Tri-State Employer Services

1. Tri-StateEmployer Services “Your Complete Outsourcing Employers Solution” Loss ControlisCost Control A Safety Management Presentation By Tri-State’s Risk Management Department

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

3. Tri-State Risk Management • Vision Statement The vision of the Risk Management Department is to: • continually improve services to our organization and client companies, • protect human, physical and financial assets and resources, • help maintain a safe and healthy work environment, • assist and educate others in meeting regulatory compliance-related responsibilities, and • promote a risk-conscious climate in a manner consistent with the mission and vision of Tri-State Employment Services, Inc., its affiliated companies and our client companies.

4. Tri-State Risk Management Industry Types Serviced: Assisted Living Homes Offices Auto Mechanics Painters Car Dealerships Physician Offices Carpentry Printing Ops. Construction Restaurants Day care Centers Retail Stores Hospitals School Bus Ops. IT Specialists Trucking Janitorial services Warehouse Ops. Manufacturing And many more…

5. Tri-State Risk Management • Is your business at risk ? • Human Resources, e.g., retrain/replace employees • Fixed assets, e.g., damage to equipment/material • Continuity of operations, e.g., investigate incident • Market position, e.g., delayed deliveries • Regulatory compliance, e.g., OSHA, DOT, SEC • Financial stability, e.g., decreased revenue /increased expenses • Liability, e.g., corporate / personal responsibility • Image to employees & public, e.g., news articles, SEC investigations, and competitors derogatory statements

6. Tri-State Risk Management • Management’s Safety Misconceptions • Internal conditions • It never happened before! Why do anything? • We’re OK. We have insurance coverage. • Our Insurance Carrier will not increase our costs or cancel our policy! • Our company’s Experience Modification will not be impacted! • We don’t have time to implement safety policies and procedures! • It always happens to the next guy!

7. Tri-State Risk Management • Management’s Safety Misconceptions (continued…) • Production Priorities • No time or manpower to get safety things done • No time for safety meetings; training, etc. • Senior management will not support safety policies and procedures • Safety policies and procedures will cost to much $$$$$ • The “Law” does require companies to implement safety policies and procedures

8. Tri-State Risk Management • Direct Worker’s Compensation Components • Medical Expenses (Unlimited) • Disability / Indemnity (Statutory Limits) • Temporary Total • Permanent Total • Temporary Partial • Permanent Partial • Death Benefits (Statutory Limits) • Rehabilitation Benefits (Statutory Limits) • Benefit Administration • Legal Costs (Coverage “B”) • Defense Costs

9. Tri-State Risk Management • Indirect losses • Down time – other employees assisting injured employee, time and expense to investigate accident, and potentially lower employee production performance • Replacement and training of injured employee(s) – additional overtime expense and or learning curve for new employees • Damaged material and equipment • Decreased production goals • Delayed delivery • Potential loss of customers • Loss of profit/sales • Increased expenses • OSHA fines

10. Tri-State Risk Management • Indirect losses (Continued…) • There are as many as 100 ways indirect loss is incurred with each accident. • Total Indirect Loss = 4 to 10 x Total Direct Loss The proof is too costly and time consuming to learn from experience

11. Tri-State Risk Management • Human behavior control • Stress importance of safety as a way of doing the job – Management MUST lead by example. • Establish and enforce safety rules and regulations • Provide awareness and training • Diligent managerial supervision • Unsafe act inspections (Job Safety Analysis) • Consider incentive, award / reward

12. Tri-State Risk Management • Loss Control Services Include: • Developing or increasing the effectiveness of safety program elements • e.g., Company Policies and Procedures, Accident • Investigations and self inspections • Safety committee roles and activities • Early Return to Work Program or Modified / Transitional Duty Positions

13. Tri-State Risk Management • Loss Control Services:(Continued) • Accident Investigation • Accident Trending • Unsafe Acts/Conditions • Accident Loss Leaders • NOTE: Too many accident investigation reports falsely show the main cause to be “employee carelessness.”

14. it's the law! Tri-State Risk Management • Loss Control Services:(Continued) • Regulatory Compliance • Occupational Safety & Health Administration (OSHA) www.osha.gov (home page) • Department Of Transportation (DOT)www.dot.gov (home page) • California Division of Occupational Safety and Health(DOSH)or Cal/OSHA http://www.dir.ca.gov/dosh/EnforcementPage.htm • Environmental Protection Agency (EPA)www.epa.gov (home page) • And more…

15. Tri-State Risk Management • Hazard Assessment: Inspection and Evaluation Procedures • On-site facility surveys • Life Safety (NFPA 101) • Machine Guarding (OSHA 1910.212)Point of Operation Guards (OSHA 1910.217) • Personal Protective Equipment (OSHA 1910.132) • And more…

16. Tri-State Risk Management • Specialized Surveys • Ergonomics • Industrial Hygiene, Indoor Air Quality • Occupational Health • OSHA-Type surveys • And more…

17. Tri-State Risk Management • Assist in developing effective safety program elements: • Emergency Action Plan (OSHA 1910.38) • Disaster Recovery • Bloodborne Pathogens (OSHA 1910.1030) • Violence in the Workplace (OSHA 5(a)(1)) • Hazardous Waste Operations and Emergency Response Standard (OSHA 1910.120) • Hazard Communication (OSHA 1910.1200) • Confined Spaces Policy (OSHA 1910.146) • Respiratory Protection Policy(OSHA 1910.134)

18. Tri-State Risk Management • Assist in developing effective safety program elements(Continued…) • Hearing Conservation Program (OSHA 1910.95) • Stairway and Ladder Safety Fall Protection • Forklift Operation • Scaffolding/Aerial Lift Safety • Excavation Safety • Hot Work Safety Policy • Electrical Safety • CPR & First Aid • Driver Safety Policy • And more…

19. Tri-State Risk Management • Emergency Action Plan OSHA Subpart E: 29CFR1910.38(a)  Authority and responsibility  Early warning (alarms) and communications  Emergency response plan / evacuation  Designated evacuation team – trained  Rescue; medical duties - designated employees

20. Tri-State Risk Management • Training Methodology • Classroom Lecture • Videotape • Computer, CD • Webinars • News Letters • Professional Publications

21. Tri-State Risk Management Let’s do it ! Let’s contact Tri-State now! Loss Control is Cost Control!

22. Tri-State Risk Management • Contact Us • Phone: 212-619-0160 • Fax: 212-619-1611 • Phillip Bok, CPCU, CWCP, CFSA, CIPA, APA, ARM Vice President of Risk Management & Insurance Operations • pbok@tristatepeo.com • Marvin Tricanowicz, Loss Control Manager • mtricanowicz@tristatepeo.com “Your Complete Outsourcing Employers Solution”