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INSURANCE MATTERS
 
A Newsletter for Members of the CCAP Insurance Programs
Owned by Members, Governed by Members, Service to Members
 
August 2010
Specialty Lines
 
Hello ,
 
The May issue of Captive Review, a magazine devoted to alternative risk transfer, features an article on RRG pioneers. The article includes a list of the Risk Retention Group (RRG) "Power 50" poll which for 2010 ranks RRG's by their ratios of assets to liabilities and premium to surplus. Both of these ratios measure the company's financial strength. Based on this measurement, PELICAN Insurance ranks fifth in the United States!
 
The magazine's article noted, "Boasting strong loss control and risk management and hiring claims professionals who are experts in PA tort law, municipal tort immunity and civil rights law, PELICAN has been able to offer competitive, consistent rates to its membership. PELICAN describes its focus as 'to create a strong membership that will endure through the constantly changing markets.' The RRG says it seeks to strike a balance between providing coverage for members at a reasonable cost and adhering to strong underwriting guidelines to manage risk that might otherwise endanger the integrity of the program."
 
Of course we appreciate the kind words from Captive Review. It really is a testament to the hard work put in by PACAH members who recognized the need to create an alternative to the ups and downs of the commercial market. At the time there was little interest in insuring nursing homes and prices were sky high. Now the pendulum has swung and there are more insurers knocking on doors and prices are more competitive. And when the pendulum swings back (and history has shown it always does!), PELICAN will still be setting rates based on what is reasonable and expected, not on what the market will bear.
 
Make sure you call us when you need help with something,
 
                              John Sallade
 
In This Issue
Specialty Lines
Insurance staff visibility - another CCAP difference
Fall workshops planning underway
Legal issues and risk management workshops
Important US Communities Changes
Quote of the month

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Office safety 
By Greg Cunningham, ARM, GSP, Loss Control Specialist 
 

Despite common beliefs that the office provides a safe environment in which to work, many hazards exist which cause thousands of injuries and health problems each year among office workers. Since one-third of the work force is in offices, even low rates of work-related injuries and illnesses can have an immense impact on employee safety and health. In addition to obvious hazards such as a slippery floor or an open file drawer, a modern office may also contain hazards such as poor lighting, excessive noise and poorly designed furniture and equipment. Please continue reading to discover how to avoid some of these common office pitfalls.

 

Common office safety & health hazards include:

 

·         Ventilation

·         Illumination

·         Exits/egress

·         Electrical equipment

·         Office furniture

·         Office tools

·         Photocopying machines

·         Video display terminals or VDT's

 

An adequate office ventilation system which delivers quality indoor air and provides for comfortable humidity and temperature is a necessity. The majority (>50%) of complaints in the workplace come from ACHV issues. Where printing or copying machines are present, an exhaust ventilation system which draws particulates and gases away from the employees' breathing zone should be present.

 

Poor lighting also can be a contributing factor in accidents. Glare, shadows and visual problems (eyestrain, fatigue, double-vision etc) are all potential problems. Some controls that should be in place to help prevent poor lighting include:

 

·         Regular maintenance of the lighting system

·         Light-colored dull finish on walls, ceilings and floors to reduce glare

·         Adjustable shades on all windows

·         Indirect lighting

 

Blocked or improperly planned means of egress can lead to injuries as a result of slips, trips, and falls. If, during an emergency, employees become trapped due to improper egress, more serious injuries or fatalities may result. Some controls to ensure proper means of egress include:

 

·         All exit access must be at least 28 inches wide

·         Generally two exits should be provided.

·         Exits MUST be marked and be free of obstructions.

·         Employees must be trained in evacuation techniques.

 

Electrical accidents in an office setting usually occur as a result of faulty or defective equipment, unsafe installation, or misuse of equipment. The following guidelines should be adhered to when installing or using electrical equipment:

 

·         Equipment must be properly grounded to prevent shock injuries.

·         A sufficient number of outlets will prevent circuit overloading.

·         Avoid the use of poorly maintained or non-approved equipment.

·         Receptacles should be installed and electric equipment maintained so that no live parts are exposed.

 

Defective furniture or misuse of chairs or file cabinets by office workers can lead to serious injuries. Listed here are controls related to chairs and cabinets:

 

·         Chairs should be properly designed and regularly inspected for missing casters, shaky legs and loose parts.

·         Do not lean back in a chair with your feet on a desk.

·         Do not scoot across the floor while sitting on a chair.

·         Never stand on a chair to reach an overhead object.

·         Open only one file drawer at a time.

·         Do not locate file cabinets close to doorways or in aisles.

·         Use drawer handles to close file drawers.

 

Misuse of office tools, such as pens, pencils, paper, letter openers, scissors, and staplers, can cause cuts, punctures and related infections. Injuries can be prevented by following precautions when using these materials:

 

·         Paper cutters - Keep blade closed when not in use. A guard should be provided and fingers should be kept clear.

·         Staplers - Always use a staple remover.

·         Pencils, pens, scissors, etc. - Store sharp objects in a drawer or with the point down. Never hand someone a sharp object point first.

 

Photocopying machines can be a source of indoor air pollution when used in offices that are not well ventilated. Use the controls listed below to reduce hazards:

 

·         Keep the document cover closed.

·         Reduce noise exposure by isolating the machine.

·         Place machines in well-ventilated rooms away from workers' desks.

·         Have machines serviced routinely to prevent chemical emissions.

·         Avoid skin contact with photocopying chemicals.

·         Clean all spills promptly and dispose of waste properly.

 

Health hazards related to video display terminals (VDT) use involve:

 

·         Radiation

·         Noise

·         Eye irritation

·         Low-back, neck, and shoulder pain

·         Stress

 

Proper ergonomic design includes the relation of the operator to the screen, background, lighting, and operator's posture. All of these design elements should be carefully tailored to prevent discomfort and potential injuries in the future. The keyboard position, document holder, screen design, characters, and color are all factors to consider.

Should you need further assistance with any other topics related to Health and Safety please feel free to contact the CCAP Loss Control Department

 
 
 
diff_one 
 
Insurance staff visibility - another CCAP difference 
By John Sallade, Managing Director, CCAP Insurance Programs 
 
The summer months bring several events where CCAP insurance staff members are in attendance in order to assist current members and market to new members. Dave Harman, Julia Jackson and John Sallade staffed a booth at the CCAP County Administration Conference in June in State College. Karen Cohen and John Sallade did the same at the Pennsylvania Sheriffs Association Conference in Chester County in late July. And of course we will have several staff at the CCAP Insurance Programs booth at the CCAP Annual Conference in State College, August 8 through 11.
 
In the fall insurance staff will be exhibiting at the PACAH Fall Conference, October 4 through 7 at the Eden Resort in Lancaster, and the CCAP Fall Conference, November 21 through 23 at the Hotel Hershey. Also, various staff members will be in attendance at the loss control workshops held around the state.

This is a major difference from the commercial insurance market. Members have the ability to discuss issues and transact business face-to-face with insurance staff at many different events.
 
Fall workshop planning is underway!

By Linda Rosito, Insurance Training Director

 

The fall workshop season is quickly approaching and topics are being finalized. We have a great season planned with topics such as coaching and mentoring, communication, customer service, legal issues and as always, defensive driving.

 

As a reminder, most of the workshops are FREE to attend if your county is a member of the sponsoring Insurance Programs. To check if your county is a member of thesponsoring program, please refer to Glimpse Online and CCAP Insurance Programs Member Listing.

 

Here is a quick look at the upcoming fall workshop season. Mark your calendars!

 

FALL WORKSHOP OPPORTUNITIES:

·      Wednesday, September 1 - Defensive Driving Workshop, Best Western/Country Cupboard, Lewisburg

·      Wednesday, September 1 - Excellent Supervisor Seminar, Regional Learning Alliance, Cranberry Twp.

·      Wednesday, September 14 - Defensive Driving Course, Scranton Hilton, Scranton

·      Thursday, September 15 - Excellent Supervisor Seminar, Scranton Hilton, Scranton

·      Tuesday, September 21 - KEYS: Powerful Communication: Effective Strategies for Success at Work and Home, Regional Learning Alliance, Cranberry Twp.

·      Wednesday, September 22 - Excellent Supervisor Seminar, The Penn Stater Conference Center Hotel, State College

·      Wednesday, September 23 - KEYS: Legal Update: What's Been Happening While You've Been Busy Running the County, CCAP North Office, Harrisburg

·      Tuesday, September 28, Employees First, Customers Second. Customer Service Strategies for Difficult Times, Hampton Inn, Greensburg

·      Wednesday, September 29, Employees First, Customers Second. Customer Service Strategies for Difficult Times, The Penn Stater Conference Center Hotel, State College

·      Thursday, September 30, Defensive Driving Workshop, The Penn Stater Conference Center Hotel, State College

·      Monday, October 4, PELICAN Training at the PACAH Conference, Eden Resort, Lancaster

·      October 5, KEYS: Powerful Communication: Effective Strategies for Success at Work and Home, Scranton Hilton, Scranton

·      Tuesday, October 5, KEYS: Legal Update: What's Been Happening While You've Been Busy Running the County Regional Learning Alliance, Cranberry Twp.

·      Thursday, October 7, Employees First, Customers Second. Customer Service Strategies for Difficult Times, Best Western/Country Cupboard, Lewisburg

·      Tuesday, October 19, Employees First, Customers Second. Customer Service Strategies for Difficult Times, Scranton Hilton, Scranton

·      Thursday, October 21, Safety Workshop, The Penn Stater Conference Hotel, State College

·      Monday, October, 25, Second Annual Pennsylvania County Prison Medical Staff Training, CCAP North Office, Harrisburg

·      Tuesday, October 26, Employees First, Customers Second. Customer Service Strategies for Difficult Times, CCAP North Office, Harrisburg

·      Wednesday, October 27, Annual Producers Meeting, CCAP North Office, Harrisburg

·      Friday, November 5, County Risk Managers Council, CCAP North Office, Harrisburg

·      Tuesday, November 9, Prison Personnel Workshop, The Penn Stater Conference Center Hotel, State College

·      Wednesday, November 10, KEYS: Powerful Communication: Effective Strategies for Success at Work and Home, Best Western/Country Cupboard, Lewisburg

·      Tuesday, November 16, KEYS: Powerful Communication: Effective Strategies for Success at Work and Home, CCAP North Office, Harrisburg

·      Tuesday, November 16, County Risk Managers Council, Regional Learning Alliance, Cranberry Twp.

 

The CCAP Insurance Programs continues to collaborate with the Academy for Excellence in County Government. Please refer to our website for additional information on co-sponsored events. These workshops are FREE to current Academy participants.

 

Look for your copy of the fall Glimpse in early August. Glimpse Online and online registration will be available August 4.

 

As always, if you have any questions, please feel free to contact Linda Rosito or Jenn James at (800) 895-9039.

 

We hope to see you this fall!

 
Legal issues and risk management workshops 
 

The County Commissioners Association of Pennsylvania (CCAP) is pleased to announce two workshops being held October 14 and 15 at the CCAP North Office in Harrisburg, PA and open to all county elected officials and staff.

 

On Thursday, October 14, join us for the "Legal Issues - Bargaining in a Down Economy" session with speakers Vicki Beatty, attorney at law, and Michael Palombo, attorney at law, of Campbell Durrant Beatty Palombo & Miller, P.C.. Topics of discussion include evaluating your approach to bargaining, dealing with non-bargaining employees, the impact of 1620, negotiating give-backs, anticipating interest arbitration, trends in county bargaining and arbitration and more. This course is scheduled from 9 a.m. until 4 p.m. with lunch included. Participants in the CCAP Academy For Excellence In County Government and Advanced Certification programs may earn credit to fulfill the Legal Issues required course upon their participation at the event.

 

Friday, October 15 features a "Risk Management" session with speaker John Sallade, CRM, CCAP Insurance Programs. Topics of discussion include accident reporting, claims, governmental immunity, safety, bonding, workers' compensation, unemployment compensation, controlling employee lawsuits, among others. The course will run from 9 a.m. to noon and participants in the CCAP Academy For Excellence In County Government and Advanced Certification programs may earn credit to fulfill the Risk Management required course upon their participation at the event.

 

The workshops are open to all county officials and staff. Associate members and other CCAP vendors are also invited to attend. Registered Academy and Academy Advanced Certification participants may attend at no cost. The costs for non-Academy participants (CCAP members) vary. Other fees may apply for Academy graduates, associate members and other vendors. There is a multi-day discount available. The workshop fee includes refreshment breaks and session materials on both days and lunch for the Thursday session.

 

Seating is limited - for registration information, please visit the CCAP website or contact Jennifer James, meetings coordinator, by phone (717) 526-1010 or e-mail jjames@pacounties.org.

 
Important US Communities changes 
By John Sallade, Managing Director, CCAP Insurance Programs
 

In the last few days there have been significant developments in the U.S. Communities program that are important to CCAP and to our members. Many of you may have received a letter from Office Depot regarding their decision not to compete for the U.S. Communities program's office supplies contract with Los Angeles County. That letter contained some inaccurate and misleading statements that need to be corrected.

 

Earlier this year, Los Angeles County refused to extend the office supplies contract to Office Depot for another year. Instead, the county issued an RFP and a number of suppliers, including Office Depot, expressed interest in becoming the supplier through the U.S. Communities program. Last week, however, Office Depot made a very surprising and public withdrawal from the competition.

 

In letters to suppliers and statements to the media, Office Depot called the U.S. Communities supplier commitments "onerous" and "different" and offered those as the chief reason for their decision not to compete. But in communication to their shareholders the company cited profitability as the core issue in their decision. They wanted a higher profit margin than they believed the contract would afford them. They said that continued participation in the program was "inconsistent with [their] long-term strategies."

 

We are founding sponsors of the U.S. Communities program because of the value that it provides our members. The cornerstone of that value proposition is the set of supplier commitments that every supplier must agree to honor. These commitments include a guarantee that the supplier is offering the very best government pricing to the program, a commitment to quality products and services and a commitment to participation in audits and benchmarking. The supplier commitments are not new, but if any supplier considers them to be onerous or inconsistent with their long term strategies then we will look forward to working with suppliers who feel differently.

 

In the last couple of years Office Depot has struggled with allegations and scrutiny from critics, auditors and attorneys general. They have been dogged by some very public criticism of their business practices. And they have struggled to manage their business. We understand that our members, and indeed all public agencies, need to know that they can look forward to supplier partners who are participating in this program willingly and for all the right reasons.

 

Our members need to know that U.S. Communities program suppliers share the commitment to provide exceptional value and the best government pricing as well as outstanding customer service. We want suppliers who understand the important service that you provide the taxpayers and communities you serve.

 

The review process to select a new office supplies supplier is well underway in Los Angeles County. And the county has the support of a team of nationally recognized public procurement professionals. As that process continues, we will keep you informed of the progress so that you can make fully informed purchasing decisions consistent with the best interest of your agency.

 

Based on the schedule right now, we anticipate a new supplier contract will be announced in the next month. In the meantime, if you have any questions about U.S. Communities or the office supplies program, please contact Julia Jackson at CCAP.

 
Quote of the month
 
 "Trust is confidence. You know it when you feel it."
 
- Stephen M.R. Covey and Jack Welch
 
 
 
Consider_PComp 
 

CCAP Insurance Programs
PO Box 60769, Harrisburg, PA 17106-0769
Phone (800) 895-9039 - FAX (717) 526-1020
Claims Fax (888) 692-2368
Click here to go the Insurance Section of the CCAP Website.

email:jsallade@pacounties.org

 

Insurance Matters is published monthly by CCAP Insurance Programs for the use of members of CCAP's UC Trust, PCoRP, PComp, PIMCC, COMCARE, COMCARE PRO, BEST Flex, PELICAN and other insurance programs, and insurance producers of these members.

Advice contained in this publication is not legal advice and members are encouraged to seek the opinion of their solicitor.

The information provided in this publication is not intended to take the place of professional advice. Readers are encouraged to consult with competent legal, financial, or other appropriate professionals. Statements of facts and opinions expressed in this publication, by authors other than Association staff and officers, are the sole responsibility of the authors and do not necessarily represent an opinion or philosophy of the officers, members and staff of the County Commissioners Association of Pennsylvania (CCAP). No endorsement of advertised products or services is implied by CCAP unless those products or services are expressly endorsed, or are owned or managed by the Association programs, or our affiliates. This publication may not be reproduced, modified, distributed, or displayed in part or in whole, by any means, without advance written permission of CCAP. Please direct your requests to John Sallade, Managing Director, CCAP Insurance Programs, jsallade@pacounties.org.

Note: As part of its copyright agreement the CCAP grants the author the right to place the final version of his/her manuscript on the author's homepage, subject to CCAP's standards, or in a public digital repository, provided there is a link to the CCAP website.

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