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WORKPLACE SAFETY: GOGGLES KEY TO EYE PROTECTION

By Workplace Safety

The American Academy of Ophthalmology states that approximately 2,000 employees incur work-related eye injuries every day. Up to 20% of those injured will become permanently or temporarily disabled due to vision loss. The good news is that up to 90% of all work-related eye injuries can be prevented. Learning how to prevent injury is the key to avoiding what could be a lifelong disability.

Eye injuries can happen in almost any work environment. Grinding, hammering, painting, spraying, sanding, welding, and the handling of acids and caustics can lead to serious eye hazards. Particles of any size can become projectiles. Dust, fumes, intense heat, gases, vapors, and splashing liquids can be generated from your work and can get into your eye, causing serious injury.

Three out of five eye injuries happen because the employee is not wearing any eye protection. The most obvious suggestion for improving your safety is to make sure you wear safety goggles or other facial protection. It is important to realize, however, that these might not protect you adequately.

Almost 20% of eye injuries occur to employees wearing face shields or welding helmets while grinding. Lack of side shields on eye protection is a common cause for injury among those that do wear eye protection. The eye protection you select must fit properly and you must keep it clean. Most employees remove ill-fitting or dirty eye protection, defeating its purpose!

Choose the right eye protection for the job. Options include non-prescription and prescription safety glasses, goggles, face shields, welding helmets, and full-face respirators. The higher quality the eye protection and the better its design, the longer and better it will protect you. As mentioned earlier, make sure the size is correct and the fit is tight. If it doesn’t fit you right, it will not protect you properly. Pick a comfortable goggle or face mask. Fidgeting and adjusting it constantly will only inhibit your ability to perform your job safely.

If you doubt the importance of following eye safety procedures, just consider the value of what you would lose. Close your eyes for just a minute, and imagine the world around you. Don’t take your sight for granted. Protect your sight and ensure your co-workers are doing the same. It could make all the difference.

SCIENCE OF ERGONOMICS: PUSHING AND PULLING

By Workplace Safety

The science of ergonomics focuses on the interactions between work demands and worker capabilities. The goal is to achieve those interactions between the work and the worker that will not only preserve the safety and health of the workforce but also optimize productivity. Applying the science of ergonomics to pushing and pulling tasks produces a number of guidelines for the design of work involving those tasks.

In the first place, it helps to design work to control the amount of pushing or pulling an employee is expected to do. A good example is to set a limit on the number of shopping carts an employee is expected to collect from the parking lot in one trip. When possible, you can limit the need for pushing or pulling by using applicable mechanical aids. Depending on the environment these might include:

  • Conveyer belts
  • Powered trucks
  • Lift tables
  • Slides or chutes

The force required to push or pull can be lowered by reducing the size and/or weight of a load or using four-wheel trucks or dollies. Proper selection and maintenance of hand-trucks and dollies is very important. Wheels or casters should be adequately maintained and bearings should be periodically lubricated. Be sure that the equipment is sized to the task properly, such as with larger diameter wheels and casters for heavier loads.

Floors also affect the ergonomics of pushing and pulling. Floors that are not level increase the difficulty of pushing or pulling, as do floors that are rough. Maintaining floors and applying a surface treatment that reduces friction might be advisable.

Reducing the distance of the push or pull is an easy way to improve the ergonomics. Two examples would be moving receiving, storage, production, or shipping areas closer to work production areas and changing the production process to eliminate unnecessary materials handling steps.

Finally, the actions of pushing and pulling can be optimized by:

  • Providing variable-height handles so that both short and tall employees can maintain an elbow bend of 80 to 100 degrees.
  • Replacing a pull with a push whenever possible. Using ramps with a slope of less than 10%.

Keep in mind that a number of factors influence the ergonomics of horizontal pushing and pulling. These include body weight, height of force application, distance of force application from body (amount of trunk flexion/extension), duration of force applied or distance moved, and the availability of a structure against which the feet or back can push to prevent slippage. For vertical pushing and pulling, the influential factors include grip strength and height of force application. The height determines which muscles will be used. Pulls from above head level allow for the greatest force because body weight can be used. Pulls from more than 10 inches above the floor also allow the greatest force because strong leg and trunk muscles can be used. Pushing across the front of the body involves weaker shoulder muscles so full arm extension leads to a marked decrease in maximum force.

PREVENT BACK INJURIES BY PRACTICING SAFE LIFTING TECHNIQUES

By Workplace Safety

More than one million workers suffer back injuries every year, according to the Bureau of Labor Statistics. In many cases, the cause of these injuries can be traced to the improper lifting of heavy objects.

Learning proper methods of lifting and handling heavy objects can protect against injury and make your work easier. Although these methods might take some time to get used to, over time, safe lifting techniques will become second nature.

Safe Lifting Guidelines

Before you lift an object ask yourself the following questions:

  • Can I safely lift this object alone?
  • Is the load too big or too awkward?
  • Does the load have good handles or grips?
  • Is there anything to obstruct proper lifting?
  • Could the contents of the load shift while being lifted?
  • Is there enough space for easy movement?

When lifting, use the following techniques to protect yourself from injury:

  1. Maintain good balance. Spread your feet at least shoulder width apart. Distribute weight evenly throughout the soles of both feet and keep your feet firmly planted.
  2. Use your abdominal muscles. Tightening these muscles before starting the lift reduces stress on the back.
  3. Bend from your knees. Bending from the knees ensures that weight comes first into the thighs and hips rather than the spine. Don’t lift with your knees locked because the hamstrings will tighten and lock the pelvis into an unbalanced position. Don’t bend from the waist as this places tremendous pressure on the back. Keep the back straight, but not vertical.
  4. Tuck in your chin. Tucking your chin will help keep your back straight.
  5. Grip with your palms, not your fingers. This grip is much more secure than using just your fingers.
  6. Use your body weight to start the load moving, then lift by pushing up with the legs. Using your legs makes full use of the strongest muscles in your body.
  7. Keep the arms and elbows close to the body while lifting to avoid strain on your upper back.
  8. Carry the load close to your body. Use your feet to change direction.
  9. Watch where you are going!
  10. To lower the object, bend the knees. Don’t stoop. Place the load on a bench or shelf and push into position. Make sure your hands and feet are clear when placing the load.

Practice the above steps when lifting anything — even a relatively light object.

If the weight, size, or shape of an object is too much for one person to lift, ask for help. Ideally, workers should be approximately the same size for team lifting. Only one lifter needs to be responsible for control of the action to ensure proper coordination. If one worker lifts too soon, shifts the load, or lowers it improperly, the risk of injury increases.

IMPROVE YOUR SAFETY PROGRAM BY INITIATING A SAFETY COMMITTEE

By Construction Insurance Bulletin

If employees don’t feel involved and represented in their company’s safety program, it is unlikely the program will be successful. A workplace safety committee is a tool that, if created and conducted properly, can increase the effectiveness of a safety program by:

  • Providing structure and assigning responsibility for carrying out a workplace safety program
  • Enhancing a cooperative attitude and bringing together strong interaction among various areas of an organization
  • Serving as a communication vehicle for employees to voice safety concerns
  • Serving as a tool for employers to promote safety to employees
  • Spreading the responsibility of the safety program among employees

A safety committee will only be successful, however, if it is carefully created with structure and support. As with any safety initiative, it is imperative that management be visibly and actively involved. Members should serve on the committee and attend regular meetings. Other committee members should be chosen for their enthusiasm, potential expertise, and communication skills. The committee should include representatives from all the various departments but not become so large that it becomes cumbersome and ineffective.

To ensure that the committee doesn’t become a place for employees just to voice complaints, the committee’s goals should be clear from the start. Its primary role is always to promote and ensure the success of a company’s safety program.

The specific responsibilities of the safety committee might include:

  • Develop strategic safety goals and annual action items
  • Participate in development, monitoring and updating of safety program and possible safety incentives
  • Hold monthly safety meetings
  • Hold regular workplace safety inspections and help identify workplace hazards
  • Participate in accident/incident investigations
  • Ensure maintenance of injury and work hazard records
  • Perform review of illness and injury records
  • Organize regular safety training programs
  • Consult with outside experts when necessary
  • Address employee complaints and suggestions regarding safety issues
  • Make safety recommendations to management
  • Communicate with employees and management about safety issues and goals

Every group needs a leader and a safety committee is no exception. A workplace safety coordinator should be assigned to head the group. For many companies this will not be a separate position but rather an added role to an individual’s existing position. The coordinator is responsible for leading the committee, scheduling and heading safety meetings, serving as a point-of-contact with outside agencies and retaining safety records and documents. Safety meetings should be well documented and the records should be retained for at least a couple years. Many safety committees prepare an annual report to overview the safety trends within the organization, advertise their results, and identify outstanding safety issues.

For companies beginning a new safety committee, the following first meeting agenda is a good starting point:

  • Establish the role and purpose of the committee
  • Discuss the commitment required from each member
  • Develop an agenda for what the committee hopes to achieve, both long and short term
  • Assign action items to the members of the committee
  • Take meeting notes and post the minutes as well as committee goals and action items

HOLD HARMLESS CLAUSES: WHAT YOU SHOULD KNOW

By Construction Insurance Bulletin

HOLD HARMLESS CLAUSES: WHAT YOU SHOULD KNOW

By its nature, construction is a high-risk business. When a loss occurs — for example, a fire apparently started by electrical wiring — each of those involved in the project would prefer that “the other guy” pay for the loss. So-called “hold harmless clauses” in contracts are a way one party assures that the other party will pay for, or share the cost, of a loss. For the owner or general contractor, hold harmless clauses are a way to help keep insurance premiums lower by reducing risk exposure.

Hold harmless clauses tend to generate a good deal of concern and effort, as owners pressure the general contractor, who pressures subcontractors, who pressure their subs, each trying to get as much express indemnification as possible into contracts. Express indemnification secures or protects someone from legal responsibility for a loss — that is, holds him or her harmless.

There are three types of express indemnity clauses typically found in construction industry contracts — including some that can be found in the fine print on purchase orders.

A Type One (also called “broad form”) indemnity clause states that the indemnitor, the party taking responsibility for potential risk or loss, will hold the indemnitee, the protected party, harmless from the risk in question, even if the entire loss is caused by the indemnitee. An example would be if a contractor agreed to hold a project owner harmless for any claims arising from the project, even if the claim was caused solely by the owner’s negligence.

More common is the Type Two (“intermediate form”) clause, which requires the indemnitor to assume all of the risks associated with the subject, but not if the sole cause of risk is attributable to the indemnitee. Typical intermediate form language could include the contractor agreeing to hold the owner harmless from any and all claims arising from the project, provided such claim is caused in whole or in part by the negligent act or omission of the contractor and regardless of whether the claim is caused in part by the negligent act or omission of the owner.

A Type Three (“comparative fault”) clause holds the indemnitor responsible only for the loss caused by the indemnitor, or to the extent caused by the indemnitor. Typically, the contractor would agree to hold an owner harmless from any and all claims arising from the project, but only to the extent the claim was caused in whole or in part by the negligent acts or omissions of the contractor.

Some states have passed laws limiting the types of clauses that are allowed in contracts. Supporters of these limitations argue that the highly competitive nature of the business forces contractors and subcontractors to assume all the liability of a construction project, no matter who is at fault in an accident, if they want to win the bid. If an accident happens, the contractor could be forced into bankruptcy.

The law of the state where the work is performed is usually the law that applies. For example, a Detroit automobile company wrote a construction contract containing a Type Two express indemnification clause for work to be done in Delaware. When a loss occurred and the company tried to hold the contractor to the clause, the Delaware court threw the clause out entirely. Michigan recognized Type Two clauses, but they weren’t allowed in Delaware.

PERCEPTIONS VARY

Feelings about hold harmless clauses generally follow one’s position in a chain of relationships. For the owner or general contractor, hold harmless clauses are always desirable. It’s a different story with subcontractors, although they are often a condition of doing business. It might not make sense, however, to agree to a hold harmless clause with a general contractor who has the reputation of operating unsafely or with outrageous demands, such as holding the architect harmless even in the event of a loss that was solely due to the architect’s error.

DOES YOUR CONSTRUCTION PROJECT REQUIRE A STORMWATER PERMIT?

By Construction Insurance Bulletin

The term “stormwater” refers to any runoff after rain or snow from a barren piece of land, an area with vegetation, or constructed areas like paved streets and rooftops. Stormwater discharges can contain pollutants in large enough quantities to contaminate a water supply. If your construction project will disturb one or more acres of land, you might need a stormwater permit. If your project will disturb less than one acre, but its part of a larger development plan that will disturb one or more acres, you might also need a stormwater permit.

However, the determination of what the appropriate compliance is for your particular construction project is far more intricate than just a “yes” or “no” answer to the above scenarios. There are four criteria, which must be met to determine a permit is needed:

  1. Will your construction project disturb one or more acres of land?
  2. Will your construction project disturb less than one acre of land but is part of a larger development plan that will disturb one or more acres?
  3. Has your construction project been designated by the National Pollutant Discharge Elimination System (NPDES) permitting authority either on the state or federal level as one that must be regulated even though it will disturb less than one acre of land?
  4. Will stormwater from your construction site flow into a separate municipal storm sewer system or a body of water within the United States?

If you answered “yes” to any of the first three questions and “yes” to the last question, then you definitely need a stormwater permit. Keep in mind that in addition to state and federal regulatory agencies, some municipalities are also required to implement stormwater control programs. You need to check with your municipality for its requirements before beginning work on the project.

Your next step is determining whether to apply on the federal or state level. If your project is located in an area requiring a federal permit, you must apply for the EPA Construction General Permit (CGP). If your location necessitates getting a state permit, then you must meet the state’s general permit requirements. You can apply for an individual state or federal permit instead of the general one; however, the individual permit process can be much longer. One of the requirements of the EPA CGP is to assess the potential affects your project will have on federally protected endangered species and on any designated critical habitat on or near your site. Although state permit requirements might vary, the EPA has established some very specific criteria:

1. Develop and implement a Stormwater Pollution Prevention Plan. It has to include:

  • A description of the site that lists sources of pollution
  • A description of methods that will be used to prevent pollutants from contaminating stormwater
  • A description of controls for stormwater flow
  • Documentation that supports that you are not in violation of the Endangered Species Act
  • Documentation that supports that you are not in violation of local Total Maximum Daily Load requirements
  • Clearly outlined roles of different operators
  • The methodology you will use to inspect your site

2. Submit a Notice of Intent (NOI) — This notice begins coverage under the general permit and includes a certification that the activity will not impact upon endangered species or historic places.

3. Submit a Notice of Termination (NOT) — You need to submit this to EPA within 30 days after one or more of the following:

  • Final stabilization has been accomplished on all portions of the site, for which the recipient of the permit is responsible
  • Another operator assumes control over the parts of the site that have not achieved final stabilization
  • The operator has obtained an individual or alternative NPDES permit

EXPLORE PROCESSES TO REDUCE WORKERS COMPENSATION CLAIMS

By Business Protection Bulletin

Attributing a company’s Workers Compensation costs to an individual department encourages managers and group supervisors to pay increased attention to safety and training programs, and to monitor closely the return to work of injured employees. In some companies, as a further incentive to cut Workers Compensation costs, reimbursements from claims are deducted from departmental budgets, rather than a general fund.

By initiating simple internal processes that place responsibility for Workers Compensation expenses on individual departments, employers can take greater control of implementing preventive measures and injury management procedures, thus decreasing the frequency and severity of injuries. As a result of implementing these procedures, a company could reap substantial savings in reduced claims and Workers Compensation premiums.

Employers can meet safety goals by communicating directly with those employees who are potential Workers Compensation beneficiaries. First, a simple analysis should be performed to identify high-risk groups based on a history of injuries and claims. Bringing together employees on a departmental level to discuss the injury management process will improve communication between all parties in the working environment. Having those employees at risk discuss how a job can be performed more safely will reduce injuries. Or conversely, having employees explain how injuries can occur because of faulty equipment or incomplete work procedures will also assist the employer in modifying its safety procedures and work environment.

Too often, workplace injuries are not reported promptly. Supervisors often fail to acknowledge accidents hoping they will disappear without resulting in medical or lost-time expenses. Evidence shows that this practice can result in increased expenses because the initial injury was not reported and treated immediately.

A study of more than 53,000 permanent partial disability and temporary total disability claims indicated the following when compared with claims reported within a week of occurrence:

  • 1-2 weeks after occurrence – 18% more expensive
  • 3-4 weeks after occurrence – 30% more expensive
  • More than a month after occurrence – 45% more expensive

Sharing these sobering facts with managers and supervisors should result in timely reporting of injuries, thus reducing their department’s Workers Compensation costs, and the company’s.

When stressing safety on the job during training programs and reviewing work patterns periodically, the company will help reduce injuries within each department. Once an employee is injured, the goal of the employer and employee should be returning that employee to work as quickly as possible. Both parties should share a common desire for the most effective care, a timely recovery and a quick, safe return to the workplace.

With each department being responsible for its own Workers Compensation costs, departmental managers can be more involved in helping injured employees return to work. Rather than having the injured employee contacted by a third party — usually a claims adjuster or an attorney in some cases, which can develop into an adversarial stance — the employer’s concern and response is conveyed directly to the out-of-work employee.

Although there are a few workers who purposely defraud the system, they are very much the exception rather than the rule. Analyzing Workers Compensation costs on a departmental level makes it more difficult for malingerers to file fraudulent claims.

Although eliminating all injuries or claims is not possible, accidents do happen. It is feasible, however, that the severity and frequency of injuries can be reduced significantly by placing responsibility for maintaining a safe working environment at the departmental level and, in the long run, rewarding the department for reducing claims.

KNOW WHAT’S COVERED UNDER DIRECTORS & OFFICERS (D&O) LIABILITY INSURANCE

By Business Protection Bulletin

Directors and Officers Liability insurance, or D&O, covers corporate activities. Because a corporation is legally a person, as are the directors and officers who direct it, D&O serves to protect each from liability associated with various actions and inactions.

But what happens when corporate interests differ from those of these individuals? In short, the coverage is not the same.

An indemnity policy protects the corporation, while a D&O policy covers the individual acts of directors and officers. The two types of policies can work hand-in-hand to provide complementary coverage. They can also work apart.

NO CRIMINAL ACTS COVERAGE

D&O policies do not cover criminal acts and are primarily for civil remedies, mainly damages. First and foremost, D&O policies represent the interests of the shareholders, as a group, and other corporate constituencies in directing the business and affairs of the corporation within the law.

D&O policies offer individual directors and officers the protection they need from personal liability and financial loss stemming from wrongful acts committed while acting as a corporate officer or director. Most policies also cover the liability of the corporate entity itself when the liability is from a claim involving the company’s purchase or sale of securities.

WHO’S AT RISK?

Keep in mind, all companies — those that employ one or more individuals, work with customers, clients, or even competitors — are at risk. Any perceived violation leaves both the directors and officers of the company, as well as the corporate entity itself, at risk for lawsuit and in need of applicable coverage to adequately protect the business as well as the directors and officers involved.

Employment Practices Liability (EPL) can provide additional coverage, acting like an Excess policy in an employment situation, and can also involve claims by and against management. Enhanced coverage on a standard D&O might cover EPL, but should be verified with your insurance agent.

Actions including wrongful termination or demotion, breach of contract or agreement, negligent evaluation of an employee’s performance, refusal to hire or promote someone, workplace harassment, failure to follow the company’s personnel manual and more, can fall under EPL.

Insurance experts advise protecting yourself and your business with indemnity or D&O coverage and suggest you understand exactly what your policy covers. Remember, if your D&O policy does not cover EPL, you should consider purchasing EPL coverage, or have it written into your D&O policy.

ACCIDENTS CAUSED BY EMPLOYEES USING CELL PHONES: EMPLOYERS MAY BE LIABLE

By Business Protection Bulletin

Cell phones now allow employees to conduct business from nearly any conceivable location, but when that location is a vehicle moving at 60 miles per hour, a dangerous situation can occur for which employers are liable.

Cell phone distraction causes 2,600 deaths and 330,000 injuries every year in the United States according to a study in the Journal of Human Factors, a scientific, peer-reviewed publication. Employers across nearly every industry are now highly exposed to this potentially costly liability.

Huge settlements, including those in the multi-million dollar range, have been awarded to individuals who have been injured in accidents caused by drivers conducting business on their cell phones. An employer can potentially be liable even for accidents that occur during personal phone calls if a company provides a cell phone to its employees or if a cell phone is necessary or encouraged as part of their job.

LEGISLATIVE ACTION

State governments nationwide are acknowledging this danger and are reacting with new legislation. Some states prohibit talking on a cell phone while driving unless a “hands-free” device is used. Other jurisdictions are prohibiting all cell phone use while operating a moving vehicle for certain classes of drivers, such as young drivers and bus drivers.

In order to help protect the safety of employees and others on the road, and also to help mitigate a company’s exposure, employers are strongly urged to develop cell phone usage policies and conduct employee cell phone safety training programs.

Being very cautious, some companies are now requiring a “hands-free” phone, or strictly prohibiting the use of cell phones for business purposes while driving. Employers should know, however, that research including a 1997 study reported in the New England Journal of Medicine indicates that the likelihood of having an automobile accident increases four-fold when talking on a cell phone regardless of whether it is a “hands-free” phone.

Other specific safety guidelines that can be incorporated into a cell phone usage policy include:

  • Dialing only while the car is stopped
  • Not making calls while in traffic or inclement weather
  • Not having stressful conversations while driving
  • Use of speed dialing when possible.

A strong policy should list the disciplinary consequences of not following the cell phone usage guidelines.

Additional measures include equipping company-owned cell phones with a sticker warning of the dangers of driving while talking on a cell phone. Employers can also add language to their cell phone bill reimbursement forms requiring employees to certify that they did not break company policy in using their cell phone.

Although there is no guaranteed release from this new area of liability, companies with strong cell phone policies and training programs do put themselves in a much better legal position. To maximize their protection, companies need to enforce cell phone policies strictly and maintain current documentation. Such documentation should include written acknowledgement of each employee’s receipt of the policy and training, and also records of any violations and disciplinary action.

GET AN EXTRA LAYER OF PROTECTION WITH UMBRELLA POLICIES

By Personal Perspective

Hopefully, you will never be served with legal papers and involved in a costly lawsuit. But in the event you are, it will be imperative that you have the insurance to cover your legal liability. That’s where a Personal Liability Umbrella policy can help.

Umbrella policies supplement the liability coverage you have through Home and Auto insurance and provide an extra layer of security by protecting your assets that might be at risk in a liability lawsuit.

If you don’t have enough liability coverage from your Homeowners and Auto policies to adequately resolve a claim, the person suing you can go after your home and your other assets to pay for damages. Umbrella policies cover damage claims that you, your dependents, or even your pets might cause.

Umbrella policies kick in after, and pay in addition to, your Auto and Homeowners insurance liability limits. The bulk of the risk is assumed under the primary Auto or Home policy, which enables insurers to offer Umbrella policies at very reasonable costs.

However, most insurance companies will not sell an Umbrella policy unless both your Auto and Homeowners insurance is with them. In addition, your insurer may stipulate that your Auto or Homeowners liability limits be at least a certain amount, such as $200,000 to $300,000. Umbrella policies are generally sold with a deductible that might run anywhere from $250 to $1,000, pocket change if you’re being sued for millions!

Umbrella policies provide much broader coverage in case you are sued, covering you if you cause bodily injury, property damage, or personal injury. Certain Umbrella policies also cover you if you face liability arising from your service on the board of a civic, charitable, or religious organization.

Umbrella policies typically do not cover claims from business endeavors. If you own a business, even a small one, you’ll need to purchase Business insurance to protect yourself from business-related liability claims.

To determine if you need an Umbrella policy, analyze your risk of being sued and the assets you have at risk. Do you have a swimming pool or trampoline that could pose a threat to visitors? Of course, you might decide that your personal situation makes lawsuits very unlikely.

Before making any decision, compare the umbrella premium with the cost of raising the liability limits on your Auto and Homeowners policies. It may work to your advantage to raise these current limits by several hundred thousand dollars, and you might come out spending less than you would on Umbrella policy premiums.