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Protect Outdoor Workers from Extreme Cold

During this winter’s extreme cold spells, caused by a polar vortex creating frigid temperatures, workers are at added risk of cold stress. Increased wind speeds can cause air temperature to feel even colder. This increases the risk of cold stress for those working outdoors—including snow cleanup crews, construction workers, postal workers, police officers, recreational workers, firefighters, miners, baggage handlers, landscapers and support workers for the oil and gas industry.

The U.S. Department of Labor notes that what constitutes extreme cold and its effects can vary across the country. In regions that are not used to winter weather, for example, near freezing temperatures are considered “extreme cold.” Because a cold environment forces the body to work harder to maintain its temperature, as temperatures drop below normal and wind speeds increase, heat can leave the body more rapidly.

Wind chill is the temperature felt by the body when air temperature and wind speed are combined. For example, when the air temperature is 40°F, and the wind speed is 35 mph, the effect on exposed skin like an air temperature of 28°F.

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Cold stress can occur when the skin temperature goes down and the internal body temperature (core temperature) drops. This can lead to serious health problems and also cause tissue damage and possibly death. Exposed workers are vulnerable to hypothermia, frostbite and trench foot, the DOL said.

Some risk factors that contribute to cold stress are:

  • Wetness and dampness, dressing improperly and exhaustion
  • Predisposing health conditions such as hypertension, hypothyroidism and diabetes
  • Poor physical conditioning

The DOL recommends that employees working in frigid temperatures avoid alcohol, smoking and some medications to help minimize risks.

The best way to avoid cold stress is by wearing proper clothing. The type of fabric makes a difference as well. For example, cotton loses its insulation value when it becomes wet, while wool, silk and most synthetics retain their insulation even when wet.

Here are some clothing tips for workers in cold environments:

• For better insulation wear at least three layers of clothing: An inner layer of wool, silk or synthetic to wick moisture away from the body; a middle layer of wool or synthetic to provide insulation even when wet; and an outer wind and rain protection layer that allows some ventilation to prevent overheating.  Avoid tight fitting clothing.

• Wear a hat or hood to help keep the entire body warm.

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Hats reduce the amount of body heat that escapes from the head.

• Wear insulated boots or other appropriate footwear.

• Keep extra clothing (including underwear) handy in case clothing gets wet.

• Do not underestimate the wetting effects of perspiration. Venting of the body’s sweat and heat can be more important than protection from rain or snow, according to the DOL.

The Occupational Safety and Health Administration (OSHA) also issues guidelines. For example, because it is easy to become dehydrated in cold weather, employers can provide warm sweetened liquids to workers. Additionally:

• If possible, schedule heavy work for the warmer part of the day. Assign workers to tasks in pairs so that they can monitor each other for signs of cold stress.

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• Allow workers to interrupt their work if they are extremely uncomfortable.

• Give workers frequent breaks in warm areas.

• Acclimatize new workers and those returning after time away from work by gradually increasing their workload. Also allow more frequent breaks in warm areas to help them build tolerance for working in the cold environment.

These and other safety measures should be incorporated into the organization’s health and safety plan.

Widening Wealth Gap Is Biggest Global Risk, World Economic Forum Predicts

Wealth Disparity

According to the World Economic Forum’s Global Risks 2014 report, the chronic gap between the incomes of the richest and poorest citizens is the risk most likely to cause serious global damage in the next decade. Looking forward, the 700 experts queried emphasized that the next generation will only feel this disparity more acutely if current conditions continue. Those presently coming of age face “twin challenges” of reduced employment opportunity and rising education costs, prompting the World Economic Forum to consider the impact on political and social stability as well as economic development.

“Many young people today face an uphill battle,” explained David Cole, group chief risk officer of Swiss Re. “As a result of the financial crisis and globalization, the younger generation in the mature markets struggle with ever fewer job opportunities and the need to support an aging population. While in the emerging markets there are more jobs to be had, the workforce does not yet possess the broad based skill-sets necessary to satisfy demand. It’s vital we sit down with young people now and begin planning solutions aimed at creating fit-for-purpose educational systems, functional job-markets, efficient skills exchanges and the sustainable future we all depend on.”

After a widening global wealth gap, experts predicted that extreme weather events will be the global risk next most likely to cause systemic shock on a global scale. They identified fiscal crises as the global risk with the potential to have the biggest impact over the next 10 years.

The top five most likely and most potentially impactful global risks are:

Most Likely Risks

1. Income disparity (societal risk)

2. Extreme weather events (environmental risk)

3. Unemployment and underemployment (economic risk)

4. Climate change (environmental risk)

5. Cyberattacks (technological risk)

 

Most Potentially Impactful Risks

1. Fiscal crises (economic risk)

2. Climate change (environmental risk)

3. Water crises (environmental risk)

4. Unemployment and underemployment (economic risk)

5. Critical information infrastructure breakdown(technological risk)

New Year, New Natural Disaster Emergency Plans

Along with January renewals and analyzing whether existing policies offer sufficient coverage, the new year is a perfect reminder to review company-wide emergency plans. While 2013 may have been a relatively light year for catastrophe losses, there’s no reason to assume 2014 will be, too.

Check out this infographic from Boston University’s Masters in Specialty Management program for a jump-start on identifying the risks of natural disaster and updating plans for how to handle any emergency:

Survive a Natural Disaster

 

Winter Weather Third-Largest Cause of Cat Losses

Winter Snow Storm

Weather damage never goes out of season. According to a new report from the Insurance Information Institute (I.I.I.), winter storms are historically the third-largest cause of catastrophe losses, behind only hurricanes and tornadoes.

“Winter storms accounted for 7.

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1 percent of all insured catastrophe losses between 1993 and 2012, placing it third behind hurricanes and tropical storms (40 percent) and tornadoes (36 percent) as the costliest natural disasters,” said I.I.I. President Robert Hartwig.

Insured Catastrophe Losses

Between 1993 and 2012, winter storms resulted in about $27.8 billion in insured losses—or $1.4 billion per year, on average, according to Property Claims Service for Verisk Insurance Solutions.

A December ice storm in North Texas left at least $30 million in residential insured losses in its wake, the Insurance Council of Texas reported. This figure does not include estimated damage to vehicles or government property, nor does it take into account the significant municipal expense of safety or cleanup measures. Dallas County alone spent 0,000 to 0,000 just to battle slick roads, according to conservative estimates from County Judge Clay Jenkins.

He told Insurance Journal that, while sanding and salting roads constituted some of the county’s greatest efforts, the biggest cost came from closing offices, including the court system. Weather-related shutdown resulted in lost productivity of about .

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5 million, he said.

Nation-wide, December weather caused total economic and insured losses estimated in the hundreds of millions of dollars and claimed 29 lives, Aon Benfield reported.

But 2013 should have made some fair-weather friends in the insurance industry. Last year, according to Munich Re, direct overall losses caused by global disasters amounted to around $125 billion and insured losses of around $31 billion. While exceptionally costly, these were below the 10-year averages of $184 billion and $56 billion, respectively.