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Sr Underwriter, Environmental Property & Casualty, 九色视频, AXA XL

According to the Municipal Solid Water (MSW) site1, Americans generated 251 million tons of trash in 2012. While 53.8% of it was discarded in landfills and 11.7% was combusted for energy, 34.5% of it was recycled or composted and that includes 96% of all lead-acid batteries that were recovered and about 70% of newspaper/mechanical papers recycled. There’s no doubt that recycling benefits us all and our environment. Recycling helps to conserve natural resources and reduce greenhouse gas emissions that contribute to global warming. According to the EPA, recycling one ton of aluminum cans saves the energy equivalent of 36 barrels of oil or 1,655 gallons of gasoline. Recycling includes three basic steps: collecting the recyclables, processing and manufacturing of new products from the recyclables and ultimately the purchasing of these new products made from recycled materials. Many products today -- including newspapers and paper towels; aluminum, plastic and glass soft drink containers; steel cans; and plastic laundry detergent bottles -- are manufactured with recycled content. And recycled materials are also being used in new ways such as recovered glass in asphalt to pave roads or recovered plastic in carpeting, park benches and residential fences. Recyclers’ Risks As more of us look to recycle more of our waste, the recycling industry continues to grow, at a rate of approximately 12.4% annually. Working in the recyclable area is now ranked in the top ten of the most dangerous jobs in America, along with loggers, fishers, aircraft pilots, roofers, structural iron and steel workers, electrical power-line installers and repairers, truck drivers, farmers and construction workers. Recycling companies face a wide range of risks and hazards from ergonomic risks to those picking up the recyclables to the risk management of storing, processing and manufacturing the end products. While more companies’ use of automated trucks have contributed to these better safety numbers, it takes more than a few state-of-the-art trucks to achieve good safety statistics. Companies need to take continuous control measures to maintain reasonable workers compensation and health insurance rates, lost work time and worker replacement cost expenses. Attention to safety precautions – especially on the most some of the simplest tasks – can’t be overlooked. That’s because the biggest causes of the more expensive workplace injuries result are not from accidents but from fairly typical routine activities – like lifting and pushing, which are still the number one cause of on-the-job injuries in the waste industry. Back Injuries, which are often the result of improper lifting, are one of the most prevalent and costly work-related injuries in the US, averaging nearly $8500 per workers compensation claim, approximately double the cost of the average injury claim. Back injuries cost US businesses between $50 and $100 billion per year. So quite simply, implementing practical ergonomic solutions – to help employees prevent back injuries -- can help companies save time and money with surprisingly little time and investment. Correcting safety exposures starts with taking a practical look at the way things are done. Through an ergonomics task analysis, recyclers are able to examine how tasks are performed and determine the actions that can put unnecessary stress on tendons, joints, nerves or muscles that, in turn, can result in injuries. Ergonomic analysis help pinpoint potential problem areas known to result in injuries, such as: • Excessive Repetitiveness: An employee’s risk of developing an ergonomic disorder, such as carpal tunnel syndrome, increases as the repetitiveness of a task increases. • Too Much Energy: Overexertion is the excessive use of energy to perform a task that can lead to back problems. The speed with which an employee moves arms, wrists and fingers can also be an indicator of potential ergonomic stress. • In One Position Too Long: Sitting for a long period of time is an example of static loading. Extended work periods can increase the risk of cumulative trauma disorders. • Bad Posture: Extreme deviations from neutral body posture increase safety risks. • The ‘Wrong’ Equipment: The ‘right’ equipment may mean adjustable seating, foot stools, tools with longer handles, floor mats, back belts, or other equipment depending on the workplace and what’s required of its workforce. • Too Little Training: It’s important to educate or reminder employees on proper lifting methods, posture, and even the importance of taking some time away from a task. Curbside Safety Additionally, many recyclers offer their customers trash containers designed for a more ideal collection system. These containers have specially designed hands for better grasping that encourages power grips and neutral wrist positions. Another strategy that has helped companies reduce employees’ bending and lifting activities is to promote bulk recycling pickup. This typically requires a bigger collection can which requires less bending or mechanical lifting during pickup. As waste company tasks rely on customers and how they place their trash for pick up, customer education is another strategy for a safer workplace. Educating customers through hand-outs and flyers outlining your efforts to improve employee safety may encourage customers to improve their disposal practices. That means that each of us who participate in curbside recycling programs can help our recycling companies reduce potential injuries. Recyclers are finding new and creative ways to improve their operational efficiencies and in turn, provide a safer work environment. Improving safety through education, communication and training needs to be as much of a habit for recycling companies as recycling is for more and more US households. By reducing the risks associated with recycling, both recyclers and their customers will reap more rewards.

Working in the recyclable area is now ranked in the top ten of the most dangerous jobs in America, along with loggers, fishers, aircraft pilots, roofers, structural iron and steel workers, electrical power-line installers and repairers, truck drivers, farmers and construction workers.

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Global Asset Protection Services, LLC, and its affiliates (鈥溇派悠礡isk Consulting鈥) provides risk assessment reports and other loss prevention services, as requested. In this respect, our property loss prevention publications, services, and surveys do not address life safety or third party liability issues. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. The provision of any service does not imply that every possible hazard has been identified at a facility or that no other hazards exist. 九色视频Risk Consulting does not assume, and shall have no liability for the control, correction, continuation or modification of any existing conditions or operations. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any document or other communication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, 九色视频Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with our services, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

US- and Canada-Issued 尤物视频Policies

In the US, the 九色视频insurance companies are: Catlin 尤物视频Company, Inc., Greenwich 尤物视频Company, Indian Harbor 尤物视频Company, XL 尤物视频America, Inc., XL Specialty 尤物视频Company and T.H.E. 尤物视频Company. In Canada, coverages are underwritten by XL Specialty 尤物视频Company - Canadian Branch and AXA 尤物视频Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following 九色视频surplus lines insurers: XL Catlin 尤物视频Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor 尤物视频Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.