premises & operational liability; healty & safety; car-ear

1.0 Insight incidents and losses regarding Premises & Operational liability; Workers compensation and Health/safety

This liability and safety incident overview is based on > thousand incidents in North America and Europe.

The impact of 3rd party safety and Workers compensation is:
* highly dependent on the business activity up to factor 20 between lowest and highest
* roughly twice as high for Industry and Construction than for administration and other business including nursing
* higher for small-medium sized companies, because the probability of these losses is much higher although the average loss amounts are much lower.
This is largely due to not enough risk control for Health & Safety.


1.1 RAGTPL Risk assessment for Premises and General 3rd party liability (GTPL)

The RAGTPL is the combined Risk assessment for Premises and GTPL including Health and Safety.
The RAGTPL assessment starts with the assessment of the business activities by selecting the appropriate hazard grade for the Basic activities as this is the key risk condition. This implies that the hazard grade needs to be calibrated on relevant loss data.
The company specific conditions, or RE level comprise of the Processing (activity) Risk and the Risk control measures and are assessed in relation to the Basic risk best practices.

RAGTPL comprises of a Core, or a Full format; each their own application.
The Core format is primary for an assessment at high level that requires limited on-site time, or for a Virtual-desk assessment.
The Full format is an in-depth on-site assessment that covers more (>double) risk conditions for Processing and Product risk control and includes an extended overview of loss scenario’s plus tailored risk improvement.

The RAPGTPL is an effective assessment process that can be implemented with limited preparation time and involvement of few employees of the company-product to be assessed. For this reason the risk engineering services are mostly started with one or more RAGTPL’s. During the GTPL risk control process the PRAHS Product risk analysis is replaced often and/or combined with the (core) RAGTPL


1.2 PRAHS Health & Safety risk analysis

The PRAHS-Health & Safety risk analysis has been developed from the ZHA (Zurich Hazard Analysis) and is tailored to Health and Safety for the analysis of the heath impact for own employees and 3rd parties.
The PRAHS is a team-based analysis by which risks are identified structurally whereafter the cause/trigger and the related loss scenario are assessed. A special tickler list with likely scenario’s has been developed for this Health and safety application.
The assessed scenarios are qualified by loss consequences/impact and loss probability and are mapped in a risk profile for risk prioritization. The PRAHS ends with the development of the main risk improvement by priority plus agreement who of the team will supervise the implementation.
The feedback of practical all participants is that the PRAHS is an effective process and a great method to operate over all discipline and business functions without barriers.

PRE has a broad experience with PRAHS lead and management and with the training of company’s employees for own team lead and facilitation.



1.3 Incident analysis and loss dbase

The PRE loss analysis is a structured analysis method that covers various sections include technical causes; loss impact in monetary values.
The data that is extracted from the loss can be directly compared with over 1,000 health and safety losses over all industries.


2.0 Construction & Erection All Risks (CAR-EAR)

Construction & erection risks are a combination of 3rd party /liability, safety and property risks, so require both knowledge of Liability as Property.
Construction and Erection risk engineering services comprise primary of two stages, namely:
* assessment of project vulnerability (as designed)
* periodical on site assessments with risk improvement for construction and erection activities.

RAC Risk assessment for CAR & EAR
The RAC assessment starts with the assessment of the project activities by selecting the appropriate hazard grade for the Project and the volume/value of the project. Next the 3rd party risk is assessed related to the supplied materials and services followed by the own project activities including project management. Hereafter the Project risk controls are assessed and the assessment is completed with Credible Loss scenario’s and Risk improvement actions.

The RAC report comprisese of two [parts, namely:
* Background and project specifications
* Findings and assessment of periodical (on-site) assessments



The loss scenarios are broken down into:
* Damage to existing property
* Damage to equipment and construction material
* 3rd party liability due to construction
* Business interruption (optional)
* Advanced Loss of Profits (optional)