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WORKING ALONE: RISKY BUSINESS

By Risk Management Bulletin

As a business owner, you’re ultimately responsible for the safety and health of all employees – including those who work alone, either off site (traveling salespeople, telecommuters, etc.) or around your facility (such as security guards and night maintenance staff).

To help determine if these lone workers are safe, ask yourself:

  1. Does the workplace present a special risk?
  2. Is there a safe way in and out?
  3. Can one person handle temporary access equipment (such as portable ladders)?
  4. Are there potentially dangerous chemicals or hazardous substances involved?
  5. Does the job involve lifting objects too large for one person?
  6. Is more than one person needed to operate equipment or workplace transport safely?
  7. Is there a risk of violence?
  8. Are young, pregnant, or disabled employees at risk if they work alone?
  9. If the worker’s first language isn’t English, are there arrangements for clear communication, especially in emergencies?
  10. Is the worker medically fit to work alone?

Once these questions are answered, you can reduce the risk to your solo workers by:

  • Establishing a check-in procedure
  • Recognizing that some high-risk activities can’t be performed alone and providing a buddy system for these situations
  • Having the worker meet clients in a safe location if there’s a risk of violence
  • Instructing distant employees not to enter any place or situation that feels unsafe
  • Making site visits whenever possible
  • Staying in touch with the employee by phone, text, e-mail, webcam, or radio.

For more information, please free to get in touch with us at any time.

‘MY EMPLOYEES ARE HONEST – AREN’T THEY?

By Risk Management Bulletin

Smaller companies tend to be more vulnerable than Fortune 500 corporations to theft by employees.

According to John Warren, general counsel for the U.S. Association of Certified Fraud Examiners (USACFA), losses from internal theft are disproportionately high among small businesses. A nationwide USACFA review of more than 1,100 fraud cases found that the median loss in organizations with fewer than 100 employees came to $190,000 – more than half again as much as the $120,000 loss among companies with 1,000 to 9,999 employees.

Check tampering was the most common scam uncovered by the survey, followed by skimming (the theft of unrecorded sales), faked billing, and phony expense reimbursements.

One reason why small companies take a bigger hit is because employee theft is often hard to detect and can last over several years. Most perpetrators aren’t hardened criminals, but rather longtime, trusted workers who have risen through the ranks. “It’s startling how many times people will say, ‘I’ve known this person for 10 years, they babysat my kids,’ ” says the USACFA’s Warren, ” ‘Out of all of my employees, I would have never guessed this.’ ”

Embezzlement usually starts small and then escalates, often triggered by money problems facing the worker. Says one expert, “Any time you have an employee who has financial difficulties, you have the makings of a problem.”

their vulnerability, many small businesses don’t take basic steps to deter employee theft. “There’s a reluctance to think about this, compared to larger companies,” notes Rich Simitian, Southern California managing partner for accounting firm Grant Thornton. “The attitude is, ‘I’ve got too many other things to think about as a business owner.’ ”

We’d be happy to recommend precautions that can help you deter fraud internal fraud.

SHOULDER THE RESPONSIBILITY FOR PREVENTING SHOULDER INJURIES

By Workplace Safety

If your workers need to reach, lift and carry, twist their bodies, or perform other activities that place them under strain, their shoulders might be at risk.

As the most mobile and one of the most versatile joints in the body, the shoulder is highly vulnerable to musculo-skeletal disorders (MSDs). Recovering from these injuries takes an average of 21 days – one of the longest recovery periods for on-the-job accidents.

To help keep your workers’ shoulders healthy, and your Workers Comp premiums under control, we’d recommend these guidelines.

  • Minimize lifting. Provide mechanical assists (carts, slings, dollies, jacks, etc.) to raise and hold objects. Put materials as close as practical to where they will be used
  • Lighten the load. When lifting can’t be eliminated, or when objects (such as tools) must be held at arm’s length, make sure these items are as light as possible, In construction, for example, use lighter-weight building materials. Have a team lift all heavy objects.
  • Control motion. One of the most dangerous situations is a “save” – when a load shifts or slips and a worker attempts to prevent a fall. To reduce this danger, hold work pieces in place using a jack or brace.
  • Improve the grip. Lifting requires more force, and is more difficult (and more likely to cause injury) when there’s no easy way to grasp the object – for example, drywall panels. One solution: apply removable suction handles and temporary handles to flat surfaces.
  • Encourage rest and stretching. Workers can minimize damage from jobs that put stress on their shoulder joints by taking frequent short breaks (15-20 seconds) and stretching gently to relieve tension in over-worked muscles and ligaments.

For more information, please get in touch with our workplace safety experts.

HELP PUT AN END TO WORKERS COMP MALINGERING

By Workplace Safety

It’s frustrating when you suspect that a Workers Compensation claimant is milking the system. However, you can reduce potential malingering significantly if you attend to it from the get-go.

Start by designating a manger as the “firm’s rep,” to ensure that any employee who makes a Comp claim gets a doctor promptly and to inform your insurance company immediately. The rep should transport the employee to the physician, stay at the office during the examination and treatment, and then take him or her home or back to work.

While at the doctor’s office, the firm’s rep should ask the physician about the medical condition, recommended treatment, and a reasonable return-to-work date. If the claimant or physician objects, the rep should assure them that he or she will work with the insurance company to make sure all reasonable and necessary benefits and medical bills are paid.

Resist any employee excuses for not seeing a doctor. If the employee has an attorney, suggest getting a second opinion (which you will provide at no cost). If the claimant already has a doctor, have the firm rep offer to take him or her for a consultation– and ask about diagnosis, treatment, and return-to-work status.

The rep should then: 1) follow up with the employee at least every two weeks – and more often if possible – face to face or by phone; and 2) stay in touch with the claims adjuster to share information about visits with the doctor and claimant that might help him or her return to work as early as possible.

Although these techniques won’t always work, anecdotal evidence suggests that they can reduce malingering claims by up to 70%.

What’s not to like?

DON’T BE SHOCKED! IDENTIFY COUNTERFEIT ELECTRICAL PRODUCTS

By Workplace Safety

Viagra is the most frequently counterfeited product on the market. Running a close second – and of far more concern to workplace safety experts – come electrical components. The Electrical Safety Foundation International has identified more than 1 million fake parts that can easily fail, putting workers at risk of serious injury or death from electrical accidents.

To protect your employees against this danger (and make sure that you’re getting the parts you’re paying for), manufacturers offer these guidelines:

  1. Buy from an authorized dealer whenever possible. However, bear in mind that counterfeit parts are often mixed in with the genuine article, making them difficult for reputable dealers to detect. Also, a broker might be your only source for discontinued items.
  2. Examine the packaging. Check for such obvious discrepancies as logos that are missing or don’t look right, misspelled or badly edited text, etc.; and make sure that shipping documents and parts numbers on the packaging match.
  3. Check the product. To make sure that a part looks and feels right, lay it next to a genuine component and see if they match. If they don’t, have an expert examine the product using a microscope, X-ray, or ion chromatography technology that can detect tampering.
  4. Test the part. Because many counterfeits can pass basic functionality tests, it makes sense to send any suspicious products to an independent lab for testing under a variety of conditions. This is the best way to detect actual manufacturer components that were discarded because of damage or quality control failures. Don’t choose a lab based strictly on price; ask for a detailed listing of its procedures and inspect the facility in person.

WORKPLACE INJURIES – DOES AGE MATTER?

By Workplace Safety

As people retire later, the workforce keeps aging. This trend has been a concern for businesses because the conventional wisdom holds that older workers are more vulnerable to costly injuries, driving up Workers Comp rates.

However, new research from the National Council on Compensation Insurance (NCCI) casts doubt on this conclusion, changing the definition of “older workers.”

After studying injury rates for different age groups, NCCI found that, while workers under 35 had substantially more cuts on their fingers and those over 35 suffered more cases of carpal tunnel and cervical injuries, the numbers are startlingly similar.

What about expense? NCCI concluded that although workers between 20 and 34 create much lower costs (and fewer days lost), once they reach 35 these costs are similar. This redefines an “older worker” as someone who grew up listening to Nirvana instead of Elvis.

Injury prevention for employees – regardless of age –should begin during the hiring process. Once you have a written job description, offer the candidate the job based on his or her ability to do the work with reasonable accommodation. Then have the candidate complete a medical questionnaire to determine if he or she “fits” position. If so, it’s time to get started. If not, to find someone else.

If you haven’t already done so, set up and monitor a comprehensive safety-training program for new hires, Make sure that they remain mindful of how they’re doing their job. Far more injuries result from unsafe acts by employees than unsafe workplace conditions Employees who feel rushed are more likely to ignore safety aside so they can meet deadlines – leading to preventable accidents.

To learn more about keeping your workers safe on the job, feel free to get in touch with us.

THREE WAYS SUCCESSFUL LEADERS FIGHT DISENGAGEMENT

By Your Employee Matters

When Jim Collins, author of Good to Great and other excellent books, spent some time among West Point cadets, he came away with additional insights into the characteristics of successful leaders. Based on this experience, he wrote an article in Inc. magazine that describes a three-part formula for successful leadership in the workplace. Here’s an excerpt:

      “If you want to build a culture of engaged leaders and a great place to work, you need to spend time thinking about three things. 1) Service to a cause or purpose we are passionately dedicated to and are willing to suffer and sacrifice for; 2 Challenge and growth – what huge and audacious challenges should we give people that will push them hard and make them grow?; and 3) Communal success – what can we do to reinforce the idea that we succeed only by helping each other?”

Collins has observed these principles at work in in a number of great companies he studied during their best years – including IBM, Apple, Johnson & Johnson, Southwest Airlines, and Federal Express.

Not a bad way to look at the leadership in your company!

A FEW THOUGHTS ON HIRING LOW-WAGE WORKERS

By Your Employee Matters

Work is as meaningful as we decide to make it, no matter the business we’re in. If your company has low-wage workers, follow these guidelines to hire – and retain –quality employees:

  1. See the lifetime value of a worker in the same way that marketers evaluate the lifetime value of a client.
  2. Brand your company as something more than people who clean toilets, serve burgers, or wash cars.
  3. Consider paying a few bucks more than the competition. As the saying goes “when you pay peanuts, you get monkeys.” In-N-Out Hamburger has exploited this insight for more than 30 years with great success .Their hiring page, www.in-n-out.com/employment/restaurant.aspx, allows them to hire the top 10%.
  4. Attend job fairs and work with community agencies, colleges, churches, and so forth.
  5. Advertise online on Craigslist, Facebook, Twitter, MySpace, etc.
  6. Put some juice into employee referral programs, and use referral cheat sheets – one page documents that describe the opportunity and provide contact information.
  7. Consider an online application process, including kiosks for people who don’t have convenient computer access.
  8. Keep your look and logos fresh and see if you can make them “cool” or “green. Talk about how you provide environmentally advanced or nutritionally satisfying products (Chipotle does this well. See their hiring page at http://careers.chipotle.com/en-us/careers/get_rolling/get_rolling.aspx). Worked for me
  9. Focus on the fact that yours is a steady industry, with room for advancement; encourage your current employees sell the career opportunities. Again, Chipotle does this well.
  10. Show that you care by offering workers cool soccer shirts, English classes, company events, etc.
  11. Have an employee page on your website with video, etc.
  12. Stress the advantages that you offer employees, such as flexible work schedules, paid time off, health insurance, retirement plans, car allowances, and so forth.

SUPERVISOR’S COMMENTS LEAD TO AGE DISCRIMINATION SUIT

By Your Employee Matters

In a case that illustrates how a supervisor’s ill-advised comments can come back to haunt a company, the U.S. Court of Appeals for the Sixth Circuit recently revived a discrimination case by an older employee who had been laid off.

In Sharp v. Aker Plant Services Group, Inc., the plaintiff accused his employer of age discrimination because it terminated him while retaining a younger worker whom he had trained. His supervisor allegedly told him that the company had a succession plan “where you bring in younger people, train them, so that when the older people leave, you’ll have younger people.” The plaintiff also had a recording on which the supervisor said: “We’re all of the same age and we’re all going to retire; I had the opportunity to bring the next generation in, so that’s what we decided to do.”

A lower court held that these statements expressed only a concern for maximizing the firm’s return on investment by retaining employees who would stay with it longer. The appeals court disagreed, arguing that this concern about employees’ potential longevity with the company could be considered a smoke screen for direct evidence of age bias. What’s more, although the supervisor stated that the younger employee was a better performer, he had written a strong letter of recommendation for the plaintiff.

The moral of the story: Keep a close eye on termination decisions that involve older employees.

Article courtesy of Worklaw® Network firm Shawe Rosenthal (www.shawe.com).