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Accidents involving vehicles or mobile equipment (excavators, dumpers, etc.) on building sites kill more than a dozen workers a year and injure hundreds more. To help make sure that your workers and outsiders can move around your job sites safely,and keep your insurance premiums down, experts recommend using this checklist: Keep pedestrians and vehicles apart: have separate entry and exit gateways for pedestrians and vehicles provide safe pedestrian walkways that take a direct route where possible make sure drivers with access to public roads can see both ways don’t block walkways or vehicle routes install barrier between roads and walks Minimize vehicle movements: provide offsite parking control entry to the site have storage areas so that delivery vehicles don’t have to cross the site Control people on site: recruit drivers and equipment operators carefully make sure that drivers, operators, and those who direct traffic are trained manage the activities of visiting drivers Maximize visibility: provide mirrors, CCTV cameras or reversing alarms designate signalers to control maneuvers by drivers or equipment operators install lighting for use after sunset or in bad weather make sure that all pedestrians on the site wear high-visibility clothing Provide safety signage and instructions: ensure that all drivers and workers know and understand the routes and traffic rules on the site use standard traffic signs where appropriate provide safety instructions to all visitors in advance For a comprehensive – and free– review of vehicle and mobile vehicle safety practices on your job sites, just give us a call. We’re here to help at any time.

Here are some featured markets we thought you might be interested in taking advantage of: Contractors General Liability, Property and Casualty Insurance Agents Errors and Omissions (E&O), Garage Service & Repair Insurance, Wind Deductible Buy Back Insurance, Maritime Workers Compensation, Restaurant Insurance, Hard-to-Place Property Insurance, Builders Risk Insured by Zurich

Our focus in the workers compensation division is small and mid-sized employers. With our six workers compensation carriers, we have the broadest class appetite and most competitive rates available. We are proud to provide you commissions that are among the highest in the industry. We offer an easy to use online rating system that allows you immediate access to a majority of our available classes of business. Most other risks are quoted in-house, assuring you of flexibility and quick turnaround. You will have access to our experienced, knowledgeable, and resourceful team of underwriters and support staff that have specialized exclusively in workers compensation for the past ten years.

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There are good reasons to take safety seriously. In 2012, there were, on average, 89 workplace fatalities a week.1 An estimated $1 billion is paid by employers in direct workers compensation costs every week.2 A safe work environment does not happen by accident. Management must be fully engaged in creating, planning, implementing, communicating and making sure safety programs work and are designed to fit the business. Most importantly, employees have to understand their role in making their workplace safer. Eight Key Components of a Safety Management Program Your safety management program should incorporate the following 8 key components: Demonstrate management involvement – Management must lead by example. A visible demonstration that you embrace a safety culture is imperative to its success. Provide the essential time, budget and resources to create and support a safety program. Communicate your safety plan clearly – Your safety plan must be published and available to all employees. Reminders and updates should be timely and effective. Allow employees to contribute their suggestions to making the workplace safer. Get everyone involved – A safety program is likely to be more effective when employees at all levels are involved. Standardized policies should outline responsibilities and accountability for all employees. Safety goals can become part of job descriptions and employee reviews. Safety committees can help ensure that safety practices are understood and reinforced throughout the company. Positive reinforcement of safe behaviors can be an effective way to help build the desired culture. Train your employees to work safely – Safety training should begin from the moment an employee is hired. Ongoing training is also essential to creating a safety culture. Review, revise, improve – A safety program should be dynamic, especially since most business environments continue to evolve.  An effective safety program should be flexible enough to adjust to changes. Regularly review, evaluate and identify risks that could affect safety, and make the changes necessary to keep your workplace safe. Create safety standards - Each department should set safety standards through a Job Safety Analysis (JSA) to make sure every task is done correctly and safely. Recognize good safety performance, and cite and correct unsafe practices. Investigate every incident and accident thoroughly – Properly trained staff with experience in investigation, analysis and evidence collection should conduct an accident analysis as soon as possible after an incident. Report the claim within 24 hours to help ensure prompt response and injury management. Manage every injury – Even with the best safety program, an employee injury can still occur. Planning helps you to react immediately when an employee is injured on the job. Learn about five strategies that can help you put employees on the road back to productivity. While initiating a comprehensive program can seem like a major hurdle to safety, we can help businesses like yours take the necessary steps to begin creating a safety culture. Get Manufacturing Resources that Can Help You Turn Risk into a Business Advantage > Sources: 1 https://www.osha.gov/oshstats/commonstats.html 2 https://www.osha.gov/dcsp/products/topics/businesscase/costs.html

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