November 21, 2008
Risk management and loss control have become sophisticated subjects involving detailed analyses of potential risks, oftentimes with the use of computer modeling. But don't let the small stuff slide. Slips, trips, and falls can create ill will to your customers or clients, and result in lost time if your employees are injured.There are some checklists that cover everything from frayed carpet to...
November 14, 2008
If you are located in an area that is frequented by winter storms, you know it is not too early to make sure you are prepared for winter snow removal. Whether you have your own equipment and do it yourself, or you hire a snow removal contractor to do the work for you, now is the time to review your plans or inspect your equipment to make sure you are ready.For a handy checklist for either...
November 2, 2008
In most states, principles of common law, specifically the “dual employee” doctrine, addresses the issue of who is responsible for workers’ compensation coverage for temporary employees. The doctrine considers loaned, leased, or temporary workers as employees of both the labor service and the client company. If a worker is injured, workers’ compensation...
October 17, 2008
Cell phones play an integral role in our society. However, the convenience they offer must be judged against the hazards they pose.Many businesses are increasingly prohibiting workers from using cell phones while driving. The Insurance Information Institute, New York, cites both Exxon Mobil and Shell as examples of large companies that ban employees' use of cell phone while driving during...
October 13, 2008
With the emphasis on fire prevention during the month of October, now is a good time to review your procedures for preventing fires in the workplace. The experts remind you of the importance of having a plan, maintaining good housekeeping methods, staying current with preventive maintenance, and installing fire detection systems.You also need to know how to respond in the event of a fire, as well...
October 3, 2008
October is National Fire Prevention Month, when you are reminded to change the batteries in your smoke detectors at home. For your business, it can be a reminder to schedule a fire drill and review fire prevention measures with all employees.To protect your property from fire, start with the roof of your building(s). Some roofing materials, such as asphalt shingles and especially wood...
September 30, 2008
Traffic accidents are the No. 1 cause of on-the-job fatalities, according to the Insurance Information Institute. Effective risk management can reduce the number of injuries and deaths, and the potential liability lawsuits that may result from accidents in which employees were involved.
September 19, 2008
The pop culturists and self-help gurus often tell you to focus on the big picture and “don’t sweat the small stuff.” In other words, don’t worry about minutiae that you can’t control anyway.Perhaps good advice for living a happy and peaceful life, but when it comes to maintaining a safe and healthy workplace, you do need to “sweat the small stuff.”...
September 12, 2008
September is National Preparedness Month, and you don’t have to look far to find businesses and households dealing directly with the subject. Emergency preparedness is no longer the concern of only those located on the coast of Texas or Louisiana facing hurricanes, or in California’s earthquake zone, or in the Midwestern tornado alley. Last week’s observance of the Sept. 11...
September 5, 2008
Tropical storms and hurricanes, Midwest flooding and California wildfires highlight the need for business owners to have adequate insurance coverage to cope with damages caused by such catastrophes.When you think of property damage, damaged roof, broken windows or cleaning up debris from fallen trees come to mind. But what if your business is without power for more than a brief period? Or...