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DO YOUR PROTECTION DEVICES REALLY PROTECT YOUR BUSINESS?

By Risk Management Bulletin

You set the security alarm every night on your way home. You double-check the window locks and turn the deadbolt on the back door. You place your cash and valuables in the safe. Before turning out the lights, you start the backup routine on your computer. Congratulations! All of these steps help minimize your chance of loss and make you a more effective risk manager. But how do you know that these devices are working properly?

For example, although you’re performing regular backups to your computer, do you double-check to be certain the data is actually there? One systems administrator ran her backup routine every night, only to discover at the time of a systems crash that all backup files for the past six months were blank, due to a hardware malfunction.

Have you tested your security alarm lately to make sure that it actually alerts the police or fire department? Are you sure that your safe locks completely when the door is closed? If your employees sometimes close up at night, do they have a checklist that covers every step in the process?

Making your protection devices work as hard as you do is just one of our services. Although many agencies can sell you insurance, we do far more than this. We can help minimize your losses by implementing a comprehensive and effective risk management program that supplements your insurance by providing a “safety net “to catch you.

Our philosophy is clear: The best claim is the one that never happens. If you agree, just give us a call.

INFORMATION SECURITY RISKS: LEAKS FROM TOP TO BOTTOM

By Risk Management Bulletin

Top managers are more likely than rank-and-file workers to put their companies at risk for data breaches and theft of intellectual property, according to a recent nationwide study.

On the Pulse: Information Security Risk in American Business” a survey of more than 750 information workers by digital security risk management firm Stroz Freidberg found that nearly nine in ten senior managers (87%) have sent work materials to personal e-mail or cloud accounts, making this information vulnerable to outsiders. What’s more, nearly three in five (58%) managers surveyed (58%) accidently sent sensitive material to the wrong person – compared to 25% of workers overall.

This risky behavior didn’t change when managers moved on. More than half of top management and more than one in three mid-level managers (37%) admitted to taking job-related emails, files, or confidential information with them after they left their employer. About one in five lower-ranking employees (20%) did so.

“Insiders are by far the biggest risk to the security of a company’s sensitive information, whether it’s a careless executive or a disgruntled employee,” say Stroz Friedberg CEO Michael Patsalos-Fox. More than half of senior managers (52%) in the survey stated that they had failed to meet their responsibility for protecting their companies against cyber risk.

Bring-your-own-device (BYOD) workplaces also open the doors to hackers, malware and viruses. Although improved internal communication and training can help mitigate this risk, only one in three workers (35%) at BYOD companies say that their employers trained them on mobile device security.

We’d be happy to recommend guidelines for a comprehensive review of potential chinks in your cybersecurity armor. Feel free to get in touch with us at any time.

PICTURE THIS! USING VISUALS IN SAFETY TRAINING

By Workplace Safety

Because safety training is an ongoing activity in your workplace, it makes sense to find new ways of keeping employees involved. The use of visuals, including images and videos, can play a key role in this process.

Although safety trainers tend to avoid using pictures in their materials, “All of the research on learning with pictures indicates that pictures used in combination with words create better learning,” says Jack Massa, owner of Guidance Communications, Inc. (www.guidancecom.com). Massa uses a broad definition of “pictures” to include “any visual that is meant to represent something, either concrete or abstract;” everything from high-definition stock photos through diagrams to simple line drawings.

He recommends careful selection of visuals. A common mistake is using them as “decorations” that represent an idea or concept, rather than educational tools that support the specific learning content.

Another frequent error is failure to keep visuals in mind. Just as trainers think about how to express concepts in words, they also need to decide how they will communicate ideas visually.

Massa offers these guidelines for selecting picture:

  1. Decide which types of visuals are best suited to the content. For example, a flowchart can be effective when training on a new process or procedure.
  2. Use good graphic design principles. Look for consistency in the visual presentation, and don’t combine different styles of clip art.
  3. Leave out extraneous information. Keep drawings and diagrams simple and only include text that supports learning.

Remember, one picture can be worth 1,000 words.

DON’T LET ‘LEAN MANUFACTURING’ THREATEN WORKPLACE SAFETY

By Workplace Safety

Many companies use “lean manufacturing” procedures to streamline production by reducing wasted time and motion. Although these changes often show up in the bottom line as black, their long term repercussions on workplace safety – higher accident rates and workers comp premiums –could put a business back in the red.

“Approximately 65% of workers compensation claims are for musculoskeletal disorders (MSDs),” says Chris Shulenberger, Technical Director for Ergonomics with Bureau Veritas North America Shulenberger. However, many employers might not make the connection between their lean manufacturing procedures and high rates of sprains and strains, overexertion injuries, and cumulative trauma MSDs among their employees.

If you streamline your manufacturing, beware of these potential pitfalls that could turn “leaner” into just plain “meaner:”

  • Excessive Overtime. Lean manufacturing depends on a smooth supply chain. When there are glitches, workers need to pick up the slack with increased production and longer hours, both of which contribute to MSDs.
  • Hyper-efficiency. For some employers, the drive to improve employee productivity ignores human limitations. Removing the waste from jobs eliminates essential time for workers’ bodies to restore themselves, which can reduce disabling MSDs.
  • Working through pain. Some supervisors in lean manufacturing facilities are slow to respond to worker reports of fatigue, discomfort, and/or pain: the earliest symptoms of an MSD. In other cases, there’s “working through pain” culture which encourages employees, like high-performing athletes, to ignore early symptoms – which can easily lead to a MSD. Make sure that your workers report any MSD symptoms and supervisors know how to respond to these complaints.
  • Micromanagement. Increasing the intensity of work reduces employees’ control about how they do their job – a proven risk factor for MSDs.

Our risk management professionals would be happy to review the potential impact of your manufacturing procedures on workplace safety.

COURT: SHOE-TYING DRIVER CAN COLLECT WORKERS COMP:

By Workplace Safety

A United Parcel Service driver who hurt his back while tying his shoe is entitled to workers compensation benefits, says the Idaho Supreme Court.

Michael Vawter began working as a UPS delivery driver in 1983. In 2009, when he stooped to tie his boot laces while waiting for his truck to warm up at the start of his shift, Vawter immediately felt “a pop and pain” in his lower back, according to court records.

After being diagnosed with a herniated disc and cauda equina syndrome (a neurological condition of the lower spine), he filed for workers comp benefits, claiming that his injury resulted from his work at UPS.

The company denied Vawter’s claim, arguing that his injury was not work-related, but resulted from a pre-existing condition. However, the Idaho Industrial Commission ruled that he should receive temporary total disability benefits, plus another $149,000 in medical expenses. After a series of appeals by UPS, the state Supreme Court upheld the commission’s decision, ruling that injuries to workers are presumed to arise from their employment when an accident occurs on an employer’s premises. The decision also noted that UPS requires its employees to have their shoes tied or secured under a policy that specifies “no loose or dangling parts” on employee footwear.

In addition to affirming the benefits previously awarded to Vawter, the high court ordered the company to pay an additional $24,627 in medical costs that he accrued between the date of his 2009 injury and the first hearing before the Commission.

The moral of the story: Before you contest any workers comp claim, be sure you’re on sound legal grounds.

 

WORKPLACE SAFETY: JSAs ARE A-OK

By Workplace Safety

Job safety analysis (also known as job hazard analysis or safety analysis) can play a key role in helping keeping your workers safe – and your workers compensation premiums under control. A JSA breaks a specific job into basic steps, identifies the hazards associated with each, and recommends controls for these exposures.

Although you can do a JSA on any job, it makes sense to focus on those that: 1) have the highest injury or illness rates or the potential to cause harm; 2) are new to your workers or have changed procedures recently; and 3) are complex enough to require written instructions.

The analysis should review statistical data to reveal trends and identify specific areas of focus on accident prevention. Data to analyze includes recordable injury and first-aid logs, safety inspections, and reports of accident investigations, and employee hazards. Look for similarities between the data and job location, type of equipment in use, time of day, and day of the week – as well as when and where near misses have occurred. Be sure to include, and document, observations of employees who work in hazard-prone areas.

Once you’ve completed the JSA and identified the hazards, you can develop and implement such corrective actions as:

  • finding a new way to do the job
  • changing the workplace conditions that create the hazard
  • revising job procedures
  • reducing the necessity or frequency of high hazard jobs or tasks

As part of every accident investigation, review the analysis. If a JSA hasn’t been conducted, perform one to determine the events and conditions that led to the incident.

For more information on this powerful job safety tool, just give us a call.

WATCH OUT FOR THOSE ZOMBIE EMPLOYEES!

By Your Employee Matters

The Gallup 2013 Engagement Survey produced its usual morbid results. According to the survey, only 30% of employees are “actively engaged” (care about doing a great job every day). Another 52% are “not engaged” (otherwise known as “zombies”) and 12% are “actively disengaged” (purposely trying to work poorly, sabotage, cheat time, etc.). In many cases, managers bear the responsibility for these unengaged workers either because they hired the wrong people or failed to provide effective leadership. However, assuming that management did not cause the problem, what can you do to improve the situation?

  1. The Actively Engaged. Learn what makes them tick! Thank them and let them know you love them. Find out how you can hire them at twice the rate. Leverage their enthusiasm to motivate the Zombies.
  2. The Zombies – Give them something to be excited about, like a decent paycheck or a great company party. Then provide them with a sense of meaning in their daily work. Offer additional financial incentives. Manage and coach them actively so they have no choice but to perform. You can also go to the Centers for Disease Control and Prevention web site on how to manage Zombies (http://www.cdc.gov/phpr/zombies.htm).
  3. The Actively Disengaged: If they walked off the job would you be upset – or relieved? In the latter case, make sure you have checks and balances to get them off your bus now! Don’t hesitate to fire these people; the longer you keep them, the greater the risk they pose.

Finally, ask yourself what is motivating or demotivating about your company. Step back and become a keen observer of your own reality.

EMPLOYERS MUST GIVE LACTATION BREAKS

By Your Employee Matters

The Patient Protection and Affordable Care Act requires businesses covered by the Fair Labor Standards Act to allow mothers unpaid break time for nursing their child. All employers are subject to the Fair Labor Standards Act break time requirement unless they have fewer than 50 employees and can demonstrate that compliance would impose an undue hardship. This obligation lasts for at least one year after the child is born.

The law requires the company to provide a suitable location (other than a bathroom )which is shielded from view and is free from intrusion, permit a reasonable break time given the circumstances, and let the worker take as much break time as she needs to express milk. However, here’s little guidance on what constitutes a “suitable location” and the length of a “reasonable” break. For example, the Department of Labor suggests two or three 15-minute breaks during an eight-hour shift. There’s also the matter of tracking for the employee’s time: Is she supposed to clock in and out for every nursing break – or can she coordinate a break with a meal or rest period?

To learn more, go to: http://www.dol.gov/whd/nursingmothers/faqBTNM.htm

http://www.dol.gov/whd/nursingmothers/

http://www.dol.gov/whd/regs/compliance/whdfs73.htm

http://www.usbreastfeeding.org/LegislationPolicy/ExistingLegislation/tabid/233/Default.aspx and finally

your BNA State Law Summary on HR That Works.

MOTIVATING ENTREPRENEURIAL EMPLOYEES

By Your Employee Matters

In a recent survey for the Inc. 500 Companies, entrepreneurs gave these reasons for wanting to work for themselves:

  1. Entrepreneurship has suited my skills and capabilities – 29%
  2. I wanted to be my own boss – 20%
  3. I had an idea I just had to try -18%
  4. I wanted financial success – 11%
  5. I admired and wanted to emulate other entrepreneurs –9 %
  6. Other – 13%

Employers are increasingly challenged to hire quality employees, especially those with an entrepreneurially bent. The question is: why would somebody with these attributes rather work for you than start their own company? What can your business offer these people that they can’t provide for themselves?

Although some jobs (such as piloting an airliner), require working for a large business, many of today’s fastest-growing companies don’t fall into this category. I believe that today’s most successful companies understand that, instead of controlling people as “employees,” they need to liberate them as co-workers and team members. Ask yourself what you can do to help people do their brightest and best work while working for you.

EDITORS COLUMN: SHOULD EMPLOYERS PAY FOR EMPLOYEES’ OBESITY?

By Your Employee Matters

As a result to the Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition (DSM-5) both the American Psychiatric Association (APA) and American Medical Association (AMA) now recognize obesity as a disease that requires medical and psychiatric intervention for prevention and treatment.

In a sense, the medical standard has expanded beyond morbid obesity to include one in three workers! It’s easy to see how the medical and drug community would like to expand their opportunities – and why the obese can be quick to claim that they have a disease for which they bear no responsibility. Combine this level of special interest groups working together with an aggressive EEOC, and you can expect to find many frustrated employers dealing with this issue.

Did you know that binge eating, formerly known as gluttony, is a mental disorder characterized by eating large amounts of food quickly at least once per week for three months? I don’t make this stuff up! How do you accommodate a person who shows up sick the day after one of these binges? Did you know that obesity is a defined primarily by body mass index (BMI), which is a far from accurate indicator of a person’s actual health?

It’s important to ask “Why should I have to accommodate (meaning pay for) an employee’s poor lifestyle choices?” The best justification the AMA could come up with is: “The suggestion that obesity is not a disease, but rather a consequence of a chosen lifestyle exemplified by overeating and/or inactivity is equivalent to suggesting that lung cancer is not a disease because it was brought about by an individual’s chose to smoke cigarettes.” My response is that employers should not have to pay for health consequences of employees who choose to smoke either.

Let’s hope that the EEOC will limit obesity accommodation protection to those who truly have an underlying medical disability and not self-imposed poor choices. Time will tell.