Aon – Risk Management

Challenges and Solutions

1

A presentation on the importance of knowing

risk management issues that affect your

community on a daily basis

2

5 key topics to be addressed in this presentation

• What is risk management?

• Where are the challenges and solutions?

• Who do we work with to address the issues?

• How does this happen?

• Why should I be concerned?

3

Three Kinds of Risk

Personal Risk

Property Risk

Liability Risk

4

Why should I be concerned?

• Loss of life - severe impact on families and community (grief, mourning, healing, recovery can be long)

• Loss of personal property - loss of personal possessions , loss of your home, and sudden displacement (feeling empty, abandoned, alone)

• Loss of community property - i.e. arenas, recreation centers, bingo halls, band offices, health centers etc. (these are key gathering areas)

5

How and where does this happen?

• It can happen anytime, any place and any hour

• Most frequent - winter and spring seasons

• Winter - when fires are most utilized for warmth and cooking; poor quality homes; no fire alarms; no regular inspections in the home

• Spring - grass fires causing catastrophic damage and financial loss to the community

• Vandalism - playing with matches and lighters

• Carelessness - cigarette smoking and falling asleep

• When there is lack of awareness and training in risk management in the community

• Where there is no firefighting equipment or trained or volunteer firefighters in the community

6

Where are the challenges?

• Mainly in northern Canada and remote locations

• Lack of firefighting infrastructure in the community

• Lack of training and awareness in the community and leadership in some cases

• Lack of financial resources to address this major growing concern

• Lack of establishing a plan of action (fail to plan; plan to fail)

7

What are the solutions?

• A plan of action

• Take action now

• Involve leadership to make it happen

• Also involve key stakeholders i.e. political leaders, government, insurers, brokers, community people, schools etc.

• Education, training, awareness, access to information, get people talking

8

Who do we work with to address the issues?

• Community Leaders

• Government – Federal and Provincial

• Insurers

• Brokers

• Educators – Schools

• Elders

• Youth

• Children

9

Home Fire Safety – Checklist Recommendations

Yes No

General

Every home should have smoke alarms on every level and rooms

Smoke alarms should be located at least 10 feet from a stationary or

fixed cooking appliance

Smoke alarms are interconnected so when one sounds, they all

sound and are in good working order

Family should have a home fire escape plan

Family practices the home fire escape plan at least twice a year

Windows used for escape open easily - not blocked by furniture,

security bars or nailed/painted shut

Security bars, if present, have a quick release-device

Carbon monoxide alarms should be in working order at all times

10

Home Fire Safety – Checklist Recommendations

Yes No

Throughout the Home

Smokers smoke outside the home

Ashtrays are provided outside for smokers

Matches and lighters are stored in a secure cabinet

Lit candles are not left unattended

Flammable liquids, if stored in the home, are limited in quantity

The home is not cluttered with clothes, magazines, and items that

can burn fast

Kitchen

Things that can burn are removed from the stovetop

Small appliances are unplugged when not in use

Adult stays in the kitchen when stovetop is in use

11

Home Fire Safety – Checklist Recommendations

Yes No

Bedrooms

All bedrooms have two ways out and are properly fitted for escape

window and a door

Basement

Hot water heater is set at no higher than 120°F

Things that can burn are at least 3 feet from the furnace

Furnace is inspected and cleaned annually

Clothes dryer lint filter and vent pipe are clean

Garage

There is a solid door between garage and residence

Gas powered equipment is stored in an outside shed or garage,

separate from the home

Gasoline is stored in an approved safety container in an outside

shed or garage, separate from the home

12

Home Fire Safety – Checklist Recommendations

Yes No

Outside the Home

Outside electrical receptacles are in good working condition

There is no rubbish, trash, brush or tree trimmings accumulation on

the property

Barbecue grill is only used outdoors

Stair Safety

Stair is provided with a handrail(s)

Stair can be illuminated for night time use

Stair tread depth and riser height are uniform

Stair landing nosing projections are consistent with other “nosings”

on the stair flight. (You can determine this by doing a “crouch and

sight” test. Crouch down at the top landing)

(Trips and falls on stairs are a leading cause of home injuries).

13

Home Fire Safety – Checklist Recommendations

Yes No

Electrical

Kitchen and bathrooms have GFCI outlets on countertop surfaces

within 6 feet of running water outlets and they are working properly

All receptacle and switch faceplates are installed and in good

condition

Receptacles have been tested and are in good working condition -

no evidence of arcing or overheating

Switches are in good condition - no evidence of arcing or

overheating

Lighting fixture canopies are fastened in place and fixture is in good

condition

Bulbs in light fixtures are the correct wattage for the lighting fixture

14

Home Fire Safety – Checklist Recommendations

Yes No

Electrical (cont’d)

Flexible cords and cables are not used as fixed wiring, run through

holes in walls, ceiling or floor, run through doorways or windows or

under carpets or attached to building surfaces

If there are young children in the home, the home has tamper-

resistant outlets

Panel board and distribution equipment is accessible for inspection

and in good condition - no evidence of overheating, corrosion or

other damage

Service entrance raceways or cables are fastened in place,

grounded, readily accessible and in good condition

15

Risk Management

16

Risk Management

Norway House Cree Nation

Population: 7,000

Location: Northern Manitoba

Travel: 450 km north of Winnipeg via air

10 hour drive via vehicle

12 hour drive via winter road

16

17

Strategic Plan and Process

• Raise the awareness and alarm of the situation to the community members by newsletter, radio, TV and word of mouth

• Develop a contest and award prizes to the 20 best kept homes in the NHCN community

• Establish rules and criteria to those participating in the NHCN Home Maintenance Program (i.e. onsite visits to homes will be conducted)

• Engage existing broker Aon to participate in the NHCN HMP by acting as a judge inspecting the 20 best kept homes with other community representatives

• Establish a community wide celebration and present the awards to the 20 best kept homes in the NHCN

18

Roles and Responsibilities

• Chief & Council and senior administration and management - “get the word out” individual home and property

• Chief & Council and senior administration and management - “get the word out”

• Chief & Council, senior administration & management, Housing and Public Works Techs - distribute and provide educational material on home safety and complete a home safety checklist to 1,168 homes in the NHCN

• Aon - contribute financially as a partner to the NHCN Home Maintenance Program and be a judge on home site visits and selecting the winners

• Community Members - take action to deal with any risk management hazards in their own individual home and property

19

Norway House Cree Nation

Yard & Housing Maintenance Contest

20

Thanksgiving 2013

21

Thanksgiving 2013

22

Thanksgiving 2013

23

Thanksgiving 2013

24

Thanksgiving 2013

25

2013 Yard & Housing Maintenance

Contest

The purpose of the contest was to:

1. Promote awareness of good yard and home maintenance care

2. Get the members of the community actively involved in yard and home maintenance care and make this an exciting project to be held annually

3. Recognize the contest winners at a large community event in order to demonstrate success

26

2013 Yard & Housing Maintenance

Contest

4. With the promotion and education on proper yard and maintenance it would cut down on the loss of homes due to fire or damages, which results in maintaining the housing stock for NHCN

5. Demonstrates a joint partnership between NHCN and AON having similar goals ensuring the care and safety of members

The Yard and Housing Maintenance project was very successful and created a lot of excitement for next year

27

Any Questions or Comments?