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... unsafe condition caused by non-employees, such as contractors. 7. Keep all aisles and stairways clear. 8. Maintain a safe clearance for equipment through aisles and doorways. 9. Walk only in approved walkways. 10. Be especially careful in strange environments-such as a manufacturing plant would be to an office worker. Reprinted with permission from Safety Information Currents, Vol. IV, Number 6. Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for ... your feet instead of twisting the trunk of your body. 11. Watch for protruding nails, sharp edges, and other dangerous surfaces of the object being lifted. 12. Keep fingers away from pinch points. 13. Wear protective gloves. 14. Use hand trucks and other appropriate equipment to help lift. 15. If the object is overhead, grip it with your palms up. Lower the object slowly. Keep the object as close to your body as possible. Watch out for any protrusions. Rules for Carrying 1 ... below knee level or above shoulder level is more strenuous than lifting between these limits. Obstructions that prevent an employee's body contact with the object being lifted also generally increase the risk of injury. Installation of mechanical aids such as pneumatic lifts, conveyors, or automated materials-handling equipment. In a recent study it was determined that up to one-third of compensable back injuries could be prevented through better job design (ergonomics) . Other factors include frequency of lifting, duration of lifting activities, and type of lifting, as well as individual variables ...

... years on their retrospective rating program. A sweater factory went from $470,000 in paid claims and reserves for two years prior to the initiation of a safety program to only $45,000 after the program's first year. Similar results were achieved at a manufacturer of vibration-isolation equipment. The traditional agent's role has been to write the policy and handle accident reports. I believe that agents can become proactive missionaries for safety and loss prevention. Imagine, we could have 20,000 missionaries preaching that the the cheapest accident is ... only safety professionals responsible for results. In smaller enterprises, the agent can become a major influence in molding these elements together. The effort should be made not just for the sake of safety, but to improve morale. For instance, a sanitary district had special trucks to pick up heavy items, such as refrigerators and washing machines, but did not supply its workers with hand trucks. The workers had to move heavy items manually from the curb to the truck-not a safe environment. The employees thought I was a miracle man ... . That's only the beginning. I encourage a more hands-on approach to safety. Agents can make a real difference by helping the employer establish safety committees. Why is this important? Studies show that 90% of all accidents are caused by employees rather than by faulty equipment or conditions. Turning over the responsibility for safety and accident prevention to employees, through safety committees, is the only sure-fire way to achieve lasting results. Through my experience, I am more convinced than ever that the only successful approach to safety is to implement ...

...e injuries or illnesses. One-fourth of all compensation indemnity claims invol...s a manufacturing plant would be to an office worker. Reprinted with permissi...

... driver. The other driver may then sue Curbside, arguing that a defect in its truck caused the accident. Employees using tools are especially prone to making claims like this. Employers Liability coverage is the remedy in a situation where an injured employee sues the faulty tool's manufacturer, and then the manufacturer sues the employer for poor training or maintenance of equipment. Unlike Workers Compensation benefits, Employers Liability coverage goes beyond the workplace and the physical effects of the employee's injury. It handles claims by relatives or dependents who sue for loss of ... sued by a third party because the injured employee has sued the third party. Let's assume Curbside Concrete's employee is injured in an accident while driving a company mixer and sues the other driver. The other driver may then sue Curbside, arguing that a defect in its truck caused the accident. Employees using tools are especially prone to making claims like this. Employers Liability coverage is the remedy in a situation where an injured employee sues the faulty tool's manufacturer, and then the manufacturer sues the employer for poor training or maintenance of equipment ... Unlike Workers Compensation benefits, Employers Liability coverage goes beyond the workplace and the physical effects of the employee's injury. It handles claims by relatives or dependents who sue for loss of care and services that were once provided by the injured employee-or relatives sue for consequential bodily injury (for example, loss of sexual functioning) . Finally, Employers Liability addresses dual-capacity situations. Consider this example of dual capacity: Mike, the building maintenance worker, is injured while installing a basketball hoop in the company gym by a drill manufactured by his employer ...

... employees or fewer-now make up 95% of all American businesses. Many are so fo...duce Workers Comp costs. He's also a professional member of the American Society of Safety Engineers.

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Workers Comp policies go by the official name of 'Workers Compensation and Employers Lia...ar every year, and insurance companies offer competitive premiums to attract b...

... a great example for independent insurance agencies. Independent hardware store A probably has 1/20th the floor space, stock, and selection of the competition. However, there's plenty of variety among the items they carry. For example, they carry parts for every sink manufacturer. So even though I can't buy a sink at Store A, I can find the parts to fix any sink. More importantly, someone is always available to tell me how to do the repair and help me get the right part the first time. ... class of customers, Store B also successfully cross-sells its customers clothing, hunting and fishing equipment, toys, and animals. The key is that the clothes are Western-style or work clothes ranchers and farmers like. The toys are things like tractors, plastic animals, and trucks. Store B found that it can sell its customers almost anything related to farms and ranches. Small independent agencies can thrive by identifying a type of business that large agencies inadequately service. Identify a group of clients, become experts in their business and their needs-and ... them all the coverages they require. Independent agencies, even small ones, definitely have a bright future. They need to do something special like the two small hardware stores. Offer better service related to a specific product or offer better service to a select group of customers-and you can sell those customers everything. Chris Burand can be reached at Burand & Associates, LLC, PMB 345, 1829 S. Pueblo Blvd., Pueblo, CO 81005, (719) 485-3868, fax (719) 485-3895, E-mail [email protected ...

...s, definitely have a bright future. Offer better service related to a specific product or offer better service to a select group of customers, and you can sell those cust...l like the two small hardware stores. Offer better service related to a specific product or offer better service to a select group of customers-and you can sell those cu...