25002036_MThe workplace can be dangerous. From hazardous chemicals to heavy objects and dizzying heights, there are numerous safety challenges to overcome to keep all employees healthy and secure. Despite our efforts though, one of the most common workplace injuries continues to linger right under our noses — or, in this case, our ears.

According to the Centers for Disease Control, workplace-related hearing loss is the most common workplace injury in the United States. Each year, the CDC states, about 22 million American workers are exposed to potentially dangerous levels of occupational noise. As far as OSHA is concerned, an acceptable limit for work noise exposure is 90 A-weighted decibels throughout an eight-hour day. For reference, the CDC estimates an average hand drill creates about 98 decibels of noise.

Monetarily, the noise issue can be deafening — the U.S. Department of Labor believes employers across the country spend an annual $242 million on worker’s compensation claims related to workplace-related hearing loss. In 2015 alone, businesses paid more than $1.5 million in fines after being cited for providing inadequate protection to employees in noisy environments. People affected by this kind of hearing loss may find the normal sounds of the world both dulled and replaced by a constant ringing. For many, the damage to their hearing can be debilitating and isolating, causing both personal and professional issues.

Luckily, hearing loss isn’t a foregone conclusion. While some workplaces will always be noisy, we can take measures to block out potentially damaging decibels. By instituting policies that protect your workers’ hearing, you’re also helping to protect your own bottom line.

??????????????????????????????????Your business is a big part of your life — that’s why you’ve decided to protect your assets with business insurance. But if there’s an incident, accident, or issue, do you know how to use your insurance coverage to your advantage? Here are some things to keep in mind in case you face an event like:

  • Electrical fire that damages your property or equipment, shutting down your business
  • A break-in or theft, resulting in loss of merchandise or equipment or property damage
  • Customer or employee injury on company property
  • Damage from a natural disaster that renders your business inoperable

So, what now?

  1. Respond to the immediate threat: Make sure everyone is safe or that injuries are being addressed. This might mean evacuating your property or calling for medical treatment.
  2. Contact the police: If your claim is going to report theft, burglary, or something similar, you’ll want to contact local law enforcement as quickly as possible to begin the process of both helping to recoup lost property, find the person responsible, and begin collecting the necessary reports and paperwork.
  3. Contact your insurance company and insurance representative as soon as possible. They’ll be able to give you the specific next steps that apply to your situation. Contacting them as soon as possible will help you better mitigate damages and keep your business operational, or at least get it back on track to being operational as quickly as possible. For specific incidents, an insurance adjuster may be sent out to begin assessing the damage.
  4. Stay organized: Your claims process is going to involve a lot of paperwork, so make sure you’re staying organized throughout the process. If you’re conducting temporary repairs, keep your receipts. Keep an inventory of anything that’s damaged or lost and keep a digital record of the list. Take pictures of damages or other relevant things and store them digitally for easy emailing to your agent and other parties. You’ll need to provide proof of loss and holding onto all documents in an easily accessible location will be a big help.

Our job is always to make sure that your business and assets are protected and make the whole process as painless as possible. If you need business insurance or need to start the process of filing your claim, get in touch with us today.