For these reasons, all contractors should make protection against extreme weather conditions part of their regular safety procedures. Some regulations from the federal Occupational Safety and Health Administration require this. For example, one regulation requires employers to provide personal protective equipment and special training to workers if they will work under conditions so severe that they qualify as environmental hazards. Among the required protective equipment is clothing to cover an employee’s eyes, head, face, arms and legs. Another regulation requires employers to provide equipment protecting employees from over-exposure to the sun.
Some steps contractors can take to prevent illness or injury resulting from weather conditions are:
Workers should dress in layers during the coldest weather and should, to the extent practical for the work, keep exposed skin covered with gloves, hats, and scarves to protect against frostbite. During hot, sunny weather, employees should wear wide-brimmed hats, long-sleeved shirts made of light material, and ultraviolet-resistant sunglasses. They should also apply sun block at regular intervals during the day.
In addition to higher Workers Compensation costs, employee injuries and illness rob a contractor of the productive services of good workers, divert management’s attention from the core business, and make the employer less attractive to good, skilled workers. Although contractors cannot completely protect their workers from the effects of extreme weather conditions, with some simple steps and training they can make losses from these conditions less likely and less severe.
To help you make sure make sure that your business has the right Commercial Auto policy at the right price, we'd recommend following these guidelines:
Make sure to cover all vehicles that your employees drive on company business. This could include vehicles that employees own, lease, or rent - as well as those that the company owns.
Determine whether you need Personal or Commercial Auto insurance. You might be able to save money by covering vehicles with a less expensive Personal Auto policy in some situations -- for example, by registering title to a vehicle in your name. However, if the company owns the vehicle, you'll need Commercial Auto coverage. Bear in mind that a Personal Auto policy should include the contents of the vehicle, as well as medical costs if a driver suffers an injury on company business.
Be sure to comparison shop. Because every insurance company sets Commercial Auto premiums and coverages in its own way, prices (and values) can vary significantly. Because we represent a variety of companies, we can offer professional advice on finding a policy that's tailored to your needs -- and pocketbook. Just give us a call.