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    • Contact Us

      Cortland, New York Office
      Address:  67 Main St
      PO Box 5670
      Cortland, NY 13045
      Phone:  800.822.3747
      Fax:607.756.5051 (Underwriting)
      Fax:607.756.5967 (Claims Services)
      info@mcneilandcompany.com
      Denver, Colorado Office
      Address:  1331 17th Street
      Suite 810
      Denver, CO 80202
      Phone:  800.822.3747
      Fax:607.756.5051 (Underwriting)
      info@mcneilandcompany.com
      Petaluma, California Office
      Address:  1310 Redwood Way
      Suite 210
      Petaluma, CA 94954
      Phone:  888.814.4447
      Fax:760.423.1050
      info@mcneilandcompany.com
  • Accident Investigation

     
    Print McNeil & Company 3:34 pm

    Bill Tricarico
    Senior Risk Management Consultant
    Emergency Services Insurance Program

    January 2007
    One of the most important segments of your organization’s risk management plan is the investigation of accidents, and yet they are only accomplished in a small number of cases.

    A study recently analyzed nearly 2 million accidents nationally reported by about 300 companies. The results indicated that for every ONE serious disabling injury, there were 10 times as many minor accidents; 30 times as many property damage accidents; and 600 times as many “near-misses.” This means that for every ONE serious accident, there were 640 opportunities for similar outcomes. This information strengthens the case for the institution of a well-planned and documented accident investigation program which could result in eliminating or reducing the chances of over 600 accident opportunities.

    An example of how this “near-miss” concept would play out in the fire service would be:

    Your department is operating at the scene of a structure fire. As hose lines are advanced, one of the members suddenly has a problem with their SCBA. The line backs out, the person is replaced, and operations resume. That SCBA will probably be tagged, tested, and sent out for service, most likely ending the incident. A formal investigation however, could reveal several things:

    • SCBA’s should be inspected/tested more frequently
    • There was a gap in the current inspection program
    • The member was not properly trained in the use of the SCBA
    • The company performing maintenance is not operating properly
    • A policy for stowing SCBA’s after incidents is needed or not working as planned

    Discovery of any of these items could well prevent a future tragedy, but without a formal investigation program, it probably will not be noticed.

    Similarly, vehicle accidents and firefighter injuries, no matter how minor, should receive the same attention as a major incident. Sometimes the difference between a minor accident and a catastrophic one is only a matter of luck and no fire officer would like to depend on luck for the safety of their people.

    For further information on developing an in-house accident review policy, please contact the Emergency Services Insurance Program, Loss Control Services Division.

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  • Contact Us

     

    Contact Us

    800.822.3747

    info@mcneilandcompany.com

    20 Church St
    Cortland, NY13045