Underwriting Liability Insurance: an overview
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The document provides an overview of factors to consider when underwriting liability insurance. These include details about the insured, their occupation, premises, custody of property, work away from premises, emissions, customers, processes, use of chemicals and hazardous substances, health and safety records, trade waste, manufacturing processes, source of materials, design work, products, purpose of products, safety considerations, complexity, packaging, and discontinued products. Secondary risks from number of people affected, reliance on the product, and how the end user utilizes the product are also important to assess.
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Gregor Riese discusses environmental pollution insurance (EPI) for property owners and business operators. EPI is designed to deal with pollution and waste issues as existing general insurance policies do not cover a wide range of pollution-related costs and liabilities. Businesses that use or store hazardous materials should consider EPI coverage as they risk causing a pollution incident with associated cleanup costs and penalties, which have become more expensive under changing environmental legislation.
Environmental audit methodology
Environmental auditing involves periodically evaluating an organization's environmental performance, policies, and compliance with regulations. It aims to help protect the environment and minimize health risks. The audit scope includes assessing waste management, emissions, environmental protection systems, energy use, emergencies planning, and occupational health and safety compliance. The audit process consists of planning, on-site evaluation of controls, gathering evidence, recording findings, and evaluating results to determine how well environmental management systems are functioning.
Safety data sheet.pdf
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MATERIAL DATA SAFTY SHEETS
The document discusses Material Safety Data Sheets (MSDS), which contain information about the health effects of exposure to chemicals and safe handling procedures. An MSDS includes 16 sections with details like product information, hazards, first aid measures, and disposal considerations. Employers must make MSDSs available to workers exposed to hazardous materials and ensure they are understandable. The document also outlines key aspects of industrial health and safety, including identifying occupational hazards from plants, equipment, materials and tasks in order to implement controls to reduce risks. Hazard analysis methods are used to systematically identify potential issues.
Dangerous Substances and Risk assessment
This document discusses dangerous substances and risk assessment. It defines dangerous substances as liquids, gases or solids that pose risks to worker health or safety. The document outlines a 5-step process for risk assessment of dangerous substances: 1) identify hazards and those at risk, 2) evaluate and prioritize risks, 3) decide on preventive actions like elimination or substitution, 4) take action, and 5) monitor and review the assessment. The goal of risk assessment is to protect workers from harm by implementing controls for dangerous substances in the workplace.
Whmis presentation
WHMIS is a national program that provides information about hazardous materials used in Canadian workplaces. It requires suppliers to label products and provide material safety data sheets, and requires employers to train employees. The goal of WHMIS is to reduce workplace injuries and deaths by ensuring employees have access to hazard information. All parties - suppliers, employers, and employees - share responsibility for compliance to create a safe working environment.
Workplace Health & Safety
The Workplace Health and Safety Act aims to protect workers through promoting safety awareness. It outlines mandatory requirements for employers and employees. Regular inspections identify hazards, which must be addressed. Managers must ensure inspections occur and issues are resolved. Workplace hazards can arise from substances, equipment, conditions, processes and practices. Any accidents or incidents must be reported within 24 hours to allow investigation and prevention of future issues.
Industrial Hygiene Heros in the Workplace, Public, and Environment
Industrial Hygiene Heros in the Workplace, Public, and EnvironmentThe Windsdor Consulting Group, Inc.
Do you want to be a hero? Industrial hygienists do it everyday in the workplace. They protect workers from health hazards that include a variety of dust, mists, fumes, gases, and vapors by testing the atmosphere in which they breath and evaluate the exposure against standards and guidelines. They are interested in examining all of the potential toxins in the air, on building surfaces, those that can be ingested or a combination thereof. It's not an easy task. Industrial hygienist need to talk with many stakeholders in finance, engineering, human resources, public policy, medicine, law, etc. The idea is to identify the potential health hazards that may cause harm to workers, unsuspecting public, and the environment. Many of these hazards involve chemicals, biological and physical agents, radiological exposure, human factors and ergonomics, indoor air quality, toxicology and epidemiology, handling and storage, transportation, research and development, and many other considerations. So if you want to be a hero, contact your local section of the American Industrial Hygiene Association. They can provide the information that you will need for a career pathway from academia to senior business professional.Unit 9 -Good manufacturing practice.pptx
This document defines key concepts related to current good manufacturing practices (cGMP), including:
- cGMP ensures products are consistently produced and controlled to quality standards for intended use. It covers facilities, equipment, personnel, and manufacturing procedures.
- The primary goal of cGMP is to prevent errors, contamination, and mix-ups during manufacturing that could lead to unsafe or ineffective products.
- cGMP provides a framework to help ensure products are safe, effective, and high quality. It addresses premises, equipment, documentation, personnel, packaging/labeling, quality control, distribution, validation, and recall procedures.
Green - Global Product Stewardship
The document provides an overview of product stewardship and global product regulatory compliance challenges. It discusses how the number of environmental regulations has increased globally in recent years. Product stewardship and compliance is a strategic issue for multinational corporations due to risks like supply chain disruptions and barriers to innovation from the proliferation of non-harmonized regulations across jurisdictions.
Ecolabels - Mark Rossolo, GREENGUARD
This document discusses sustainability and indoor air quality certification. It explains that sustainability has become increasingly important to businesses and consumers. There is also information overload when it comes to sustainability labels, and it can be difficult to determine which labels are legitimate. The document then discusses the differences between first, second, and third party certifications. It emphasizes that third party certifications like GREENGUARD are the most trustworthy because they are independent and have rigorous testing and standards. GREENGUARD is highlighted as a globally recognized leader in third party indoor air quality product certification.
BUSU WHMIS Training Presentation
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Basic Accident prevention and Occupational safety health ppt.pptx
The document discusses workplace safety and health. It begins by outlining the objectives of explaining accident prevention principles and promoting commitment to prevention. It then provides global and local data showing millions of work-related deaths and diseases annually. Examples of occupational hazards like chemicals, noise, ergonomic issues and accidents are described. Accident costs, including direct costs like damages and indirect costs like lost productivity, are reviewed. The principles of accident causation related to unsafe conditions and acts as well as management failure are explained. Examples of proposed improvements like proper equipment use, lighting, signage and first aid are suggested to promote safety.
Hazard Manv1
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chemical hygiene plan.ppt
This document outlines a chemical hygiene plan to safely manage hazardous chemicals. It discusses reducing lab accidents through compliance with regulations, understanding material safety data sheets, and following general procedures for hazardous chemical handling, storage, disposal, protective equipment, and emergencies. The plan establishes responsibilities for developing standard operating procedures, training employees, conducting inspections, and ensuring proper controls, documentation, and waste management are in place to minimize health and safety risks when working with chemicals.
Brandwood cimdr 2015 biological safety risk management en
The document discusses ISO 10993, which provides guidance for conducting biological evaluations of medical devices to assess safety. It consists of multiple parts that cover areas like test methods, reference materials, animal welfare, characterization of materials, and degradation products. The strategy is to use a risk management framework per ISO 10993-1 to determine what testing is necessary based on understanding the device, materials, and risks, drawing on existing knowledge where possible. Only gaps in knowledge need be filled through appropriate testing to adequately evaluate biological safety.
Pharmaceutical Industrial Processes and Potential Hazards.pptx
This Presentation is bound to different pharmaceutical Industrial processes and its associated potential hazards.
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This document discusses industrial safety and personal protective equipment (PPE). It defines industrial safety as activities to reduce, control, and eliminate hazards from industries. The objectives are to prevent accidents, eliminate work stoppages, and promote employee morale. Material safety data sheets (MSDS) provide chemical identification and hazard information. PPE like eye protection, head protection, hand protection, foot protection, and respiratory protection are important to protect workers from hazards and injuries on the job.
Supply Chain Safety
In the global economy both component and finished products are sourced from a variety of countries. Without the application of appropriate due diligence procedures throughout the purchasing and distribution cycles both public safety and business liability issues can arise. This presentation will take a closer look at the systems that can be used to help mitigate such exposures.
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The Bureau of Land Management imposed restrictions on gas drilling in the Pinedale Mesa region of Wyoming to protect wildlife species like sage grouse, but gas companies argued that increased drilling was important for energy supply and economic growth; however, drilling posed risks to wildlife through habitat loss and pollution, so regulators had to balance environmental and economic concerns in setting policies.
Cause related marketing - 3 m case
This document outlines 3M Canada's 2010 integrated marketing campaign proposal to support the Canadian Breast Cancer Foundation. The campaign, called "Do For The Cure", includes online contests like a musical video contest and dance contest to promote breast cancer awareness. It also includes in-person events like a screening tour, run for the cure race, and leveraging partnerships with TV shows like Glee. The goals are to drive sales of Post-it products, engage customers and employees, and maximize return through donation of proceeds to the foundation.
McDonalds Corporation - Organizational Behavior Case
Dokumen tersebut membahas tentang sejarah, operasi, strategi, dan pencapaian McDonald's. McDonald's didirikan pada tahun 1948 dan mulai beroperasi secara luas pada tahun 1955. Perusahaan ini berfokus pada kepuasan pelanggan, anak-anak, dan ekspansi ke pasar baru melalui berbagai inovasi. McDonald's telah berkembang menjadi restoran cepat saji terbesar di dunia dengan lebih dari 36.000 gerai di lebih dari 100 neg
Avn 102 waiver of subrogation endorsement
This document is a waiver of subrogation endorsement that waives the insurer's rights to recover paid claims from a specified entity. The waiver does not affect the insurer's right to recover from that entity if it was the manufacturer or maintainer of the damaged aircraft. The endorsement is intended for use in aircraft insurance policies to waive subrogation against certain other entities involved in the aircraft.
Avn 100 fraudulent claims clause
An insured shall not deliberately conceal or provide false information regarding a claim. Doing so constitutes fraud and the insurers have the right to refuse payment of the claim. If false information is provided about the cause of loss or claimed amount, insurers can terminate cover, recover sums paid for losses since the event, and retain premiums paid. Any part of the clause conflicting with governing law is void.
Avn 99 continuing liability termination notice
This letter notifies the appointed broker that the insurance certificate for an aircraft engine has terminated the AVN 99 Continuing Liability Endorsement for the benefit of the contract parties. The designated contract party specifies that at a certain time and date, the insured party is no longer obligated to insure the interests of the contract parties as former financiers, lessors, or lease servicers of the equipment under the contracts. Consequently, the continuing liability insurance provided through the AVN 99 endorsement for the benefit of the contract parties was terminated as of that specified date and time.
Avn 99 aircraft finance lease contract continuing liability endorsement
1) This document is an endorsement to an aircraft finance/lease contract that provides continuing liability coverage for specified contract parties.
2) It adds the contract parties as additional insureds under the legal liability policy and makes the coverage primary without right of contribution from other insurers.
3) Coverage is provided from the effective date until the contract parties are no longer required to insure their interests, as long as notification is given within 30 days.
Avn 98 aviation products grounding and other aviation liabilities insurance
This document outlines various types of aviation insurance coverage provided across multiple sections, including:
1) Aviation products and grounding liability insurance that covers legal liability for bodily injury, property damage, or loss of use from defective aviation products or from grounding aircraft.
2) Working parties liability insurance that provides coverage for legal liability from occurrences involving working parties.
3) Aircraft third party and passenger liability insurance that insures against legal liability for bodily injury from aircraft accidents.
It provides coverage limits and exclusions for each section, as well as general policy information and conditions.
Avn 97 arbitration clause
This document contains an arbitration clause that outlines procedures for resolving disputes between parties through arbitration. Key details include:
- Disputes will be resolved through arbitration according to the rules of [organization]
- Arbitration will take place in [location] and the language will be [language]
- Each party will appoint one arbitrator and the two appointed will appoint a third, or the parties can jointly appoint a sole arbitrator
Avn 67 c termination notice
This letter notifies the appointed broker that as of a specified date and time, the insurance provided by endorsement AVN 67C for an aircraft engine has terminated. The designated contract party is no longer obligated to insure the equipment under the contract. The letter requests that the broker provide a certificate applying continuing liability endorsement AVN 99 for the benefit of the contract parties, effective from the date and time of termination.
Avn 67 c airline finance lease contract endorsement hull war
This document is an endorsement to an aircraft insurance policy to protect the interests of financing parties in the event of losses to insured equipment. Key points:
1. It ensures claims payments are made to financing parties in the event of a total loss or to repair parties for other claims.
2. Financing parties are included as additional insureds under the policy.
3. Coverage of financing parties cannot be invalidated by acts of other parties without their knowledge or consent.
Avn 67 c airline finance lease contract endorsement
This document is an endorsement to an aircraft insurance policy to include additional parties. It provides that in the event of a total loss settlement, payment will be made to the contract parties. It also includes the contract parties as additional insureds under the policy and stipulates that their coverage cannot be invalidated by acts of other parties. The endorsement defines key terms used such as the equipment covered, effective date, and contract parties included.
Avn 52 r guidance note extended coverage endorsement - aviation liabilities
AVN 52K was published in 2006 to restrict coverage for certain aviation risks to negotiated sub-limits that would apply across all covered aircraft. However, it also intended to provide option for full policy limits for losses on a single aircraft where devices were placed onboard or emergencies occurred in flight. AICG has realized AVN 52K could expose insurers to full limits across multiple aircraft in some cases, breaching the original principle. To resolve this, AICG has published a modified clause AVN 52R to remove any ambiguity.
Avn 52 r extended coverage endorsement aviation liabilities
1. This document extends coverage provided by an aviation insurance policy. It deletes certain exclusions from the original policy related to war, hijacking, and other risks.
2. It provides limits on the insurer's liability for different types of claims covered by the extended coverage. The liability is subject to sub-limits that are within the overall policy limit.
3. The extended coverage will terminate automatically in certain circumstances such as war between specified countries or requisition of an insured aircraft. The coverage may also be cancelled by the insurer or insured with 7 days notice.
Avn 52 p aviation manufacturers product liabilities endorsement
This document outlines an endorsement to an aviation manufacturers' product liability policy. It provides coverage that overrides some exclusions in the existing war and hijacking exclusion clause, for legal liability arising from the insured's products. Coverage is limited to specific amounts and can terminate automatically depending on certain political events between major nations or detonation of nuclear weapons. The endorsement is part of the specified policy and subject to all its terms and conditions.
Avn 52 p a products endorsement for avn52 clauses
This document provides an endorsement to amend coverage limits for products liability arising from the manufacture of aviation products. It increases the sub-limit for products hazards to [BLANK] per occurrence and in the annual aggregate for liability from manufacturing an aviation product. The overall aggregate limit for all endorsements cannot exceed [BLANK]. Manufacturing is defined as work from design to completion, excluding maintenance after delivery to the first customer.
Avn 52 l extended coverage endorsement aviation liabilities
This document is an endorsement that extends aviation liability coverage. It allows for flexibility in selecting which exclusions from War, Hijacking and Other Perils are deleted by choosing operative paragraphs. Different sub-limits apply depending on the operative paragraphs selected. Coverage can be cancelled on 7 days notice by either party or 48 hours notice after certain hostile detonations. The endorsement is intended to offer flexible options for negotiating aviation insurance coverage.
Avn 52 j extended coverage endorsement aviation liabilities
1. This endorsement extends coverage under the aviation liabilities policy by deleting certain exclusions from clause AVN 48C for an additional premium.
2. Coverage is excluded for damage to property on the ground outside of Canada and the US, unless caused by aircraft.
3. Liability is limited to the lesser of the specified sub-limit or the policy limit per occurrence and annually in aggregate. This sub-limit does not increase the overall policy limit.
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Avn 52 r guidance note extended coverage endorsement - aviation liabilities
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- 1. Underwriting Liability Insurance General Overview
- 3. The Insured
- 4. Occupation
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