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...der safety records in selecting contractors and informing contractors of potential process hazards etc. ...rd calls for an investigation team, including at least one person knowledgeabl...

... and service contractors. ... Equipment Utility...

... Proper Coverage To maintain his business relationships with clients, the insured required general liability and other coverages. A certificate of insurance was issued indicating that the insured had all the proper coverages to meet the standards of contracts required by the client. The client, a general contractor, reported a loss arising from the work of the insured. The loss resulted in discontinuation of underground utility service to a major manufacturing plant. The insured, a swimming pool subcontractor, did not have coverage for the underground property damage. The insurance carrier for ... producers present another problem. Those who produce business must, of necessity, gather data. The integrity of that data has never been highly dependable. It is sometimes even void of any known body of insurance fact- but there's a solution. The producer must be equipped with appropriate forms that are native of the system. (In our opinion, any use of nonstandard forms, such as cocktail napkins, would be a breach of the system and therefore not system-friendly.) With the employees who have been with the agency since ... original tablets came down the mountain, you're in for a special treat. Anti-system staff personnel will either have to adapt or leave! How do you find out if the system is working? You must audit the resultant transactional flow of the previously mentioned nine components. It must be done as a separate audit system, and should be effected by someone who can objectively examine paper or media trail. In other words, don't let the people audit their own trails. Many agencies use Personal or Commercial lines managers for this important function ...

... Furniture, Home Furnishings and Equipment Stores 58 Eating and Drinking Plac...

...he way the employer will inform contractors in manufacturing facilities of the...

... ] Are fire doors and shutters in good operating condition? [ ] Are automatic sprinkler system water control valves, and air and water pressure checked weekly/periodically as required? [ ] Is the maintenance of automatic sprinkler systems assigned to responsible persons or to a sprinkler contractor? [ ] Are sprinkler heads protected by metal guards when exposed to physical damage? [ ] Is proper clearance maintained below sprinkler heads? [ ] Are portable fire extinguishers provided in adequate number and type? [ ] Are fire extinguishers mounted in readily accessible locations ... leave nothing to memory or chance. Write down what you see, or don't see, and what your think you should do about it. When you have completed the checklists, add this material to your injury information, your employee information, and your process and equipment information. You will now possess many facts that will help you determine what problems exist. Then, if you use the OSHA standards in you problem-solving process, it will be much easier for you to determine the action needed to solve these problems. Once the ... procedures described in Section III and establish your four-point safety and health program. Technical assistance in self-inspection may be available to you as a small business owner or manager through your insurance carrier, the local safety council, and many local, state, and federal agencies, including the state consultation programs and local OSHA offices. Additional checklists are available from the National Safety Council, trade associations, insurance companies, and other similar service organizations. SELF-INSPECTION SCOPE The scope of your self-inspections should include the following: PROCESSING, RECEIVING, SHIPPING AND ...

... this data as is available. 6. Collect canceled checks, invoices, or other papers that will assist the adjuster in obtaining the value of the destroyed property. 7. If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he or she arrives. The estimate should contain: detailed specifications of the proposed repairs, and detailed repair cost prices and replacement prices. 8. Take photos of the damaged areas. These will help you with the presentation ... supermarkets, parking lots, and so on. What to Do Before a Catastrophe 1. Alert police and fire departments to special conditions, such as an invalid who might require emergency evacuation. 2. Prepare an inventory list of personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage for the furnishings and other items you've purchased since you first bought insurance. And buy Flood and Earthquake insurance, if you're ... with your agent as quickly as possible. Let him or her know about your losses. If you are relocated temporarily, let your agent know your temporary address. 2. Make only those repairs necessary to prevent further damage to your home or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to ...

...bles, household furnishings, and equipment so losses can be authoritatively it...; others required more information, including form numbers. The completed ACOR...