Defining, Identifying, and Limiting Cyber Crime
We all know that safety is important, but do you realize just how costly a workplace injury can be?
Defining, Identifying, and Limiting Cyber Crime
A vast amount of information is now stored on computer servers and databases, and it’s growing every day. Because that information has great value, hackers are constantly looking for ways to steal or destroy it.
Restaurant Crime: Be ready for the unexpected.
Restaurants are particularly vulnerable to robbery, burglary and theft. As restaurants typically accumulate a large amount of cash, it makes them attractive targets of criminal activity. A criminal also looks for establishments with late-night hours and easy entry or escape.
If you are working in a restaurant, you need to be prepared to deal with restaurant crime. That’s why it is important for you to prepare now so that in the event that the unexpected happens, you will be able to stay calm and react quickly
Minimizing Risks and Seeking Coverage as a Bar or Nightclub Owner
Due to the nature of the business, bar and nightclub owners need to be prepared for more liability and assault and battery claims than most other businesses. With risks specific to the bar and nightclub business, such as patrons getting in fights with security personnel or serving a minor, insurance coverage needs to be adequate and extensive.
Employer Recordkeeping Requirements
Federal laws, such as the Federal Insurance Contribution Act, the Fair Labor Standards Act and the Equal Pay Act and the Civil Rights Act, prescribe the type of employment records employers must create and maintain. Florida law also imposes several recordkeeping requirements on employers that operate within the state.
Employers must observe these recordkeeping requirements in addition to or in conjunction with their federal obligations. The summary below provides an overview of general state recordkeeping requirements for employers. Additional state and federal recordkeeping requirements may exist for your specific industry. Consult with state governmental agencies for more information about recordkeeping requirements that may affect your business.
Auto Insights: Don't Drink and Drive!
Why do I need Non-Owner Auto Insurance?
This type of insurance covers you for damage you cause to someone else’s car in an accident. It also covers liability for injuries to the occupants of the other car or to pedestrians.
You should also consider the coverage if you do not currently own a car but will in the future. Having continuous insurance coverage will help keep your premiums low when you get a new car and purchase a policy for it.
Fall Protection Safety
Fall protection and safety is a major concern at construction sites. In fact, OSHA cites injuries from falls as one of its top 10 worksite injuries.
Falls and falling objects can result from unstable working surfaces, ladders that are not safely positioned and misuse of fall protection. Workers are also subject to falls or the dangers of falling objects if sides and edges, floor holes and wall openings are not protected. Any time you are working at a height of six feet or more on the construction site, you must be protected.
OSHA Inspections Proper Planning Helps Avoid Risks
Inspections are stressful situations. But if you have done your homework, inspected your company regularly and taken steps to eliminate hazards, you have greatly increased the possibility of a good review. Even if you never are officially inspected, selfevaluations may prevent accidents that will save you frustrating downtime, costly overtime, workers’ compensation claim costs, or even a potential lawsuit.
Lessons from the Target Data Breach
No business is immune to a data breach—not even a nationwide retailer like Target. But your business can survive a data breach if you are prepared to handle it and if you have the proper cyber liability coverage to help you successfully respond to it.
Workplace First Aid Basics
First-aid knowledge and decisve action can mean the difference between life and death. If someone requires emergency medical attantion on the job, co-workers in the immediate vicinity should call 911 and, if trained, apply first aid while wating for the paramedics. Although this advice is not meant to substitute formal first-aid trainng, even a basic knowledge of first aid could help in emergency situations.
Slips and Falls,
Slips and falls account for millions of work-related injuries every year. Spot unsafe conditions that could lead to slips and falls and report them immediately.
Keyholder's Insurance, What You Need to Know:
Your business is probably like most: one or two of your employees are vital to the survival of the organization. Consider purchasing key person life insurance to reduce the backlash in the event that one of these key employees leaves prematurely.
Ladder Safety... One Rung at a Time!
Protect Yourself From Harmful Chemicals While Landscaping
You may use a vairety of chemicals while landscaping, including herbicides, pesticides, and fungicides. While these chemicals are often necessary for the proper care and maintenance of gardens, lawns and other parcesl of land, they are all inherently dangerous and need to be handled and store safely.
FMLA and Workers Compensation - Common Questions Answered
The federal Family and Medical Leave Act (FMLA) can be confusing. That's why we have this handy PDF to help answer any questions. We also have a knowledgeable staff to help with any questions you may have outside of this document.
The Basics of Property Insurance
Your livelihood is dependent on the survival of your business, so it's imperative that you protect it against any potential threat - big or small. For example, a fire could wreak havoc on your building or the contents inside - or it could be something more internal, like being able to pay your employees during a loss because you are devoted to repairing damages. These basics will show you the importance of covering your business (and yourself) in the needs for proper insurance coverage.
Cyber Risk & Liabilities
Are you and your business at risk for a cyber-attack? Keep your private information private and help keep your small business running. This article has 10 ways to prevent cyber-attacks and how Atlantic Pacific Insurance can keep you safe if you do experience a cyber-attack.
Employment Practices Liability Insurance
Keep your business safe as you start to grow. From the moment you start the pre-hiring process until your exit interview, you could be susceptible to employment-related lawsuits. Make sure you and your company are safe from this kind of liability.
Protect Our Facility with Chemical Safety
Keeping your chemicals out of reach and safely away from your children is an important step to any home maitenance plan. Use these tips to keep your home safe and what to do if someone comes into contact with chemicals.
Keping your Teens Safe
With spring and summer coming we know that you will need to maintain your lawn and what's better than teaching your teen responsibility by having them do it. Before they begin with the mower, keep them safe by using this helpful hand out:
Returning to Work
We know returning to work can be difficult after an injury on the job. Use this PDF to help you get back into the swing of things and feel comfortable returning to work.
Women May be the Answer to the Construction Shortage
With a shortage in the construction industry, getting more women involved may help provide the workforce needed:
What the Trans-Pacific Partnership Means for Manufacturing:
See how this partnership may affect manufacturing around the world.
Internal Asset Protection in the Manufacturing Field:
Keeping your internal assets safe during the manufacturing process is important, see how this article can help:
Polution Liability and the coverage you need:
Demand for contractors pollution liability (CPL) coverage has been soaring for the past several years, in part because contractors engaged in non-environmental work are being required to purchase it. Make sure your business is properly covered.
Construction Workforce Shortages Lead to Increase in Workplace Injuries
the shortages of qualified, skilled workers in the construction industry may be affecting workplace safety, according to a recent survey from the Associated General Contractors of America. Make sure you and your worksite stay safe.
Commercial Use of 3-D Printing Expected to Grow
Today, 3-D printing is commonly seen as a technology solution that can be utilized by businesses in limited capacities, such as to quickly create a new prototype. However, a Wohlers Associates report estimates that hte commercial market for 3-D printing will rise from $3 billion in 2013 to $20 billion in 2020. Find out how to keep your company involved in the growing business.
Make sure your workers are reporting the correct accidents on the job.
Reporting work accidents is an important part of any job, by reporting these correctly you help prevent them from happening again. Use these tips to encourage people to tell you about accidents and reporting them correctly.
Accidents and hazards are often preventable. Be on the lookout for these things to prevent them from happening. By keeping eyes peeled on the jobsite or on the manufacturing floor you could help prevent an injury or save a life.
Keeping your employees healthy and active could save you a lot in health insurance in the log run.
Could your claims cost be doubling? You can help reduce your business costs by encouraging your employees to live a healthier lifestyle. These tips can help keep workers healthy and bring your bottom line down.
Use these sites to help with loss control:
This list of websites can help you with your loss control needs:
Make sure your construction workers are wearing the proper clothing and gear when working. It could save both of you from serious trouble!
Fashion may be appropriate outside of work, but on the job a construction worker's clothing should be prepared to keep him safe- both from the son and from the hazards of the job. Use this checklist to make sure you elimate unnecessary risk from the jobsite.
How to Properly Conduct an Accident Investigation
Make sure you know how to conduct an Accident Investigation making sure that your workers are safe and accidents don't reoccur.
How to protect your workers from snow on the job.
Work in a cold and snowy environment? Make sure that you safely remove snow and ice from a jobsite before work resumes after a storm or fresh snowfall. By doing this small act you can prevent injury and even prevent fatalities on the jobsite.
Protecting your workers during counter top installation could save them from Silica exposure
Silica exposure is quite hazardous, especially in the installation and finishing of countertops. Stone countertops will always be a popular feature in any home, but keeping those who install it safe should always be a top concern for a construction site. Use these tips to keep your employees safe:
Here are some of the new changes in liability that concern construction workers.
New liability issues are arising from the increasing for the construction industry. We want our construction clients and others to be prepared for these new challenges. This PDF will help addresses these changes and ways to overcome them.
5 Tips to Improve Conveyor Belt Safety
Conveyor belts help items in the manufacturing industry get to where they need to in a way that is easier on parts and employees but there are still some risks when your company has them in place. Make sure that you and your employees know about these 5 tips:
Make sure you and your company know how to handle a recall:
More than 60 million cars were recalled in 2014. When a recall happens a lot also happens with your insurance. See if your plan covers recalls by using the PDF below.
Arc flashes should be properly maintained- here's how:
Arc Flashes occur when a flash of electric current strays from the intended path and travels from one conductor to the other, or to the ground. This uninteded current could cause you and your employees major injury ifthey aren't properly maintained, lucky for us we have ways to help prevent these from happening.
Here are 5 helpful strategies for limiting product liability:
Want to limit your product liability? These 5 tips may help:
Have a passion for finely crafted beer? We do too! See how Atlantic Pacific Insurance can help you and your brewery stay insured.
Craft brewing is not only a fun way to experiment with your favorite bears, but it's a growing industry. We at Atlantic Pacific want to help you and your budding brewery become talk of the town with our coverage insights and tips for selecting the right coverage.
Are you and your family prepared for hurricane season?
Hurricanes, tropical storms, and tropical depressions are common in Southern Florida, but that doesn't mean you shouldn't be prepared. While some storms are more intense than others, using our Hurricane Preparation Checklist could help keep your business afloat during storm season.
Want to cut down on distracted driving? This article can help:
Distracted driving is not only dangerous for those involved, but is also a danger to risk management. CNA has provided some useful and easy ways to reduce distracted driving for your company.
Are you and your business OSHA compliant? Here are some ways to help you make sure you stay in the good graces of OSHA:
OSHA's HCS (Hazard Communicati Standard) has been updated and chemical manufacturers, distributors, and importers must be compliant. See what these new guidelines are and how you can better protect your business from fines and work-related injuries.
OSHA Issues Final Rue for Construction in Confined Spaces
A new is in effect that will hopefully eliminate 780 injuries and 5 fatalities every year, saving an aproximate $33 million each year. Find out what that rule is by clicking the link below.
OSHA has updated its policy on concentrations of chemicals, are you OSHA compliant?
Does your company deal with chemicals on a regular basis? If so, these new OSHA changes in policy may effect your business more than you realize:
Make sure your construction employees are safe while working:
OSHA has recently reported that young hispanic immigrants are getting injured at a higher rate than other workers. Many of the injuries are preventable, this article will show you how to over come these barriers:
Own or involved in a landscaping business? These are the most cited OSHA fines listed for landscape
Owning or being involved in a landscaping company can be tricky work filled with risk, using these tips below could keep you from being fined:
OSHA Announces Temporary Enforcement Policy for Work in Confined Spaces
OSHA has updated some of their policies, make sure that your company is prepared for these changes (that are now in effect) so you don't receive a citation. [Read More]
Limiting Risk Factors for Musculoskeletal Disorders:
The Bureau of Labor Statistics have shown that nearly 1/3 of all accidents that occur in the workplace injuries happen because of musculoskeletal disorders. Make sure you and your company are doing all that you can to prevent these issues from happening: [Read More]
Conducting an Accident Investigation
According to the Occupational Health & Safety Administration (OSHA), an injury or illness is considered work related for a number of reasons. Keep your recordable accidents low by using the article below:
Drug testing proves positive results in decreasing workers compensation modification factors. Effective drug testing may help your company and employees stay safe while on the job.
Accidents Before and After
Too often hazardous conditions come to our attention only after someone is hurt or seriously injured. If you see an unsafe act or unsafe condition, don't ignore it and gamble on you or a friend not getting hurt.
Drive Now, Talk Later
Cell phones cause deadly distractions and are becoming more and more hazardous as new drivers hit the road. Keep you and your loved ones safe:
Clothing For Construction
There's one industry where today's fashions just don't make it. That's construction. Fancy duds are likely to get caught or snagged and cause you to fall or get hurt in some other way. Your clothing should not only be appropriate, but rugged enough to stand up to the use it'll get.
Managing Cost of Injury
Returning employees to work quickly after an on-the-job injury is one of the best ways to minimize workers’ compensation claim costs. Our agency can provide you with the resources needed to effectively manage and control the treatment and rehabilitation process that follows a workplace accident.
As industry experts closely monitor the market, the state of the insurance industry continues to fluctuate. This can be confusing for business owners trying to forecast future insurance costs while experts try to project whether insurance premiums will rise and by how much.
Doubling Your Claims Cost
There's an insidious threat out there ratcheting up workers' comp claims dollars. It's not new, but it's multiplying fast. And as you read this, it's probably already in palce at your company, perhpaps before the first injury of 2014 even occurs. It's called a comorbidity.
Loss Control Web Sites
For your convenience, FCCI Loss Control has assembled a list of Web sites you may find helpful. Please let us know how we can partner with you to help maximize your risk management efforts.
Achieving World-Class Safety: Staying At the Top With Continual Evaluation
Posted @ 3/30/2015 7:14 PM by Chris Wiliams | Files in Workforce & Safety,In This Issue
The lifeblood of a world-class safety program is its culture: people working together, every day, with the same uncompromising core value that every incident is preventable.
The road to a world-class safety program involves a company’s people and processes coming together to form a culture of interdependence, where employees aren’t simply expected to work safely, but also to work to keep others around them safe. It can be a difficult road, filled with many challenges both expected (employee buy-in and performance) and unexpected (lagging indicators and near-miss reports), but the end result is worth it (zero incidents, increased productivity and lower workers’ compensation costs). But reaching that pinnacle brings its own challenge.
All too often, companies that enter into a sustained period of outstanding, world-class safety performance become complacent. After they’ve gone 1 million manhours without an injury, what’s left to achieve?
Unfortunately, complacency breeds regression. It can be subtle at first: a slight, but consistent, reduction in near-miss reports; rescheduling or postponing jobsite safety meetings; or employees walking by their coworkers instead of stopping to help them properly put on a fall arrest harness. These seemingly insignificant factors actually underscore an erosion of the company’s safety culture. When they aren’t monitored and addressed immediately, these small factors can lead to a cascade of failures that ultimately result in increased injuries and the potential for catastrophic consequences.
Truly world-class companies prevent this complacency and regression by continually monitoring and evaluating their safety programs to identify potential trouble spots before they develop. World-class safety programs must evolve to adopt new safety practices, as well as adjust to new and changing climates.
Companies can monitor and evaluate their programs in a number of ways, including:
- annual top-down safety audits, in which the commitment, culture and processes are evaluated for effectiveness;
- regular employee/management “perception surveys” that identify the gaps in what management thinks of the company’s culture, systems and processes versus the perceptions of field employees;
- leadership training to reinforce the consequences of complacency; and
- employee involvement through company-wide and site safety committees.
Once all of the pieces are put together—uncompromising leadership commitment to the belief that every incident is preventable, a culture in which every employee believes in safety as the core value upon which every decision is made and each task is performed, and a system to identify and prevent incidents from ever happening—firms must continually monitor the results and make the necessary changes to their programs in order to maintain world-class performance. By doing so, they can ensure every employee returns home at the end of the day in the same condition as—or better than—when he or she arrived.
Chris Williams is safety director for Associated Builders and Contractors. For more information, email email@example.com.
In Case You Missed It
This is the final installment in a four-part series on achieving world-class safety. Read the first three articles—on the importanceof uncompromising leadership, establishing safety as a core value and putting best practices in place—at www.constructionexec.com.