TEXAS MUTUAL

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WELCOME!
SMALL BUSINESS SAFETY ORIENTATION SEMINAR
Risk Management Institute at COLLEGE Of The
MAINLAND
TEXAS MUTUAL INSURANCE COMPANY
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Agenda

• 100 105 Opening comments
• 105 150 Work-Related Fatalities
• 150 200 Break
• 200 325 Developing a Safety Program
• 325 335 Break
• 335 500 Record Keeping

Susan Larison
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Why do I need a safety and health program?
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A good health and safety program can reduce
injuries...
FACT 
U.S. Dept of Labor Safety Health Management
Systems etools
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Fatal Occupational InjuriesUnited States Texas
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The 495 fatalities recorded in 2005 represents an
increase of 12.5 from 2004 recorded data .
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The rate of National fatal work injuries in 2005
was 4.0 fatalities per 100,000 workers, down from
2004. Data was not available for Texas.
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The manner in which work place injuries occurred
in Texas, 2005
3 increase in 2005
4 increase in 2005
Fatalities that resulted from highway incidents
in Texas increased (3) with the leading event
being jack-knived/overturned vehicle incidents
(78 increase).
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Difference in workplace fatality counts from 2004
to 2005 by fatal event in Texas
2004 Level
2004 Total 440 2005 Total 495
Number change from 2004 levels
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Texas 95
Texas Fatalities 495
Texas employment data was not available
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(38)
(2)
(11)
(2)
(11)
(0)
(13)
Texas Data Men 460 Women 26
(0)
(16)
(0)
(5)
(0)
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White non-Hispanic workers comprised 49 of the
total fatalities black non-Hispanics accounted
for 7, and Hispanics accounted for 40, this is
an increase of 33 from 2004.
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Comparison of fatal work injury counts from 2004
to 205 by age groups
Twenty-three percent of all fatalities were
experienced by workers between 25 and 34 years of
age, regardless of gender.
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(134)
(75)
(28)
(36)
(48)
(30)
(31)
(18)
(18)
(495)
(12)
(41)
(7)
(8)
(4)
(5)
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(135)
(137)
(61)
(42)
(37)
(16)
(33)
(22)
(4)
(8)
(0)
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A good health and safety program can stop the
slaughter...

• A workplace death occurs about every hour and a
  half in the United States

Source BLS 1999
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From January 1998 to July 2002, Texas Mutual
Insurance Company received 282 reports of
workplace fatalities from policyholders.
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From January 2004 to June 2004 Texas Mutual
Insurance Company received 37 reports of
workplace fatalities from policyholders. Paid
9,051,577
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2004 TMI Fatality, SIC Division
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2004 TMI Fatality Causes
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From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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  Fatalities by Time of Day
From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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Fatalities by Time of Day
From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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More Fatality Statistics

• 61 reported by companies that paid less than
  35,000 in premium
• 63 reported by companies with less than 25
  employees
• 61 sustained by employees with less than one
  year on the job

From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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Statistics

• Sundays, Tuesdays, and Mondays had highest death
  rates
• In descending order, most likely times for fatal
  accidents were
• 1000 to 1100 a.m.
• 900 to 1000 a.m.
• Noon to 100 p.m.
• 300 to 400 p.m.

From Texas Mutual Insurance Company statistics,
January 1998 July 2002
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BRIEF DESCRIPTION OF ACCIDENTAn employee was
working on a scaffold near the top of a 250-foot
smoke stack when a section of concrete being
removed fell onto the scaffold, knocking the
employee off. The employee was not tied off with
a safety belt and lanyard and fell to the ground
below.INSPECTION RESULTSAs a result of its
investigation of the accident, OSHA issued
citations alleging two willful and several
serious violations. OSHA's construction standards
include requirements which, if they had been
followed here, might have prevented this
fatality.

• ACCIDENT PREVENTION RECOMMENDATIONS
• The employer must install standard guardrails
  (top-rail, mid-rail and toe-boards) on all open
  sides and ends of the bracket scaffold around the
  top of the smoke stack. 29 CFR 1926.451(a)(4).
• The employer must provide training to inform
  employees of potential hazards while working on
  the scaffold. 29 CFR 1926.21(b)(2).
• The employer must provide a positive procedure to
  ensure that concrete sections fall inside,
  instead of outside, the smoke stack. Section
  5(a)(1) of the OSH Act.

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• BRIEF DESCRIPTION OF ACCIDENTFive employees
  were construction a chain link fence in front of
  a house and directly below a 7200-volt energized
  power line. They were installing 21-foot sections
  of metal top rail on the fence. One employee
  picked up a 21-foot section of top rail and held
  it up vertically. The top rail contacted the
  7200-volt line, and the employee was
  electrocuted.INSPECTION RESULTSFollowing its
  inspection, OSHA determined that the employee who
  was killed had never received any safety training
  from his employer nor any specific instruction in
  avoiding the hazards posed by overhead power
  lines. The agency issued two serious citations
  for the training deficiencies.ACCIDENT
  PREVENTION RECOMMENDATIONS
• Employers must instruct employees to recognize
  and avoid unsafe conditions applicable to their
  work environment 29 CFR 1926.21(b)(2).
• Employers must not permit employees to work in
  proximity to any part of an electrical power
  circuit when the employee could contact it during
  the course of work, unless the employee is
  protected against electric shock by de-energizing
  the circuit and grounding it or by guarding it
  effectively by insulation or other means 29 CFR
  1910.416(a)(1).

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Conclusions

• New employees are more likely to be fatally
  injured on the job.
• Smaller companies tend to have a higher fatality
  rates.
• Employees working in construction and
  transportation are more likely to be fatally
  injured on the job.

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Resources

• Texas Mutual Insurance Company
• www.texasmutual.com
• Texas Department of Insurance, Division of
  Workers Compensation
• www.tdi.state.tx.us
• Occupational Safety Health Administration
• www.osha.gov
• Bureau of Labor Statistics
• www.bls.gov

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Questions?

Susan Larison Email slarison_at_texasmutual.com