Risk Management defined The process of making and implementing decisions that will minimize the effect of accidental loss on an organization.
Risk Management, its importance today. Risk management is the foundation for all insurance, without which, you are building on quicksand in our litigious culture of today. Today we need leaders with integrity who are risk management focused, because they have a clear vision of people, property, litigation, and financial loss. People want to know that they and their children are safe with your organization's programs, transportation, employees and volunteers, property, and that data record integrity is important. It is most unfortunate, today, that we live in a society that has far too often chosen to overlook the fact that there are consequences, which can be both good or bad, for the choices we make concerning our actions, what we think, say, or whatever else, which might have an effect on ourselves or the organization we have chosen to be a part of. This choice often leads us down a path of negligence which is the basis of a lot of property damage, loss of life, limb, moral indigressions, as well as most litigation today against ourselves and the organizations we are a part of, it is the premise for today's risk management and reason for its necessity.
Named Insured______________________________________ Policy No. _______________
Location address_______________________________________________________________________________
Occupancy ____________ Premise and building # __________________
Please place an ''x'' by each that applies and explain all deficient items or make necessary comments. Complete a copy of this survey for each main building; note the building section below.
Our agency has inspected or reviewed inspection reports for the entire premises and interior of the building to collect this data. Comments:__________________________________________________________________________________
Risk factors for Review:
- Personal Property and Scheduled Property Inventories completed? Reviewed yearly?
- All personal property equipment and machines serviced in the last 12 months?
- Heating & Air Conditioning units checked & serviced in the last 12 months?
- Exit lights checked & serviced in last 12 months?
- Smoke detectors & Co detectors checked & serviced in last 12 months?
- Fire Extinguishers serviced in last 12 months? Date __________
- Crisis plans in place with practice done, exit routes properly marked and displayed in people rooms?
- Central Station or other alarm certificate on file in our office?
- All down spouting and eves in good working order? Date of last inspection ________
- All furnace and mechanical rooms are free of flammables and clutter? Date of last inspection ________
- No signs of roof needing replaced/repaired? Age of roof ____ Date of last inspection______
- No paint is needed on outside of building and no visible graffiti?
- No tuck-pointing (mortar joints between bricks) necessary?
- No visible structural hazards such as cracks in walls, foundation or bowed/bulging walls?
- No exposed wires? Date of last electrical inspection by a licensed electrician________
- No plumbing deficiencies? Date of last inspection _______________
- No torn carpeting or worn/defective flooring that could create trip and falls?
- No outlets overloaded by improper use of extension cords?
- No visible interior water damage on ceilings or walls?
- All windows and frames are in good repair?
- Good housekeeping is evident? ( This includes a clean and orderly kitchen if there is one)
- Are there any building changes or additions planned that we should discussed?
- Claims hisory reviewed? Comments or Recommendations:___________________________________________________________________
- Parking areas and driveways are in good repair with no potholes or other trip and fall hazards? Comments or Recommendations:___________________________________________________________________
- Steps and sidewalks are in good repair with no cracking, uneven surfaces, chipping? Comments or Recommendations:___________________________________________________________________
- All indoor and outdoor steps and stairways have sturdy handrails in place? Comments or Recommendations:___________________________________________________________________
- All exit ways and aisles are unobstructed? Comments or. Recommendations:___________________________________________________________________
- Reviewed all property and liability risks for possible action as client has brought those known by them to our attention. Recommendations:___________________________________________________________________
- Updated data for the number of employees and volunteers that assist your organization in its day to day operations.
- Sexual Misconduct risk management completed, reviewed forms _______________________________
- Employment & Volunteer Applications reviewed for risk management points ________________________
- Employment & Volunteer Handbooks reviewed for risk management points __________________________
- Enplowment benefits review in the last 24 months? __________________________________________
- Work Comp issues reviewed recently? ____________________________________________________
- OSHA issues reviewed? _______________________________________________________________
- Transportation risk management completed, reviewed forms: ___________________________________
- Updated vehicle lists and coverage reviewed. This should include vehicle use changes , and adds.
- Are there any additional organizational programs we should discuss?
- Are there any buildings or property given to the organization?
- Are there any building projects completed or planned that we should discuss?
- Are there any building or property that should be deleted because it has been sold or demolished?
- Are there any operations that have changed, added, or discontinued?
- Business continuations plans reviewed and modified as needed in the last 24 months?
- Data security and integerty issues reviewed and modified as needed?
- Building and grounds security issues reviewed and modified as needed?
- Communications and publication issues reviewed and modified as needed? (this includes web site data and its use)
- Financial audit completed with its issues reviewed and procedures modified as needed? Last one completed? _______
- Inventory audit completed and reviewed with its security for modifications as needed? Last done? __________