I N E D ?

D O E S T H E C O M M U N I T Y U S E S A N D A N D / O R S A L T F O R W I N T E R R O A D M A I N T E N A N C E ?

I S S A L T A N D / O R S A N D S T O R E D I N P R O P E R L Y D E S I G N E D A N D D R A I N E D D O M E S ?

D O E S T H E C O M M U N I T Y E M P L O Y A L I C E N C E D E N G I N E E R ?

R O A D M I L E A G E ( I N K M S ) R O A D M I L E A G E – P A V E D ( I N K M S )

S I D E W A L K M I L E A G E ( I N K M S ) R O A D M I L E A G E – U N P A V E D ( I N K M S )

N U M B E R O F B R I D G E S N U M B E R O F T R A I L S ( A T V , B I K E S , E T C … )

A V E R A G E A M O U N T O F S A L T U S E D A V E R A G E A M O U N T O F S A N D U S E D

N U M B E R O F S T O R A G E L O C A T I O N S N U M B E R O F S A L T A N D / O R S A N D D O M E S

N U M B E R O F E X P O S E D S A L T / S A N D P I L E S N U M B E R O F B R I D G E S G R E A T E R T H A N 3 0 0 F T

Bridges


B R I D G E S Y E S N O N / A

D O E S T H E C O M M U N I T Y H A V E A N Y B R I D G E S U N D E R T H E I R C O N T R O L ?

D O E S T H E C O M M U N I T Y I N S P E C T T H E S E B R I D G E S A S R E Q U I R E D B Y P R O V I N C I A L M A N D A T E / L E G I S L A T I O N ?

I F Y E S , A R E T H E S E I N S P E C T I O N S D O N E B Y I N D E P E N D E N T C O N T R A C T O R S ?

D O Y O U H A V E A W R I T T E N C O N T R A C T I N P L A C E ?

D O Y O U R E C E I V E P R O O F O F G E N E R A L L I A B I L I T Y I N S U R A N C E ?

D O Y O U E N S U R E T H A T T H E M U N I C I P A L I T Y I S A D D E D A S A N “ A D D I T I O N A L I N S U R E D ” T O T H E P O L I C Y ?

D O Y O U R E Q U E S T A N D R E V I E W T H E P O L I C Y R E G U L A R L Y T O E N S U R E F O R M U N I C I P A L R E Q U I R E M E N T S ?

A R E B R I D G E C O N D I T I O N R E P O R T S D O C U M E N T E D I N W R I T I N G ?

Commercial Operations / Joint Ventures / Products

C O M M E R C I A L O P E R A T I O N S Y E S N O N / A

A R E T H E R E A N Y J O I N T V E N T U R E S O R O T H E R C O M M E R C I A L O P E R A T I O N S O R A C T I V I T I E S ?

D O Y O U S E L L O R D I S T R I B U T E A N Y P R O D U C T S ( I N C L U D I N G F O O D ) ?

D O Y O U M A N U F A C T U R E A N Y P R O D U C T S ( I N C L U D I N G F O O D ) ?

I F Y E S , A R E T H E P R O D U C T S S O L D / D I S T R I B U T E D B Y T H E C O M M U N I T Y ?

W H E N O P E R A T I O N S A R E C O N T R A C T E D O U T , D O Y O U S E E K L E G A L A D V I C E B E F O R E S I G N I N G C O N T R A C T S ?

R E V I E W C O N T R A C T S T O E N S U R E C O N T R A C T O R S D E F E N D / I N D E M N I F Y B A N D / C O M M U N I T Y I N A C I V I L S U I T ?

D O Y O U E N S U R E T H E B A N D / C O M M U N I T Y I S A D D E D A S A N “ A D D I T I O N A L I N S U R E D ” W I T H C O N T R A C T O R S ?


O R N O T E S O N S A L E S

A N D M A N U F A C T U R I N G :

D E S C R I B E B U S I N E S S

E L E M E N T S O P E R A T E D

O U T S I D E C A N A D A :

D E S C R I B E A N Y W O R K

C O N D U C T E D O F F

P R E M I S E S :

D E T A I L S O F A N Y

C O N T R A C T U A L

O B L I G A T I O N S :

D E T A I L S O F O W N E D ,

L E A S E D , C H A R T E R E D

W A T E R / A I R C R A F T :

D E T A I L S O F H O S P I T A L ,

C L I N I C , F I R S T A I D

F A C I L I T I E S :

D E T A I L S O F A N Y O T H E R

P R O P E R T Y U N D E R

C A R E / C O N T R O L :

Street Inspection and Maintenance

B R I D G E S Y E S N O N / A

D O Y O U H A V E A P R O C E D U R E T O I N S P E C T P U B L I C S T R E E T S A N D R O A D S ?

I S A N I N S P E C T I O N P R O C E D U R E E S T A B L I S H E D T O R E P A I R D E T E R I O R A T E D P A V E M E N T M A R K I N G S / S I G N S ?

D O E S P R O C E D U R E I N C L U D E B R A N C H E S , B U S H E S , E T C W H I C H M A Y O B S T R U C T T R A F F I C C O N T R O L D E V I C E S ?

I S T H E R E A P R O C E D U R E T O I N S P E C T S T R E E T S A N D D O C U M E N T A C T I O N S T A K E N ?

I S T H E R E A P R O C E D U R E F O R R E P O R T I N G C O M P L A I N T S O F S T R E E T D E F E C T S ?


I S T H E R E D O C U M E N T A T I O N O F A C T I O N S T A K E N W I T H C O M P L A I N T S ?

I S T H E R E D O C U M E N T A T I O N T H A T S U P P O R T S S T R E E T I N S P E C T I O N A N D M A I N T E N A N C E ?

Storm Sewer

S E W E R S Y E S N O N / A

I S T H E R E A N A N N U A L C A T C H B A S I N I N S P E C T I O N P R O C E D U R E ?

I S T H E R E A P R O C E D U R E F O R R E G U L A R L Y S C H E D U L E D M A I N T E N A N C E O F C A T C H B A S I N S ?

D O Y O U H A V E A M A P O F Y O U R S T O R M S E W E R A N D W A S T E W A T E R S Y S T E M ?

S E W E R B A C K U P Y E S N O N / A

I S T H E R E A S E W E R B A C K U P P R O G R A M I N P L A C E ?

I S T H E R E A R O U T I N E M A I N T E N A N C E P R O G R A M I N P L A C E ?

D O E S T H E R O U T I N E M A I N T E N A N C E P R O G R A M C O V E R T H E E N T I R E S E R V I C E A R E A ?

D O E S Y O U R R O U T I N E M A I N T E N A N C E P R O G R A M P R O V I D E F O R S P E C I A L A T T E N T I O N F O R P R O B L E M A R E A S ?

D O Y O U H A V E A P R O C E S S F O R D O C U M E N T I N G A N D T R A C K I N G R E P O R T E D I N C I D E N T S ?

D O Y O U H A V E A P R O C E D U R E F O R M O N I T O R I N G A N D G A U G I N G R A I N F A L L F O R P U M P S T A T I O N S / B A S I N S ?

D O Y O U H A V E A N O R D I N A N C E / R E Q U I R E M E N T F O R A L L C O M M E R C I A L P R O D U C E R S O F C O N T A M I N A N T S

( I N D U S T R I A L , R E S T A U R A N T S , L A U N D R O M A T S ) T O H A V E T R A P S I N S T A L L E D / I N P L A C E ?

I S T H E R E D O C U M E N T A T I O N T H A T S U P P O R T S S E W E R B A C K U P P R O C E D U R E S ?

Personal Protective Equipment (PPE)

P P E Y E S N O N / A

A R E W R I T T E N P R O C E D U R E S I M P L E M E N T E D F O R U S E O F P P E ?

D O Y O U C O N D U C T A R O U T I N E I N S P E C T I O N A N D R E P L A C E M E N T ?

W H I C H O F T H E F O L L O W I N G D O Y O U R E Q U I R E A N D I S S U E ?

R E S P I R A T O R S ?

S A F E T Y G L A S S E S W I T H S I D E S H I E L D S ?

S A F E T Y G L A S S E S ?

F A C E S H I E L D S ?

J O B S P E C I F I C G O G G L E S ?

F O O T P R O T E C T I O N ?

H E A D P R O T E C T I O N ?

G L O V E S ?

A P R O N S ?

E A R P R O T E C T I O N ?

Work Zone Traffic Conditions

W O R K Z O N E T R A F F I C C O N T R O L S Y E S N O N / A

D O A L L E M P L O Y E E S , I N C L U D I N G S U P E R V I S O R S , W E A R H I G H L Y V I S I B L E C L O T H I N G A T E A C H J O B ?

D O C R E W S F O L L O W P A R T V I O F T H E M A N U A L O F T R A F F I C C O N T R O L F O R S I G N / C O N E P L A C E M E N T ?

D O T R A F F I C R E G U L A T O R S R E C E I V E T R A I N I N G A C C O R D I N G T O M IO SH A P A R T 2 2 ?

First Aid / CPR Training

F I R S T A I D A N D CP R Y E S N O N / A

I S T H E R E A N E M P L O Y E E O N E A C H S H I F T F I R S T A N D T R A I N E D ?

A R E F I R S T A I D S U P P L I E S A V A I L A B L E ?

D O Y O U P O S T E M E R G E N C Y P H O N E N U M B E R S A N D P R O C E D U R E S ?

A R E E Y E W A S H / E M E R G E N C Y S H O W E R S W H E R E R E Q U I R E D ?

D O Y O U T E S T E Y E W A S H / E M E R G E N C Y S H O W E R S O N A M O N T H L Y B A S I S ?


Public Works / Water / Sewer / Parks and Recreation

P U B L I C W O R K S Y E S N O N / A

D O E S C O M M U N I T Y E M P L O Y / C O N T R A C T / H A V E O N S I T E

P U B L I C W O R K S

W A T E R

S E W E R

P A R K S A N D R E C R E A T I O N

D O T H E S E E M P L O Y E E S R E C E I V E T R A I N I N G I N

L O C K O U T / T A G O U T P R O G R A M

H E A R I N G P R O T E C T I O N P R O G R A M

C O N F I N E D S P A C E E N T R Y

T R E N C H I N G

P E R S O N A L P R O T E C T I V E E Q U I P M E N T ( P P E ) U S E A N D M A I N T E N A N C E ( G E N E R A L )

L A B S A F E T Y

H A N D L I N G H A Z A R D O U S C H E M I C A L S

L I C E N S E D C E U ’ S F O R S E W E R A N D W A T E R O P E R A T O R S

A E R I A L A P P A R A T U S O P E R A T I O N C E R T I F I C A T I O N

U S E O F P O W E R T O O L S

C R A N E O P E R A T I O N A N D L I C E N C E

L I F T T R U C K O P E R A T I O N A N D L I C E N C E

C D L L I C E N C E F O R T R U C K D R I V E R S

C O M P E T E N C Y B A S E D E Q U I P M E N T O P E R A T I O N S

W O R K Z O N E / T R A F F I C C O N T R O L

Recommendation





CRSA Part 8 – Automobile Community Vehicle operation is a good example of how your community can easily avoid risk situations. Taking

the time to understand the cause and effect relationship in accident prevention provides an opportunity to avoid

losses in the future.

The first priority is to ensure you have adequate insurance coverage for all vehicles owned and operated by the

community. Coverage should include liability, collision as well as vehicle replacement costs.

Accident prevention measures are an important part of a vehicle risk management program. The three areas to

address in such a plan are:

The vehicles

The people who operate them

The organization

The vehicle A good vehicle maintenance program is of prime importance and includes well organized, written records of all

maintenance and repairs undertaken on each community vehicle. Maintenance schedules outlined in your

program ideally will conform or exceed the guidelines and schedule in the vehicle’s owner’s manual. A regular

part of a vehicle’s maintenance includes keeping the vehicle clean, and in good repair. Establishing procedures for

daily ‘walk about’ checks to examine tires, lights, etc. prior to starting a vehicle may serve to avoid expensive

repairs later and may even prevent avoidable mishaps. Such procedures have the added benefit of promoting a

sense of pride and confidence not only in your employee/operator, but in the community as well, when your

vehicles are looking and performing at their optimum.

If your community employs mechanics to work on community vehicles, it is also a good idea to ensure that their

certification is kept current.

Vehicle safety is an important responsibility of local government administration. Employees and citizens rely upon

their community government to ensure that the vehicles and equipment used by community staff are well

maintained, in good repair and equipped with all the necessary features that are required for safe operation.

The people who operate them Another important aspect of this responsibility is ensuring that equipment, machinery and vehicles are operated

by reliable, safety-conscious, even-tempered and cautious drivers who acknowledge that safe vehicle operation is

an important function of their job.

A valid operator’s license is not sufficient to prevent accidents. The people you select to operate a vehicle on

behalf of the community must have good driving records. Putting a poor driver behind the wheel can be an

expensive mistake. Reviewing a driver’s past driving record and experience is essential. The best indication of how

a driver will perform in the future is how they performed in the past. If a driver has a record of minor traffic

accidents, chances are that trend will continue, at the expense of the community. The community should have a

policy regarding the use of community vehicles.

In order to reduce the opportunity for risk, professional risk managers may recommend:


Regular review of the motor vehicle records of community employees who are operating vehicles. An

applicant’s good driving record should be a prerequisite for employment.

Prospective employees can be questioned on their previous driving experience, and have their driving

record verified with the Registry of Motor Vehicles. Employees who operate community vehicles on a

regular basis should have their driving record reviewed periodically.

Provide a positive incentive for employees to develop courteous driving habits. This can be one of the

best ways to encourage safe driving. There are simple and inexpensive ways to encourage courteous

driving such as safe driving commendations, certificates and perhaps even awards such as t-shirts etc. for

commendable driving habits. Small investments such as these can boost employee morale while

encouraging good driving habits, and may even lead to gains in productivity, lower operating costs and

good relations with the community.

The organization Accidents do happen. The remedial action a community chooses to respond to an accident depends upon the

circumstances. When an employee is involved in an accident while operating a community vehicle consideration

must be given to the factors leading up to the accident. If, following a careful review of the incident, the

community vehicle is found to have been properly maintained, the driver is practicing safe driving, and the

accident can be attributed to other contributing factors such as adverse weather conditions, then remedial action

would involve no disciplinary action against the employee. If on the other hand, the incident is a result of

negligence on the part of the vehicle operator, then reprimand, suspension, dismissal, or even criminal charges

might be a more appropriate response. Check with your solicitor prior to taking these actions. Employees should

be made aware of community policy in the event of any such incident.

A community can help to prevent accidents by establishing a program of vehicle safety. All incidents involving

community vehicles should be reviewed with staff as soon as possible after the incident. Invite feedback from all

employees on how they feel the incident could have been prevented or minimized. Establishing a routine safety

program which includes employees as stakeholders helps to make them part of the solution rather than part of

the problem.

A proactive, preventive program of risk management in operation of community motor vehicles is an inexpensive

way to increase efficiency and managing costs. Keep in mind that all hazards and risks cannot be predicted, this is

not intended to be an exhaustive check list for addressing the risks involved with community vehicle operations.


CRSA Part 8 – Automobile

A U T O M O B I L E P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

P R E V I O U S E M P L O Y E R B A C K G R O U N D C H E C K O N N E W A P P L I C A N T S

D R I V E R T E S T E D O N E Q U I P M E N T T H E Y A R E R E Q U I R E D T O D R I V E

W R I T T E N R U E S O N E Q U I P M E N T O P E R A T I O N S

C V O R / C A R R I E R P R O F I L E O B T A I N E D

R E C O M M E N D A T I O N S I N D R I V E R C O N T R O L S E C T I O N

V E H I C L E S E Q U I P P E D W I T H A C C I D E N T R E P O R T I N G F O R M S / K I T S

I N S U R E D H A S O W N F L E E T M A I N T E N A N C E F A C I L I T I E S

M A I N T E N A N C E / R E P A I R S D O N E B Y O U T S I D E L I C E N S E D F A C I L I T Y

M A I N T E N A N C E F I L E S K E P T I N A C C O R D A N C E T O N SC S T A N D A R D S

D R I V E R S A B S T R A C T O B T A I N E D , C U R R E N T A N D O R I G I N A L

A U T O M O B I L E O P E R A T I O N S Y E S N O N / A

P R E V I O U S E M P L O Y E R B A C K G R O U N D C H E C K E D / C O N D U C T E D O N N E W A P P L I C A N T S ?

T Y P E O F E Q U I P M E N T P R E V I O U S L Y D R I V E N I S V E R I F I E D ?

M A X I M U M D E M E R I T S O N D R I V E R ’ S A B S T R A C T A C C E P T A B L E P R I O R T O H I R I N G ?

D R I V E R ’ S A B S T R A C T O B T A I N E D , C U R R E N T , A N D O R I G I N A L ?

R O A D T E S T C O N D U C T E D ?

W R I T T E N T E S T G I V E N ?

R O A D T E S T C O N D U C T E D B Y A Q U A L I F I E D P E R S O N ?

L E N G T H O F R O A D T E S T A D E Q U A T E ?

D R I V E R G I V E N T E S T O N T Y P E O F E Q U I P M E N T H E / S H E W I L L B E R E Q U I R E D T O D R I V E ?

D R I V E R T E S T E D O N I N S P E C T I O N R E Q U I R E M E N T S F O R P R E A N D P O S T T R I P I N S P E C T I O N ?

D R I V E R T R A I N E D / T E S T E D O N P R O P E R L O A D S E C U R E M E N T T E C H N I Q U E S ?

N E W D R I V E R ’ S R E C E I V E O R I E N T A T I O N ?

I F O W N E R / O P E R A T O R S A R E U S E D , T H E Y U S E T H E S A M E H I R I N G P R A C T I C E S ?

L E A S E O P E R A T O R C O N T R A C T A N D A G R E E M E N T I N P L A C E ?

R U L E S E S T A B L I S H I N G A C C I D E N T D E D U C T I B L E S S T A T E D I N L E A S E O P E R A T O R S C O N T R A C T ?

D R I V E R C O N T R O L S Y E S N O N / A

D R I V E R C O N T R O L S H A V E W R I T T E N R U L E S ?

D R I V E R C O N T R O L S I N C L U D E A S I G N E D R E C E I P T F O R W R I T T E N R U L E S ?

D R I V E R S A R E U N I O N I Z E D ?

D R I V E R S U S E T A C H O G R A P H S ?

D R I V E R S U S E E N G I N E S P E E D G O V E R N O R S ?

D R I V E R S U S E L O G B O O K S ?

I F Y E S , A R E L O G B O O K S M O N I T O R E D ?

D R I V E R D I S C I P L I N A R Y / R E M E D I A L A C T I O N I N P L A C E F O R N O N - C O M P L I A N C E O F R U L E S ?

A N N U A L R E V I E W O F D R I V E R S ’ R E C O R D S F O R R E P R I M A N D S , A C C I D E N T S , P R O F I L E V I O L A T O R S ?

I S T H E R E A D R U G O R A L C O H O L P O L I C Y I N P L A C E ?

C V O R / C A R R I E R P R O F I L E O B T A I N E D ?

R E C O M M E N D A T I O N S A R E L I S T E D I N T H E D R I V E R C O N T R O L S E C T I O N ?

A U T O M O B I L E S A F E T Y P R O G R A M S Y E S N O N / A

D O E S T H E S A F E T Y P R O G R A M I N C L U D E S A F E T Y M E E T I N G S ?

D O E S T H E S A F E T Y P R O G R A M H A V E A S S O C I A T E M E M B E R S ?

A R E T H E R E S A F E T Y I N C E N T I V E S W I T H T H E P R O G R A M ?

A R E T H E S A F E T Y P R O G R A M S A D E Q U A T E F O R T H E T Y P E O F O P E R A T I O N S ?


A U T O M O B I L E A C C I D E N T C O N T R O L S Y E S N O N / A

V E H I C L E S A R E E Q U I P P E D W I T H A C C I D E N T R E P O R T F O R M S O R K I T S ?

A C C I D E N T S A R E R E V I E W E D T O D E T E R M I N E I F P R E V E N T A B L E ?

D R I V E R S / S U P E R V I S O R S H A V E A C A M E R A T O T A K E P H O T O S A T A C C I D E N T S C E N E S O R O F D A M A G E ?

A C C I D E N T R E G I S T E R W H I C H D E T E C T S P A T T E R N S A M O N G D R I V E R S , V E H I C L E S , O R C O N D I T I O N S ?

R E M E D I A L N O T I C E F O R P R E V E N T A B L E A C C I D E N T / I N C I D E N T P L A C E D I N D R I V E R S F I L E ?

A C C I D E N T C O N T R O L S A R E A D E Q U A T E F O R T H E T Y P E O F O P E R A T I O N ?

A U T O M O B I L E M A I N T E N A N C E Y E S N O N / A

I N S U R E D H A S O W N F L E E T M A I N T E N A N C E F A C I L I T I E S ?

I S T H E R E A W R I T T E N P R E V E N T A T I V E M A I N T E N A N C E S C H E D U L E I N P L A C E ?

D A M A G E D R E A R U N D E R - R I D G E G U A R D S A R E R E P A I R E D A T T R A I L E R D E A L E R / A U T H O R I Z E D S H O P S ?

R E F E R U N I T S H A V E A P R E V E N T A T I V E M A I N T E N A N C E S C H E D U L E I N P L A C E ?

T R I P I N S P E C T I O N R E P O R T S A N D E V I D E N C E O F R E P A I R S I S R E C O R D E D ?

M A I N T E N A N C E / R E P A I R S C O N D U C T E D U N D E R S A F E W O R K I N G C O N D I T I O N S ?

C O N D I T I O N O F F L E E T E Q U I P M E N T I S A D E Q U A T E ?

M A I N T E N A N C E F I L E S A R E K E P T I N A C C O R D A N C E W I T H N SC S T A N D A R D S ?

C A R R I E R P R O F I L E / C V O R R E V I E W E D A T T I M E O F V I S I T A N D I N S P E C T I O N ?

D R I V E R S Y E S N O N / A

D R I V E R F I L E S A R E K E P T I N A C C O R D A N C E T O N A T I O N A L S A F E T Y C O D E S T A N D A R D S ?

D R I V E R F I L E S A R E K E P T I N A C C O R D A N C E T O U SF M C S A F E T Y R E G U L A T I O N S ?

A D E Q U A T E H I R I N G A N D T R A I N I N G P R A C T I C E S I N P L A C E ?

A D E Q U A T E D R I V E R S A F E T Y C O N T R O L S I N P L A C E ?

A D E Q U A T E A C C I D E N T C O N T R O L S I N P L A C E ?

M O T O R V E H I C L E M A N A G E M E N T Y E S N O N / A

D R I V I N G R E C O R D S C H E C K E D ?

E N S U R E A F F E C T E D E M P L O Y E E S C O M P L Y W I T H C D L R E Q U I R E M E N T S ?

R A N D O M D R U G T E S T S C O N D U C T E D ?

I S T H E R E A P L A N A D D R E S S I N G M O T O R V E H I C L E O P E R A T I O N S ?

D O E S T H E P L A N C O N T A I N :

M A N A G E M E N T P O L I C Y

M A N A G E M E N T A N D S U P E R V I S O R Y A C C O U N T A B I L I T Y

E Q U I P M E N T S P E C I F I C T R A I N I N G

A C C I D E N T R E P O R T I N G , R E V I E W , A N D R E C O R D K E E P I N G

C O R R E C T I V E A C T I O N S

P R E - U S E V E H I C L E I N S P E C T I O N S

Recommendation





CRSA Part 9 – Water, Wastewater, Landfill, Environmental This section will provide commentary on decommissioned and operating waste disposal sites and water works.

Years of use

Any approvals or inspections by MOE etc. (if yes review last report)

Identify any soil or ground water testing programs

Types of waste accepted at site(s), monitoring capabilities, overburden applied

Recycling programs and capabilities will be described

Hazardous waste handling and disposal programs

List all storage tanks and indicate above or below ground, age, size, construction and commodity stored.

Testing/inspection frequency and protection

Waste treatment facilities description, holding ponds, lagoons etc.

Golf course or Works Department use of herbicides and pesticides and highlight amounts, how stored

and credentials of applicators

Road spraying for dust, type of materials used

List any exposures resulting from the operations of an Airport, Bus Depot or Medical facility

Describe exposures and handling of used oils, fuels etc. at Works garages

Describe use of waste oil heating systems

Describe any Land Use Agreements and the potential exposures from lumbering, mining or power

generation

Confirm if there are there Hold Harmless agreements in place with all operators

Water treatment capabilities, inspection and testing responsibilities

All surveys will include a summary of the unlicensed equipment operations including but not limited to:

Operator Selection

Safety Rules

Employee Orientation and Training

Equipment Classification

Safety Training Programs

Equipment Inspection & Maintenance


CRSA Part 9 – Water, Wastewater, Sewage, Landfill, Environmental

Environmental

E N V I R O N M E N T A L P O O R F A I R A V E R A G E G O O D E X C E L L E N T N / A

W R I T T E N E N V I R O N M E N T A L P R O G R A M – G E N E R A L

W R I T T E N E N V I R O N M E N T A L P R O G R A M – R E S I D E N T I A L O I L T A N K S

W R I T T E N P R O C E S S F O R E M E R G E N C Y E V A C U A T I O N S

C H E M I C A L U S A G E P R O T O C O L S A R E C U R R E N T A N D I N P L A C E

W A S T E D I S P O S A L S I T E H A S W R I T T E N P R O T O C O L S

F U E L O I L S T O R A G E T A N K S A R E M A I N T A I N E D ?

W R I T T E N P O L I C Y C U R R E N T A N D I N P L A C E

E N V I R O N M E N T A L O P E R A T I O N S Y E S N O N / A

D O C O M M E R C I A L O P E R A T I O N S I N C L U D E M I N I N G A N D L O G G I N G ?

T H I R D P A R T I E S U S E R E S E R V E L A N D S I N C L U D I N G R A I L W A Y S A N D H I G H W A Y S ?

T H I R D P A R T I E S U S E W A S T E D I S P O S A L S I T E W R I T T E N P R O T O C O L S ?

A N Y B O D I E S O F W A T E R W I T H I N 5 K M S O F W A S T E D I S P O S A L S I T E ?

D O E S T H E C O M M U N I T Y H A V E A F U L L Y C O M P U T E R I Z E D W A T E R S Y S T E M ?

D O C O M M E R C I A L O P E R A T I O N S I N C L U D E M I N I N G A N D L O G G I N G ?

Water / Wastewater

W A T E R W A S T E W A T E R O P E R A T I O N S Y E S N O N / A

I S T H E R E A W A S T E W A T E R T R E A T M E N T P L A N T ?

A R E T H E R E L I F T S T A T I O N P U M P S ?

D O E S T H E C O M M U N I T Y O N L Y C O L L E C T W A S T E W A T E R , N O T T R E A T ?

G A L L O N S O F P O T A B L E W A T E R ( A N N U A L L Y ) P O T A B L E W A T E R S Y S T E M C A P A C I T Y

S O U R C E O F P O T A B L E W A T E R H O W O F T E N P O T A B L E W A T E R I S T E S T E D

H O W O F T E N W A S T E W A T E R I S T E S T E D

D E T A I L S O N H O W W A T E R I S T R E A T E D

L I S T O F C H E M I C A L S U S E D T O T R E A T W A T E R

Solid Waste Collection (Garbage)

S O L I D W A S T E C O L L E C T I O N Y E S N O N / A

D O E S T H E C O M M U N I T Y O W N , O P E R A T E , O R M A I N T A I N A N Y L A N D F I L L S I T E S ?

D O E S T H E C O M M U N I T Y O W N , O P E R A T E , O R M A I N T A I N A N Y D U M P S I T E S ?

D O E S T H E C O M M U N I T Y O W N , O P E R A T E , O R M A I N T A I N A N Y R E F U S E S I T E S ?

D O E S T H E C O M M U N I T Y O W N , O P E R A T E , O R M A I N T A I N A N Y S A N I T A T I O N ( S O L I D W A S T E ) S I T E S ?

D O E S T H E C O M M U N I T Y O W N , O P E R A T E , O R M A I N T A I N A N Y I N C I N E R A T O R O P E R A T I O N S ?

A R E T H I R D P A R T I E S O R N O N - C O M M U N I T Y M E M B E R S P E R M I T T E D T O U S E W A S T E D I S P O S A L S I T E S ?

A R E A N Y S I T E S K N O W N T O B E M E T H A N E G A S P R O D U C E R S ?

I F YE S , A R E T H E R E A N Y G A S C O L L E C T I O N A N D / O R D I S P E R S A L S Y S T E M S I N P L A C E A T E A C H S I T E ?

D O M E S T I C W A S T E Q U A N T I T Y ( T O N E S / Y E A R ) I N D U S T R I A L W A S T E Q U A N T I T Y ( T O N E S / Y E A R )


Insect and Weed Control

I N S E C T C O N T R O L O P E R A T I O N S Y E S N O N / A

D O E S T H E C O M M U N I T Y U S E C H E M I C A L S P R A Y F O R I N S E T S ?

I F YE S I S A N O U T S I D E C O N T R A C T O R U S E D ?

C O N T R A C T O R :

G A L L O N S U S E D T Y P E O F C H E M I C A L A C R E S T R E A T E D

W E E D C O N T R O L O P E R A T I O N S Y E S N O N / A

D O E S T H E C O M M U N I T Y U S E C H E M I C A L S P R A Y F O R W E E D S ?

I F YE S I S A N O U T S I D E C O N T R A C T O R U S E D ?

C O N T R A C T O R :

G A L L O N S U S E D T Y P E O F C H E M I C A L A C R E S T R E A T E D

Residential Heating Oil Tanks

S O L I D W A S T E C O L L E C T I O N Y E S N O N / A

D O E S T H E C O M M U N I T Y U S E H O M E H E A T I N G O I L ?

A R E I N S T A L L A T I O N S D O N E B Y P R O F E S S I O N A L S ?

A R E T A N K L E G S U N S T A B L E O R O N A N U N E V E N F O U N D A T I O N

R U S T , W E E P S , W E T S P O T S , O R E X C E S S I V E D E N T S O N T A N K S U R F A C E S ?

A N Y D R I P S O R S I G N S O F L E A K A G E A R O U N D T H E O I L F I L T E R O R V A L V E S ?

D O O I L L I N E S R U N E I T H E R U N D E R C O N C R E T E , O R A B O V E G R O U N D , W I T H O U T P R O T E C T I V E T U B I N G ?

A R E T H E R E A N Y T H R E A T S O F S N O W O R I C E F A L L I N G O N T H E O I L T A N K O R T H E O I L F I L T E R ?

A N Y S I G N S O F T H E T A N K ’ S V E N T B E I N G C L O G G E D O R B L O C K E D B Y I C E O R S N O W ?

A R E S C R E E N E D V E N T S A V A I L A B L E T O P R E V E N T I N S E C T N E S T P R O B L E M S ?

I S T H E O V E R F I L L W H I S T L E O B S T R U C T E D O R S I L E N T W H E N T H E T A N K I S B E I N G F I L L E D ?

A R E T H E R E A N Y S I G N S O F S P I L L S A R O U N D T H E P I P E ?

I S T H E T A N K ’ S G A U G E C R A C K E D , S T U C K , O R F R O Z E N , O R I S T H E R E A N Y O I L S T A I N I N G A R O U N D I T ?

I S T H E T A N K M O R E T H A N 1 0 Y E A R S O L D ?

I S T H E T A N K A D A R K C O L O U R ? ( L I G H T C O L O U R S M I N I M I Z E C O R R O S I V E C O N D E N S A T I O N )

Environmental – Mould

E N V I R O N M E N T A L Y E S N O N / A

A R E A L L B U I L D I N G S ( C O M M E R C I A L A N D R E S I D E N T I A L ) R E G U L A R L Y I N S P E C T E D F O R M O U L D ?

I F Y E S , A R E T H E F O L L O W I N G A R E A S R E G U L A R L Y C H E C K E D :

T O P S O F W A L L S A N D C E I L I N G S

B A S E O F W A L L S A N D C E I L I N G S

W I N D O W S A N D W I N D O W F R A M E S

D O O R S A N D D O O R F R A M E S

T R I M O N W A L L S A N D C E I L I N G S

F U R N I T U R E

C L O T H I N G

D U C T S A N D HV A C S Y S T E M S I N C L U D I N G D R Y E R A N D S O F F I T V E N T S

B A T H R O O M S A N D O T H E R S H O W E R / B A T H T U B A R E A S I N C L U D I N G V E N T S A N D E X H A U S T F A N S

C L O S E T S A N D S T O R A G E A R E A S I N C L U D I N G C A B I N E T S

C R A W L S P A C E S

K I T C H E N A N D C O O K I N G A R E A S I N C L U D I N G V E N T S A N D E X H A U S T F A N S

W A T E R A R E A S – B E N E A T H S I N K S , W A T E R T A N K S

B A S E M E N T S


L A U N D R Y A R E A S ( I N C L U D I N G I N S I D E W A S H E R / D R Y E R )

F L O O R I N G ( I N C L U D I N G B E N E A T H C A R P E T I N G A N D R U G S , F L O O R T I L E S , H A R D W O O D )

A T T I C A R E A

R O O F ( I N T E R I O R A N D E X T E R I O R )

B U I L D I N G E X T E R I O R

F O U N D A T I O N C R A C K S

A R E A L L B U I L D I N G S C H E C K E D R E G U L A R L Y F O R G R A D I N G / S L O P E T O A V O I D W A T E R D A M A G E ?

A R E A L L B U I L D I N G S C H E C K E D R E G U L A R L Y F O R L E A K S / M O I S T U R E P R O B L E M S ?

Recommendation





CRSA Rating Summary and Recommendations AIS will use this classification to better differentiate the terms and conditions that the underwriters are prepared

to offer. The Risk Scoring Plan will distinguish between three risk classifications and categories depending upon

historical losses, construction quality, fire protection, community risk management, and safety awareness.


CRSA Rating Summary AIS will use this classification to better differentiate the terms and conditions that the underwriters are prepared

to offer. The Risk Scoring Plan will distinguish between three risk classifications and categories depending upon

historical losses, construction quality, fire protection, community risk management, and safety awareness.

Rating Exposure by Category

G E N E R A L I N F O R M A T I O N M A X 1 0

H U M A N E L E M E N T / M A N A G E M E N T A T T I T U D E M A X 1 0

C R I M E M A X 1 0

P R O P E R T Y E X P O S U R E M A X 1 0

C A T A S T R O P H I C P E R I L S M A X 1 0

F I R E D E P A R T M E N T R A T I N G M A X 1 0

M U N I C I P A L L I A B I L I T Y M A X 1 0

A U T O M O B I L E M A X 1 0

W A T E R , W A S T E W A T E R , L A N D F I L L , E N V I R O N M E N T A L M A X 1 0

T O T A L M A X 9 0

Client Rating

O P I N I O N O F R I S K :

A T T I T U D E T O W A R D S S U R V E Y :


CRSA Recommendations

Critical Recommendations

Critical recommendations represent conditions or work practices that create an immediate and severe loss-

producing situation. They are serious enough to affect the overall fire safety of the community. Deficiencies of

this nature require immediate attention by the insured, with either full compliance or reasonable mitigation of

exposure prior to AIS Loss Control leaving the community, or within a few days depending on the circumstances.

R E C O M M E N D A T I O N

C L I E N T R E S P O N S E

D E T A I L S

R E C O M M E N D A T I O N


D E T A I L S


Important Recommendations

Important recommendations represent conditions or work practices that could result in a loss producing

situation, but for which immediate action is not necessary. These are recommendations to correct uncontrolled

exposures or to achieve and maintain a reasonable level of property protection. These recommendations require

commitment on the part of the insured to change or modify conditions or work practices in order to reduce the

potential for serious loss, resulting from either frequency or severity events. These recommendations may involve

significant capital expenditure to comply.

R E C O M M E N D A T I O N 1


D E T A I L S

R E C O M M E N D A T I O N 2


D E T A I L S


Significant Observations

These observations should include the attitude of community to the survey and any other positive notes. Please

detail if they have identified any preferred contractors for emergency repairs, and/or if there is a plan to

temporarily house residents if houses burn down (or make recommendations if there is no plan).

D E T A I L S

New Projects

Advise on any new construction or purchases that will add to the safety of the community.

D E T A I L S

Other Observations

Note other proactive and positive observations such as police and/or other communities nearby.

D E T A I L S

Account Engineer / Loss Control Contact


P H O N E E M A I L

risk management manual -...

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