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Monthly Archives

August 2011

THE CLUE REPORT: DON’T BE LEFT CLUELESS ON INSURING YOUR NEW HOME

By Personal Perspective

If you don’t properly educate yourself on the home buying process, it can very well be like walking into a minefield. Most buyers at least have a novice understanding on areas like their credit, pre-approval, a home inspection, and so forth. However, most buyers don’t have a clue what a CLUE report is, much less what an important element it is when buying and insuring a new home. Considering that around 90% of all insurers underwriting Homeowners insurance subscribe to the CLUE service, it’s certainly something that you should know about.

What Is CLUE? The Comprehensive Loss Underwriting Exchange, or CLUE, is a database that allows Auto and Homeowner insurers to exchange information about property loss claims. Unless your state specifically requires it, prior notification isn’t required before your information goes into the system. ChoicePoint, one of the largest personal consumer data compilers in the United States, maintains the database. Property loss claims and even inquiries into coverage are entered into the CLUE database.

Your insurer can access the CLUE database when you apply for Homeowners insurance on your new home. The system will allow them to see any past claims that previous owners filed on the house. It also allows them to see past inquiries on damages, even if there wasn’t a claim filed. You could find yourself in an insurance nightmare if a bad CLUE report causes insurers to be unwilling to provide you with coverage. Furthermore, it’s not just your new home under scrutiny. Old claims that you made on your previous home are also available through the CLUE database and can affect the cost and/or availability of Homeowners insurance on your new home.

What Do I Do about CLUE? The best thing you can do to keep CLUE from affecting the cost of your Homeowners insurance and/or your ability to obtain insurance is to know your rights. Just as with any other credit reports, CLUE reports fall under the Fair Credit Reporting Act, or FCRA. This means that you’re entitled to certain rights, including the following:

  • Notification if the insurer intends any adverse actions, such as increasing the cost of your new policy’s premiums or denying your new policy, based on the information they obtained from your CLUE report.
  • Get a copy of your insurance scores and the actual CLUE report. The FACT Act is a recent amendment to the FCRA that entitles you to one free copy of your CLUE report per year. Aside from your one free copy, you’re entitled to get another copy of your CLUE report if you’ve had your policy canceled, coverage limited, premiums increased, or an application for insurance denied.
  • Dispute incomplete information or inaccuracies within the CLUE report. You can do this at the ChoicePoint website. ChoicePoint is required by law to investigate your dispute. If you aren’t satisfied with the investigation by ChoicePoint, you can file a statement. This statement must be attached to all future reports.

In summary, you can see how a CLUE report can substantially impact your home purchase. Do keep in mind that you can’t obtain a CLUE report on a home that you don’t own yet. This means that you will need to ask your real estate agent to obtain a CLUE report for any property you’re considering purchasing.

INSURANCE COVERAGE: TO CONSOLIDATE OR NOT?

By Personal Perspective

Keeping in mind that there are many types of coverage and each individual consumer will have different specific insurance needs, there may be several reasons to consider consolidating your various policies with a single carrier. For most people, the pros of consolidation usually outweigh the cons, but here are some points from both sides:

Cost. Consumers often find there’s a cost benefit in consolidating their coverage with a single carrier. While the exact number will vary from company to company, it’s very possible to save 15% or more. Specialist companies still exist, but many generalist insurers have diversified their product lines to include an array of business and personal insurance and financial products. Since an insurance carrier is gaining customer loyalty and reducing their marketing costs when an existing customer purchases additional products, they’re usually willing to pass a portion of their savings on to their consumers.

Gaps. Depending on the types of coverage you’ve purchased and your unique situation, certain coverage gaps could be reduced when you consolidate your insurance portfolio. Take purchasing General and Professional Liability through the same carrier as an example. An accountant, for example, would have little risk of their professional services leading to property damage or bodily injury, but a travel agent, for example, routinely makes professional recommendations that could have physical consequences for their clients. The travel agent might be unaware that a lodging they recommend to a client is undergoing renovations. The client slips and falls due to unsafe conditions and sues the travel agent for not knowing the condition of the lodging before recommending it. If the travel agent has General and Professional Liability through two different carriers, then he/she may find the two carriers pointing the finger in opposite directions and disclaiming coverage. Whereas, if the travel agent has both coverages under the same carrier, then the disclaiming concern is moot since there isn’t another company to point the finger at.

Tailoring. Many carriers have learned to anticipate the common problems associated with coverage gaps, such as in the example discussed above. These carriers have created tailored packaged policies or programs with multiple different coverage options. These options interlock, but don’t unnecessarily duplicate coverage or dangerously leave gaps between coverages. Umbrella policies perform best when written by the carrier of your primary coverage(s).

Cons. As with most everything in life, there are cons to consolidation. It’s important that you look at the financial strength of the insurance carrier. If an insurance carrier is poorly rated by any of the rating services that monitor insurers, then the increased risk of going with an insurer that has questionable financial strength might outweigh any of the cost, gap, and tailoring pros. Another con is that the insurer might quickly change their hunger for a certain product and leave you having to find replacements for multiple policies. Research the company’s track record – have they typically stuck it out during bad and good times or have they timed the market to make a quick dollar and exit? Although most generalist insurers have diversified their offerings, it’s possible to miss out on some coverage benefits still only being offered by specialists.

In closing, consider the above points and how each could or wouldn’t meet your needs. In most cases, you’ll find that coverage consolidation and the right carrier creates a winning scenario for all parties involved.

THE IMPACT OF MOVING VIOLATIONS AND DRIVER’S LICENSE POINTS ON YOUR INSURANCE PREMIUMS

By Personal Perspective

Americans love to hear about point systems. After all, many involve us earning desirable rewards, discounts, and freebies. However, not all point systems are about earning something desirable.

In most states, you earn points on your driver’s license after being ticketed for moving violations like running a red light or stop sign, illegal u-turns, unsafe lane changes, and so forth. Although no driver relishes the thought of paying moving violation tickets, the financial implications are actually much broader when the points accumulate. This could be in the form of higher insurance premiums or even the suspension of your driving privileges. The details of the point system vary by state. For example, some states assess points to drivers that are at fault in an auto accident. That said, most point systems will assess points one of two ways:

1. One point per basic moving violation, with two points being assessed for speeding violations that involve the driver substantially exceeding the posted speed limit. Drivers assessed either eight points over three years, six points over two years, or four points over one year will have their license suspended.

2. Two points for incidences like slightly breaking the speed limit, an illegal turn, or other minor driving violation. Drivers with more serious moving violations, such as running a red light or stop sign, will be assessed three to five points. Drivers that are assessed 12 points within a three year period will have their license suspended.

Should you get a moving violation ticket, you’ll want to look for the vehicle code violation number on the front of your ticket and contact your state department of motor vehicles. Be sure to ask the number of points, if any, the violation carries; how many points you already have; and how many points will result in a license suspension.

These points can cause your insurance premiums to increase by 20% to 30%. Most insurers will regularly review the driving records for all their customers. Depending on your insurer’s policy and state’s laws, some insurers may be able to raise your premiums for just a single point. Most insurers will allow one moving violation every couple of years before they raise your premiums, but check with your insurer to determine their specific policy.

Can I Avoid/Remove Points? You can contest the ticket. This might be especially prudent if your points are nearly suspension levels. Keep in mind that contesting the ticket is an iffy proposition in that avoiding the point will depend on you being successful.

An option that offers more certainty in avoiding the point is paying the ticket and attending traffic school. However, some jurisdictions will not allow anyone ticketed for driving 15 m.p.h. or more over the speed limit to attend traffic school. If you’re eligible, then you may need to attend anywhere from once a year to once every two years, depending on your jurisdiction. Some states will require a court appearance or visit to the court’s clerk to enroll in the class, while other traffic schools are completed online. Some traffic schools give you the basic information with a splash of humor to make it less boring, while others may require you to sit through eight hours of lecture and films on gruesome accidents. In any case, it shouldn’t be too big a sacrifice when you consider the alternative higher insurance premiums from the point(s) going on your record.

Driver education courses, such as a defensive driving class, can help you remove existing points from your license. The department of motor vehicles for your state can give you a listing of applicable options.

In closing, insurers typically either avoid risk or charge exorbitant premiums to take it on. Having a number of moving violations is a strong indicator that you have habits that could lead to costly accidents and claims, and would therefore be a risk to insure. Most insurers do understand that humans err occasionally, but you’ll have the best chance at keeping your rates down by avoiding traffic violations altogether.

NEVER CUT CORNERS WHEN IT COMES TO SAFETY IN THE WORKPLACE

By Unregistered

Some employees are happy to take chances when it comes to safety. They take needless risks in an effort to save time or cut their work load. In reality, all they’re doing is subjecting themselves and others to hazards that could cause a serious injury.

Workers form bad habits when they repeatedly perform their jobs in an unsafe way and don’t get injured. They become convinced that because of their skills they are incapable of being hurt. It’s this attitude that usually ends up doing them in, because they take even more chances until eventually a serious accident does occur. Unfortunately, that one accident can turn out to be fatal.

Most of a chance-taker’s careless acts can be broken down into one of the following categories:

  • Failing to follow proper job procedure
  • Cleaning, oiling, adjusting, or repairing equipment that is moving, electrically energized, or pressurized
  • Failing to use available personal protective equipment such as gloves, goggles, and hard hats
  • Failing to wear safe personal attire
  • Failing to secure or warn about hazards
  • Using equipment improperly
  • Making safety devices inoperable
  • Operating or working at unsafe speeds
  • Taking an unsafe position or posture
  • Placing, mixing, or combining tools and materials unsafely
  • Using tools or equipment known to be unsafe
  • Engaging in horseplay

Although OSHA does not cite employees for safety violations, each employee is obliged to comply with all applicable OSHA standards, rules, regulations, and orders. Employee responsibilities and rights in states with their own occupational safety and health programs are generally the same as for workers in states covered by Federal OSHA.

Employees should follow these guidelines:

  • Read OSHA notices at the jobsite
  • Comply with all applicable OSHA standards
  • Follow all lawful employer health and safety rules and regulations, and wear or use prescribed protective equipment while working
  • Report hazardous conditions to a supervisor
  • Report any job-related injury or illness to the employer, and seek treatment promptly
  • Exercise these rights in a responsible manner

If you are working with a risk-taker, ask him to stop and consider what jeopardy he is putting himself and others in. Then buddy up with him to find a safer way to perform the task. Remember, unsafe actions don’t result in saving time if a worker gets injured in the process.

WHY AN ANNUAL BUSINESS INSURANCE REVIEW IS CRUCIAL TO YOUR EVOLVING BUSINESS

By Business Protection Bulletin

Most new business owners are concerned that everything is favorable for the success and safety of their business, which includes obtaining the protection of business insurance. However, longevity and success can cause complacency. Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. Do you still have the same insurance policies from 10 years ago? If so, you might not realize how under-insured you’ve become. Business owners need to ensure they’re reviewing their business insurance programs annually. Errors happen and circumstances change, even when policies were initially obtained with care and caution. Without yearly examinations, substantial expense and risk can ensue. It’s common for small businesses to start out with basic insurances, such as Commercial Property and General Liability policies. However, as they evolve, most find they need other types of insurance, such as:

  • Excess Liability or Umbrella – covers claims exceeding your standard policy’s limits.
  • Workers Compensation – once your business reaches a certain number of employees, this type of insurance will actually be required in most states to provide payments for an employee’s lost wages and medical expenses following a workplace injury.
  • Professional Liability – covers your service-provided mistakes and usually your attorney fees.
  • Auto, Hired and Non-Owned – protects your business should an employee cause a vehicle accident in their personal or rented vehicle.
  • Commercial Auto – coverage not under personal auto policies, such as to your business and for employees unloading and loading.
  • Employment Practices Liability – coverage for HR issues, such as those related to termination, harassment, and discrimination laws.
  • Directors and Officers liability – financial protection for directors and officers should they be sued for wrongful acts stemming from performance of their duties.
  • Employee Benefits Liability – covers liability issues from an omission or error in the administration of an employee’s benefits that results in the employee incurring a cost, such as a terminated employer losing benefits after not being providing with COBRA information.

Depending on your business, many of these insurances may be essential to adequately protect yourself. An annual insurance review is an ideal time to discuss these insurances, as well as your need for them, with your agent. Ensure the following elements are considered as you begin the review:

  • Revenue – more business is good, but it also means a greater potential for liability. Have annual sales changed?
  • Property – have you added equipment, computers, and such that would create a need to increase your commercial property policy’s limits?
  • Location – your business owner’s or general liability policy could be impacted if you’ve added, closed, or moved locations.
  • Travel – a hired and non-owned auto policy may be needed if your employees are frequently driving rented vehicles.
  • Employees – have you had an increase in your workforce, turnover rate, or use of contractors? Consider employment practices liability insurance for high turnover rates. Workers’ compensation insurance may be a new requirement if you’ve added to your workforce.
  • Services – are you offering additional services? For certain types of work, you may need additional endorsements to your general liability policy.
  • Customers – are you serving new clients or industries? This may cause problems with your professional liability policy if you’re servicing high concentrations of high-risk clients/industries.

The answers will be different for every business and usually won’t remain the same over the business’s life, and that’s why insurance isn’t a one-size-fits-all, unchangeable product. Take advantage of these attributes and annually review your business for exposures and insurance needs. Insurance may not cover everything, but it can certainly mitigate your risks. Start your annual business insurance review today with one of our insurance agents.

PROTECTING YOUR BUSINESS FROM NATURAL DISASTERS WITH A DISASTER RECOVERY PLAN

By Business Protection Bulletin

Of the U.S. companies that are victim to a man-made or natural disaster, the Contingency Planning Research Strategic Corporation says 43% never reopen their doors and 29% are out of business within the following two years. A study by Touche Ross found that companies without a disaster recovery plan only have a 10% or less survival rate. Business owners should be seriously asking themselves whether or not they have an adequate recovery plan for disasters. There are three crucial areas that all disaster recovery plans should cover:

  1. Physical Resources. Of course, the physical assets of a business, such as equipment, electronics, office furniture, and the building itself, are things that usually can’t be quickly or easily replaced if they’re damaged during a disaster. The following are questions that an adequate disaster recovery plan should answer:
    • Are there at least three days worth of emergency supplies on hand to carry the business immediately following the disaster?
    • What steps can you, should you, and will you take to protect physical assets?
    • How would physical assets hold up against various disasters – flood, hurricane, tornado, fire, earthquake?
    • Who will assess the damage to physical assets following a disaster?
    • Has a list been made to prioritize the replacement of key physical assets and what suppliers or companies should be contacted for the replacement?
    • Is access available from an off-site backup system if data and electronics are damaged and how often should backups take place?
    • How will important documents and records be kept secure and protected?
    • Is an alternative facility an option to resume operations if the primary location is unusable and what location and type of facility would be needed?
  2. Human Resources. All employers know that their employees are one of their business’s most vital assets. Therefore, employee safety and the resulting personnel issues that follow a disaster should be a top priority. The following are questions that an adequate disaster recovery plan should answer:
    • Have all staff been adequately instructed on the disaster recovery plan?
    • How will staff find safe shelter?
    • How will contact be maintained with staff during and after the disaster?
    • Are current contact numbers for all staff, vendors, suppliers, and clients available at an off-site location and how will this list be maintained and updated to stay current?
    • Have staff members been identified to assume mandatory or key roles should other employees not be able to resume their roles?
    • Are staff members assigned to form a crisis management team?
  3. Operation Continuity. This component is about getting the business back up and running after the disaster. The following are questions that an adequate disaster recovery plan should answer:
    • Does insurance, in particular business interruption insurance, provide adequate coverage?
    • What amount of cash will be available for emergency contingency expenses? * If the facility isn’t usable, then where should an alternative command center be located to coordinate the recovery? * Is there an alternative list of suppliers to use in the event regular suppliers aren’t operational? * What should be done for clients and customers during and after a disaster?

Employers might further assign specialized teams to be in charge of some of the tasks related to the above points. For example, a post disaster recovery team could manage recovery tasks like getting the business up and running quickly; an administrations team could handle areas like logistics, transportation, and emergency and survival gear; a public relations team could make public announcements and field inquires; a client/supplier communications team could advise vendors and clients of the business’s status; and an IT team could be responsible for software and hardware issues. Remember, disasters can strike with little, if any, warning. Business owners can keep themselves off the wrong side of the statistics by being prepared and being able to get themselves up and running as soon as possible.

PROTECT YOUR CONSTRUCTION WORKERS FROM HEAT STRESS

By Construction Insurance Bulletin

Construction workers are exposed to a number of hazards, from falling objects to chemical substances. However, as summer arrives with its scorching temperatures, workers face a risk that is not only difficult to escape, but often overlooked altogether – heat stress. The main components in preventing heat stress are recognizing the risk and taking action long before it becomes an issue.

Begin by making sure all your workers, including subcontractors, foremen, site supervisors, and hourly employees, are properly aware of the risk from the day they’re hired on. Information on the various types of heat stress, such as heat cramps, heat exhaustion, and heat stroke, should be part of your orientation process for all new hires. Be sure to educate employees on the warning signs of heat stress, such as headache; weakness; mood changes; nausea and vomiting; dizziness; queasiness; fainting; and pale, clammy skin. Encourage workers to periodically assess themselves and their co-workers for any of the signs of heat stress. You might even create a formal buddy system to encourage awareness and the addressing of any incident of heat stress. Workers should be informed how and where they should seek help for themselves or a co-worker suffering from a heat illness.

Of course, such heat stress education must continue beyond orientation. Unless periodically readdressed, workers could forget the signs or what to do in response to heat illnesses. It’s also important that workers are reminded by their supervisors on a daily basis to protect themselves from the heat, as a lot of construction workers seem to think they are impervious to the serious impact heat has on the body.

Whenever possible, it may be prudent to schedule working hours to avoid the hot peaks of the sun. For example, the work day can start early in the morning, break while the sun peaks, and resume in the afternoon. If flexible work schedules aren’t a possibility, then be sure to encourage frequent breaks and hydration. You might also provide your workers with sunscreen.

Personal protective equipment (PPE) can help your outdoor workers tolerate the heat better. For example, you might replace front-brimmed hardhats with full-brimmed hardhats; light-colored glasses with darker safety glasses; and heavy and dark clothes with clothes that have a sleeve, collar, and are of a light weight and color.

Don’t let the sun come down on you and your employees before you take action. Remember, workers being aware of the serious risks that the sun presents and how to protect themselves will be the keys to a successful heat stress prevention policy.

TRY THESE LOW COST WAYS TO IMPROVE CONSTRUCTION SAFETY

By Construction Insurance Bulletin

Some construction firms may view safety programs as just another cost center, something to cut back on during tough economic times. This belief is mistaken for two reasons. First, by helping to lower Workers Compensation costs and uninsured costs, and by helping to attract good employees, effective safety programs actually increase profits. Second, safety efforts do not have to be expensive. With some simple management adjustments, contractors can make their job sites safer without spending a great deal of money.

Perhaps the most effective low-cost way to improve safety is to involve the people who could get hurt. If managers are not tapping the intelligence and creativity of their employees when solving work problems, they are wasting valuable resources. If a supervisor orders an employee to do something, the worker may do it, but his commitment may be superficial. Conversely, if the supervisor asks for and uses the employee’s suggestions, the employee may be more likely to adopt them enthusiastically. There may be several valid reasons why an employee fails to use protective equipment, including:

  • He might not know how to use it correctly.
  • He might believe that the equipment doesn’t work correctly.
  • He might see co-workers disregarding safety rules without consequences.
  • He might be rewarded for not using it. For example, supervisors might praise workers for getting tasks done quickly, even if the workers disregard safety rules.
  • He might be punished for using it. For example, obeying safety rules might slow him up so much that he has to work through breaks to finish on time.

Some of these reasons relate to supervisors’ attitudes; if supervisors give workers incentives to obey safety rules, the workers are more likely to follow them. However, some can be corrected with employee input. The employee may report that a safety harness, while effective at keeping him from falling off a roof, makes it difficult for him to move building materials around the roof. In collaboration, the worker and the supervisor may be able to think of ways to work around the problem. Because he played a role in developing the solution, the worker is more likely to apply it and may even suggest to his co-workers that they do the same.

One very effective way to increase employee acceptance of safety measures is to create a safety committee made up only of non-supervisory employees. The committee should meet at regular intervals to review injury reports and reports of incidents that almost resulted in injuries, identify the causes of these incidents, and recommend corrective measures. Members should suggest recommendations based on their own personal experiences on job sites. Managers should review all recommendations to see how they fit within existing procedures; it may be necessary to change procedures.

During meetings where the supervisor distributes assignments for the day’s work, he should ask the workers whether they have found safety issues that need attention. He should also review the procedures for safe completion of the task. For this to be effective, workers must feel free to speak up and managers must acknowledge their opinions.

Although it is important that managers take workers’ safety recommendations seriously, workers must also remember the company’s bottom line. Unreasonably expensive tools and changes will hurt workers’ credibility and do nothing to improve working conditions. Conversely, if workers make thoughtful suggestions, managers have an obligation to take them seriously. If they do not, workers will lose trust in them. By working together and communicating well, both workers and managers can achieve the ultimate goal: A profitable company where all can work in safe conditions.

ARE YOU DOING ALL YOU CAN WHEN IT COMES TO WORKERS COMPENSATION?

By Construction Insurance Bulletin

Is everything possible being done to protect your company from the costly impacts of Workers Compensation claims? As an employer, you know that injuries will happen. However, this doesn’t mean you shouldn’t try to prevent them by knowing the dynamics and some of the solutions recommended by the experts.

Minor Injury, Major Claim. It’s the small injuries that often result in big claims. Some statistics show that 80% of workplace injuries are inconsequential, meaning they just require first aid or a trip to a physician. Eight percent of such claims are sprains and strains to the neck, back and various joints. However, these types of injuries account for an estimated 80%-90% of the system’s costs. Major claims are likely to follow if the frequency of such seemingly inconsequential injuries isn’t addressed.

Falsified/Exaggerated Claims. Claims that didn’t actually occur or that occurred outside the workplace are only representative of a small fraction of claims. However, employers can implement tip lines, video surveillance, drug screenings both before employment and after accidents, and so forth to reduce false claims.

The larger problem is from exaggerated injuries. Employers can take these steps to address exaggerated claims:

  • Get injured employees immediate and appropriate treatment.
  • Even if duties need to be temporarily modified, get injured employees back to work as quick as possible.
  • Ensure supervisors communicate with injured employees and convey their concern and support.
  • Do as much as possible to reduce the disruption employees may face post-injury.
  • Assess and address behavioral issues that could be driving an injured employee’s disability.

Observing Patterns. Experts have recognized that there are patterns of reoccurring claims within groups, such as among certain industries or particular groups of employees. For example, more injuries may be seen in equipment operators that don’t receive proper eye screenings. Overweight employees tend to have more injuries than those of an average weight. The healing of injuries may be longer and more difficult among diabetic employees. Overexertion, meaning doing too much; too fast; and/or too frequently, is one of the primary causes of sprain and strain injuries. This often comes from an employee demanding more of their body than it’s capable of doing. The challenge is that this is a human behavior. Studies have shown that the majority of workplace injuries are from unsafe acts, not unsafe conditions. In other words, even in the absence of workplace hazards, injuries will happen. Additionally, there are also patterns of reoccurring fraudulent and exaggerated claims, such as an employee that seems to repeatedly have accidents.

Claim Reduction. Begin at the hiring process, ensuring that potential employees are capable of doing the physical and mental demands you’ve listed in the applicable job description. It’s important to understand that injury prevention must be embraced at the leadership level to be effective. Statistics show employees are most likely to have injuries when they feel their management doesn’t care. You might also consider:

  • Excellent workplace safety programs.
  • Efficient communication programs that allow you, injured employees, and insurance adjusters to easily communicate.
  • A post-injury protocol, specifying the immediate reporting of an injury to appropriate personnel.
  • Routing injured employees to seek medical care from a provider specializing in occupational injuries.
  • Staying in touch with both the injured employee and their medical provider, making sure that you communicate your concern and care to the employee as they recover and accommodate any physical restriction recommended by the provider upon their return.

Cost Mitigation. Employers can take several routes to reduce the financial impact of claims. Transitional duty programs that enable an injured employee to continue some capacity of working as they recover would be one example. Research shows that around 40% of employers don’t currently have a transitional duty program. Another example would be referencing treatment guidelines to determine typical recovery times for various injuries. This information can be used to approximate how long it should take an injured employee to be treated and recover. Employers may consider having an on-site clinic for employees to go for both acute injuries and everyday health issues. Partnering with a physical therapy network may be a consideration. Research has shown that companies affiliated with physical therapy networks see injured employees returning to full-duty work 30% faster.

Wellness, Don’t Be Afraid. Lastly, some employers are apprehensive about implementing wellness programs because they’re concerned that participation itself may cause injuries. However, the risk of such is far outweighed by the many benefits of a wellness program, including claim-related benefits like healing faster and being able to resume work sooner. Remember, the success of any program comes from it being accepted from the top down.

HELP KEEP YOUR WORKERS SAFE WITH ROUTINE SAFETY HUDDLES

By Workplace Safety

If you aren’t starting each shift with a safety huddle, you might want to start. Safety huddles are an excellent way for employers to demonstrate their company’s commitment to safety and build a foundation for employee teamwork. A safety huddle is essentially a short safety meeting that involves workers examining a specific hazard or safety topic. Although there isn’t any set way to conduct a safety huddle, the following points should be included for the most effective safety huddle:

  • The topic, place, and time of the huddle should be clearly announced.
  • The meeting should begin promptly on schedule.
  • The details on why the huddle is being held should be explained.
  • The topic shouldn’t get sidetracked with issues not relative to the huddle topic. If an important off-subject topic is brought up by a worker, then it should have a separate huddle meeting at a later time. However, do make sure that the topic actually gets addressed later.
  • Time should be allotted for discussion and questions. Contact your safety representative if the answer to a question is unknown. Never make a guess.
  • The time shouldn’t be spent solely focusing on problem areas and things being done wrong, as workers often have a desire for approval. In other words, be sure to address what is being done right, too.
  • Use examples of real accidents, especially those that hit close to home, as an attention grabber and to back up safety points and regulations.

Who Leads A Safety Huddle? In most cases, a supervisor will take charge of the huddle. After all, the supervisor is responsible for understanding the various projects, the relative hazards, and the employees working on the projects. However, another responsible worker that would take the safety huddle seriously, and isn’t hesitant to speak in front of his/her coworkers could be capable of conducting safety huddles as well.

What Should A Safety Huddle Discuss? A safety huddle should take place at the beginning of each shift and discuss issues such as:

  • Known and potential hazards of new projects.
  • Any general problem associated with off or on-job safety.
  • Any time an accident or close call occurs; be sure to address what caused it and corrective actions.
  • Known or potential job hazards with an overview of the applicable safety rules that help prevent hazards from becoming accidents.

How Long Should A Safety Huddle Last? Given a well-chosen topic, standing workers, and a group that’s able to stay focused and on track, it should only last ten minutes or less. Of course, some topics will be more important or complicated and need longer than ten minutes to be properly addressed. In this case, you might hold the safety huddle in an area that is away from distractions and allows workers to sit down, or break the topic into a series of huddles.

What Size Should A Safety Huddle Be? Try to limit the huddle to ten workers, as larger huddles often make it hard for all the workers to get a chance to actively participate in such a limited amount of time.