Insurance Claims from System Inadequacies – part 3

Insurance claims from system inadequacies can be studied from many angles in order to prevent the risk of losses to an organization. This section concludes our three part series on “Insurance Claims from System Inadequacies”.

16. Inadequate Maintenance: Inadequate maintenance (inspection, installation, trouble shooting, record keeping, etc.) becomes a system inadequacy when it leads to accident-causing personnel errors or material failures/malfunctions.

17. Improper Use of Tool, Equipment, or Material: The improper use of tools, equipment, or material becomes a system inadequacy when such use leads to accident-causing personnel errors or material failures/malfunctions.

18. Inadequate Written Procedures for Operations Under Normal Conditions: Inadequate written procedures (SOP, policies, training manuals, procedures) for normal conditions become system inadequacy when they lead to accident-causing personnel errors or material failures/malfunctions.

19. Inadequate Written Procedures for Operations Under Abnormal or Emergency Conditions: Inadequate written procedures (SOP, policies, training manuals, procedures) for emergency conditions become system inadequacies when they lead to accident-causing personnel errors or material failures/malfunctions.

20. Inadequate Supervision or Coordination by Management or Supervisor: Inadequate supervision becomes a system inadequacy when it leads to accident-causing personnel errors or material failures/malfunctions. (Note: Inadequate supervision is more clearly identifiable at the immediate-supervisor level.) Identifying inadequate supervision at more than one level is usually not productive from an accident prevention standpoint. Each instance of inadequate supervision can theoretically, be traced up the management chain all the way to the CEO/President.

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