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HOW TO MAKE YOUR HOME UNATTRACTIVE TO A BURGLAR

By Personal Perspective

When driving down a street at night looking at houses, you are most likely drawn to the house with exterior lighting, neatly trimmed landscaping, and lights on inside. That’s because the house looks inviting and well cared for. Now imagine a burglar is driving down the same street. The things that drew you to the previous house are the same things that will turn that burglar away, looking for better opportunities. A property with no exterior lighting, overgrown landscaping, and possibly no one at home, invites criminal activity.

It is important to note that burglary is a preventable crime. Common sense dictates some of the steps you can take toward making your home safer and less attractive to burglars. The following are some general tips you should incorporate into your routine that can make the difference between the burglar stopping at your house or passing it up for another one further down the road.

The first line of defense between you and a burglar is to secure your home properly. Make sure your yard, driveway, and all entrances to your home are well-lit. Consider the use of lights on a timer or photocell, which turns lights on automatically at dusk and shuts them off at dawn. Trees and shrubs around windows should be cut back so you don’t give a burglar a place to hide while preparing to enter your home.

If you are going to be away from home for a period of time, leave a light on. Lights left on indoors, especially those on a timer that turn on when it gets dark and shut off at bed time, can be a deterrent to a burglar. The goal is to make it look as if you are home. Ask a neighbor to pick up your newspapers and bring in your mail. Along the same lines, if you will be gone for an extended period, arrange for your lawn to be maintained. Permitting your grass to grow high or get dry is a sign of neglect and can invite unwanted attention. If you have a garage, use it. Parking inside your garage on a regular basis makes it more difficult for a burglar casing your home to know whether or not you are really there.

Burglars will usually spend about five minutes trying to get inside your home. Make that task as difficult as possible by doing the obvious: Lock your doors and windows! If you forget to lock your back door, this can be viewed as an invitation by a burglar looking to get into your home quickly. In addition to the obvious, avoid spring bolt locks. It takes only a credit card to push open the bolt and allow access to the inside. Deadbolt locks should be installed on all exterior doors. The American National Standards Institute (ANSI) has established testing and ratings for deadbolt locks. Grade 1 locks are the best, with Grade 3 locks being easier to penetrate. Look for Grade 1 locks when shopping for a deadbolt. A key lock or pin-type lock works best for patio door, or any door with glass that could be broken easily to access a knob on a deadbolt. Heavy-duty strike plates should also be used to prevent a burglar from successfully kicking in your door.

When purchasing a new home, make sure all locks have been changed. Also, think about calling a reputable locksmith who can advise you on proper locks for doors and windows. Carefully preparing your home, including adequate locks, lighting, and regular maintenance, can make the difference between a burglar deciding to make a stop at your house or to keep driving.

FIND AFFORDABLE CAR INSURANCE FOR YOUR TEEN DRIVER

By Personal Perspective

If your teen is getting ready to put their hands to the wheel, it’s time to think seriously about Auto insurance options a dreadful thought for many parents, but with a little research and careful planning you might be able to obtain affordable Auto insurance for your teen. Let’s explore some ways to lessen the cost of your teen’s Auto insurance.

Proper Driver Training

Many teens opt for driver’s education in high school, and this is a wonderful way to decrease your teen’s Auto insurance rates right from the beginning. Many Auto insurance companies offer discounts to those who have completed a driver’s education course successfully. Not to mention driver’s education provides proper on-the-road training for your teen. The instructor can teach all the written and “unspoken” rules of the road while also showing proper driving techniques, including defensive driving. Knowing how to drive properly helps decrease the chances of careless driving, thus making your teen a much safer driver.

Law versus Fun

Emphasize to your teen that although driving is fun, it’s also a serious responsibility. Make sure they understand how the law works and the stiff penalties for speeding, racing, careless driving, drunk driving, running stop signs or red lights, not wearing seatbelts, parking in undesignated areas, etc. Explain that even one traffic offense can eliminate their chances for affordable Auto insurance in years to come, and might even cause them to lose their driving privileges for a while.

Does Your Teen Make the Grade?

Some insurers offer discounts to students who keep their grades up. This is somewhat of a reward for you as a parent and for your teen if they get good grades or maintain a high GPA (grade point average). Your Auto insurance company might offer this discount because insurers feel that a teen who demonstrates responsibility and carefulness in school is more likely to do the same while behind the wheel of an automobile. This can be used as an incentive for your teen as well. You might even offer a bonus allowance to your teen for keeping their grades up, using the money you’ll save with cheaper Auto insurance!

Choose Cars Wisely

Teens and sports cars – these words shouldn’t be used in the same sentence if you’re shopping for Auto insurance. Insurance companies frown upon teens buying or driving sports cars, even if the teen is a safe driver. Sports cars in general tend to carry higher insurance rates for drivers of all ages, but teens are especially vulnerable to temptation when it comes to showing off their new car and testing how fast it will go. Opt for a sedan or family-style car with all the safety features possible. The good thing about safety features is your insurance company might offer discounts for certain safety features such as anti-lock brakes, air bags, added frame support, and others.

Opt for an Add-On to Your Policy

When your teen first starts driving, consider adding them to your current insurance policy for a while. You can do this as long as you remain the primary driver of your vehicle. Then your teen will be able to enjoy the lower rates based on your discounts and age. If they only have a learner’s permit, check with your insurance company to find out if they should be added to the policy as a driver. Most will cover teen drivers automatically under your policy while driving with a permit.

Shop for the Best Deal

If you’re shopping for an Auto insurance policy for your teen, you’ll be surprised at the differences among companies. Every company varies in what it considers to be “high risk” drivers. Some insurers specialize in insurance for young drivers and are able to offer cheaper rates than others. Also, compare each company’s discounts for teen drivers. Some might offer more discount opportunities than others.

Having a teen driver creates awareness about road safety and Auto insurance like nothing else. Use these tips to guide you as you shop for Auto insurance that will provide the most coverage for your money.

ENSURE COMPLIANCE TO SAFETY PROCEDURES WITH BEHAVIOR MODIFICATION TECHNIQUES

By Business Protection Bulletin

A key step to implementing any new workplace program successfully is to gain complete acceptance by employees. That means not only must everyone on the job accept the changes, they truly must embrace them for the changes to really take hold. The best way to achieve that kind of commitment is to make the changes a part of your corporate culture. Mostly everyone would agree that no program is more important to make a part of your culture than a safety program.

The most effective way to convey a message to the group is also the most simple: Through language. Every organization has its own language, including terms that are common to everyday practices. Safety terms will become part of your company’s culture when they become part of every facet of the job. Workplace safety practices need to be communicated, and enforced. Safe as well as unsafe behaviors need to be outlined and posted, where all employees have an opportunity to observe them. It is critical that new employees be given a course concerning safety procedures, and understand fully the consequences of ignoring them.

In addition to employees understanding safety guidelines, it should become common practice and custom to carry out the safety rules. An organization’s customs are the accepted methods for getting things done on a regular basis. Although you might have clearly explained the consequences for violating safety practices, this is not always enough to ensure compliance. Compliance can be especially difficult for workers who have been on the job for a long time.

Long-term employees often develop a rhythm — a system of shortcuts, which helps them complete tasks quickly and efficiently. Sometimes the practices they use involve risks, but they avoid any adverse effects because they understand the risks, what kind of threat they pose, and how to countermand those threats. Often times, these workers continue to operate below the radar and management believes they are following correct procedures. However, they could be undermining any attempt to incorporate safety as part of the organization’s culture, because junior employees often mimic their behavior.

The best way to ensure compliance to safety guidelines is through behavior modification. This is a management technique that uses both positive and negative reinforcement to instill proper safety procedures. Employees are either rewarded in a tangible, visible way for promoting safety; or they receive negative consequences for ignoring safety practices. The best safety incentive an employer can offer is a monetary incentive. With monetary incentives, employees are given a bonus for completing the job without any safety violations. On the other hand, they are fined for unsafe behavior. The dollar amount of the reward or fine doesn’t have to be large to be effective; the fact that a behavior results in either a good or bad consequence is what motivates. The motivation is reinforced by the fact that employees are watching each other and more importantly, comparing.

Last but not least, there needs to be a clear indication that safety is a No. 1 priority. There should be an active safety committee and participation at meetings should be encouraged. When employees observe hazards, they need organized procedures to report and correct the dangerous situation. Most importantly, the outcome should be that the danger is eliminated and everyone on the job site must know how it has been corrected, especially if the correction required instituting a new procedure. It is extremely important that employees see positive results from their safety procedures, so that they will continue to be diligent in their future safety efforts.

TAKE SEVEN STEPS TO REDUCE THE RISK OF EMPLOYEE FRAUD

By Business Protection Bulletin

Most business managers and owners are well aware of the threat of loss from outsiders, and use a variety of methods to reduce this risk. From locks on the doors, to security guards and dogs, to complex electronic burglar alarm systems, many preventative steps are taken. However, it is often the case that less attention is dedicated to reducing the risk of theft by an insider. No one wants to believe that an employee would defraud the company of money deliberately. Most people want to trust their employees, and rightly so. But it only takes one bad apple to do significant damage. Depending on the person’s position within the company, and the length of time the theft continues, substantial losses can result. Business owners often have a tendency to believe “it can’t happen here.”� Unfortunately, employee fraud is quite common. Furthermore, no risk reduction measures can be guaranteed to keep it from ever happening or detect every instance.

Having said that, loss control experts recommend two general approaches to reducing vulnerability to theft by insiders: Measures to decrease the probability that employees will commit the crime, and measures to increase the perceived probability of discovery and punishment. Below are seven tips to help with both approaches:

  1. Institute an anti-fraud policy. Many employers wrongly assume they don’t need to discuss insider theft, since their employees know it is wrong. But experts say a strong, written anti-fraud policy, published in the employee handbook and/or posted on employee bulletin boards, helps prevent insider theft. The written policy reinforces the employer’s intent to maintain an honest, ethical environment, as opposed to one where it is regarded as common practice to steal from the employer.
  2. Ask employees to report suspected fraud, and provide guidelines for reporting fraud. Employees need to understand how to report any suspicion of fraud or theft. Honest employees will usually report fraud when there is a good policy for doing so. They are more likely to say nothing if they are not sure how to report the suspicious behavior of a co-worker.
  3. Maintain a business climate of loyalty and trust. Expectations influence behavior. When you expect employees to steal, some are more likely to do so, reasoning that there is no point in behaving honestly if they are already suspected of being dishonest. Maintaining an atmosphere in which employees feel trusted and valued and are rewarded for loyalty helps prevent insider theft.
  4. Encourage ethical business practices. The typical employee thief is often a first-time offender who rationalizes his or her behavior to avoid having to face up to their criminality. Employees who have a weak moral character are more likely to act on it in an environment where they see the business engaging in unethical practices. When the company promotes and rewards ethical business practices, the risk of insider theft goes down.
  5. Compartmentalize job functions. When the same person both approves and pays invoices, it is especially easy for a dishonest employee to submit bogus invoices and then pay them. Compartmentalizing duties helps to prevent this type of scheme.
  6. Ask your accountants to look for red flags that could indicate fraud. Among the methods accountants often recommend are accounting controls, built-in detection mechanisms, and reconciliation of records. Businesses increase the probability of discovery with frequent audits that include steps to uncover fraud. Make sure that accountants understand that you view the discovery of insider theft as an aspect of their duties and services. Utilize your accountants to survey either all employees or randomly chosen employees from time to time, asking whether they are aware of any misappropriation of company money, property, or resources.
  7. Look into any tips about employee fraud. Many dishonest employees are first brought to their employer’s attention as a result of a tip from an unhappy spouse or significant other. These tips should be investigated objectively. Sometimes employers ignore such tips, because they trust the employee in question, only to find out later that the tip was accurate. In such cases, the amount of the theft could have been lessened by taking the initial tip seriously.

In summary, to reduce the risk of insider theft, the employer’s position should be one of trusting employees in general not to steal, while at the same time being proactive about measures to help keep workers honest. Most employees will never engage in schemes to defraud, but unfortunately, there are always some who will. The dishonest employees are often the very people the employer would be least likely to suspect.

EXERCISE CAUTION TO PREVENT EMPLOYEE CLAIMS OF INVASION OF PRIVACY

By Business Protection Bulletin

It’s not easy being an employer. The business must offer competitive wages and benefits without over-paying. It must keep employees happy but still maintain workplace discipline. It must protect its customers and its assets without seeming to distrust its employees. Without being overbearing or acting as a strict parent, it must ensure that employees are doing their work and doing it well. Many employers, using modern technology, are keeping an eye on workers — literally. A 2007 study by the American Management Association and The ePolicy Institute revealed that:

  • 66% of employers monitor employees’ Internet connections
  • 65% use software to block employees’ access to some Web sites
  • 43% monitor employees’ e-mail
  • 45% monitor the time employees spend on the phone and the numbers they call
  • 16% record employees’ phone conversations
  • 9% monitor voice mail messages
  • 7% monitor employees’ job performance using video surveillance

Also, in certain industries employers search workers’ workstations and lockers, perform drug tests and physicals, investigate their backgrounds, and even monitor their activities outside of work. When an employer disciplines or fires a worker based on information it learned through one of these methods, the worker might become angry enough to sue the employer for invasion of privacy. Although federal and state laws generally permit employers to monitor workers’ activities and use of employer property, some suits succeed and all of them divert financial and human resources away from the employer’s main business. There are several things employers can do to avoid this.

  • Establish a workplace policy about non-business phone and Internet use, and include it in the employee manual. The policy should describe the extent to which the employer will monitor phone and Internet use, if any, and the consequences should employees violate the policy. Ensure that employees are aware of it by discussing it at staff meetings and asking them to document that they have read it.
  • Be careful about audio recording conversations. Although state and federal laws generally permit employers to use video monitoring of employees, some restrict the ability to make audio recordings or to listen in on conversations. Employers should become familiar with the wiretapping laws in their states before using audio monitoring.
  • Keep employee e-mails confidential. Employers have the right to monitor their employees’ use of the business e-mail system, but making e-mails public (absent some legal or business requirement) might violate employee privacy rights.
  • Include in the employee manual a written policy regarding employer searches of desks, workstations, and lockers. This should describe the employer’s right to conduct searches, the reasons it may do so, and the consequences should an employee refuse to cooperate. Conduct searches only when absolutely necessary for business or legal reasons, and take care to respect the employee’s dignity by doing the search out of the view of other employees.
  • Perform drug tests for legitimate business reasons and at appropriate times, such as during the hiring process and following a workplace accident. If the employer will administer random drug tests, it should have a written policy stating as much in the employee manual and it should conduct the tests with as little privacy infringement as possible.
  • Obtain a job applicant’s written consent for a background check, and investigate only those factors relevant to the position. For example, a credit check might be appropriate for a position that requires handling money.
    Keep employee information safe from individuals outside the company. Instruct managers and staff not to discuss personnel matters with outsiders and employees who do not need to know the information.

Employers must run an efficient operation, maintain a safe workplace free of harassment, make employees feel comfortable in their work, and make a profit. Following these steps will reduce the chances of employee lawsuits and allow the business to focus on its core mission.

WILL YOUR INSURANCE POLICY INTERFERE WITH YOUR CONSTRUCTION CONTRACT?

By Construction Insurance Bulletin

Construction contracts typically include insurance requirements for the subcontractor to meet. For example, the contract may require the sub to carry Commercial General Liability insurance with limits equal to or greater than a specified amount, such as $1 million per occurrence. It may also require the policy to include specific coverages, such as for liability assumed under contracts or for completed operations, and it may require the policy to name the owner and general contractor as additional insureds. These agreements are between the owner or general contractor and the subcontractor. As insurance consultant Don Malecki pointed out in a recent article, however, insurance companies are beginning to insert their own requirements into the writing of contracts by including special endorsements in their policies.

One endorsement he described affects the insured entity’s premium. The endorsement requires an insured who subcontracts work to obtain certificates of insurance from all subcontractors showing that the subs have certain coverages with at least the limits of insurance specified in the endorsement. Further, the endorsement requires that the subs’ insurance companies hold A.M. Best ratings of “A minus” or higher and be size class VII or higher; name the insured (the general contractor) as an additional insured on ISO endorsement CG 20 10 07 04 or a broader endorsement; and cover the general contractor on a primary basis. This endorsement does not affect whether the insurance company will pay for losses arising out of a subcontractor’s work for the insured. Instead, it affects the premium that the insured pays. When the company performs the premium audit after the policy term expires, the auditor examines the certificates of insurance the insured collected during the term. They compare the certificates with the insured’s records of subcontracted work. For every subcontractor from whom the insured failed to get a certificate or obtained a certificate that did not meet the endorsement’s requirements, the company charges a higher premium. Insurance companies calculate premiums for subcontracted work by applying a rate for every $1,000 of subcontract cost. This company charges one rate for subcontracts that meet the endorsement’s requirements and a much higher one for those that do not.

Another example Malecki gives is of an insurer actually requiring its insured contractor to include specific wording in its contracts. In his example, the company is demanding that the contract require the subcontractor to waive any immunity or limits it has for liability beyond Workers Compensation benefits for injuries to employees. Other companies may require special hold harmless wording, such as wording that indemnifies all of the general contractor’s owners, officers, directors, employees, and other interested parties from all liability resulting from any cause of loss. This provision may cause problems for the sub, as it may extend far beyond what the sub’s insurance company is prepared to cover. For example, by requiring indemnification for loss resulting from any cause, the wording implies that the sub will be responsible for pollution incidents. However, virtually all standard general liability policies exclude coverage for pollution.

Contractors should work closely with our insurance agents to determine exactly what requirements, if any, their insurance companies are imposing on their contracts. Some of these requirements might be steps that the contractor should contemplate taking regardless. However, contractors need to become informed about these requirements, so they can make appropriate plans and decide whether to accept coverage from a company that requires this.

EMPLOYEE TESTING NOW EASIER THANKS TO SUPREME COURT RULING

By Construction Insurance Bulletin

Many organizations use tests to help them evaluate prospective employees or candidates for promotions. The tests help employers measure a person’s aptitude for a job or how well the person will fit within the organization. Some small businesses have job candidates take personality tests. A chain of video rental stores requires prospective employees to take a long multiple-choice exam similar in format to the Scholastic Aptitude Test.

Employers like to use these tests because they theoretically provide objective measures of a candidate, shielding the employer from accusations of illegal discrimination or favoritism and giving them a handy way to compare multiple candidates for the same job. However, the use of employee tests carries risks, though a 2009 U.S. Supreme Court decision lowered those risks for employers.

Title VII of the federal Civil Rights Act of 1964 requires employers to meet standards that, in this case, conflicted with one another. It prohibits employers from intentionally discriminating in employment decisions on the basis of race, color, religion, sex, or national origin. It refers to such discrimination as “disparate treatment.”� It also forbids some employment practices that, while appearing to be neutral, have a disproportionate effect on members of minority groups (what the law calls “disparate impact”).

The city of New Haven, Connecticut ran into this conflict when it administered tests to measure the readiness of city firefighters for promotions to officer status. Though the city took great pains to design and administer a fair test, almost twice as many whites passed as did blacks, and Hispanics fared even worse. Fearing a lawsuit based on the disparate impact of the test, the city decided to throw out all the results. This decision led a (mostly white) group of firefighters who had passed the test but not received promotions to sue the city, claiming that the city discriminated against them because of their race. The trial court and a federal appellate court sided with the city, but the U.S. Supreme Court ruled in favor of the firefighters.

The court acknowledged that an employer could be liable for the disparate impact of a promotional exam. However, this would be the case only if the exam was not related to the job and necessary for the business, or if the employer had the option of using a different, non-discriminatory exam and chose not to use it. The court further said that the city was wrong to throw out the test results merely because it did not like them. To justify throwing out the results, the city had to show that the test’s construction and content discriminated against minorities. Noting the efforts the city made to ensure a fair test, the court concluded that the exam was not disparate treatment. The decision set a standard for discrimination claims: Title VII allows corrective action for racial discrimination only when strong evidence exists that the employer would have been liable for disparate impact even if it had not taken the particular action.

The federal Equal Employment Opportunity Commission advises employers who use tests to do the following:

  • Administer tests without regard to race, color, national origin, religion, sex, disability, or age.
  • Ensure that the tests are validated properly for the particular positions and purposes to which they apply.
  • Identify and use alternative selection procedures when a test screens out a protected employee group.
  • Update tests so that they reflect changing job requirements.
  • Ensure that hiring managers understand a test’s effectiveness and limitations for predicting future job performance.

Used properly, tests can be a useful tool for evaluating job candidates, but employers must recognize the pitfalls into which tests can lead them.

UNDERSTANDING THE WORDS “PRIMARY AND NONCONTRIBUTORY” IN A GENERAL LIABILITY POLICY

By Construction Insurance Bulletin

Construction contracts often require a subcontractor’s General Liability insurance policy to name the owner or general contractor as an additional insured on a “primary and noncontributory” basis. This seemingly simple requirement can cause a lot of difficulty and might hamper the sub’s ability to start the project. The International Risk Management Institute recommends that risk managers not include this requirement in contracts. Insurance agents can add wording to a certificate of insurance only if the insurance company approves it. Insurance companies tend to resist adding this language to their policies and certificates. Why are the words “primary and noncontributory” such a problem?

In liability insurance claims, when two policies cover the same loss, one usually applies on a primary basis and the other on an excess basis. This means that one will pay first (the primary policy), and the other will pay only if the primary policy either does not cover the loss at all or if the amount of insurance is not enough to pay for the entire loss. For example, if the primary policy has a limit of $1 million for each occurrence and the amount of the loss is $1.5 million, the primary will pay its limit of $1 million and the other policy, which applies on an excess basis, pays the remaining $500,000.

If both the general contractor and the subcontractor have bought modern editions of the Insurance Services Office’s Commercial General Liability Coverage Form, the subcontractor’s policy is primary automatically. The form’s wording makes the insured’s coverage excess over any policy that has added the insured as an additional insured by endorsement. Therefore, the “primary” part of the requirement is a minor issue.

The “noncontributory” requirement is more of a problem. Most contracts do not define the term’s meaning, and most insurance policies and endorsements do not include it at all. The GC may believe it means that its policy will not pay even on excess basis; if the sub’s limit of insurance is not large enough to cover the loss, the GC may expect the sub to pay the remainder out of pocket.

The standard additional insured endorsement to a general liability policy covers the additional insured with respect to liability for injury or damage caused at least in part by the sub’s acts or omissions. It also covers liability for acts or omissions of those working for the sub. Coverage lasts as long as the sub has ongoing operations for the additional insured. It does not say anything about the additional insured’s coverage being noncontributory. This is the problem: It is not standard insurance industry practice to cover additional insureds on a noncontributory basis. Insurance companies are reluctant to change that, as they want the additional insured’s coverage to contribute toward paying for the loss. A GC has less incentive to prevent losses when it knows that its own insurance will not be needed.

If you run into this requirement, notify one of our agents immediately and ask the insurance company to provide the coverage. If it won’t, you must notify the GC and negotiate alternative terms in order to avoid breaching the contract. The GC may agree to accept the standard endorsement with a promise not to reduce its coverage. You should also consider asking about seeking this coverage at the next policy renewal. Most importantly, understand what the contract requires and ask questions about provisions that are unclear. No one wants to find out after an insured loss that you must pay part of it out of pocket.

CONDUCT INSPECTIONS AND TRAIN EMPLOYEES TO PROMOTE SAFETY WHEN USING HEAVY EQUIPMENT

By Workplace Safety

Safety is a concern in every workplace. It might come as a surprise to some employees that their own safety, as well as the safety of their coworkers, is not reliant on the mechanical health of company equipment alone. In fact, the way you handle the training your company provides to you, as well as the safety guidelines of the workplace, go just as far to ensure safety as properly working equipment does. Let’s examine the three main components of workplace safety and the conservative guidelines that should be followed in each.

Safety Component One: Equipment Safety

  • Make sure that equipment is inspected each day before it is used. Some of the items to look for include:
    • Are the headlights and taillights functioning properly?
    • Do the reverse lights and sounds work?
    • Do the brakes (including the emergency brake) work?
    • Is the windshield free from any obstruction?
  • Ensure that the equipment is maintained on a regular schedule. Your company should have a routine maintenance schedule for all heavy equipment. Be certain to adhere to the schedule.
  • Be aware of new problems. If you are the normal operator of a piece of equipment and notice that it is not behaving as efficiently or it’s in a state of disrepair, bring your concerns to the attention of your supervisor immediately.
  • Always use the equipment as you were trained to and in a manner consistent with what the equipment was developed for.

Safety Component Two: Training

  • If you use heavy equipment, make sure you fully understand how to use it and inspect it. If you believe your prior training is insufficient, make sure to mention that and ask for additional resources.
  • Stay up-to-date with the various hand signals that OSHA requires crane operators and signal men to utilize. Realizing that you’ve forgotten some of the signals right as you need to use them is extremely dangerous. If you were to communicate the wrong message, you could be putting yourself and others at serious risk.
  • Take all workplace training seriously and always pay attention to the task at hand.

CLEAN AND TIDY WORKPLACE MAY BE MORE CRITICAL THAN YOU THINK

By Workplace Safety

Good housekeeping is the first step to a safe workplace. Although vehicular maintenance and equipment safety are important issues, it is also necessary to pay attention to the little things that are often overlooked, like general workplace cleanliness. General cleanliness encompasses the day-to-day duties that every employee handles during the work hours — from keeping the sink clear of sharp knives to putting away materials that are no longer in use. Although you might chalk up many of these actions as common sense, you would be surprised by how many accidents are caused by a general lack of cleanliness.

Step 1: Pay Attention to the Floors

Employee trips and falls are painful, expensive and can result in a loss of mobility that impacts the employee’s life both on and off the job. Basic guidelines should be followed for workplace cleanliness and organization, to minimize the possibility of accidents:

  • Keep floors clean so that they do not become slippery. Make sure to clean up tracked in water and mud, spilled chemicals and oil.
  • Place “Wet Floor”� signs on the floors when necessary. And when you observe these signs, avoid walking in that area by taking another route.
  • Clear all debris or piles from paths in your workplace. Stacks of paper, piles of loose tools, and anything that does not belong in a walkway should not be in a walkway.
  • Make sure equipment and materials used in your workplace have safe and proper storage places. The storage areas should not block walkways or impede travel throughout the building.
  • If you notice any loose floor tiles or carpeting, or protruding nails and screws, notify your maintenance department.
  • Walk in designated walkways. In factories, machine shops and other workplaces, taking shortcuts by walking in between machines and assembly lines can be perilous. Instead, use the designated walkways in your area.

Step 2: Prevent Potential Hazards

From chemical spills to falling objects, the potential hazards in any workplace are staggering. Safety is everyone’s responsibility. Keep these simple tips in mind each day, and you can help reduce the likelihood of injuries.

  • Do not stack or put away objects and materials so they overhang or stick out of the place in which they are kept.
  • Never pile papers or stack other objects so high that they become unstable.
  • Make sure pallets are always stacked in a neat pile with no pallets sticking out.
  • Keep a clear route to sprinklers, lights, electrical equipment, vents, fire alarms, and fire extinguishers.
  • Make certain hazardous chemicals are stored properly and in the correct, clearly labeled containers. Always keep them sealed according to factory instructions, and never leave them out where they can be tripped over or accidentally spilled.
  • Be sure to keep oil away from other debris.
  • Dispose of all chemicals and trash properly.

By practicing these good habits on a daily basis, you not only reduce the likelihood of an accident or injury, but you also create a cleaner, more efficient workplace that improves the attitude and energy level of everyone at the job site.