How Proper Safety Measures Can Reduce Workplace Injuries

Employees who work in a manufacturing setting are exposed to many potential hazards. Hand tools, power tools and machinery can all be dangerous if handled incorrectly or if proper safety precautions aren’t followed. It’s your responsibility as an employer or supervisor to maintain a safe work environment and protect your employees from injury.

The Occupational Safety and Health Administration estimates that employers spend approximately $4 billion a month for workers’ compensation costs, but these costs are nothing compared to the human cost of injuries or deaths that could have been prevented, if only the correct safety measures had been taken.

Hand tool safety

Because they don’t run on electricity, hand tools are rarely considered a hazard, but improper use or poor maintenance of hand tools can lead to injury.

Instruct employees on the proper use of hand tools – for example using a screwdriver as a chisel could cause the tool to break and possibly send bits of debris flying.

Include hand tools in regular maintenance checks. Tools with loose or damaged handles should be replaced or repaired immediately. Tools that are supposed to be sharp, such as a saw, should be properly sharpened. Sharp blades are less hazardous than dull ones. You should also:

  • Provide employees with appropriate protective equipment such as gloves and safety goggles.
  • Use only spark-resistant tools in your workplace, if flammable substances are present.
  • Keep floors clean and dry, and use slip-resistant mats in areas where workers use tools, to prevent falls.

Power tool safety

Whether they’re electric, hydraulic or pneumatic, power tools can cause injury if used improperly. Most employees are aware of the hazards of power tools, but regular training is an important part of workplace safety. As with hand tools, proper use, regular maintenance and the right protective equipment can prevent or reduce accidents on the job.

Machinery safety

Just as with hand and power tools, machinery must be properly maintained in order to run safely and efficiently. Servicing machinery often requires workers to place their hands, head or limbs near or into parts of a machine, and if that machine starts up unexpectedly, serious or fatal injuries can occur.

Lockout devices prevent machines from starting up unexpectedly or the spontaneous release of stored energy in a machine. When lockout devices are used, workers must manually bypass or remove the guard in order to restart equipment. The National Institute for Occupational Safety and Health recommends the use of lockout/tagout devices to reduce the risk of injury.

The failure to follow lockout procedures was the most common safety violation from 2006-2007 according to OSHA, and in more than 50 percent of accident investigations between 1984 and 1997, proper lockout procedures were not followed – or even attempted.

Take responsibility

Each employee is responsible for following safety guidelines, but ultimately it’s your job as the owner or manager to make certain the workplace and all equipment is maintained properly and that proper protective gear is provided and used. Failing to supply workers with the right training and the right equipment could cost your company millions, but more importantly, it could cost a life.

Felicia Baratz is a freelance writer, graphic designer and social media addict living in Indianapolis, IN. As a contributor to ProfessionalIntern.com, Felicia discusses new, innovative technology and it’s relation to the business world and social media marketing.

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5 Emergencies That Business Owners Should Prepare For

Owning a business often seems like jumping from one crisis to another, but there’s a difference between putting out fires around your business and actually fighting a fire in your business. Being prepared for the emergencies that will occasionally rise up can mean the difference between succeeding or failing as a business. As a business owner, it is vital to be ready for some of the most common business emergencies, which can range from physical to financial.

Cash Flow Interruption

For many small business owners, a cash flow interruption can be one of the most serious emergencies you’ll face. It’s very easy for a stop in your cash flow to turn into a full-blown crisis. It’s not uncommon for construction contractors to receive a $20,000 check that bounces, leading to a serious money gap as you try to wrestle free payments from financially unreliable customers. It’s important to have options available in the case of money emergencies. You should already have a line of credit open with your bank to use in times of crisis, but immediately call your service providers like your lenders, contractors and landlord to see if you can  work out new payment arrangements while you restructure your finances.

Worker Injury

No matter what industry your business is in, workplace injuries can occur at any time. This may be more common in fields like construction or engineering, but even office workers can get hurt on the job or while traveling for work. Having adequate worker’s compensation and business insurance can be the difference between a manageable settlement and expensive ongoing medical bills. It’s important to talk to your insurance agent to make sure that everyone who works for your business, including your subcontractors, are covered by your policies to ensure you don’t take a huge financial hit from an employee injury.

Website and Network Outage

Your website is a vital part of your business, especially if you use your site for e-commerce purposes. While having an attractive website is important to bringing in customer traffic, having an active website is even more important. Website downtime can be incredibly expensive and detrimental to your business. A few years ago, Amazon.com went down for just two hours, costing them an estimated $3.6 million. Obviously few companies operate at Amazon’s level, but if you have a site with 5,000 unique daily visitors, even a 20-minute outage can mean nearly 100 lost visitors. Avoiding network downtime altogether is nearly impossible, but using a remote network monitoring service like iGLASS Networks can help you know immediately when your network goes down and address any issues to resume service.

 Lawsuit

You can never know when a client, customer or employee will decide to bring a lawsuit against your company, but it is important to be prepared and to know your options. Keeping an attorney on retainer is unrealistic for most small businesses, but many states offer a slate of resources to help business owners cope with legal issues. For instance, the Florida Department of Business and Professional Regulation will investigate any claims of shoddy workmanship made against your business. Their findings carry significant weight in any trial, so it’s important to know the options at your disposal.

Physical Emergencies

While you can see some disasters – like Hurricane Sandy – coming in advance, other natural disasters and emergencies can sneak up out of nowhere and take you by unwanted surprise. It is possible to be prepared for even the most surprising emergencies. Events like office fires, floods or burglaries take a toll on more than just your property; they can also lead to cash-flow problems and battles with your insurance companies. There are a few steps to take to minimize the damage caused by these emergencies, however. Make sure your facilities have adequate emergency response equipment, that your employees are properly trained to respond to problems and that your insurance will cover any costs you accrue while responding to an emergency.

Rainier Fuclan is a freelance writer for Work Comp Specialists, the largest agency in the state dedicated to workers comp insurance in Florida and Florida business insurance.

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Awesome Affiliates: Shana Spiker of SJB Insurance Agency

Our affiliate this week Shana Spiker knows commercial insurance like the back of her hand and is here to answer some of the biggest questions that small businesses face. Why do you need liability insurance and what does E&O do exactly are among a few on our Q&A session with Shana. Keep reading to find out more below!

Without the right business insurance coverage, your business could suffer financial ruin due to a catastrophic loss or legal lawsuit. Obtaining commercial insurance unique to your business needs will allow you to plan for the worst case scenario, maintain a successful, viable business and provide peace of mind. SJB Insurance Agency can review and assess your business needs for complete protection of your business.

Over 78% of all U.S. businesses are structured as a partnership or sole proprietorship, according to Bizstats.com.  For the majority of small business owners, this form of ownership puts your business and personal liabilities at risk.  Owning business liability insurance protects both your business and personal life from financial ruin.  There is so much at stake and the cost of this business insurance coverage is so inexpensive that you’re really not doing yourself any favors if you don’t protect yourself by having business liability insurance – regardless of how your business is structured.

What does Business Liability Insurance cover?

If you are sued for personal injury or because of damage to property, you’re covered for the claim and the legal defense costs with most policies.

In many cases, you can buy a generic policy known as General Liability Insurance.  This will provide the benefits mentioned above.  If you provide professional services, you should consider buying errors and omissions insurance in addition to the general liability policy.  If you manufacture a product, you should protect yourself with a product liability insurance policy.

Do I need to have workers’ compensation insurance?

Yes, California law requires employers to have workers’ compensation insurance if they have even one employee. (Out-of-state employers may need workers’ compensation coverage if an employee is regularly employed in California or a contract of employment is entered into here.)

Who Needs E&O?

While errors and omissions insurance has been a hot item for doctors, lawyers, financial services professionals and realtors, all businesses face professional liability risk.  To determine whether you need E&O, ask yourself : “Can I afford to wage or lose a civil lawsuit arising out of professional error on my part?”  For the majority of small businesses, the answer is no.  That’s because the American legal system tends to severely punish professional error with awarded judgments in seven figures and up.  Even if you win a lawsuit, there’s the question of paying the lawyers.

If you subject E&O to a quick risk-benefit analysis, you’ll see that the annual premium, which is generally affordable is well worth the protection.  Remember, the vast majority of small businesses can be shut down by a single unfavorable ruling in court.
SJB Insurance Agency specializes in all lines of commercial insurance.

With 16 years of experience, agent Shana Spiker can help protect your business with the proper commercial insurance.  As a broker, SJB isn’t captive with just one insurance carrier but has access to many carriers including admitted carriers; Progressive, CNA, The Hartford, Travelers, Employers, Everest, Zenith and Zurich.  SJB has markets for all commercial insurance coverages needed:

  • Commercial General Liability
  • Commercial Property
  • Earthquake
  • Workers’ Compensation
  • Errors & Omissions
  • Umbrella/Excess Liability
  • Commercial Auto and Garage Liability
  • Flood
  • Employment Practices Liability
  • Directors & Officers Liability
  • Business Owners Package

Please contact us for all your commercial insurance needs.

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