Viewing posts categorised under: News

Consultant Spotlight – Scott Dunwiddie

Posted June 10, 2019 by Erin

We understand the cost of claims, and we work with our clients to minimize the various exposures. Our in house claims department serves as an advocate for our clients on issues such as coverage, self-insured retentions, and document production. This department provides multi-party or one-on-one consultation related to the investigation, reserving, subrogation and timely settlement of the client’s claims. We work with our clients to evaluate their claims reporting processes to mitigate losses and aggressively adjudicate claims.

Let’s get to know Scott Dunwiddie through this Fast Five Q&A!

How did you get your start in Insurance?
When I was in my last year of law school, there was a job posting for an insurance claims adjuster handling Employee Dishonesty, Theft, Forgery, etc. claims, and they were seeking attorney applicants. Up until that time I hadn’t considered working in the insurance industry, but it sounded like interesting work. I was fortunate to get the job, and over the course of those early years I had several great mentors that helped me learn about policy construction, claims best practices, claims strategy, and loss control in addition to many other aspects of insurance.

Why is Risk Management important to you?
I’ve seen so many examples of horrific accidents over the years that had devastating effects on the individuals and businesses involved. Most, if not all, of these accidents could have been prevented.

What do you feel is your greatest strength as a Risk Management professional?
My ability to analyze a scenario or process to help determine root causes, exposures, and solutions.

What are the top 3 things a trucking company should focus on to improve their risk management efforts?

  • Creating a Safety & Claims Committee with members from different areas of the company that has full support of ownership/upper management. Have the committee review any incident, no matter how minor, for root cause analysis and submit suggestions for improvement to ownership/upper management.
  • Creating a comprehensive Safety Plan and written procedures that are regularly reviewed and updated.
  • Regular, detailed training for all staff on safety and other company procedures. Keep records of the training on file, including dates of training, topics, and who attended.

Why are you proud to work for Cline Wood, a Marsh & McLennan Agency?
We value learning every aspect of our clients’ businesses, and develop lasting relationships with our clients. We also have many years of experience, and care about helping our clients prevent losses.

 

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

Consultant Spotlight – Steve Page

Posted June 10, 2019 by Erin

Whether it be mentoring, educating or advocating, our risk consulting team is ready to work hands on with our clients to tailor our services to their insurance and risk management needs. Our team understands the risk, safety, loss prevention and claims support needs that your company has and can work with you to develop a strong safety culture to help you succeed in the current transportation industry.

Let’s get to know Steve Page through this Fast Five Q&A!

How did you get your start in Transportation? 
In 1981 when conventional wasn’t cool, back when you had to stop and find a phone to call and we dispatched without a computer and used an atlas. I began this transportation journey as a tractor trailer parts manager at a local trucking company.

Why is safety important to you?
Trucking and Trucking Safety are two of the most crucial jobs in the world, because without safe pickup and delivery of freight our world would come to a halt. Yet Trucking and Trucking Safety are probably two of the riskiest businesses you can be in due to so many variables.

What do you feel is your greatest strength as a Risk Consultant?
Knowledge of the Transportation business beyond compliance, due to my years of experience as a safety director with a trucking carrier.

What are the top 3 things a trucking company should focus on to reduce risk and improve their safety culture?

  • Creating a Safe Culture that sets you above the others
  • Live the Safety Culture you promote
  • Coach, Teach, Coach

Why are you proud to work for Cline Wood, a Marsh & McLennan Agency?  
We are able to help our clients move up to the next level in safety culture, where they want to be. We’re also able to show safety underperformers what they are missing by setting the bar for and sharing benefits of their next level of safety culture. Carefulness costs you nothing, Carelessness costs lives.

 

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

 

Consultant Spotlight – Kenny Ray

Posted June 10, 2019 by Erin

Whether it be mentoring, educating or advocating, our risk consulting team is ready to work hands on with our clients to tailor our services to their insurance and risk management needs. Our team understands the risk, safety, loss prevention and claims support needs that your company has and can work with you to develop a strong safety culture to help you succeed in the current transportation industry.

Let’s get to know Kenny Ray through this Fast Five Q&A!

How did you get your start in Transportation? 
As the son of a lifelong OTR driver, I have been in and around the industry my entire life.  My Dad taught me to drive a truck as a teenager. Up until a few years ago I held a Texas Class A CDL with every endorsement including HazMat and passenger. I entered the profession full time as a Texas State Trooper enforcing CMV regulations and conducting DOT Audits in 1987.

Why is safety important to you?
I have investigated hundreds of traffic crashes and witnessed firsthand the devastation resulting from unsafe acts and equipment. I am totally committed to reducing or eliminating that devastation.

What do you feel is your greatest strength as a Risk Consultant?
Making a measurable difference for a trucking company through high quality training and by providing comprehensive regulatory guidance and assistance.

What are the top 3 things a trucking company should focus on to reduce risk and improve their safety culture?

  • Safety must be a bedrock principle, not a priority.
  • Policies must be sound and be followed.
  • Quality training can make a positive difference.

Why are you proud to work for Cline Wood, a Marsh & McLennan Agency?  
We genuinely care about our clients and are committed to bringing value to their trucking operations.

 

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

 

 

National Safety Month – Hazard Recognition

Posted June 6, 2019 by Erin

As part of National Safety Month, we at Cline Wood, a Marsh & McLennan Agency, are highlighting key aspects of safety that you can incorporate into your existing safety program. Below are links to three safety-focused articles that expand upon principles of hazard recognition, and what can be done to not only identify exposures early on, but also to reduce or even eliminate these exposures before a serious injury or accident occurs.  As one source put it: “It’s usually the most obvious things that you miss”… “The things you walk past a thousand times and never realized they’re an issue – that’s what this is. That’s what we’re training people not to do. That’s part of the reason we feel like we’re really onto something.”¹

 

The Hierarchy of Controls

 ‘Seeing’ Safety in a New Way

 Recognizing Hidden Dangers

 

¹ Source: https://www.safetyandhealthmagazine.com/articles/17952-seeing-safety-in-a-new-way (Safety+Health Magazine on 1/27/19 by Barry Battino, accessed 6/5/19)

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

June is National Safety Month

Posted May 31, 2019 by Erin

 

 

At Cline Wood, a Marsh & McLennan Agency, it’s our mission to partner with you in ensuring your drivers are safe, accident-free, and avoid costly claims that can have a major impact on both your drivers and your business.

 JUNE IS NATIONAL SAFETY MONTH, and the National Safety Council is providing several free materials that we strongly encourage you to share with your drivers and incorporate into your safety training.  All you need to do is click on the link below, answer a few questions, and then you will have access to the free, downloadable safety materials. 

 We appreciate all your safety efforts!

 Click Here to Get NSC Safety Materials

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

The “Top 5 Stable Crash Predictors” for truck drivers

Posted May 20, 2019 by Erin

The “Top 5 Stable Crash Predictors” for truck drivers, according to analysis performed by the American Transportation Research Institute (ATRI) are:

  1. A past crash;
  2. An improper lane/location conviction;
  3. A reckless/careless/inattentive/negligent driving conviction;
  4. An improper/erratic lane changes conviction; and,
  5. An improper lane change violation.

ATRI, a research organization affiliated with the American Trucking Associations, conducted three, large-scale ‘Predicting Truck Crash Involvement’ studies since 2005, and these top 5 stable crash predictors were identified as common, crash-predictive behaviors in each of the three studies. Go here to obtain ATRI’s latest crash predictor study: https://truckingresearch.org/2018/07/31/predicting-truck-crash-involvement-2018-update/

 

Originally Published by Scopelitis Transportation Consulting, LLC May 15, 2019. https://www.scopelitisconsulting.com/the-top-5-stable-crash-predictors-for-truck-drivers/

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Tough Winter Leads to Challenging Spring

Posted April 26, 2019 by Erin

Several ranchers have just faced one of the roughest and most challenging winters in recent years.  As a result of the dicey winter, producers are now facing an unfavorable spring.

The cold and wet conditions that were present during the winter have led to thinner-than-normal cows. When discussing those conditions, Justin Waggoner, a beef systems specialist with K-State Research and Extension, said, “…both of those [cold and wet] increase the energy requirements of the cows.” It takes more energy stores for a cow to do any of their normal, daily activities in the mud than it would if they were on dry ground. When talking specifically about the impact of the cold weather, Waggoner notes, “When those temperatures drop below 18 degrees, we can see a pretty dramatic increase in energy requirements.” [1]

When producers are trying to maintain body condition in their herd, it is helpful to focus on the protein and energy need. Waggoner explained that protein sources were usually well covered by supplementation, but quality energy sources can often be lacking. To rectify that concern, high-fiber sources of energy can often be a producer’s strongest bet. Producers are currently dealing with a hay supply that is both tight and expensive. As a result, concentrated nutrition sources – like range cubes or dried distillers grain – could play a major role in benefiting the health of producers’ herds.[1]

If a producer is unable to maintain or improve the body conditioning of their cattle, they may want to consider culling a little more aggressively than usual during this season of their operation. If you are looking for additional ways to ensure the success of your operation, let Cline Wood, a Marsh & McLennan Agency help. Our team takes pride in understanding the Agribusiness industry and the unique insurance needs these operations require. We partner with our clients to provide a comprehensive safety and risk management program specific to your needs. We look forward to answering any questions you may have regarding coverage for your commercial business, email or call us today.

 

Resources:  [1] Kansas State University Research And Extension. (2019, April 3). Tough Winter Leads to Challenging Spring for Kansas Cattlemen. Retrieved from Drovers: Driving the Beef Market: tough-winter-leads-challenging-spring-kansas-cattlemen

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

 

It’s Time to Stop Distracted Driving!

Posted April 26, 2019 by Erin

It’s no surprise that distracted driving is currently at its worst on our nation’s highways. Distracted driving incidents come up every day on the highways and interstates, but now regular occurrences are even in city streets, parking lots and neighborhoods – and April is National Distracted Driving Month!

Just count the times in the last two days you found yourself really frustrated with someone so distracted with some type of electronic device that you would have liked to really awaken them to how soon their lives, the lives of loved ones, or others on the road, could be drastically impacted!

Included (here) is a link to a video I would like you to watch. WARNING: CONTAINS GRAPHIC FOOTAGE. Some may have seen this before.  When you watch things like this, distracted driving and fatigue clearly come to mind.  This crash changed numerous families’ lives as well as the driver.  And it all could have been prevented!

Nowadays, as I find myself with many miles behind a windshield, I look for several things when approaching a tractor trailer –  just to test how distracted people in our industry might be. As I approach the tractor trailer I try to stay back a distance to set my pace and check the driver’s speed, the driver’s professionalism and how well they are controlling their vehicle in the conditions around them.  There are many that do a fantastic job and make me proud to be a safety advocate of the transportation industry.  However, there are staggering percentages on the road today that disappoint me, and make a bad name for the rest of the professional truck drivers who do an excellent job of maintaining safety best practices on the road.

So how do we fix this problem that is taking so many lives each day on our nation’s highways?

I know as you read this article, you are thinking: “I don’t have this problem”.  Well, unfortunately we all have this problem. If you really are truthful with yourself and look at the many things we all do while driving a tractor trailer, or even your personal car down the highway, street, or across the parking lot you would scare yourself.

Distractions are everywhere and in every facet of life. Whether it be visual, audible, mental, eating or even emotional distractions. These are the leading distractions in most findings of crashes as we fail to react to our surroundings in a timely manner.

Even more shocking is that many distracted driving accidents were with drivers 40 years of age or older. So we can’t just blame the younger drivers.

Distractions inhibit one’s ability to perceive hazards and react properly in time. The most common distractions for drivers are cell phones, passengers, eating/drinking, day dreaming, and objects outside the vehicle – like road signs. Turning one’s attention away from driving for any of these distractions, even for a few seconds, eliminates the ability to react properly to hazards and can lead to a severe crash.

Stopping distance is calculated by multiplying current speed (MPH) times 1.5. The result is feet traveled per second (FTS). For example, a tractor-trailer traveling at 65 MPH travels approximately 100 feet per second (65 x 1.5 = 97.5 FTS). At this speed, one can travel the length of a football field (300 ft.) in just a few seconds. 

A lot of bad things can happen in that time if you are not completely focused on the road ahead and around you.  So in this day and time, when we are given all these great electronic tools and devices and our lives have become so busy that we feel forced to accomplish multiple tasks every waking hour, how do we stop this cycle?

By reducing your distractions behind the wheel!

  • Plan ahead – You should review your trip in detail before leaving and program your GPS accordingly if you use one. If adjustments are needed in your route, pull off the highway onto an on ramp or lot and enter a new destination, or review your map before resuming your trip. If you are still having trouble call your fleet manager or night/weekend operations and they can assist you in finding what you are looking for!  If you own a smart phone install the Google Earth app, but again ONLY use it when stopped.
  • Be mentally and emotionally sharp – Get adequate rest before you head out and never rely on caffeine or other energy drinks. Avoid heavy meals and exercise regularly to boost energy and relieve stress.  We know family and personal issues are very difficult to leave outside of your truck, but try to leave those to non-driving times. Schedule call times with your family, and should your family call while driving ask them if you can call back at a safer time. We recommend while driving to not answer calls, text or pick up a hand held device for any reason.
  • Good rules of thumb to help with self-discipline:
    • Keep devices out of reach – out of sight and out of mind keeps the distractions at bay.
    • Voicemails are there for a reason – to allow you to call someone back. Most all calls can be returned once you are parked in a safe location.
    • Turn on your device auto messaging to “I’m driving right now”.
  • Be attentive to the road ahead – Keep your eyes on the road and only make quick glances to mirrors. Do you ever see a quarterback in the middle of a play stare at the side line? Well if they do it only takes one time and that’s when a 380lb linebacker does a ground check on them!  Also, when hazards are present, such as bad weather and construction zones, slow down and leave extra distance or find a safe place to park until conditions or traffic around you improves.

We want you back home safely with your family at the end of your trip and enjoying your time with them!

Many of you have worked very hard throughout your career at this point to not have been in/involved in an accident, and at Cline Wood, a Marsh & McLennan Agency, our hats are off to you because you have followed your personal rules and not allowed yourself to get distracted!

So please continue to be safe and don’t let distracted driving destroy the career you’ve worked so hard to achieve!

 

Good judgment calls and decisions will bring you many safe miles!

Steve Page

Risk Consultant

 

Media Source: [Broadbent, Alex]. (2017, July 18). Semi-Truck Plows Into A Line Of Cars [Video File]. Retrieved from https://youtu.be/Dei1B1n_c6Q

 

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Grain Bin Safety Week 2019 – Fires and Explosions

Posted February 22, 2019 by Erin

The grain handling industry is a high hazard industry where workers can be exposed to numerous serious and life threatening hazards.  Sparks and molten material in excess of 1000’ F can easily ignite nearby flammable materials, liquids or atmospheres resulting in a fire and/or explosion with potentially catastrophic consequences.  To educate employers, employees and the public about safety in the grain handling industry, Grain Bin Safety Week is held February 17-23, 2019.

Follow these guidelines when hot work is performed:

  • Wear appropriate Personal Protective Equipment (PPE) and/or clothing to minimize the potential for burns, trapped sparks and electric shock
  • Utilize fire watches during hot work operations
  • Don’t clean while performing hot work
  • Don’t allow machinery or equipment to be operated or grain to be dumped nearby hot work operations
  • Install a designated fire watch for 30 minutes at the completion of hot work. It’s a good practice to inspect hot work area periodically thereafter and once more before closing

To download a PDF of this information to share with your team, click HERE.

For more information visit www.grainbinsafetyweek.com

 

Source: https://www.nationwide.com/agribusiness-risk-management-options.jsp

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Grain Bin Safety Week 2019 – Lock Out Tag Out

Posted February 21, 2019 by Erin

The grain handling industry is a high hazard industry where workers can be exposed to numerous serious and life threatening hazards.  Grain bin safety starts with maintaining grain quality in storage, which means learning and  practicing better stored-grain quality management,  while closely monitoring grain condition.  If you can prevent grain spoilage, you may be able to eliminate the leading cause of bin entry.  To educate employers, employees and the public about safety in the grain handling industry, Grain Bin Safety Week is held February 17-23, 2019.

Before entering a bin, all mechanical, electrical,  hydraulic and pneumatic equipment, which presents a danger to workers inside grain storage structures, must be de-energized and disconnected; locked out and tagged; blocked off or otherwise prevented from operating by other equally-effective means or methods.  Discharge augers must be disconnected from power, locked out and tagged; and loading augers powered by  a Power Take-Off (PTO) must be shut off and disconnected to eliminate the possibility of someone turning on the auger while someone else is in the bin.

Whenever workers perform service or maintenance on machinery or equipment, they must isolate that equipment from all energy sources.  Workers must use an energy-isolating locking device to lockout equipment, or place a tagging device on it, according to established and documented procedures.

To download a PDF of this information to share with your team, click HERE.

For more information visit www.grainbinsafetyweek.com

 

Source: https://www.nationwide.com/agribusiness-risk-management-options.jsp

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Marsh & McLennan Agency LLC shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as consultants and are not to be relied upon as actuarial, accounting, tax or legal advice, for which you should consult your own professional advisors. Any modeling analytics or projections are subject to inherent uncertainty and the analysis could be materially affective if any underlying assumptions, conditions, information or factors are inaccurate or incomplete or should change.

Copyright © 2019 Cline Wood.