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Best Practice Standards for General Liability

Best Practice Standards for General Liability. Presented by: Hettrick, Cyr & Associates, Inc. Loss Control Services for the RCCS, LLC Insurance Captive Program. Safety Managers. RCCS, LLC. HC&A. Owners. Loss Control Committee. The Selection Process Goes Full Circle.

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Best Practice Standards for General Liability

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  1. Best Practice Standards for General Liability Presented by: Hettrick, Cyr & Associates, Inc. Loss Control Services for the RCCS, LLC Insurance Captive Program

  2. Safety Managers RCCS, LLC HC&A Owners Loss Control Committee The Selection Process Goes Full Circle RCCS, LLC Managers’ approve three of the five Best Practice Standards. Remaining two are tabled. HC&A developed five categories of General Liability Topics to be discussed at Safety Managers’ Meeting. Topics were selected from suggestions from within the captive & review of captive loss runs. Safety Managers’ & Guests broke up into randomly selected groups to discuss their topic, and develop a list of Best Practice Standards to be recommended to Loss Control Committee. A subcommittee (Dave, Denise, & Scott) held conference calls to select the Top 5 GL Best Practice Standards. Subcommittee takes into account that there must be a means for HC&A to document compliance with the GL Best Practice Standards during onsite safety evaluations. The Loss Control Committee approves the Top Five Best Practices to be presented at the March Managers’ Meeting in Las Vegas. HC&A provides information back to the Safety Managers’ on the three new General Liability Best Practice Standards that the safety managers’ must implement by November 1, 2006.

  3. The Top 5 GL Best Practice Standards

  4. The Three New GL Best Practices: • Documenting Pre-existing Water Infiltration and Property Damages on reroofing projects. • Developing a written emergency response plan for water infiltration / fire damages. • Conducting OSHA 10-hour Training for foremen and lead personnel. Implementation Date is November 1, 2006

  5. Documenting Pre-existing Damages • Members shall be responsible for performing a pre-construction inspection to document any existing signs of water infiltration and/or property damages. • Pre-construction inspections shall be required for all Commercial and Residential Reroofing Projects. • The information on the documented inspection report shall be acknowledged by the project’s primary contact, and be maintained in the project file. • Documentation shall include photographs or video of existing damages.

  6. What Should You Be Inspecting? • The interior of the building for: • Existing signs of water infiltration • Asbestos containing building materials that may be damaged or disturbed during reroofing operations • Existing damages to the roof membrane, including access/egress routes and material storage areas • Other:__________________________________________________________ • The exterior of the building for: • Damaged pavement, sidewalks, loading docks, and steps • Landscaping, including grass, shrubs, trees, etc. • Pavers or patio stones, that are not being removed and replaced, which may be exposed to damages via access, material storage, or overhead material handling. • Other:___________________________________________________________

  7. Written Emergency Response Planning • Gallagher Bassett – Claims Management for the RCCS, LLC Captive – is currently interviewing water/fire damage remediation and restoration contractors. • The goal is to use the buying power of the captive to leverage rates and response times.

  8. OSHA 10-Hour Training • All Foreman and Lead Personnel shall have completed the OSHA 10-hour Course on the Construction Standards. • Foremen and Lead Personnel shall be aware of safe work practices required by other trades, how to identify unsafe work conditions, and how to handle corrective actions. • Foreman and Lead Personnel who currently possess a OSHA 10-hour or 30-hour card are considered to be in compliance.

  9. Tabled GL Best Practice Standards • Subcontractor Agreements– including the minimum amount of liability coverage. • Nightly Tie-In / Roof Penetration Evaluation Program

  10. Subcontractor Agreements & Limits of Liability Insurance • Discussion focused on the transfer of liability and the minimal amounts of coverage required: $500,000 or $1,000,000. • The Managers’ wanted the opportunity to review the limits of liability on the certificates of insurance submitted by their current subcontractors, and read the language in their subcontractor agreements. • The Managers’ voted to table this Best Practice Standard. This Best Practice Standard was transferred to the Underwriting Committee for further review by the Managers’ on 03/29/06.

  11. Nightly Tie-In / Penetration Inspections • Initial discussion focused on developing a training program on how to perform a proper tie-in for the various roofing membrane systems. • The training content would be developed by Roofing Foremen for Roofing Foremen. • Each member would be required to perform an nightly inspection on each foreman a minimum of two times per year. • Loss Control Committee agrees that a more frequent inspection schedule would be difficult to achieve as nightly tie-ins are performed at the end of the work shift only.

  12. Questions, Comments, Corrections?

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