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...See Exhibit 7 and Factor 19. MISCELLANEOUS CONSIDERATIONS Is there any ...

...s unique. Additional pages of miscellaneous items should be prepared with ite... Hazardous Material Handling 10. Miscellaneous Items Remarks Accepted by ...

...nd development data, etc. Miscellaneous: Business continuation (disaster ...

.... Flammable Materials [ ] 9. Miscellaneous Items Print your remarks here:...

... NA-10 (now E'), or no rating? Yes. See Exhibit 7 and Factor 19. Does the company's Best's Rating include a c' (now discontinued), q', w', or x' rating modifier? No. Have there been significant or multiple declines in the company's Best's Rating in the past five years? Yes. See Exhibit 7 and Factor 19. MISCELLANEOUS CONSIDERATIONS Is there any other adverse information on the company from Best's or elsewhere? A yes/no for this factor depends on a more detailed review of the Best's data and/or other pertinent data known to the agency. Summary and Conclusion Generally, eight or more total Yes' answers or three or more Yes' answers to factors 1, 2, 8, 9, 10, ... five years. Has the company made any questionable investments (in affiliates, real estate, cash increases, low yields, etc.)? Yes. Using the yields and asset values from Exhibit 2, Big Red's return on investment was only about 2% . In addition, the cash component of the investment portfolio increased from 12.2% to 43.6% of assets, accompanied by a reduction in bonds of 32.7% to 12.4% (You might also be concerned about why bonds were cashed and whether the transaction resulted in a gain or loss. Exhibit 4 provides limited information on this point) . Also note that loans' increased from zero to 14% . MARKETING FACTORS Have there been any major market withdrawals/changes or assumed books of business? Unknown. (Because this information is ...

... labeling containers Inspections One of the best ways to prevent workplace injuries and illnesses is a comprehensive inspection program. Regular inspections should be an integral part of your Workplace Safety and Hazard Communication Program. After a discussion on how OSHA goes about an inspection, there is an extensive checklist that you can use to inspect your workplace. This list cannot be complete since each worksite is unique. Additional pages of miscellaneous items should be prepared with items added as needed to adapt this inspection program to your workplace. Participation A common characteristic of effective safety programs is participation by both management and workers. Management must participate by providing safety resources, pledging a strong commitment to safety, and setting an example through following and enforcing safety rules. All workers need to participate in the safety program by maintaining awareness and focus ... in covered metal receptacles and removed from the worksite promptly? Is proper storage practiced to minimize risks of fire and spontaneous combustion? Are approved containers used for the storage/handling of flammable and combustible liquids? Are all connections on drums and combustible liquid piping, vapor and liquid tight? Are all flammable liquids kept in closed containers when not in use? Are bulk drums of flammable liquids grounded and bonded to containers during dispensing? Do storage rooms for flammable and combustible liquids have explosion-proof lights and mechanical or gravity ventilation? Is liquefied petroleum gas stored, handled and used in accordance with safe practices and standards? Are liquefied petroleum gas storage tanks guarded to prevent damage from vehicles? Are all solvent wastes and flammable liquids kept in fire-resistant, covered containers until they are removed? Is vacuuming used whenever ...

... entities, the risk manager will be involved in developing charges to various divisions or cost centers. Much of this takes informed judgment. Loss Prevention. Though they can't be an expert in all phases of loss prevention, risk managers should have general knowledge backed by their own loss information. This should enable them to determine the best method of obtaining what loss-prevention counsel is needed. Risk Function Administration. Miscellaneous duties include supervising contractors' Certificates of Insurance, attending public hearings on insurance matters, and helping legal counsel develop standards for such items as purchase orders and leases. Risk managers may also handle bid, performance, and permit bonds. Professional Networking. As in any professional field, continual contact with peers is essential. Membership in the following groups is recommended: Public Risk and Insurance Management Association ... risk manager must understand everything happening or about to happen in the organization. In addition to understanding the entity and its people through years of experience, the risk manager should: Physically inspect major properties often enough to know what's going on Talk regularly with key staff and operating officials Study the annual budget to attain a feel for each activity's financial aspects Review all requests for funds for changes Read contracts, bond indentures, leases, and similar documents that may have insurance clauses or indemnity (hold harmless) provisions Study reports of all insured and self-insured losses Read minutes of meetings of the governing body, and review the agenda to see whether any item has risk-management implications Establish dollar values of all significant loss potentials Risk Management Policy Development. The risk manager generally prepares a written policy for consideration and approval by ...