FBD Insurance Perspective

Transcription

1 MANAGING RISK ON THE FARM Seminar for Horticulture Producers FBD Insurance Perspective Stewart Gavin FBD, Agricultural Lines Product Manager & Underwriting Manager (Farm & Business) Ciaran Roche, FBD Risk Manager

2 Managing Risk Why - Viability of insurance costs - Ability to source insurance - Control the cost You can control the controllable

3 Portfolio Management Insurance Portfolio s - Existing Business clients - New Business clients

4 Insurance Tips Employers Liability - Annual wage roll up date - Breakdown you wage roll ( Clerical, Managerial, General operatives ) - Obtain details from your accountant if necessary

5 Insurance Tips Public / Products Liability - Turnover - Split turnover into various business lines if multiple commodities or supplies Specific details will allow underwriters to evaluate and subsequently rate more intuitively.

6 Claims - Claims inflation - Claims Culture Ireland - Claims Cost ( Investigation, Legal cost, Admin costs, claimant settlement or defences )

7 Claims Culture Claims Culture Workforce - Seasonal employees - Mix of workforce - Nature of employees activities - Opportunities for advancement / promotion - Uncertainty Contracts, Future, Brexit - Long term plans - Mix of family or relations in work force

8 Risk Management Introduction - Employers Liability Claims - Competent Employees - Risk Management - Paper Trail - Slips/Trips/Falls - Manual Handling - Machine Guarding - Work At Height - Vehicles

9 Employers Liability Claims - Slips / Trips / Falls - Manual Handling - Machinery - Falls Form Heights

10 Competent Employees Recruitment policy - Having an effective recruitment policy is a crucial part of managing health and safety. - It is critical that all new employees you select are reliable, trustworthy, competent and medically fit to carry out the work they are employed to do (Medical Fitness to Work). - - It is always worth taking time and due care when selecting new employees. - Good employees are a huge asset, but unsuitable employees can be detrimental to a business. With this in mind, it is important that the company has a robust interview process and that pre-employment medicals and medical questionnaires are used as appropriate to confirm an employee s medical fitness to work. -

11 Competent Employees Recruitment policy - Consider for instance, that it is not uncommon to see claims for a back injury as a result of an employee aggravating a pervious or underlying injury during a manual handling operation. - - Qualifications and reference should be verified and checked to ensure that potential employees have the appropriate competence, qualifications and work ethic. - Working contracts should be put in place so as to clarify company expectations, working conditions, disciplinary procedures and employee obligations. - All employees should be given induction training on their first day at work and this should include the communication of the Safety statement.

12 Trends and Patterns in Occupational Health and Safety in Ireland, May 2015 Report, produced by the ESRI came up with the following conclusions: 1. Job experience is also an important predictor of injury risk. Adjusting for exposure, the report found that the rate of injury for those with a job tenure of one month or less was 16.8 per cent, compared to a rate of 2.4 per cent for those who had a tenure of over five years. 2. Employees with tenures of less than six months were four times more likely to have experienced a workplace injury that those with a tenure of over five years. 3. The odds of injury decrease with age. A lower injury risk for older workers may be due to greater job experience, lower risk-taking and to a selective reduction in involvement in heavy manual tasks. 4. Longer hours of work are associated with a higher probability of both injury and illhealth. 5. Highly variable working hours were also linked to higher injury and illness risks. 6. Those working shift patterns and those working at night were more likely to experience both injury and illness.

13 Specific consideration should be given to seasonal & part-time employees.

14 Why is a Good Risk Management Policy so Important? 1. It will help prevent accidents from occurring. 2. It will be used as a key component in defending claims.

15 Effective Risk Management Involves - Policy - sets clear commitment, objective, responsibilities, procedure for the organisation. - Planning - identify risks - control measures. - Implementation & Operation - Checking & Corrective Action - monitor performance, using accident reports etc. - Management Review - new legislation, new technology, new structure

16 Paper Trail (essential for fighting claims) - Safety Statement / Risk Assessments - Consider Language Barrier - Managers / Supervisors / Safety Officer - Supervision & Enforcement - Reward Safety Performance - Accident & Incident Report Books / Files - Safety Signs - Training, PPE - Safety Audits & Checklist - Camera Images

17 Risk Assessment - Identify every hazard, associated risks and appropriate control measures. - Complete a risk Safety Statement and ensure it is communicated to all employees and that they sign off on it. The S.S. must be updated at least annually.

18 General Principles of Prevention (Hierarchy of Controls) - 1. The avoidance of risks The evaluation of unavoidable risks The combating of risks at source The adaptation of work to the individual, especially as regards the design of places of work, the choice of work equipment and the choice of systems of work, with a view, in particular, to alleviating monotonous work and work at a predetermined work rate and to reducing the effect of this work on health The adaptation of the place of work to technical progress The replacement of dangerous articles, substances or systems of work by safe or less dangerous articles, substances or systems of work The giving of priority to collective protective measures over individual protective measures The development of an adequate prevention policy in relation to safety, health and welfare at work, which takes account of technology, organisation of work, working conditions, social factors and the influence of factors related to the working environment The giving of appropriate training and instructions to employees.

19 Supervision & Enforcement - Safety Audits should be carried out on a regular basis (use checklists). - Supervision and enforcement of all Safe Operational Procedures is essential.

20 Main Causes of Slip, Trip & Fall Accidents - Wet Surfaces / Slippery Surfaces (e.g. toilet area) - Poor Housekeeping / Cleaning Procedures - Poor Condition of Surfaces - Poor Lighting - Poor Design of Steps, Stairs & Ramps (not compliant with Technical Guidance Document Part K of the Building Regulation)

21 Manual Handling Manual handling and ergonomics - By definition, manual handling is any transporting or supporting of a load by one or more employees, and includes lifting, putting down, pushing, pulling, carrying or moving a load, which by reason of its characteristics or unfavourable ergonomic conditions, involves risk, particularly of back injury, to employees. - - Manual handling can cause serious injuries in the form of Musculoskeletal disorders (MSDs) if not carried out safely. MSDs are conditions affecting the musculoskeletal system and can present in the tendons, muscles, joints, blood vessels and/or nerves of the limbs and back. Symptoms may include pain, discomfort, numbness and tingling in the affected area and can differ in severity from mild and periodic, to severe, chronic and debilitating conditions. - - In addition, Repetitive strain injuries (RSIs) are very common where repetitive work is carried out at poorly designed stations of work.

22 Manual Handling Managing the Hazard - Eliminating manual handling where practically possible and reducing manual handling to a minimum where this is not practical. - Providing lifting equipment (forklifts, pallet trucks, trolleys, conveyors, lifts, etc.) - Reducing the weight of goods being handled. - Organising work in a manner that reduces the manual handling effort (smaller distances over which goods need to be carried, placing heavy products at waist level, storing products in a manner so as to avoid awkward posture). - Carry out Ergonomic Risk Assessments at stations of work where repetitive tasks are carried out. The aim of these assessments is to reduce bending, twisting and other repetitive movements. Rotating employees between working repetitive tasks also plays an important role in minimising risk.

23 Manual Handling - Ergonomic Design

24 Machine Guarding - Safeguards are essential for protecting workers from needless and preventable injuries such as crushed hands and arms, severed fingers, and blindness. - Accidents usually result from a combination of factors that includes both hazardous machine condition and careless human actions. The intent of machine safeguarding is to minimize the risk of accidents from machineoperator contact.

25 Machine Guarding - Employees must be trained in the safe operating procedures of each machine they operate. - Employees must be made aware of the hazards, risks and safety control measures for each machine. - Where practically possible all moving parts must be guarded. - At points where machine parts can not be guarded, warning signs must be placed on the machine. - Warning signs must also be placed on machinery guards. - Most modern day machines have protection devices fitted such as interlocks (It is important that the these devices are audited on a regular basis.) - Many old machines need to be modified to make them safe as safety standards have improved over the years. This work must be carried out by a competent person) - Check for CE marking

26 Guards -General Requirements - Robust - Not give rise to additional risk - Not easy to by-pass - Located at an adequate distance from the danger zone - Cause minimum obstruction to the view - Enable maintenance work to be carried out without removal of the guard

27 Guard Types - Fixed - Moveable - Adjustable

28 Fixed Guards

29 Movable Guards

30 Adjustable Guards

31 Protection Devices - Interlock switch - Light Curtain - Pressure sensitive pads - Two handed controls

32 Interlock Switch

33 Light Curtain

34 Pressure Sensitive Pads

35 Two Handed Controls

36 Machine Lock Out & Tag Out Procedures Lockout-tagout (LOTO) or lock and tag is a safety procedure which is used in industry and research settings to ensure that dangerous machines are properly shut off and not able to be started up again prior to the completion of maintenance or servicing work. It requires that hazardous energy sources be "isolated and rendered inoperative" before work is started on the equipment in question. The isolated power sources are then locked and a tag is placed on the lock identifying the worker who has placed it. When two or more workers are working on different parts of a larger overall system, the locked-out device is first secured with a folding scissors clamp that has many padlock holes capable of keeping it closed. Each worker applies their own padlock to the clamp.

37 Engineering Solution Note the physical guard, the interlock guard, the switch to turn off the interlock guard, the emergency stop control, the moveable machine controls and the foot pedal controls.

38 Work at Height Hierarchy for working at height - The hierarchy for managing work at height must be adhered to: - 1. Avoid working at height where this is reasonably practicable Use appropriate work equipment or other measures to prevent falls where you cannot avoid working at height (e.g. a cherry picker) Where you cannot eliminate the risk of a fall, use work equipment or other measures to minimise the distance and consequences of a fall (e.g. a safety harness). Managing the hazard - It is essential that: - all work at height is properly planned, organised, supervised and carried out safely; - the place where work at height is done is safe; - all work at height takes account of weather conditions; - those involved in work at height are instructed and trained; - equipment for work at height is appropriately inspected; - the risks from fragile surfaces are properly controlled; and - injury from falling objects is prevented

39 Unsafe Construction

40 Work at Height - Construction & Maintenance

41 Traffic Management & Vehicle Safety - Vehicle accidents are the main cause of workplace fatal accidents. With this in mind a formal traffic management plan should be drafted and implemented. - Components of the traffic management system may include a written plan, traffic plans, defined traffic routes, traffic marshalling, safety barriers, warning signage, traffic markings, defined car parking areas, defined loading and unloading areas, pedestrian pathways and crossing points, concave mirrors, speed limits, etc.

42 Fire Prevention & Risk Control A fire prevention and risk control strategy for a building is made up of 3 essential measures: 1. Passive fire safety controls 2. Active fire safety controls 3. Management fire safety controls - General Controls - Administration Controls Each of these elements must be adequately implemented for a fire prevention strategy to work efficiently and effectively.

43 Conclusion - Don t leave safety to chance - Make it your responsibility to eliminate hazards and reduce risk (and therefore the likelihood of accidents). - Management must ensure that a strong safety culture prevails throughout their staff force. - Employ competent staff train them adequately. - Maintain the premises in good physical condition and ensure that good housekeeping procedures are followed. - Implement a comprehensive risk management system and enforce it and police it strictly.

44 Questions????????