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    Accurate Protection reveals unrecognized problems and delivers unanticipated solutions allowing you unforseen opportunities for better protection of your company assets. Our comprehensive view of your insurance program ensures that every avenue for risk mitigation and cost containment is explored.

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    Our unique process, Accurate Protection 365, will give you the tools to easily and effectively manage risks, control claim costs, increase safety awareness and build employee morale. We produce positive results that place risk management resources where they yield the highest return.

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  • Access over one thousand documents designed to help you with:

    • Cost containment
    • Safety programs
    • OSHA compliance
    • Claims reporting
    • Employee communication
    • Legislative updates and more

    Learn More
  • Experience Modification Review

    Accurate Protection provides an in depth analysis of your experience mod. We pinpoint cost drivers, such as frequency and severity, and develop specialized loss solutions to address your business’ specific needs. Call us today to reduce your experience mod and discover competitive advantages available to you.

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Help protect your business with these employee safety training types

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Protecting your business with an insurance policy is a key part of the safety of your staff and your assets. But insurance is really a backup safety method; the primary method of true protection is empowering 41402371 - businesswoman presenting to colleagues at a meetingyour employees with the information and education they need to prevent injuries, accidents and losses in the first place. Here are some of the key areas in which to focus your employee safety training.

  1. Harassment training: Harassment is a real threat to your business. Not only can any inappropriate workplace behavior reduce morale and productivity among your team members, it can also lead to potential legal liability and other business risks. Harassment training gives all employees clear guidelines about acceptable conduct
  2. Data safety training: Data privacy is a concern of every business. Training employees how to recognize and avoid malicious emails and other communications can help avoid data leaks and theft. This greatly reduces the potential for any damage done by theft or loss of critical information.
  3. Workplace safety training: Every workplace contains the possibility of physical injury — even if you don’t work in a hazardous or high-risk industry. Even if there’s no need for hardhats, it’s important to train employees to recognize job hazards. This includes awareness of cleaning chemicals, how to avoid falls, and how to keep equipment safe and secured. Human ergonomics also can be essential parts of keeping your employees safe and healthy and protecting your business from liability threats.

Establishing good training procedures is the first step in protecting your people and your business. It’s equally important to ensure that training is ongoing. Training at employee orientation as well as annual training opportunities for a knowledge refresh can keep everyone on the same page about expectations.

If you have questions about insurance or want to learn more about incident prevention, give our office a call today.

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The most common business insurance questions, answered

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Casual business people shaking handsWhen it comes to business insurance, there’s a lot to know. Just like your business itself, there are a lot of pieces. That’s why it pays to partner with an expert insurance firm to answer your questions and make sure all your insurance coverage needs are met.

Here are some of the most common business insurance questions to help get you started on what you should know.

  • Is there a difference between hired and non-owned auto liability insurance? The short answer is yes. With certain exceptions, the term “hired autos” refers to autos the named insured leases, hires, rents, or borrows. The term does not include any auto the named insured leases, hires, rents, or borrows from any of its employees, partners, limited liability members, or members of their households. As respects the motor carrier, the exception applies to private passenger type autos only. By contrast, the term “non-owned auto” applies to vehicles owned by employees and used for company business. It applies only if such autos are private passenger vehicles.
  • What is the difference between general liability and professional liability? General liability protects against any financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments. For instance, this coverage would apply to someone suing your business for medical damage after walking into your store and slipping on a recently mopped floor. Professional liability is meant to protect your business against bad advice or guidance. If someone acts on your professional business opinion and it results in something harmful or negative, this insurance will protect your company from professional liability claims.
  • Why does it take longer to get a business insurance proposal than a personal insurance quote? We work hard to make sure that your proposal is delivered to you as quickly as possible, but there are a lot of considerations that have to be taken into account, including business type, location, and the number of employees. When an expert insurance broker is reviewing your information, it takes some time to compile all the relevant details and create your unique policy. This not only ensures that you get the best rate, but also that you have accurate coverage.

Still have questions? We can help. Give us a call today so we can start the process of helping you build your best policy and get the protection your business needs.

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Ongoing safety training critical to any workforce

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Engineers in steel factory working on digital tabletSafety training isn’t just a formality — it’s a tested means of reducing serious injuries and cutting back days-away-from-work incidents. But all too often, training is conducted half-heartedly or not at all.

Some evidence of that comes in the most recent breakdown of OSHA’s top 10 most-cited violations. The list is usually pretty static, with the repeat offenders showing up year after year, but this latest iteration saw a new addition in “fall protection — training requirements.” The safety implications of a lack of training run deep. Inadequate fall protection in and of itself has clinched the top spot for the past few years of OSHA’s most-cited list, and actual falls are the leading cause of death in the construction industry. As evidenced by the landscape of falls alone, training touches every part of the occupational safety environment and is a pillar of what we do

So how do we improve on the way we train? For starters, most workers expect to feel safe at work — about 80 percent, according to survey data. That would suggest that most are not only open to learning safety procedures but would also welcome it. Training professionals recommend putting new employees — who are more likely than seasoned employees to be injured on the job due to inexperience — through a highly comprehensive, consistent program to get them up to speed. For both new and veteran employees, on-the-job training has been shown to be an effective means for teaching updates to safety procedures as they are made. Training experts recommend managers start the process by giving employees an introductory overview of the new procedure before guiding them through a “tryout” period for the update. Once that’s done, managers should follow up afterwards to ensure the employee has the right grasp of the behavior.

In any workplace, safety training is an evolving practice. Procedures shift as we discover new ways to do old work, and the shifting ground means that managers need to have an active presence. As always, we’re here to help with all the materials you need to make safety a priority for your workforce!

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Workplace injuries don’t slow down for winter

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???????????????????????????????????????????????????????????Winter always seems to be a busy season, which is odd considering how strong the urge can be to just hibernate through it and skip the whole thing. From a worker safety standpoint, we’re not exactly crazy about the season, but the fact is, it rolls around each year like clockwork, bringing its own work-related challenges.

Like any other period of serious weather, winter brings about some unique safety challenges that demand our consideration. Just on its own, the winter chill is clearly a potential safety issue to those who work beyond a temperature-controlled environment. Cold stress can sneak up on an individual and sap their energy before they realize it’s high time to warm up. Even if it doesn’t progress to more serious exposure-related conditions, cold stress can sap productivity and present its own set of health hazards. When winter falls, work that can be done inside should be promptly moved indoors.

For those still exposed to low temperatures, it’s important to be aware of the signs of cold stress and look for symptoms of the conditions it causes. Dressing for low temperatures goes a long way — layer your clothing to better regulate heat, and stay as dry as possible. To cut the risk of slips and falls, take care of snow and ice as quickly as you can after it falls.

To workers, one of the biggest risks of winter is right underfoot. Slips and falls are a major safety issue regardless of season, but the risk of falling on the job can be seriously compounded by winter ice and snow. The injuries caused by slipping on ice range in severity, as you’d expect. With that said, 2013 data pulled from five Midwestern states found slips and falls on snow and ice to be responsible for about one-third of all workers’ compensation claims that resulted in lost time from work. Tackling the winter slip risk in a work setting is much the same as anywhere else — shovel away ice and snow as soon as possible, apply some de-icing agent when appropriate, and proceed with caution.

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Every business needs a safety plan

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63971409 - business partners walking up stairsThink businesses that have primarily office workers don’t have to worry about workplace safety and risk management? Think again! Accidents happen in all kinds of companies. In fact, many workers’ comp claims are made by workers who spend much of their time behind a desk — not at a construction site or in a manufacturing facility.

As a business grows, so does its risk of costly accidents and injuries. Nationwide, occupational injuries cost companies nearly $170 billion each year. Injuries and/or accidents can hurt and even cripple a growing company. That’s why preventing them should be a priority for even the smallest of companies. Plus, providing your employees with a safe working environment is the right thing to do.

At Accurate Protection, we specialize in working with companies that don’t have the resources to employ a full- time risk manager. We consider ourselves to be outsourced risk managers for growth-oriented medium sized companies. We provide risk-reducing strategies, programs and comprehensive safety materials that reduce your chance for loss. Once you’re better at managing your company’s risks, we educate underwriters about your company and build positive carrier relationships on your behalf. By demonstrating your commitment to decrease risk and support safety, we can help you capture lower long-term insurance premiums.

What are some of the ways employees injure themselves in the office environment? At the office, slips, trips and falls are the most common hazards. Look around for uneven surfaces, torn carpet or anything else that could cause someone to trip and fall. Clean up any spills immediately and address any surfaces that become slippery, especially during the winter months. You may want to consider having an ergonomics expert make sure your workstations are designed so that they meet basic rules for preventing repetitive injuries. Lifting heavy objects — the wrong way — can also result in injuries at the office.

If your employees drive for business, make sure you have a safe-driving policy and consider banning cellphone use by employees who drive on the job. Another important thing you can do? Create a culture where employees know they can take breaks to stretch and rest their muscles and their eyes.

Want to learn more? Visit our website: http://accurateprotection.com/. And give us a call at (404) 907-2121 x701 .

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