b'MRCACONVENTION INTEREST CENTERSONOSHA Unfortunately,wehavenophoto orprotected.The coveringmustbeperiodof employment. graphstousewiththis reportof thesecurelyprotectedagainstmovementINSURANCE MRCAmeeting.The Kodak Labora byeithernailingor somemethodofJAMES METZLER, MRCA insurtoriesreportedthatanewemployeeanchoring.In certain instances, guardance consultant, R.B. Jones, Inc., Kanremoved the film from the film holder,rails and toeboards must be provided.sas City, Mo., reviewed the insurance prior to processing, in a lighted room,The Safety Act panel, composed ofneeds of roofing contractors, including exposing all the shots.Sorry.ChairmanEdwinCarlson,Rockford,workmen\'s compensation, liability, fire Illinois, Raymond W.Schultz, Kansasand extended coverage.He suggested City,Missouri,JamesDietz,Daven thatcontractorsanalyzetheirproA T THE 22nd annual convention ofport,Iowa,andGeorgeStephenson,gramstodeterminetheadequacyof theMidwestRoofingContrac St.Louis,made anumberof recom coverage that is broad in both concept tors Association held recently in Kan mendationsonhowtoimplementaand scope. sas City,Mo., the major interest was generatedbytheprovisionsofthecomprehensiveprogram.Theysug Metzlercautionedcontractorsto OccupationalSafetyandHealthActgestedthat one man be appointed asincludea"Completedoperationslia(OSHA).SafetyDirector,andthathehavebilityand/ or productsliabilityinsurThescopeoftheregulationshasweeklyor dailytalksonsafetywithancecoverage"withintheircurrent createdaserious concern as they aretheroofingcrew.MRCAhaspub companyplanofinsurance.Thisis all-encompassing andasingleinspec lished a number of "Tar Kettle Talk"a special extension of the comprehentioncouldtoialupawiderangeofcirculars which can bepassed out onsivegeneralliabilitycoverageandis violations,with each separate job sitea regular basis and discussed with thedesignedto protect against bodily incountingasanentirelynewsetofmen.Ed Carlson has printed a seriesjury or propertydamageclaimsarisviolations,subjecttoadditionalofenvelope-sizecardsadmonishingingfromroofingconstructionoperpenalties.therecipientto"BeAlert"whileatations that have been completed.This Someoftheexamplesgivenhadthe same time a safety tip is illustratedisnotcoverageforworkmanshipor a humorous aspect, such as the regula with alarge photograph.the product used,but intendsrather, tion pertaining to the water supply onAn accident prevention program isto protect the contractor for injury or thejobsitepremises."Where waterimportant anditssuccessshouldnotdamageclaims.Thebasisforthe is cooled by ice, it shall be so that thebe left to chance.Aplannedactionpremium requirement is the gross sales icedoesnotcomeindirectcontactprogram directed towards the recogni orroofingconstructioncostsduring withthewater."Theexplanationtionand elimination of unsafe condi the periodcoveredby thepolicy. givenfor the regulationis thatmanytions,practices,andprocedures,willThispolicyisa"discovery"type years ago, before the advent of refrig get theco-operationof employeesifcoverageinthatthecontractor must eration, it was common to chop blocksit is wellorganizedand properly im have completed operations at the time of ice from rivers,lakes and streams,plemented.Theprogramshouldbe:theallegedbodily injuryorproperty preservingthelargeblocksforsum ( 1)PLANNED - tofittheneeddamage occurs.For example acommer usein "ice storage houses."Oc forcontrolofoperationalprob pletedoperationsliabilitypolicyin casionally contaminated ice from suchlems.forceatthetimeofcompletinga asourcewouldspreadsicknessand(2)ORGANIZED - toencourageroofing project, but discontinued at a diseaseamongtheworkers.Asawilling participation by everyonelater date,with an injury or property (ADMINISTERED - with an in damage occurrence after cancella"f on preventative measure Congress passed3)terest and dedication tosafetytherewouldbenocoverage.H~~ the law which is still on the books and(STIMULATED - toperpetuateever,ifthecontractordidnothave is now apart of OSHA.4) Otherexcerptsfromthelaware:interest and enthusiasmcompletedoperationsatthetimeof "Cuspidorsarenotconsidereddesir (5)EVALUATED-toencompasscompletingaroofingproject,butat able, but if used,they shall be clean new ideas and methods.a later date prior to the bodily injury ableandshallbecleaneddaily,"ASafetyDirector whoismanage orthepropertydamageoccurrence Expectorating on walls, floors or else ment\'srepresentativeinallsafetythe contractor purchases the coverage, whereinthestructureshallnotbeactivities,shoulddevelop,implementandthenthereisabodilyinjuryor permitted."andadministerthecompletesafetyproperty damage claim, the contractor More seriousregulationsconsist ofprograminaccordance with manage doeshavecoverage.Metzlercauitemslike:Laddersmustbefittedment\'s policy.tioned that in view of the "discovery" withsafetyshoes.ThetopoftheAformalsafetycommitteeshouldtypeaspectofcoveragerelatingto laddermustextendaminimumofbeformedtoassistmanagementincompletedoperationsliability,itbethreefeetaboveroof levelandmustmatters relating to the control of em comesextremelyimportanttotreat be secured.The men on the roof mustployeeinjuries.TheSafetyDirector"joint ventures" with special considerwear hard hats at all times on the jobshouldbeassignedasapermanentation.It is vital to continue insurance site.Theymustwearatoolsheathmember of the safety committee.Tocoverage wellbeyond thecompletion and have proper tools to man the job.insuresuccessinanysafetyeffort,of the joint venture operations. TheymustweargloveswithasnugmanagementmustdevelopamethodOtherpoliciesthatshouldbeconfittingcuff,properlyfittingpants,ofcommunicationsthatwillreachsidered were the Contractural Liability preferablywithoutcuffs,andlongeveryemployee.The involvement ofInsurance,asaspecialextensionof sleeved shirts.eachemployeeinthesafetyeffortthe general liability policy, and should Allroofopeningsmorethan12"shouldstarton thefirstdayof em be designed to cover claims for bodily in its least dimension must be coveredployment and continue throughout hisinjury and direct damage to property 8NOVEMBER,1971'