EVERYTHING INSURANCE SHOULD BE Insurance tech talk EVERYTHING INSURANCE SHOULD BE

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MY INSURANCE POLICY When you buy insurance, whether for your home & auto or for a business, you pay the premium, and then when you receive the policy, you studiously read the entire policy, right? OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

READ YOUR POLICY If you do, you may be one of the few folks that take the time to do that. We encourage you to read your entire policy. But do you understand all the jargon out there about insurance? Do you wonder whether there may be some tips for preventing losses? OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

PROGRAM GOALS de-mystify some of the issues surrounding the world of insurance help fill in gaps of knowledge when it comes to different terms and jargon gives some practical common sense ways to prevent losses answer questions you might have OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

PLEASE SEEK LEGAL ADVICE OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

WORKER SAFETY Construction is among the most dangerous industries in the country. In 2014, data from the Bureau of Labor Statistics (BLS) indicated that 885 fatal on-the-job injuries occurred to construction workers, more than any other single industry sector and nearly one out of every five work-related deaths in the U.S. that year. OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

OSHA - FOCUS FOUR LEADING CAUSES OF WORKERS DEATHS ON CONSTRUCTION SITES IN 2014 38% 885 TOTAL DEATHS 16% 15% OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress 4%

MITIGATE FATALITY STATISTICS private and public sector working together Cincinnati Insurance targeting Focus Four OSHA training Presentations Handouts Toolbox Topics OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

Contact your Cincinnati Insurance Loss Control Representative LEARN MORE ABOUT OSHA AND THE RESOURCES AVAILABLE TO YOU OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress

Contact Cincinnati Insurance at www.cinfin.com INSURANCE TECH TALK Contact Cincinnati Insurance at www.cinfin.com OSHA Recordable Variables: Temporary Labor Injuries of Temp workers under Insured Supervision Temp worker work hours Employee Leasing (PEO’s) Often used to avoid high EMF’s from loss history Report is direct supervision is done by business entity All Recordable Incidents – Not First Aid One-time, short-term treatment and requires little technology or training to administer. First aid can include cleaning minor cuts, scrapes, or scratches; treating a minor burn; applying bandages and dressings; the use of non-prescription medicine; draining blisters; removing debris from the eyes; massage; and drinking fluids to relieve heat stress