Group of young business professionals having a meetingWhen was the last time your team or company had a successful brainstorming session? By “successful,” we don’t mean you were able to get side work done while everyone else tossed out a few ideas in hopes that they wouldn’t be loaded down with extra work. Did everyone leave the meeting encouraged and recharged or did they leave feeling like they wasted the last hour or two? Effective brainstorming sessions can help companies innovate. Ineffective brainstorming meetings can be time-wasters and drag down morale.

What’s the secret to brainstorming done right? For starters, don’t keep the brainstorming topic a secret before the meeting. If you want people to contribute ideas, give them time to prepare. Some people are great at coming up with ideas on the spot. But many people need time to process and think through options.

It’s vital to make sure your employees feel safe in the brainstorming sessions. How do other employees or even managers respond to the ideas presented? What happens to those who go against conventional thinking or who question the aspects that have “always been done that way?” Are they made to feel unhelpful or, worse, chastised?The reaction to ideas can have a huge impact on further employee suggestions.

And you might want to reconsider any rewards for those “best” ideas. A reward system may cause others to not even make suggestions if they know their ideas aren’t worthy of such high regard. Each idea contributes in some way to the session.

An idea is only an idea until it is implemented into your business’ practices. Don’t just ask for ideas but ask how they can be implemented and who will handle them. Don’t end the brainstorming session until employees are empowered and ready to implement a plan for further action.

Stressed female entrepreneur in creativity crisisEvery evening, it’s the same. You are determined to leave on time. Yet again, you find yourself finishing one more thing, answering one more email, or talking to one more co-worker. Or perhaps you spend a few hours every weekend catching up on your to-do list.

Either way, it adds up: Americans on average spend 47 hours a week at work, more than any other industrialized country. Americans work 137 more hours per year than Japanese workers, 260 more hours per year than British workers, and 499 more hours per year than French workers. Four in 10 Americans said they work more than 50 hours every week, with two in 10 working more than 60 hours.

Yet the research is clear: Long hours — working in the morning, evenings and weekends — is not only hard health-wise on the person doing all that extra work but it doesn’t pay off to the degree that workers and their organizations expect. John Pencavel of Stanford University is one of many researchers who have found that output falls sharply after a 50-hour work-week — even more sharply after 55 hours. Other studies show work weeks of 50 or more hours can lead to a variety of health issues. With that in mind, here are some goals you may want to consider:

Don’t work more than 10 hours each day. Several studies show that more than 10 hours of work a day dramatically increases your risk of cardiovascular and other health issues. One study concluded that working 10-plus hours each day results in a 60 percent increase in the risk of cardiovascular disease.

Stop sitting so much. It’s difficult when you work in an office not to sit all day. But studies show that it’s hazardous to our health to sit for eight to 10 hours a day. Make it a goal to stand up or walk around for several minutes once every half an hour or hour. Take a walk during your lunch hour, in the morning and/or in the evening.

Schedule times to unplug from work. That means no work-related phone calls or email for specified times throughout the week. Consider making at least part of your weekend a time you don’t do any work. The key is to set specific times and stick with them — even if it’s only an hour at a time.

Take vacations. Americans take on average only 16 days of vacation each year, down from 20 days a year. More than half of all Americans do not take all of their vacation time each year. Studies show that vacation time — even if spent at home — helps us recharge and boosts our productivity. Take time off — and encourage your employees to do the same.

CEO owner leader company staff member portrait, possibly finance, accountant, managerYour employees are productive and do everything you tell them to do. But are they happy? Will your best and brightest work as hard as they can and stick with you or will they leave at the next opportunity? Gallup research shows that the majority of U.S. workers have some level of dissatisfaction with their jobs.

Studies also show that employees rarely disclose their frustrations with work situations until they are well on their way to finding a new job. That’s why it’s imperative for managers to get an accurate read on how things are really going at the office. But that’s easier said than done.

One way to gauge employee satisfaction is to meet one-on-one with each member of your team regularly. Ask them not only how they feel about their jobs but how your company — and you — can help them meet their personal and career goals. And don’t forget to provide regular feedback. Take a few minutes each week to provide positive feedback on recent accomplishments. Make sure if you’re providing negative feedback that you also provide some positive feedback as well in the same meeting.

Perhaps the best way of all to get honest feedback from your team is to make sure that each person feels that they can come to you with the good and the bad. Do you show irritation when employees approach you with problems or issues? Do you glance at your computer or phone while your employees are talking to you? Do you appear rushed when people come to talk to you? You may unknowingly be encouraging people to not be candid about how they feel and about what’s going on at the office.

How well do you know your employees’ hopes, dreams and personal challenges? Do you know what’s going on in their lives? Their children’s names? Their hobbies and what they do on vacation? It’s amazing how much happier people feel when someone takes a genuine interest in them. Taking the time to listen to your employees, support them in their careers and genuinely get to know them can go a long way towards helping them be happy at work.

Happy male writing positive mail to clientTelecommuting is definitely taking off as COVID-19 disrupts our traditional ways of doing business. For companies, it solves the problem of social distancing and keeping employees from getting sick. And studies show most employees love working at home at least part of the time.

Yet allowing employees to work at home can expose your company to risks that you don’t encounter when your workforce is physically located at your company’s facilities. At Accurate Protection, we specialize in working with companies to better manage ever-evolving risks. That’s why we wanted to share with you some great ways employers can better manage the liability risks of remote workers:

Create a telecommuting policy. Setting clear work-at-home guidelines and communicating them to employees can help prevent misunderstandings. Make it clear that you have the right to rescind their work-from-home privileges at any time and for any reason. Have all employees review and acknowledge your company’s telecommuting policy.

Re-evaluate your insurance coverage. Make sure your insurance program effectively addresses the unique risks of having some of your employees working remotely. (We can help with that.)

Make sure employees are using secure wi-fi. All of your employees should be using private and secured Wi-Fi networks while working remotely. Using an unsecured network — public wi-fi — can put your company’s private information at risk. Require anyone who uses public wi-fi to use a Virtual Private Network (VPN), which keeps their web browsing secure.

Make sure employees are using devices that are secure with up-to-date firewalls and anti-virus software. This applies to laptops, tablets, and smartphones. It’s your responsibility to keep your customer and client information safe.
Use secure virtual meeting rooms. Make sure that private conversations and presentations cannot be monitored by unauthorized third parties.

Make sure you’re complying with federal wage and hour rules. To avoid violations under the Fair Labor Standards Act (FLSA), employers should require non-exempt employees working from home to record the time they work each day and stick to the hours they should be working each day. Non-exempt employees are entitled to overtime pay whether they are working at your company’s facility or at home, so it’s important that employees know they must adhere to their normal working hours and that they are prohibited from working additional hours without your approval.

Make sure you’re classifying workers correctly for workers compensation insurance. When employees switch to working from home, some workers compensation insurers may want to change classification codes. As an employer, it’s important to know that you could be potentially be held liable if an employee is hurt on the job and employees may be eligible for workers’ compensation if they are hurt while working at home.

We’re here to help your company better manage its risks. Want to learn more? Visit our website: https://accurateprotection.com/.

Creating a fleet safety plan is crucial to the protection of your employees, your company vehicles and your business. Having company vehicles is necessary for many organizations, but it’s also a risk and a 25774403_Mliability. How do you prevent something that’s important to your business – the ability to transport goods or employees – from becoming something dangerous or disruptive to your business? Developing a fleet safety plan can help protect your people and your property. Developing a working plan is key to negating risk:

  1. Know who’s driving: Businesses are responsible for knowing everyone who may be driving company vehicles. This is the first step in both being aware of risks and working to reduce them.
  2. Commitment to risk management: Once you’ve decided to create a fleet safety plan, it’s important to follow up with managers and other stakeholders to make sure it’s being implemented and executed correctly. Establish your policies and procedures in writing to ensure clear, consistent expectations.
  3. Screen and hire carefully: The safest, most reliable driving teams are those that have been hired according to clear standards and thorough screening. Adhering to a strict hiring process can ensure that your business has a long-term safety record on the road.
  4. Invest in training: You want to make sure that your drivers are always up to date with vehicle safety policies and procedures. Arming with them regular information on safe driving strategies and techniques, including defensive driving, can improve your safety record. Training shouldn’t be a one and done ordeal – managing ongoing training and ensuring that people are following it is part of a successful safety plan.
  5. Proactively managing accidents: Accidents happen, but being mindful and proactive in helping to process the incident can help you better understand your exposure and help plan for and prevent future problems or losses.
  6. Create a plan for maintenance and inspections: To reduce breakdowns and accidents due to equipment failure, establish and manage a schedule for fleet vehicle maintenance.

Handling claims or dealing with loss of property and productivity can severely impact your business. We can help you connect with resources that enable you to create the best risk management plans, as well as help ensure you’ve got the right coverage for any scenario. Get in touch with us today, and feel more comfortable about the future of your business.

MERS virus, Meadle-East Respiratory Syndrome coronovirusTo help combat the spread of COVID-19, many offices are allowing employees to work from home. But few companies can shut down completely and must have at least some workers coming to the office each day. Here are some recommendations from the Centers for Disease Control and Prevention to help keep COVID-19 from spreading in your workplace, even with reduced staffing levels:

Encourage good hygiene. Send hand washing reminders by e-mail and encourage all employees to wash their hands immediately after reporting to work. Post hand-washing reminders in the bathroom. Make hand sanitizer freely available wherever employees are. Remind employees to avoid touching their faces and cover coughs and sneezes.

Stop hand shaking. Use other non-contact methods of greeting. Try to keep employees who are in the office separated as much as possible.

Step up cleaning efforts. Surfaces like doorknobs, tables, desks, and handrails should be disinfected more frequently.

Use videoconferencing for meetings when possible. When not possible, hold meetings in open, well-ventilated spaces. Consider postponing large meetings or gatherings.

Encourage sick workers to stay home. Studies show that many employees nationwide come to work even if they have a cold or flu. In some offices, it’s a badge of honor to come to work even if you aren’t feeling well. Make sure employees know that if they aren’t feeling well, have been tested for COVID-19 or have a member of their household with COVID-19, they should stay home. The coronavirus can incubate from anywhere between 2-14 days. In the early stages, it doesn’t always present symptoms and some people who have it do not have significant symptoms.

Assist employees who are at higher risk. Some employees, such as older adults and those with chronic medical conditions, may be at higher risk for serious illness. Employers may want to consider minimizing face-to-face contact between these employees and other employees or customers and/or assigning work tasks that allow them to maintain a distance of six feet from other colleagues and customers.

Don’t forget about mental health. The coronavirus pandemic is having wide-reaching effects on almost every aspect of American life. Understandably, many people report feeling anxious, afraid and unsure about what’s next. You can’t predict the future, but you can encourage your employees to care for their mental health — whether they are at home or at the office.

40261398 - fire extinguisherEach year, tens of thousands of small businesses cope with damage from fires. Sadly, a number of these companies never re-open. That’s why taking steps to reduce the risk of fire at your business is such a smart thing to do. But it also can save you money.

Fire risk is one of a number of factors that plays a role in how much you’ll pay to insure your enterprise. And fire-prevention efforts can pay off in lower insurance premiums. The good news? Reducing your company’s risk of fire isn’t as time-consuming or expensive as you may think. Here are some of the best steps a business can take:

Install and maintain fire safety equipment. Many small business owners and managers are too busy to think much about fire prevention. At a minimum, you’ll want smoke alarms with batteries that are changed twice yearly. You’ll also want fire extinguishers on hand. (Make sure you and your employees know how to use them.) Your insurance agent can help you determine whether additional fire-prevention measures, such as sprinklers, are needed or if optional upgrades that can earn you a discount on your policy are worth the upfront investment.

Store chemicals carefully. Make sure you’re storing all chemicals, including the flammable variety, carefully. Did you know that gas cans can explode in certain situations?

De-clutter. Dispose of boxes and trash promptly. A pile of boxes can provide the fuel for a fast-moving fire. Remove clutter from hallways and exits.

Have an electrician review your wiring. If you have purchased or are leasing an older building, it may be wise to have an electrician inspect it for any faulty wiring or other potential fire hazards.

While having fire drills may be the last thing on your mind, they can help increase the likelihood that everyone makes it outside your building safely in the event of a fire. Do your employees know what they should do if there’s a fire? Which exit should they use? Periodic reminders can help make sure everyone knows what to do — and that they get out safely — in the event of a fire.

Ask questions. We can help identify a number of risks your business can face each day and make sure you’re adequately insured. Have any questions? We would be glad to answer them!

CEO owner leader company staff member portrait, possibly finance, accountant, managerIt’s estimated that on-the-job stress costs U.S. companies more than $300 billion annually in increased absenteeism, reduced productivity, increased health care costs and employee turnover. Stress, however, is a very individualized phenomenon — what causes stress in one person may not cause stress in another. The good news is that research has identified a number of stressors that often affect large groups of employees — and the ways employers can help address them.

Surveys show that probably the biggest source of stress for workers is balancing work and family demands. That’s why telecommuting and flextime are sought-after options for a growing number of workers nationwide. Studies show allowing workers the option of working just one day of each week at home can dramatically reduce their stress levels. Telecommuting isn’t the only answer, however. Ask your employees how you can help them meet the demands of work and family life. A bit of flexibility in how they get their job done can make all the difference.

Some other ways to reduce stress at the office:

Let the sick stay home. At many companies, it’s a badge of honor to go into work sick. Leaders often set the example by doing it themselves. Create a culture where people do not feel guilty staying home when they are ill. Even more important, encourage your employees to take all of their vacation days each year. One study showed that 52 percent of American workers did not use all of their allotted vacation time last year.

Create an after-hours work policy. Another big stressor? After-hours e-mails. Studies show that many employees feel like they have to answer e-mails and solve client problems after-hours. Simply put, it is stressing workers out. France even passed a law addressing the issue.

Be a good communicator. When was the last time you simply talked with your employees about the changes happening in your company? Sometimes not knowing what is happening or why changes are being made can affect stress levels. It doesn’t mean your employees need to know the sensitive information; but basic information can calm their nerves.

Offer food. Do you order in food for your employees occasionally? How about breakfast during a morning meeting and offering some bagels, fruit, yogurt and coffee? Need to have a training meeting? How about incorporating it over the lunch hour and have lunch catered? It’s a proven way to raise morale at the office.

Have a sense of humor. Humor can be a powerful tool for relieving stress. Share a laugh with your employees. It’s a great way to help diffuse a stressful situation.

close up of builder holding hardhat at buildingIt’s no secret that the different parts of our lives are all connected. Even if you don’t bring your work home with you in a briefcase, the spillover between the professional and personal is unavoidable. With that being the case, the way we look at workplace safety should also be part of a bigger picture of general wellness. Some common health issues we might consider include:

Insufficient Sleep. No matter how much coffee has been brewed, insufficient sleep will take a toll on anyone. That’s not good, because studies have indicated that only about 60% of the country’s sleepers are getting the seven hours of nightly shut-eye recommended by physicians. If you apply that to a 10-person workplace, that means almost half the employees are probably displaying symptoms like reduced cognitive function and a higher chance of becoming distracted while taking more risks.

Overweight or obese. Among other health issues, obesity has been linked to muscular and joint problems, a higher risk of cardiac illness and reduced mobility. The musculoskeletal effects of obesity are some of the most relevant when it comes to on-the-job injuries. The increased strain placed on an overweight person’s muscles and bones opens up the chance of sustaining a strain or sprain while performing work-related tasks. What’s more, chronic obesity has been linked to both decreased productivity at work as well as higher average healthcare costs — both things clearly pertaining to an individual’s professional life.

Drug and alcohol addiction. Dealing with addiction can be incredibly difficult. It’s also highly necessary. Beyond personal effects, addicted individuals are up to three times more likely to get hurt in the workplace. Addiction also causes about $263 billion in lost productivity in the U.S. on an annual basis. In Delaware, only about 10 percent of people with an addiction receive treatment.

A manager only has so much sway with employees, but considering the larger context of workplace safety is an important part of risk management. Employers can do this by making staff aware of the resources available — either through company benefits or in the wider community — and keeping an eye on some of the factors employees might bring to work.

66985064 - two professional business people shaking handsDo you need to hire a new employee? The process of advertising a job, screening applicants, scheduling interviews and making the final selection of a new employee creates a level of risk. As a small business owner, you have many legal responsibilities under federal employment anti-discrimination laws.

That’s why we have assembled a detailed, multi-part education program for our clients called “Work Smart,” that’s filled with documented smart business practices in every area, including hiring. Companies can use this information to build more risk-proof activities and procedures, avoiding potential business risks such as asking prohibited questions during the application process.

When hiring, there’s also the risk, of course, that you will select an employee that isn’t a good fit for your business. That’s why we wanted to share with you four qualities that studies show can help you make a successful hire, whatever your industry:

Initiative. Does the job applicant have a history of volunteering for whatever work needs to be done, not just the jobs that are the easiest or that will earn kudos? This is a good measure of the applicant’s initiative.

Adaptability. Do they view failures as opportunities to grow and succeed or are they afraid to take risks? Do they manage change or do they seem to avoid it? Are they annoyed by day-to-day hassles or do they approach them with a cheerful attitude? No one wants to work with someone who can’t adapt to changing conditions or has a dour attitude.

Empathy. People who regularly seek out opportunities to help other people can be valuable additions to most any team.

A positive attitude. Positive people view challenges as opportunities to learn, adapt, and succeed. Positive attitudes can be contagious among co-workers. As managers, people with great attitudes often are more apt to demonstrate to their workers that they have faith in their abilities to handle challenges and make important decisions. Who wouldn’t want to work with that type of person?