Viewing posts categorised under: Risk Management

National Safety Month – Impairment

Posted June 28, 2019 by Scott Dunwiddie

 

The Scope of the Problem

Each year in the United States, over 10,000 people die in alcohol-impaired driving crashes, accounting for almost 30% of all traffic-related deaths. Of the over 1,200 traffic deaths among children ages 0 to 14 years, approximately 17% involved an alcohol-impaired driver.1 According to the Center for Disease Control (CDC), “Drugs other than alcohol are involved in about 16% of motor vehicle crashes.” As more states relax or eliminate criminal laws against marijuana use, traffic incidents involving marijuana-impaired drivers have increased. Approximately 13% of all nighttime, weekend drivers have measurable amounts of marijuana in their system. Marijuana users were about 25% more likely to be involved in a crash than drivers with no evidence of marijuana use, however other factors such as age and gender may account for the increased crash risk among marijuana users.2 In addition to crash involvement, more than 1 million drivers are arrested for driving under the influence of alcohol or narcotics in the U.S. each year.

At-Risk Drivers

At all levels of blood alcohol concentration (BAC), the risk of being involved in a crash is greater for young people than for older people.3 Among drivers with BAC levels of 0.08% or higher involved in fatal crashes each year, over one-fourth (26%) were ages 21 to 24 and nearly three in ten (27%) were between 25 and 34 years of age.4

Crash studies have revealed that a significant percentage of motorcyclists are riding while impaired. Among motorcyclists killed in fatal crashes each year, approximately 25% had BACs of 0.08% or greater.5 Further, the CDC found, “Motorcyclists ages 35-39 have the highest percentage of deaths with BACs of 0.08% or greater.”6

In addition to young adults and motorcyclists, drivers with prior driving while impaired (DWI) convictions often demonstrated impaired driving behaviors. In fact, according to the CDC, “Drivers with a BAC of 0.08% or higher involved in fatal crashes were 4.5 times more likely to have had a prior conviction for DWI than were drivers with no alcohol in their system. (9% and 2%, respectively)”.7

Preventing Deaths and Injuries from Impaired Driving8

Effective regulatory measures to reduce the incidence of impaired driving include:
• Actively enforcing existing BAC laws, minimum legal drinking age laws, and zero tolerance laws for drivers younger than 21 years old.
• Requiring ignition interlocks for all offenders, including first-time offenders.
• Using sobriety checkpoints.
• Putting health promotion efforts into practice that influence economic, organizational, policy, and school/community action.
• Using community-based approaches to alcohol control and DWI prevention.
• Requiring mandatory substance abuse assessment and treatment, if needed, for DWI offenders.
• Raising the unit price of alcohol by increasing taxes.

Effective personal measures to reduce the incidence of impaired driving include:
• Whenever your social plans involve alcohol and/or drugs, pre-plan so that you don’t have to drive while impaired.
• Before drinking, designate a non-drinking driver when with a group.
• Don’t let your friends drive impaired.
• If you have been drinking or using drugs, get a ride home, use a rideshare service or call a taxi.
• If you’re hosting a party where alcohol will be served, remind your guests to plan ahead and designate their sober driver.
• If you’re hosting a party, offer alcohol-free beverages, and make sure all guests leave with a sober driver.

Sources: https://medlineplus.gov/impaireddriving.html
https://www.cdc.gov/MotorVehicleSafety/Impaired_Driving/impaired-drv_factsheet.html (All endnotes)

Opioids and the Workforce

Clearing the Air on Marijuana

Opioids in the Workplace: What Employers Need to Kn

National Safety Month – Fatigue

Posted June 20, 2019 by Erin

In the commercial transportation world, competition for business is fierce and trucks are often running day and night to meet deadlines.  An unfortunate consequence of these irregular working hours on trucking company employees, and drivers in particular, is fatigue.  According to David Lombardi, a research scientist at the Liberty Mutual Research Institute for Safety, “Fatigue is an increasing health and safety problem in our daily lives due to the 24-hour society with decreasing emphasis on sleep….” ¹

Effects of fatigue include:

  • Slower reaction time
  • More errors
  • Decreased cognitive ability
  • Decreased sleep quality
  • Moodiness
  • Decreased metabolism and cardiovascular health ²,³

For a trucking company, that can be a scary proposition and result in a much greater probability of catastrophic highway accidents, injuries and fatalities.

So, what can be done to help reduce the effects of fatigue?

According to the National Sleep Foundation and NIOSH (National Institute for Occupational Safety and Health), shift workers/drivers should:

  • Try taking a walk right before the shift starts – ideally in daylight, which can be a stimulant
  • Drink beverages with caffeine in them, such as coffee and soda, during the first half of the shift
  • Take short breaks during the shift and move around
  • Have several consecutive hours of off-duty time each day
  • Be educated on the effects of fatigue, how to avoid fatigue, and available resources 4

For more valuable insight on fatigue, please click on the article links below.  We at Cline Wood, a Marsh & McLennan Agency, appreciate your dedication to safety!

1,2 Fatigue and Worker Safety. Trotto, S. (2017, February 26). Retrieved June 18, 2019, from https://www.safetyandhealthmagazine.com/articles/15271-fatigue-and-worker-safety

3,4 Shift Worker Health and Safety Druley, K. (2018, December 20). Retrieved June 18, 2019, from https://www.safetyandhealthmagazine.com/articles/17852-shift-worker-health-and-safety

NSC: 70% of Workers are Tired on the Job

 

National Safety Month – Slips, Trips & Falls

Posted June 10, 2019 by Erin

National Safety Month – Slips, Trips and Falls in the Trucking Industry

According to the Occupational Safety and Health Administration (OSHA), most incidents in general industry, including trucking, involve slips, trips, and falls. Such incidents cause 15% of all accidental deaths, and are second only to motor vehicles as a cause of fatalities.  Many professional truck drivers are injured each year, and some are killed, as a result of slips, trips and falls.

Slips happen when there isn’t enough friction or traction between a person’s feet and the surface they are walking on. Common causes of slips include walking on wet or oily surfaces, loose or unanchored mats, and flooring that lacks the same degree of traction in all areas.  In the trucking industry common areas of slips include offices, shops, trailer floors, tank ladders and tractor steps.

Trips happen when a person’s foot strikes an object, causing them to lose balance. Workers trip due to a variety of reasons, including clutter in walkways, poor lighting, uncovered cables, drawers being left open, wrinkled carpeting or rugs and uneven walking surfaces.  Common areas for trips in the trucking industry include offices, shops, trailer floors, parking lots and unpaved yards.

Falls occur after someone has slipped or tripped and they tumble to the ground or to a lower surface.  OSHA notes that the majority (67%) of falls happen on the same level resulting from slips and trips. The remaining 30% are falls from a height such as from a trailer floor, loading dock, tank ladder or cab of tractor to the ground.

The staff at RoadKing recommends the following tips for professional truck drivers to eliminate or reduce the frequency and severity of injuries caused by trips, slips and falls:

  • Wear appropriate footwear with good foot and ankle support and slip-resistant soles and heels.
  • Face forward and always use the three points of contact when climbing onto or down from a vehicle.
  • Keep tools, gloves, brushes, fire extinguishers, etc., in their proper places and out of the cab entry/exit path.
  • Observe walking surfaces, looking for any holes, raised elevations, slippery or slick surfaces, obstructions, etc. Use extra caution in adverse conditions, such as snow, ice, rain and mud.
  • When walking around a truck at night, always use a flashlight.
  • Never jump off freight, vehicles or loading platforms.
  • Watch out for “bad housekeeping” such as loose materials, trash, discarded shrink wrap, cargo bars, broken pallets, clutter, etc. on loading docks, parking lots, terminals, etc.
  • Use extreme caution securing/loosening a load on a flatbed.
  • When inside bodies and trailers, be alert for slippery spots and loose material.
  • Because loading docks and ramps are dangerous areas:
    Be conscious of uneven surfaces between the truck/trailer bed and the dock or ramp. Ensure that dock plates/ramps are properly placed. Be careful on dock plates/ramps that are worn smooth or may be slippery. When walking along a loading dock or through a warehouse, be aware of powered material handling equipment.
  • Always check to make sure your truck is finished being loaded/unloaded and that any and all vehicle-restraining devices have been removed before pulling out.
  • Move cautiously and deliberately because inattention, fatigue, stress and haste can increase the risk for a slip, trip or fall. ¹

 

OSHA’s Top 10 Most-cited Violations

Prevent Same-level Slips, Trips and Falls

Flooring Standards and Fall Prevention

 

 

Sources:
¹ https://www.roadking.com/truckers/avoid-trips-and-falls/ (Road King Magazine on 1/1/17 by Warren Eulgen, accessed 6/7/19)
https://www.osha.gov/oshstats/work.html

 

 

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.

 

 

Celebrating 35 Years As Your Risk Partner

Posted June 10, 2019 by Erin

In May of 1984, our agency started with the premise to provide superb service with its insurance products to its customers. We think today, these ideals still stand and then some.

Over the last 35 years, as the transportation industry has gone through shifts and changes, our agency has been right there with it, adjusting, adapting and learning how to navigate the market. We know transportation, and we speak the language.

 

 

Through the years of market changes, we have gained experience and knowledge that has helped us to develop a unique offering of safety, claims and risk management strategies and personnel to help you meet your coverage needs.

Our custom insurance solutions set us apart from the competition in successfully meeting the distinctive needs of the transportation market. Knowing the risk issues of your business is one of the key elements of delivering our signature services and solutions.

We are very proud of, and excited about the team of Risk Consultants we’ve assembled to help educate and guide our clients regarding safety best practices. To meet them and learn more about their safety offerings Click Here.

Thank you for trusting us to be your partner!

Here are several ways learn more about our agency and offerings:

 

 

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.

Meet Our Claims & Risk Consulting Team

Posted June 10, 2019 by Erin

Meet our Claims & Risk Consulting Team

As a client of Cline Wood, a Marsh & McLennan Agency, you have full access to a broad spectrum of risk management services, as well as a committed partner in managing your business from a safety perspective. We are very proud of, and excited about the team we’ve assembled to help educate and guide our clients regarding safety best practices.


Read Steve Page’s Consultant Spotlight here!

 


Read Kenny Ray’s Consultant Spotlight here!

 


Read Scott Dunwiddie’s Consultant Spotlight here!

We have found our most valuable resource is our ability to act as an in-house safety consultant for our clients. We work closely with our clients to understand their needs and collaborate with them to make sure we are providing REAL VALUE to their program. Our goal is to provide our resources to improve their company’s overall safety culture, therefore increasing their overall profitability.

This can be accomplished by enhancing the existing safety program by focusing on two main areas that most transportation and logistics firms struggle with:

Claims Consultation, Strategy and Advocacy
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.

Individualized Safety and Risk Education and Consultation
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. We partner with our clients to provide resolutions to and/or education on any number of client challenges. Here are just a few of the safety services we provide:

  • Review of current safety policies & procedures through internal DOT and OSHA compliance guidance. Identify regulatory and cultural gaps, develop corrective actions and deliver training specific to the identified needs.
  • Evaluate current driver recruiting and hiring guidelines and driver retention practices. Assist in building future hiring guidelines with further training considered to better develop new drivers.
  • Evaluating initial driver orientation and ongoing driver training for driving and WC with emphasis on defensive driving and industry-specific practices (proper lifting, trips, slips and falls, etc.).

We look forward to partnering with you to establish a high level safety culture by determining your current transportation safety strengths and weaknesses through the initiatives outlined above.

 

 

 

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 – 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.

 

Copyright © 2019 Cline Wood.