Lockton Companies 18 | HEALTHCARE RISK MANAGEMENT REVIEW | Annual 2016 • If a patient tests positive, report the case to public health authorities quickly. RISK TRANSFER SOLUTIONS FOR LIABILITY ARISING FROM A LEGIONNAIRES’ OUTBREAK Legionella, outbreaks of Legionnaires’ disease will occur. An environmental liability insurance policy can provide a backstop to an organization’s risk management program when such outbreaks do occur. General liability policies should not be relied on for coverage as most currently attempt to avoid such claims via pollution or mold/fungi exclusionary language. Environmental liability policies can be structured to address multiple sources Legionella including: • Third-party litigation for bodily injury and property damage— damages and defense costs; • Disinfection and emergency response expenses; • Evacuation, relocation and business interruption expenses; • Crisis response (image/reputation protection and restoration); and • Given the frequency of Legionnaires’ outbreaks involving nearby construction or renovation, healthcare organizations should attempt to contractually transfer risk to contractors and their subcontractors, as well as coverage in place. The environmental liability coverage, within the healthcare organizations’ organization. Contact a Lockton associate to conduct a thorough review of your exposures and develop a comprehensive environmental liability insurance program. Mike Egan is unit manager, senior vice president at Lockton Companies. He can be contacted at: firstname.lastname@example.org Further resources: The CDC Vital Signs Report – http://www.cdc.gov/mmwr/volumes/65/wr/ pdfs/mm6522e1.pdf Legionella growth. Eleven of these cases were outbreaks within healthcare facilities. For the most part, the those within all organizations which had an outbreak reviewed by the CDC. TOOLS FOR PREVENTION OF LEGIONNAIRES’ OUTBREAKS Legionnaires’ outbreak. “Many of the Legionnaires’ disease outbreaks in the US over the past 15 years could have been prevented,” said CDC director Tom Frieden of the Vital Signs report. “Better water system management is the best way to reduce illness and save lives, and today’s report promotes tools to make that happen.” The CDC provides suggestions and tools that building owners and managers can follow to prevent future outbreaks of Legionnaires’ disease. They include: 1. A new toolkit Developing a Water Management Program to Reduce Legionella Growth & Spread in Buildings: A Practical Guide to Implementing Industry Standards (www.cdc.gov/legionella/maintenance/wmp-toolkit.html) that includes: • A simple worksheet to determine if any part of your building is at increased risk for Legionella: the CDC Assessment Worksheet - http:// www.cdc.gov/legionella/maintenance/wmp-risk.html • An overview of a Legionella water management program; • Information on common water quality problems and response options to reduce the risk for Legionella; and • Additional insight for healthcare workers. 2. A link to learn more about and how to follow the standards for Legionella water management programs that was published by ASHRAE in 2015: The ASHRAE Standard for Legionellosis: Risk Management for Building Water Systems (must be purchased) - https://www.ashrae. org/resources--publications/bookstore/ansi-ashrae-standard-188-2015- legionellosis-risk-management-for-building-water-systems 3. Determine if the water systems in their buildings are at increased risk of growing and spreading Legionella. 4. Be vigilant in monitoring your water quality particularly when there is unoccupied for some time. This is especially important for healthcare facilities where failure to respond to such an external change was commonly a contributing factor to an outbreak. the prevention and spread of Legionnaires’ disease: • Educate patients about their risk of pneumonia, including Legionnaires’ disease, and the importance of seeking care quickly if they develop symptoms. • Test patients for Legionnaires’ disease if they have serious pneumonia, especially those who have been staying at a healthcare facility, hotel, or on a cruise ship. Use a urinary antigen test and a culture from a lower respiratory specimen (eg, sputum). In the 27 land-based fi eld investigations the CDC analyzed, healthcare facilities were the location of 40% of the outbreaks. Nearly 65 percent of the confi rmed cases and nearly 90 percent of the 65 Legionella-related deaths occurred in healthcare facilities. The median mortality rate for Legionella outbreaks was three times higher in healthcare facilities than the overall mortality rate.
HRMR Annual 2016-17
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