What To Do If You’re Stuck In Your Car In High Water

When you’re in your car and you approach high water or get stuck in a flash flood, the actions you take could save your life. Know what to do when you’re stuck in your car during a high water event.

Avoid High Water When Possible

Even if the street is covered by water, turn around. It’s easy to underestimate the water’s depth and flow, and your car could be swept away in water less than two feet deep.

Remain Calm

Take a deep breath. You need to keep your wits and conserve oxygen and energy.

Call 911

Alert authorities about your predicament, but only call 911 if it’s safe for you to do so.

Get to High Ground

As soon as you realize your vehicle is surrounded by water, get out of your vehicle and seek high ground. Never remain in your car if you can possibly escape safely.

While escaping to high ground, grab obstacles if possible. Remember to always move above rather than under obstacles, though, to reduce your risk of getting stuck under water.

Prepare for Escape and Rescue

You may be unable to get out of your vehicle if it’s surrounded by fast-moving water, but you can take steps that improve your chances of escape and make it easier for rescue crews to reach you.

  • Turn on the vehicle’s headlights and hazards. This step improves visibility for emergency rescue crews who may be searching for you.
  • Unlock the doors. You might need to open them to escape or allow rescue crews to reach you.
  • Unbuckle your seatbelt. Improve your escape options and prepare for rescuers.
  • Roll down the window. As long as your car isn’t completely underwater, the electric window mechanism should work, giving you an option to escape through the opening. Don’t break the window, though, because the water pressure will push the glass toward you.
  • Take off your jacket. Less weight improves your escape chances.

Open the Door

If all other escape methods fail, wait until the water almost fills the cabin. The water pressure inside the car now equals the pressure outside, and you can open the door and escape from your vehicle.

Do Not Stay with the Car

After you successfully escape from your car, get to higher ground and call 911. Don’t stand on the car, hold onto it or return to your vehicle even if the water recedes because you could be trapped underneath or swept away.

Purchase Adequate Insurance

While auto insurance won’t protect you from a high water event, you want adequate insurance to cover damage, repairs or vehicle replacement. Check your policy coverage today as you prepare for any weather.

Top Tips To Avoid Repetitive Motion Injuries On The Job

Performing the same motions every day at work can strain your muscles, joints, ligaments, tendons, nerves, and other soft tissues and cause repetitive motion injuries. While you could file a Workers’ Compensation claim to cover medical, temporary disability and rehabilitation expenses, prevent a repetitive injury in the first place with these top tips.

Improve Your Posture

While sitting at your desk, working on the assembly line or operating equipment, align your ears, shoulders and hips. Maintain the correct posture throughout the day to protect your body.

Take Frequent Breaks

Regular breaks give you the opportunity to change positions, properly align your joints and stretch your muscles. Every hour, take a five-minute break to stand up or step away from your workstation, walk around and stretch.

Implement Safe Lifting Techniques

Lifting and moving heavy, moderate or light objects over and over increases strain and puts pressure on your back, arms and legs. Start every lifting movement with the proper posture. Then strive to lift with your back, keeping the weight of the object as close to your waist as possible. Never lift with your back. Utilize these tips as you lift objects so you can avoid injuries.

Check Your Chair

A quality office chair or balance ball assists you in maintaining the right posture. Sit in your chair and ensure it’s ergonomic and comfortable. Ideally, the armrests and height should adjust to fit your body, and the chair should swivel so you don’t have to reach awkwardly for objects. Always sit in the chair and test it out before you buy it.

Redesign Your Workstation

Small changes in your workstation can prevent repetitive motion injuries. Start by wearing supportive footwear and using an anti-fatigue mat. Then perform a variety of movements or tasks during your shift and ensure you can both sit and stand as needed, if possible.

Get In Tune With Your Body

Pay attention to your body as you protect yourself. Pain or aches in your hands, arms, neck, shoulders, or back might be the first sign that you need to take a break and realign your posture. Ignoring these signs could potentially aggravate injuries and prolong your recovery, so talk to your supervisor and take action as soon as possible.

Pay Attention During Safety Trainings

Tune into the helpful information shared during company safety training events. You will learn valuable tips you can implement as you prevent repetitive motion injuries and related injuries.

Repetitive motion injuries affect your ability to do your job and may require time off work or surgery. Implement these top tips as you avoid repetitive motion injuries and protect yourself every day.

Your Business Needs Cyber Liability

In today’s high-tech world, individuals can carry thousands of client files on flash drives in their pockets or purses. People are conducting business on the go and sensitive information is accessible at the click of a button. Managers are using their laptops or tablets through “hot spots” at local coffee shops to access customer databases. Healthcare professionals shopping at supermarkets can get patient files on their smartphones.

If you think of information security breaches primarily in terms of malicious hackers cracking the networks of big corporations from thousands of miles away, think again.

The hacking of such corporate giants as Global Payments, Epsilon, and Sony prove that size and sophistication can’t stop data thieves. However any company that stores customer information in electronic format is vulnerable to cyber privacy liability exposures than can cost megabucks – or even put a firm out of business – which means they need insurance against these risks.

Cyber Liability coverage can protect your business against breaches of privacy from unauthorized access, physical taking, or the mysterious disappearance of confidential information that leads to third-party losses resulting from identity theft. Depending on your needs, the policy can also provide a variety of coverages, such as Business Interruption, Cyber Extortion, and Systems and Data Recovery. Other options can cover the cost of contacting those affected by the data breach, computer forensics to analyze the breach, fines and penalties, potential HIPAA (client medical records) exposures, and online activities on your company site.

The development and expansion of Cyber Liability coverage during the past two decades has paralleled the explosive growth of computer technology: Today’s policies are increasingly comprehensive – and inexpensive.

What To Compare As You Shop For Cybersecurity Insurance

Cybersecurity insurance covers liabilities your company faces if you’re the victim of a cybercrime. While important, not all cybersecurity insurance policies are the same. Find the right coverage for your needs and vulnerabilities when you compare several cybersecurity insurance features.

Coverage

Your cybersecurity insurance policy can include coverage for a variety of pre-loss and post-breach events.

  • Fraud
  • Data breaches
  • Extortion
  • Forensics
  • Customer notification
  • Business interruption
  • Public relations
  • Regulatory fines

With your insurance agent, decide which of these coverage types are necessary for your business. Consider the most expensive consequence of cybercrime for your business, and at least get coverage for that area. For example, your most expensive costs may come from notifying the public, investigating the incident or covering business interruption costs. After you determine which types of coverage you need, review different policies to ensure they meet your needs.

Policy Language

Different cybersecurity insurance carriers use different names for policy features. For example, companies can use “data breach fund”, “event management” or another name when describing the money allocated to handle a privacy event. Carefully read the policy and ask your insurance agent to verify any language you don’t understand. Then ensure you compare the same items as you shop around for coverage.

Exclusions

Be aware of policy exclusions that limit your coverage. Exclusions can include:

  • Acts of terrorism.
  • Events caused by employee negligence.
  • Failure to maintain security standards.
  • Third-party providers your company hires to perform business operations or store and manage data.
  • International locations.
  • Employees who work from home or travel.

Review these and other exclusions to ensure your business remains adequately covered by your policy.

Triggers

A trigger describes the event that launches your insurance coverage. You may wish to pay extra for coverage that’s triggered immediately when the issue happens rather than days or weeks later when you notice it and file a claim, but verify that your policy includes this option.

Customer Service

Ensure you receive the best possible care after you file a claim when you evaluate a company’s customer service. Ask for details about the investigation process and how long it takes to pay a claim. Check online ratings, too, for insight from other customers.

Price

Instead of automatically choosing the policy with the lowest bottom line, be sure your policy has everything you need. Also, remember to calculate how much a cybersecurity incident will cost your business as you choose insurance that could ultimately save you thousands of dollars and save your company from financial ruin.

Cybersecurity insurance protects your business. Use these tips and talk to your agent as you compare coverage and purchase the right policy for your needs and vulnerabilities.

Pre-Existing Conditions and Workers Compensation

Any kind of insurance is a double-edged sword, and it often feels like each party is on the wrong side of the deal. Those who have insurance feel like they can’t get a break when they need help, and those providing the insurance often feel like everyone has their hand out for everything under the sun. Add into this that there are a select subset of the population taking up most of the available healthcare resources and the insurance fraud that occurs on a regular basis, and you can see why it can make the case of pre-existing conditions even trickier. We’ll look at what you need to know in the case of workers comp.

The Straight Facts 

Obviously, you do not want to preclude a perfectly capable employee just because they have typical problems like a heart condition or knee problems. However, there have been cases where this has been known to cause disputes. Employees may blame something related to their condition by something that happened at work, and while you aren’t required to pay out for this, the burden of proof will now be put upon you to come up with evidence that their working was not responsible and that their pre-existing condition was. You are only held responsible if their condition worsens due to being on the job. For example, if someone has a back condition and there is no reasonable accommodation to get them ergonomic equipment, then you may be found at fault.

What You Can Do 

Documentation is highly encouraged for all employees, but be extra careful for those with pre-existing conditions. Have employees sign off on forms that acknowledge the steps you’ve taken to reduce the likelihood that they will be injured on the job. Also, try not to take any chances. If you have someone with a knee injury who really shouldn’t be lifting heavy objects, then don’t ask them to fill in if that’s not within their job description. Too often the needs of the moment outweigh the needs of the future. If you make too many risky moves though, then chances are you’re going to land yourself in some type of hot water. Especially considering that back pain is extraordinarily common, it’s a pre-existing condition that simply can’t be taken lightly.

Additional Considerations 

Each state has their own specifications regarding pre-existing conditions. For example, if the original injury was not from on the job, then insurance may deny the claim. The same goes if it can be proven that a worker operated outside their doctors orders. Any type of lie made by the employee is the best way to build a case that their claim is fraudulent.