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Presented By:Ed MacDonaldLoss Control ManagerRisk Management ServicesMaine Municipal Association

MRWA•Risk Management

•Protection of Assets•Resources

MAINE MUNICIPAL ASSOCIATIONRisk Management Services

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Management Plan

Financial Management

Budget Preparation

Includes: Risk Management

Protection of WorkersProtection of physical assets (inventory

and keep records) Protection for LiabilityContinuity and Integrity of operations

(service)

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Workers Comp – Is Required by Maine Law

Premium is based on payroll, class codes and loss experience.

Experience MODLess than 1.0 is desirable

Loss RatioLess than 60% is desirable

Frequency vs. Severity

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Property & Contents & Other Coverages

Buildings & Appurtenant Structures

Contents

Boiler & Machinery ( B&M)

Mobile Equipment (Equip & Machinery that goes to worksite)

Fleet

EDP (Electronic Data Processing)

LiabilityPOL (Public Officials Liability)

Cyber Liability (New)

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Insurance Sources Commercial Self-Insurance

Self/TPA administered Group Self-Insurance

Advantages – Stable premium, services, dividends

MMA – A Membership Association

(Not a state agency) MeWEA is an Affiliate Member We work cooperatively with MRWA, MWUA,

NNS&H Council, SafetyWorks! and others.

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MMA-Risk Management Services (RMS)

Member Services Underwriting Claims

P&C and WC Loss Control

Loss Control Department Overview 7 Staff – Assigned Geographically Experience – 100+ years

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What Does LC Do?For Members:

a) Hazard inspections

b) Training

c) Consulting (policies, procedures, risk management questions)

Internal:d) Property Surveys

e) Marshall & Swift evaluations (property values)

f) Identify high risk exposures – The eyes and ears of underwriting.

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Maine Department of Labor Compliance

Inspections are unannouncedCan result in citations ($$$)

SafetyWorks!Website resources“Ask the expert”Consulting – industrial hygieneSHAPE

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Insurance Inspection vs. MDOL Inspection: MDOL is focused on employee safety

only. Insurance provider will look at lines of

coverage (example: property and liability exposures).

MDOL vs. OSHA

MDOL – public sector OSHA – private sector

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Compliance Directive: Water/Wastewater Written Programs

Respiratory protection program Confined space Hazard communicationsBlood borne pathogens/exposure control

planLockout/Tagout (In-house maintenance on

vehicles)Hazard assessment for personal protective

equipmentEmergency action plan for facilityHearing conservation program

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Required Training Hazard communications (initial) Confined space (initial) Confined space simulated rescues (annual) Lockout/Tagout (initial) Hearing conservation (initial and annual) Emergency action plan (initial) Blood borne pathogens (initial and annual) Fire extinguisher (annual) Forklift (initial and an evaluation every three years) Ladders (initial) Work-zone safety and flagging (initial) Trenching and excavation (initial) Personal protective equipment (initial) Respiratory protection (initial and annual) Training commensurate with duties

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Records MaintainedConfined space permit(s) for one yearLockout /Tagout program inspection (annual)Blood borne pathogens (Hepatitis shots/waivers) Tabulated data for trench box(s)Inspection data for lifts and hoistsRespiratory medical clearances Respirator fit test (specific to mask type) OSHA 300 injury/illness log Training records

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Equipment Inspections Ladders Slings, straps and chains Power and hand tools (safe condition) Lifts and hoists Personal protective equipment – (safe condition) Fire extinguisher (monthly) Fire extinguisher (annual maintenance check) Eye wash stations (operational and unobstructed) Respirators per mfg. recommendations Vehicle lifts (annual) Jacks – periodic inspection Jack stands (if damaged) Metering equipment calibration (per manufacturer) Welding equipment – covers and lead terminals Welding equipment – damaged leads Welding equipment – damaged Electrode Holder Storage of acetylene/oxygen cylinders Cylinders protected against damage Air compressor relief valve (per manufacturer) Sander body storage racks (load rated)

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Facility Inspection Electrical outlets & switches – cover plates installed GFCI receptacles in wet locations and operable Extension cords – temporary use only Power strips – (not piggybacked) Electrical ground pins in place Electrical branch circuits labeled Electrical box knockout and breaker covers in place Electrical panels accessible Wiring supported and protected from damage Stairs, treads and railings – safe condition Ladders safe condition Floor loading protection (overhead storage) Furnace, boiler room and storage – housekeeping Exits unlocked and useable Exit signs in place and proper size Exit and exit discharges clear of snow and ice Exits and exit routes free and unobstructed Emergency and exit lights, alarms and fire doors operational Machine guarding of moving parts Eye-wash stations (operational and unobstructed) Flammable & combustible storage l Housekeeping & sanitation

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Grants/Scholarships Since 1999 $3.3 million May & October

Online Training Partnership with FirstNet Learning. 50+ courses

offered. No cost to members. Since October 2004 more than 19,000 users have

taken more than 110,000 courses. Some courses may be accepted by DEP/JETCC for

CONT. ED credits. (up to 6 of required 18 can be safety)

Safety Shorts

Best Practices

Other Resources:

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Loss Control/Risk Management Program

Treat as an important part of management equal to everything else.

Starts at the top but must involve employees at all levels.

To make it work you must understand it, practice it and promote it! Needs positive involvement and visibility.

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- Sources for Help -SafetyWorks!

Maine Department of Labor

45 State House Station

Augusta, ME 04333

207-623-7900

Email: general.bls-safetyworks@maine.gov

Website: www.safetyworksmaine.com

Maine Municipal Association

Risk Management Services

Loss Control Department

60 Community Drive

PO Box 9109

Augusta, ME 04332-9109

207-626-5583

Website: www.memun.org

Best Practices – Safety Shorts – Online Training – Grants/Scholarships

NNE Health & Safety Council

405 Western Ave #317

South Portland, ME 04116

207-85-8441 or 888-396-2047

Fax: 207-222-0105

Website: www.shcnne.org

Office of State Fire Marshal

52 State House Station

Augusta, ME 04333

207-626-3870

Email: webmaster_fmo@maine.gov

Website: www.maine.gov/dps/fmo/index.htm