Insurance preventive measures

Medical Programs. Large chemical plants have at least one hill-time physician who is at the plant five days a week and on call at all other times. Smaller plants either have part-time physicians or take injured employees to a nearby hospital or clinic by arrangement with the company compensation-insurance carrier. When part-time physicians or outside medical services are used, there is Httle opportunity for medical personnel to become familiar with plant operations or to assist in improving the health aspects of plant work. Therefore, it is essential that chemical-ha2ards manuals and procedures, which highlight symptoms and methods of treatment, be developed. A hill-time industrial physician should devote a substantial amount of time to becoming familiar with the plant, its processes, and the materials employed. Such education enables the physician to be better prepared to treat injuries and illnesses and to advise on preventive measures. 

A pharmacy, like any other business entity, needs to protect itself, its employees, and its customers from physical and financial harm. No matter how careful a pharmacy is about preventing risks, it is practically impossible to eliminate accidents, such as when a customer or employee slips on the pharmacy s floor. At the same time, insuring for these risks does not eliminate the need for pharmacies to take effective risk prevention measures. Indeed, insurers commonly require that pharmacies have risk prevention measures in place to keep insurance policies in good standing for these risks or to reduce premiums. For instance, insurance for fire damage generally requires a sprinkler system or smoke detectors or alarms. 

For the insurance industry, another aspect of risk is loss control. Loss control is controlling conditions that can lead to a loss. It is part of risk management. For an insurance company, loss control is helping insured customers prevent loss producing events. Few losses means few insurance claims. From a safety perspective, loss control helps clients manage safety and health, recognizes hazards and implements preventive measures. The measures eliminate accidents and incidents that create personal, property or financial losses for both parties. When loss control is effective, the insurance company and the insured gain benefits. 

Workers compensation insurance is not in its simplest form a preventive measure it is merely a way of distributing the costs of injury across all employers. It can be made to serve a preventive function if the insurance premiums paid by employers are stmctured to reflect the accident experience of the particular employer. If companies with high accident rates have to pay correspondingly high premiums this should, in theory, give employers a vested interest in the health and safety of their workers, assuming a carefully designed scheme. 

A Dow risk analysis package consists of the analyses developed with the Dow F EI and the Dow Chemical Exposure Index plus reports of loss prevention measures. This risk analysis package is used by industrial insurance carriers to predict the likelihood and size of loss from catastrophic events. 

The Director of Security is responsible for determinig if a hazardous situation exists and, if so, for referring it to the proper staff member for p ompt preventative response. A copy of each form is sent to the insurance agent as well. Accident patterns are analyzed on a seasonal basis for further preventative measures. 

Normal loss prevention practices are to design protection measures for the worst case fire event that can occur at the facility. To interpret this literally would mean that an oil or gas facility is completely on fire or totally destroyed by an explosion. Practical, economical and historical review considerations indicate this rational should be redefined to the Worst Case Credible Event (WCCE) or the as referenced in the insurance industry, the Probable Maximum Loss (PML), that could occur at the facility. 

Kinetics. The reaction of N-dodecyl 3-carbamoyl pyridinium bromide (I) with cyanide ion in the microemulsions was observed by following the 340 nm absorption maximum of the 4-cyano adduct (II). See equation (1). Following the work of Bunton, Romsted and Thamavit in micelles ( ), a 5/1 mole ratio of KCN to NaOH was employed to prevent cyanide hydrolysis. The pH of each reaction mixture was measured on a Coleman 38A Extended Range pH meter to insure that the system was sufficiently basic to allow essentially complete ionization of the cyanide. The appropriate amounts of cyanide and hydroxide were added to the mlcroemulslon sample within 10 minutes of running a reaction. Cyanide concentration varied between 0.02 and 0.08 M with respect to the water content. Substrate was Injected via a Unimetrics model 1050 syringe directly into a known volume of the yE-nucleophlle mixture in a 1.0 cm UV quartz cell. Absorbance at 340 nm was followed as a function of time on a Perkln-Elmer model 320 spectrophotometer at 25.0 + 0.3 C. Since the Initial bulk concentration of substrate was 10 M, cvanide was always present in considerable excess. 

The standard is purged and measured immediately after the unkown and under the identical conditions used with the unknown. A sample of organic free water should be purged between each set of samples and especially after all high level standards or samples. This will insure that the apparatus is purged of contaminants and prevent cross contamination. 

Safety, Loss Prevention and Security are the direct responsibility of line management and are important measures of managerial performance. In order to insure that every employee is prepared to work safely, every supervisor has the responsibility to provide a safe work environment with proper equipment and adequate training. Each supervisor also has the responsibility, through personal example and the involvement of all employees, to create a climate in which everyone shares concern for the safety and security of their fellow workers and for the prevention of losses. 

The strong tendency towards phytotherapy and self-medication is further supported by health insurance companies which exclude medication for minor diseases from the list of reimbursed products. So-called lifestyle drugs cmd functional food are the industry s reaction towards such trends. Patients take care of their heedth in a more responsible manner and try to prevent severe and chronic diseases by changing their lifestyle and controlling their food intake. Dietary measures instead of medicine represent the new approach toward a healthier life. A profound distrust of genetically engineered food has paved the way to a back to nature trend with a preference for products with the bio label. 

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