“Thinking Outside the Fence” David Buckman Director of Risk Management CORE Construction Andy Giza, CHST, CAE Senior Risk Control Consultant Willis North America Two Distinct Responsibilities Regarding insurance, General Liability is divided into 2 main categories: 2 Defect(QA/QC) Site Security and Public Safety The Rodney Dangerfield of Construction Safety 3 PUBLIC SAFETY “Damage or Injury” as defined herein typically involves two distinct categories: Property Damage ex. - Damaged Chevrolet Pick-up - $17,500 Bodily Injury ex. – Trip Over Fence Base - $????? 4 PUBLIC SAFETY 5 PROPERTY DAMAGE May include damage to a vehicle, adjacent building, sidewalks, roadways Liability Usually (Not Always) Capped at Value of Property Unintended Consequences 6 Unintended Consequences 7 Unintended Consequences 8 Unintended Consequences 9 PUBLlC SAFETY Bodily Injury – Exposure is unlimited Medical Bills Lost Wages Pain & Suffering Expectations Are Greater We need to do (or should have done) MORE Public granted more leeway/sympathy A10.34-2001 (R2012) Industry-accepted practices for the Protection of the Public on or Adjacent to Construction Sites 1.1 Scope. This standard provides the recommended elements and activities on construction projects to provide protection for the Public. 1.2 Purpose. This standard is intended for use as a guideline to provide protection for the Public. ANSI A10.34-2001 (cont.) NOISE (3.2.1) – Impact noises – Audible alarms/warning systems – Local jurisdictional considerations – Start/Stop times ANSI A10.34-2001 (cont.) DUST, FUMES. SMOKE, VAPORS (3.2.2) – Operations which produce airborne contaminants that may present a hazard to the Public shall be controlled. – Dust Control/SWPPP’s can be included. ANSI A10.34-2001 (cont.) TRAFFIC HAZARDS (3.2.3) – Also follow MUTCD (D6.1) – Temporary structures built to withstand intended loads and prevent shifting – Emergency vehicle access – Prompt debris clean-up ANSI A10.34-2001 (cont.) PEDESTRIAN HAZARDS (3.2.4) – Minimize hazards (slip/trip & struck-by) – Covers constructed to spec. – Ingress/Egress marked and not blocked – Sufficient notice ANSI A10.34-2001 (cont.) PEDESTRIAN HAZARDS (3.2.4 cont.) – Job site traffic – Fencing PUBLIC SAFETY Pedestrians & Bicycles Vehicles Other structures ANSI A10.34-2001 (cont.) Other topics include: – Lighting (3.2.5) – Radiation (3.2.6) – Machinery/Vehicles (3.2.7) – Falling/Windblown Objects (3.2.8) – Security (3.2.9) – Pollution (3.2.10) – Utilities (3.2.11) PUBLIC SAFETY Using inadequate warning devices to warn of the outside lane being closed. Failure to comply with known work zone safety standards and to update the traffic plan. Control plan to suit the conditions of the area. PUBLIC SAFETY Wind blown materials… Loose Material Good controls in place Loose Material PUBLIC SAFETY Securing loads – even in pickups… Became a salvage title PUBLIC SAFETY Certified traffic control… Bicyclist attempting to cross behind a side dump Damaged signage PUBLIC SAFETY What is the hazard? Lack of adequate canopy maintenance Head-on crash exposure PUBLIC SAFETY People or vehicles? Off-set K-Rail next to bike path Blocking (partially) pedestrian traffic & no wind weight PUBLIC SAFETY Pedestrian tripping exposures PUBLIC SAFETY Pedestrian laceration exposure Damaged panels Unprotected trenches PUBLIC SAFETY Construction accidents involving General Liability coverage’s is a very real exposure. Companies must proactively manage the construction site and prove consistent compliance with plans and specifications. Make a plan (A10.34 Appendix A). Documentation is the key to success. “If you didn’t document it…it didn’t happen” “Thinking Outside the Fence!” EVERY DAY- maybe more than once. What about nights, weekends and Holidays? Damaged, dirty, displaced or missing TCD's. DOCUMENT all your inspections – CRITICAL DOCUMENT corrective actions (what and when). DOCUMENT push-back from Owner. Verify proper completion of forms and record retention. Consider photos. TAKE CREDIT FOR THE GOOD THINGS YOU DO!! Sample Evaluation Plan (Yes, you may have a copy…) Sample - Public Hazard Protection Plan for Project or Contractor - Sample ANSI A10.34 - 2012 Identify name of project and parties to construction Name of Project Location of Project Project Constructor Contractor/Scope this Public Hazard Protection Plan covers (enter whole job if this plan is not for one trade or one activity) Scope of Work this plan covers (enter whole job if this plan is not for one trade or one activity) Plan Prepared by: Project Constructor review by: Name/Response Date Developed or Updated Action required - plan to abate hazards, conflicts noted The Reality of Construction Liability Statute of Limitations – Varies from state to state and loss type to loss type Rule of thumb is 2 years from the date of incident for Bodily Injury claims WITNESSES Are critical witnesses and employees available for interview? Can you locate them? Are subcontractors who were involved in the project still in business? How easily will witnesses and employees be able to recall specific details from the date of the accident, much less critical issues prior to the date of the accident? What documentation do you still have available two (2) years after an incident that relates to the project in question? WITNESSES WORK ZONE SAFETY In the end, its how we do our job. THINKING OUTSIDE THE FENCE QUESTIONS? Thank you for your participation.