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Rodziah Ahmad Risk Management Dept. SEFB, COB UUM Sintok, Kedah.
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Learning Objectives
Identify and briefly describe the major tools that
are used in risk identification process Explain why risk identification is generally considered to be the most difficult step in risk management process Identify physical asset, human asset and liability loss exposures Describe the basic legal liability rules and procedures, including the negligence law Introduce workplace safety regulations and other sources of employer liability
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Existing Risk
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Documented info
RISK IDENTIFICATION TECHNIQUE
Undocumented info
checklist
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Direct loss
LOSS EXPOSURE
Punitive damage
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Crime
BASIC LEGAL LIABILITY
Intentional Torts
Strict Liability
Negligence
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rights or a failure to perform a legal duty owed to a certain person or to society as a whole. Three broad classes of legal wrongs:
Crime (against society that is punishable by fines,
imprisonment or death) Breach of contract Tort (law allows a remedy in the form of money damages. Injured person (Plaintiff/ claimant) by the actions of another person (defendant / tortfeasor) can sue for damages.)
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Torts
Intentional Torts Intentional act that results in harm or injury to another person or damage to persons property. Example: assault, libel, slander Strict (absolute) liability Liability is imposed regardless of negligence or fault Example: occupational injury Negligence
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LAW OF NEGLIGENCE
ELEMENT OF NEGLIGENCE
Existence of a Legal Duty Failure to Perform That Duty Damage or Injury Proximate cause relationship
Contributory negligence Comparative negligence Last clear chance rule Assumption of risk
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the safety, health and welfare of people engaged in work or employment. The goals : to foster a safe and healthy work environment OSH may also protect co-workers, family members, employers, customers, and many others who might be affected by the workplace environment.
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OSH is important for : Moral obligations: protection of employee's lives and health. Legal reasons : relate to the preventative, punitive and compensatory effects of laws that protect worker's safety and health. Financial reasons: reduce employee injury and illness related costs, including medical care, sick leave and disability benefit costs
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Heat stress
Electricity Vibrating machinery
Lighting