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?
- 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.
- 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.
- 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.
- 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.Posted in Uncategorized | Leave a commentSeptember 25, 2019
It’s no secret that a lot of us who have office jobs could use a little more exercise. Sitting for long periods each day can cause health issues over time, and put strain on your back and neck. The answer? You just might want to try to fit a workout into your schedule at work!
Exercising while you’re at work is easier than you may think. And no, we’re not talking about running back and forth from your desk to the copy machine. Check out the easiest, most efficient and effective ways to exercise at work (and they’re inconspicuous too!):
Stretch it out
It’s important to stretch when you’re sitting all day in order to keep the blood flowing, and to keep your muscles from becoming tense. First try rotating your wrists in circles for a few moments, while doing the same with your ankles. Then move on to simple, basic stretches such as touching your toes. Ease into any stretch if you’ve been sitting in one position for a long time, though, to prevent injury.
Replace your chair with an exercise ball
When we sit in the same computer chair for hours a day, it can begin to become troublesome to our health. Lower back issues and poor posture are just a few among many complications related to spending too much time sitting down. Replacing your chair with an exercise ball is an easy fix! You may feel a little silly sitting on one of these in front of your coworkers at first, but maybe you’ll inspire them to try it, too. Sitting on an exercise ball instead of a chair will help you to retain better posture, and also develop your leg and core muscles used to keep balance.
Doing desk push-ups may seem a little ridiculous, but it’s a simple way to really work your arms and chest. The next time that you have a moment between phone calls and emails, try leaning up against your desk and doing 10 push-up reps while leaning forward. Ladies, don’t forget to remove your heels!
Chair dips are an exercise that can really develop your triceps if done on a regular basis. These can be a little challenging at first, and you have to be sure to do them on a chair without wheels (computer chairs are a no-go). Any chair that is stable in your office will be just fine for doing reps of tricep dips.
Bonus tip: Don’t forget that the best way to get in a little more exercise is to fit a walk in on your lunch break. Learn to love moving, and reap the fitness and health rewards!Posted in Uncategorized | Leave a commentSeptember 17, 2019
The most common workplace safety concerns aren’t usually the most obvious. For the most part, that’s a good thing — if chemical leaks, explosions and crane collapses happened more frequently, we’d never get anything done. Still, just because a hazard is small or seemingly innocuous doesn’t mean it should be overlooked. Train yourself and your employees to think about safety so you can spot the often overlooked!
A place for everything and everything in its place. We’ve posted on social media before about the importance of keeping a workplace tidy. We’ll say it again — keep your workplace neat! Excess clutter or misplaced items can pose a tripping hazard, block emergency exits, or provide fuel for a fire. Going the extra step to put everything away or throw out unnecessary items might feel like an unwanted chore in your day-to-day routine, but when it pays off, it can really pay off. Let’s just hope it doesn’t have to!
Keep an eye on your cords. Your power and extension cords, that is. Cords and wires, especially those that are stretched along the floor, can easily become broken or frayed in a busy workplace. The same goes for the plugs that give cords their current. If any of that happens, you’ve got a potential electrocution hazard on your hands, not to mention a risk of electrical fire. Keep cords out of the way whenever possible, and avoid dragging them along surfaces. Make sure plugs aren’t bent or mashed by furniture or equipment while they are in use, and replace all equipment as it wears out.
Ergonomics can be economic. Simple ergonomic fixes, while potentially more costly up front, can actually save you considerably in long-term health care costs. Office workers can avoid or lessen the effects of carpal tunnel with properly positioned keyboards and computer mouses and can also avoid other musculoskeletal disorders with ergonomically designed chairs and desks. Ergonomic braces can give more physical workers a leg up by providing support to the back and often-used joints. Proactive approaches to avoiding long-term injuries can help nip workplace injury claims in the bud!
When it comes to safety, even so-called “minor” concerns can have very real health implications. By thinking about safety throughout your day, you can help create a safer environment for everyone in your workplace!Posted in Uncategorized | Leave a commentAugust 28, 2019
The safety and health of employees should be a top priority for your business. The first step in improving safety in the workplace is identifying risks. Then it’s important to take steps to reduce or eliminate those safety hazards. Here are four steps in completing a risk assessment.
#1 Identifying risks
One of the leading causes of accidents and injuries at work is failure to identify risks. To identify risks, safety managers should collect and review information about any existing and potential hazards in the workplace. This process may include workplace inspections, employee interviews, injury incident investigations and an analysis of the severity of risks to employees.
#2 Identifying workers at risk
After the risks are identified, determine which workers are most at risk from these workplace hazards. This will give you the needed information for which workers may need special safety training, protective equipment or other adjustments to their work environment.
#3 Assessment of risks
Once you have identified hazards and workers who are at risk, the next step is assessing the risks. Here are a few questions to consider: What health risks are there to employees? How severe are these risks? Is the work environment and/or equipment used responsible for risks to employee safety? What steps can you take to reduce safety hazards? If the risk cannot be eliminated, assess what impact the hazard will have on employees’ safety and health.
#4 Implement measures to reduce or eliminate risks
Workplace risk assessment is of no use unless steps are taken to reduce or eliminate risks. At-risk workers need safety training for dealing with hazardous situations. Any physical hazards at the workplace should be removed if possible (faulty equipment, antiquated office furniture, excess noise, etc.).
Safety managers need to develop a written program and hold official meetings and training for employees. Workplace safety risk assessment is an ongoing process and is essential for the security and health of employees. Improving workplace safety can help eliminate unnecessary risks to employees and help them save money on insurance premiums for workers compensation coverage. Here are some guidelines from OSHA for establishing a workplace safety program.Posted in Uncategorized | Leave a commentAugust 14, 2019
Every business idea is made of a complex series of decisions. Even the most prepared business leaders, however, face unknown factors that can create damage to their company. Risks – from property damage to business reputation to employee health – are all potential parts of business. Being able to handle whatever comes your way is just part of the deal.
What are the most common areas of risk to consider and plan for in your business?
- Physical and building risks: Do you occupy an old building with an asbestos risk? Do you have fire extinguishers and evacuation maps posted? Ensuring the safety of your physical space is one of the most significant ways to prevent and address workspace risks.
- Hazardous material risk: Certain businesses have more risks than others in this regard – chemical plants or auto shops, for instance, will have an increased risk, but even companies who have employees who simply come into contact with cleaning supplies need to be mindful.
- Location risks: Is your office located in a place known for severe weather? If floods, earthquakes, blizzards, fires, tornadoes or hurricanes are a risk in your area, it’s important to have a plan to protect your physical space and employees in an emergency.
- Human risks: People are the foundation of any business, and they need to be protected. Slips, falls and other on the job accidents are important considerations – you not only need to make sure that there is maintenance to help prevent employee injury but also have the right insurance should accidents happen. Plus, businesses will need to consider the cost of lost employee productivity.
- Technological risks: One thing all modern businesses need to be wary of is how they’re using technology. Is your business using best practices to protect data and prevent fraud? What about training employees to avoid phishing emails? It’s important to always consider technology misuse as a potential business risk.
- Employment practices risk: Wrongful termination, negligent evaluation or refusal to employ or promote are some examples of events that can place a business at risk for employment practices litigation.
Commercial insurance helps you prepare for the unexpected and can help protect you against financial and legal risks should the worst happen. Responsible business leaders work to understand the potential risks they might face in their organization and know that the right insurance is crucial. If you need to talk to someone about getting the best insurance for your business, our team can ensure that you have the coverage that’s right for you. Get in touch today.Posted in Uncategorized | Leave a comment← Older posts