neri insurance captive program general liability claim analysis

NERIInsurance Captive Program

General Liability Claim Analysis

What is a General Liability Claim?

• Typically these are caused when our work causes injury to someone who is not covered under our workers compensation coverage, or

• when our work (or lack there-of) causes property damage.

Examples of GL Claims

• Water Infiltration

• Flying Debris striking pedestrians or vehicles

• Fires

• Property Damage

• Sick Building due to our chemical vapors entering

General Liability ClaimsIt’s not about how many you

have!

78%

11%

11%

Comp

GL

Auto

General Liability ClaimsThese are usually very large

claims!

78%

19%

3%

Comp

GL

Auto

Water Infiltration

• Claims can easily be hundreds of thousands of dollars.

• Most water infiltration claims were caused by:– Poor Craftsmanship– Unsecured Roof

Penetrations– Plugged Drains– Failure to control water– Failure to perform &

document pre-job walk through

Flying Debris

• SECURE ALL MATERIAL!!

• OSHA requires that material be stored a minimum of 10’ from the edge.

• Watch out for overspray of product!! Do not use in high winds.

Fires

• NO SMOKING NEAR FLAMMABLES!!

• Keep sparks and flame away from combustible and flammable material.

• A CHARGED fire extinguisher must be on every worksite. On flat roofs it must be on the roof. It can be no further than 50’ from flammables.

• MAINTAIN GOOD HOUSEKEEPING

• P - Pull Pin• A - Aim at base• S - Squeeze• S - Sweep from side to

side

Attractive Nuisances

• We must go above and beyond to protect others.

• Ladders going atop buildings, kettle areas, forklifts, and construction areas in general are attractive to many especially children.

• Ladders NEVER remain up in an uncontrolled site when we are not on the project.

• Provide fencing / protection around kettle areas or stair access onto scaffolding.

• ALWAYS remove keys from equipment and lock them if possible.

REVIEW WATER DAMAGE PROTECTION TOOLS