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Aon – Risk Management
Challenges and Solutions
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A presentation on the importance of knowing
risk management issues that affect your
community on a daily basis
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5 key topics to be addressed in this presentation
• What is risk management?
• Where are the challenges and solutions?
• Who do we work with to address the issues?
• How does this happen?
• Why should I be concerned?
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Three Kinds of Risk
Personal Risk
Property Risk
Liability Risk
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Why should I be concerned?
• Loss of life - severe impact on families and community (grief, mourning, healing, recovery can be long)
• Loss of personal property - loss of personal possessions , loss of your home, and sudden displacement (feeling empty, abandoned, alone)
• Loss of community property - i.e. arenas, recreation centers, bingo halls, band offices, health centers etc. (these are key gathering areas)
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How and where does this happen?
• It can happen anytime, any place and any hour
• Most frequent - winter and spring seasons
• Winter - when fires are most utilized for warmth and cooking; poor quality homes; no fire alarms; no regular inspections in the home
• Spring - grass fires causing catastrophic damage and financial loss to the community
• Vandalism - playing with matches and lighters
• Carelessness - cigarette smoking and falling asleep
• When there is lack of awareness and training in risk management in the community
• Where there is no firefighting equipment or trained or volunteer firefighters in the community
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Where are the challenges?
• Mainly in northern Canada and remote locations
• Lack of firefighting infrastructure in the community
• Lack of training and awareness in the community and leadership in some cases
• Lack of financial resources to address this major growing concern
• Lack of establishing a plan of action (fail to plan; plan to fail)
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What are the solutions?
• A plan of action
• Take action now
• Involve leadership to make it happen
• Also involve key stakeholders i.e. political leaders, government, insurers, brokers, community people, schools etc.
• Education, training, awareness, access to information, get people talking
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Who do we work with to address the issues?
• Community Leaders
• Government – Federal and Provincial
• Insurers
• Brokers
• Educators – Schools
• Elders
• Youth
• Children
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Home Fire Safety – Checklist Recommendations
Yes No
General
Every home should have smoke alarms on every level and rooms
Smoke alarms should be located at least 10 feet from a stationary or
fixed cooking appliance
Smoke alarms are interconnected so when one sounds, they all
sound and are in good working order
Family should have a home fire escape plan
Family practices the home fire escape plan at least twice a year
Windows used for escape open easily - not blocked by furniture,
security bars or nailed/painted shut
Security bars, if present, have a quick release-device
Carbon monoxide alarms should be in working order at all times
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Home Fire Safety – Checklist Recommendations
Yes No
Throughout the Home
Smokers smoke outside the home
Ashtrays are provided outside for smokers
Matches and lighters are stored in a secure cabinet
Lit candles are not left unattended
Flammable liquids, if stored in the home, are limited in quantity
The home is not cluttered with clothes, magazines, and items that
can burn fast
Kitchen
Things that can burn are removed from the stovetop
Small appliances are unplugged when not in use
Adult stays in the kitchen when stovetop is in use
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Home Fire Safety – Checklist Recommendations
Yes No
Bedrooms
All bedrooms have two ways out and are properly fitted for escape
window and a door
Basement
Hot water heater is set at no higher than 120°F
Things that can burn are at least 3 feet from the furnace
Furnace is inspected and cleaned annually
Clothes dryer lint filter and vent pipe are clean
Garage
There is a solid door between garage and residence
Gas powered equipment is stored in an outside shed or garage,
separate from the home
Gasoline is stored in an approved safety container in an outside
shed or garage, separate from the home
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Home Fire Safety – Checklist Recommendations
Yes No
Outside the Home
Outside electrical receptacles are in good working condition
There is no rubbish, trash, brush or tree trimmings accumulation on
the property
Barbecue grill is only used outdoors
Stair Safety
Stair is provided with a handrail(s)
Stair can be illuminated for night time use
Stair tread depth and riser height are uniform
Stair landing nosing projections are consistent with other “nosings”
on the stair flight. (You can determine this by doing a “crouch and
sight” test. Crouch down at the top landing)
(Trips and falls on stairs are a leading cause of home injuries).
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Home Fire Safety – Checklist Recommendations
Yes No
Electrical
Kitchen and bathrooms have GFCI outlets on countertop surfaces
within 6 feet of running water outlets and they are working properly
All receptacle and switch faceplates are installed and in good
condition
Receptacles have been tested and are in good working condition -
no evidence of arcing or overheating
Switches are in good condition - no evidence of arcing or
overheating
Lighting fixture canopies are fastened in place and fixture is in good
condition
Bulbs in light fixtures are the correct wattage for the lighting fixture
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Home Fire Safety – Checklist Recommendations
Yes No
Electrical (cont’d)
Flexible cords and cables are not used as fixed wiring, run through
holes in walls, ceiling or floor, run through doorways or windows or
under carpets or attached to building surfaces
If there are young children in the home, the home has tamper-
resistant outlets
Panel board and distribution equipment is accessible for inspection
and in good condition - no evidence of overheating, corrosion or
other damage
Service entrance raceways or cables are fastened in place,
grounded, readily accessible and in good condition
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Risk Management
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Risk Management
Norway House Cree Nation
Population: 7,000
Location: Northern Manitoba
Travel: 450 km north of Winnipeg via air
10 hour drive via vehicle
12 hour drive via winter road
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Strategic Plan and Process
• Raise the awareness and alarm of the situation to the community members by newsletter, radio, TV and word of mouth
• Develop a contest and award prizes to the 20 best kept homes in the NHCN community
• Establish rules and criteria to those participating in the NHCN Home Maintenance Program (i.e. onsite visits to homes will be conducted)
• Engage existing broker Aon to participate in the NHCN HMP by acting as a judge inspecting the 20 best kept homes with other community representatives
• Establish a community wide celebration and present the awards to the 20 best kept homes in the NHCN
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Roles and Responsibilities
• Chief & Council and senior administration and management - “get the word out” individual home and property
• Chief & Council and senior administration and management - “get the word out”
• Chief & Council, senior administration & management, Housing and Public Works Techs - distribute and provide educational material on home safety and complete a home safety checklist to 1,168 homes in the NHCN
• Aon - contribute financially as a partner to the NHCN Home Maintenance Program and be a judge on home site visits and selecting the winners
• Community Members - take action to deal with any risk management hazards in their own individual home and property
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Norway House Cree Nation
Yard & Housing Maintenance Contest
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Thanksgiving 2013
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Thanksgiving 2013
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Thanksgiving 2013
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Thanksgiving 2013
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Thanksgiving 2013
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2013 Yard & Housing Maintenance
Contest
The purpose of the contest was to:
1. Promote awareness of good yard and home maintenance care
2. Get the members of the community actively involved in yard and home maintenance care and make this an exciting project to be held annually
3. Recognize the contest winners at a large community event in order to demonstrate success
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2013 Yard & Housing Maintenance
Contest
4. With the promotion and education on proper yard and maintenance it would cut down on the loss of homes due to fire or damages, which results in maintaining the housing stock for NHCN
5. Demonstrates a joint partnership between NHCN and AON having similar goals ensuring the care and safety of members
The Yard and Housing Maintenance project was very successful and created a lot of excitement for next year
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Any Questions or Comments?