Risk Management Program Design

Decisive Mgmt developed a Standards-Based Risk Management system in response to the increasing reliance on strict liability and negligence per se by the legal system. With the assistance of our client, we endeavor to identify pertinent regulation to which the employer must comply, such as NFPA's Life Safety Code, Nursing Home Compare and Medical Guidelines for the nursing home industry.

After identification is made, computer software is developed and integrated into their operational software across their entire enterprise. The database allows positive outcomes to be recorded and verified for potential use during litigation.

Loss Control Rehab. Clients in danger of being cancelled by their current insurers are rehabilitated through intensive evaluation, training, programs, and loss control therapy.

Each project is tailored to the employer's greatest risk(s), such as the automotive, liability or workers' compensation.

Homebuilders Liability. We developed a format for an insurer to re-loss control an entire general liability program. They became concerned after a series of foundation losses occurred. After research, we found that builders in areas outside municipalities had limited controls and that 2 - 3 additional physical controls would significantly impact the conditions.

HPR (Highly Protected Risk)

• Thorough COPE of larger risks using NFPA codes with respect to fire protection / controls
• Full evaluation of hazard relative to building services / systems such as HVAC equipment, ductwork, approved material about ductwork and service; electrical service condition & maintenance; Plumbing; Roofing
• Full evaluation of risk management programs, activities and leadership with leadership accountability, fire protection equipment inspections, impairment plans, fire brigades / plant emergency teams and hot work controls
• Detailed descriptions of building construction classifications
• Identification and evaluation of fire walls, fire partitions and opening protection
• Ability to provide detailed CADD-based diagrams of properties.
• Ability to calculate ITV and evaluate loss expectancies
• Ability to evaluate existing water supply data
• Ability to provide water supply flow tests and calculate fire protection availability from water supply source
• Ability to evaluate fire sprinkler system protection capabilities, fire pumps, special extinguishing systems and fire alarm systems to current NFPA codes as applicable to the occupancy
• Ability to evaluate Security, Theft, and Burglary exposures as well as Business Interruption and continuity of operations exposures / controls