Gulfshore Insurance > Gulfshore Blog > Commercial Risk Management

OSHA Top 10 Violations for 2020

The Occupational Safety and Health Administration (OSHA) has announced its preliminary Top 10 most frequently cited workplace safety standards for fiscal year 2020. Although multiple standards swapped positions, the Top 10 violations from FY 2019 to FY 2020 did not change. Ladders (1926.1053) climbed to a top-five spot, and Respiratory Protection (1910.134) rose to the third rank from fifth. Additionally, the data show that Fall Protection – General Requirements (1926.501) is OSHA’s most frequently cited standard for the 10th successive fiscal year.

The Top 10 for FY 2020 are:

  1. Fall Protection – General Requirements (1926.501): 5,424 violations
  2. Hazard Communication (1910.1200): 3,199
  3. Respiratory Protection (1910.134): 2,649
  4. Scaffolding (1926.451): 2,538
  5. Ladders (1926.1053): 2,129
  6. Lockout/Tagout (1910.147): 2,065
  7. Powered Industrial Trucks (1910.178): 1,932
  8. Fall Protection – Training Requirements (1926.503): 1,621
  9. Personal Protective and Life Saving Equipment – Eye and Face Protection (1926.102): 1,369
  10. Machine Guarding (1910.212): 1,313

Jeffrey Sanders, TRIP is Client Advisor at Gulfshore Insurance. Jeff works with a wide range of business clients to deliver strategic risk analysis, guidance, and insurance. Comments and questions are welcome at jsanders@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, home and homeowners insurance, car and auto insurance, boat and yacht insurance, property insurance, umbrella insurance, valuables insurance for fine art, jewelry, wine, and more. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines Florida Legislature Passes Property Insurance Bill to Improve AffordabilityProperty insurance rates are on the rise with insurers reporting $1.6 billion in losses last year. And one of the biggest drivers of rate increases is the extraordinary number of roofing claims in Florida. Florida lawmakers are hoping legislation passed recently will help lessen the blow, but even with the proposed changes, rates may likely keep increasing in the short term.

The recently passed legislation clarifies insurance coverage related to roof damage and replacement; creates a uniform period for filing a claim; requires the insured to notify the insurer before filing a lawsuit; and changes how attorney fees are handled in litigation.

The bill allows insurers to offer homeowners policies that adjust roof claims to actual cash value if the roof is older than 10 years and allows property insurers to offer homeowners the option of purchasing a stated value limit for roof coverage. It also creates a uniform two-year period for filing a property claim, supplemental claim, or reopened claim, versus the current three-year statute of limitations in Florida.

Under the bill, insurers must be notified of claims in detail and given sufficient time to inspect properties before lawsuits are filed.

The bill also changes how insurers are obliged to cover insured’s attorney fees. Whereas currently insurers must pay a fee even if the insured only recovers a small amount, the new legislation means insurers’ obligations will be directly related to how successful the claim was and sets out a “strong presumption” that fee awards should be limited to a reasonable lodestar fee structure.

The legislation is now awaiting the governor’s signature, and we will continue to keep you updated. If you have any questions or concerns regarding this information, please contact us. We are here to assist you and happy to answer any questions you have.

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, home and homeowners insurance, car and auto insurance, boat and yacht insurance, property insurance, umbrella insurance, valuables insurance for fine art, jewelry, wine, and more. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines 6 Essential Truck Driver Safety Tips to Minimize RiskKeeping your drivers safe on the road isn’t just essential for their health and well-being. Their safety directly impacts other motorists on the road, as well as your bottom line. The Department of Labor (DOL) singles out trucking as one of the most dangerous occupations in the United States. In fact, transportation and logistics fleets have some of the highest numbers of injuries and fatalities on the job—and those numbers seem to only grow year over year. By improving the safety of your drivers, you not only ensure their protection, but you can also reduce costs associated with accidents, claim payouts, and rises in insurance premiums. The good news is that you can improve your truck drivers’ safety by creating a work culture that actively coaches, trains, and rewards the safest drivers. Here are 6 essential truck driver safety tips to keep your drivers protected on the road.

  1. Encourage your truckers to practice defensive driving. Drivers are encouraged to reduce the risk of accidents and injuries by anticipating potentially dangerous situations and making safe, well-informed decisions while behind the wheel. By using defensive driving techniques, drivers are less likely to be involved in accidents—so you can worry less about costly repairs, claim payouts, and insurance premiums increases.
  2. Develop preventative maintenance schedules. The safety of your drivers really starts with the safety of the vehicles they’re in. Trucks and tractor-trailers that aren’t up-to-date with their regular maintenance—like oil and brake pad changes—are more likely to break down on the road. Telematics devices offer real-time visibility into odometer and engine data, including fault codes.
  3. Ensure comprehensive pre-trip and post-trip inspections. Hand-in-hand with increasing driver safety through maintenance is using thorough vehicle inspections to ensure all trucks are safe before drivers start driving. While pre-trip and post-trip inspections are required by the DOT, not just any inspection will do. To protect the safety of your drivers, use tools that ensure all inspections are thorough and accurately documented.
  4. Coach drivers to avoid distractions. The Federal Motor Carrier Safety Administration (FMCSA) has identified distracted driving as the number one cause of accidents for truck drivers. Distracted driving is anything that causes a driver to take their eyes off the road or their hands off the steering wheel. Distractions can range from eating lunch while driving to turning out the window to stare at a billboard. But the most common form of distracted driving is cellphone usage, in particular, texting while driving.
  5. Encourage proper rest and breaks. Under HOS regulations, all drivers of commercial motor vehicles (CMVs) are required to take certain breaks before they can continue driving. For instance, under HOS truck driver limits, all CMV drivers must take a 30-minute break after eight hours of driving and a 10 to 11 hour break before coming back on duty. Outside of taking these mandatory breaks, encourage drivers to always prioritize their safety and the safety of other motorists while on the road
  6. Build out coaching and rewards programs with dash cams. An important part of building a safety-first culture is incentivizing and rewarding drivers who embody good driving habits and practices. One of the easiest ways to ensure safety in your fleet is through building out coaching and rewards programs. By introducing dash cams to your fleet, you can use real footage to actually show drivers how to improve their safety on the road.

Nick Wichmanowski a Client Advisor and Partner at Gulfshore Insurance who specializes in construction, landscaping, and the oil and petroleum industries. Comments and questions are welcome at nwichmanowski@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in business insurance including liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, and more. Our insurance and risk management advisors are industry specialists for condominium associations, golf and country clubs, oil and petroleum marketers, construction, landscaping, churches and non-profits, and work comp. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines Motor Vehicle Reports Know Who is Driving on Company BusinessMotor Vehicle Reports (MVRs) have become a critical component to a complete fleet safety program, and are used for protecting a company against litigation following an accident.

When an insurance company runs an MVR check, they will not share the results of that check with the insurance agent, or the employer. They will tell you if the employee is excluded from the auto policy, or not. Just because an employee is “insurable,” does not absolve an employer from any negligent entrustment or other liability for an employee’s acts behind the wheel.

The American National Standard (ANSI) Zl5.l-2006, Section 5.1.3 states: Organizations shall perform applicant background checks, including state motor vehicle record (MVR) checks and reference checks with previous employers in accordance with applicable privacy laws. Organizations shall have a written policy as to what would disqualify an applicant. Organizations shall establish a program for periodically performing and reviewing each driver’s state MVR, to assure that the driver remains qualified.

Here are a few reputable MVR resources to order Motor Vehicle Reports. Please contact each company to obtain current pricing and mention that you are a Gulfshore Insurance client in order to receive a discounted rate.

Insurance Information Exchange
800.683.8553
www.iix.com

Florida MVR
850.894.8201
www.flmvr.com

Samba Safety
866.837.3295
www.sambasafety.com

For your reference, below are some common areas of concern:

  • Drivers with less than 5 years of driving experience
  • Driving while intoxicated
  • Reckless driving
  • Driving with a suspended license
  • Speed in excess of 20 MPH over the posted speed limit
  • Drivers with more than 3 moving violations

 

Dave Wissel is a Client Advisor and Partner at Gulfshore Insurance who specializes in construction, landscaping, and the oil and petroleum industries. Comments and questions are welcome at dwissel@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in business insurance including liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, and more. Our insurance and risk management advisors are industry specialists for condominium associations, golf and country clubs, oil and petroleum marketers, construction, landscaping, churches and non-profits, and work comp. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Commercial Lines 8 Elements of a Fleet Safety ProgramFleet vehicle accidents are among the most costly injury claims for businesses. The average cost of a loss related to vehicle accidents is approximately $70,000. This is almost twice the cost of the average workplace injury ($36,592).

Without a formal fleet safety program, you may be putting the welfare of your employees and company at risk. A generic safety program is better than none. But it is far more effective to specifically design a program for your company and your fleet. A fleet safety program establishes the policies and procedures that are needed to help ensure a safe work environment for employees. It can also help protect against liability from vehicle accidents.

For any company with a fleet of vehicles of any size, a formal fleet safety plan can provide a number of
advantages, including improved safety, employee satisfaction, and the potential to improve fleet efficiency.

8 Essential Elements of a Fleet Safety Program

An effective fleet safety program must be comprehensive, up-to-date, and instituted as a part of your company’s safety culture. It should be thorough, reaching each employee who gets behind the wheel. And the commitment has to start at the top.

  1. Identifying all of your drivers. Businesses may not be aware of the full extent of their non-owned vehicle exposure. You should identify everyone who drives on behalf of the business, even those employees that use personal and/or rented vehicles.
  2. Management commitment. Leadership support of the program can help assure that the program is used.
  3. Screening and selecting drivers carefully. This can help create a reliable, safe team. Without safe drivers, no organization is likely to have a good long-term safety record. Establish clear hiring standards and a thorough screening process for anyone who drives on company business.
  4. Training drivers. This can help to ensure that all drivers understand vehicle safety policies and procedures. All drivers should have access to information on safe driving strategies and techniques, including instruction in defensive driving.
  5. Managing drivers on an ongoing basis. This is essential in helping to ensure that drivers are following fleet safety rules and driving safely.
  6. Managing accidents, when they occur. This can help mitigate accident costs. It also helps you to understand your exposures and can reduce the potential for future losses.
  7. Establishing written policies and procedures. This sets clear consistent expectations.
  8. Formalizing a plan for vehicle inspection, repair, and maintenance. This can help reduce costly, unexpected breakdowns, and can assist in avoiding accidents due to faulty equipment.

Dave Wissel is a Client Advisor and Partner at Gulfshore Insurance who specializes in construction, landscaping, and the oil and petroleum industries. Comments and questions are welcome at dwissel@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in business insurance including liability insurance, property insurance, workers compensation insurance, vehicle insurance, business income interruption insurance, cyber insurance, commercial umbrella insurance, and more. Our insurance and risk management advisors are industry specialists for condominium associations, golf and country clubs, oil and petroleum marketers, construction, landscaping, churches and non-profits, and work comp. Navigating insurance requires an experienced and trusted insurance agent who understands your business risks and exposures. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, Sarasota, Lido Beach, Longboat Key, Bradenton Beach, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.