Gulfshore Insurance > Gulfshore Blog > Commercial Risk Management

The central event in the business operation of any community is the meeting of the board of directors. Whether the board meets monthly, quarterly, or somewhere in between, this is where all of the work of the many volunteers and professionals involved in the operation of the community is weighed and the decisions made that affect every member of the community.

Oftentimes, these meetings can feel unproductive or unsuccessful; however, certain practices and preparations can lead to better attended and more effective meetings for your association.

In order to make the most of the time available and get the most out of your meeting, everyone involved needs to be on the same page and focused on the business at hand. Pre-planning and proper preparation of meeting materials will help keep everyone moving forward. Read more

Real change in safety performance will come about with a change in the safety culture of an organization. Think about the change in the use of seat belts from 30 years ago to now. What got people to put them on without even thinking about them? Gory accidents? Probably not. It was leadership backing up a change in behavior, and then repetitive education, enforcement, and encouragement. Change in culture requires consistent leadership and repetition. A systematic change in the values of the target audience is needed, not a new priority that comes and goes with funding priorities. There are certain steps safety managers can take to make safety a greater value to management and front-line employees. Here are nine steps to a successful safety culture: Read more

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The Occupational Safety and Health Administration (OSHA) announced Jan. 8, 2013, that at least 1,260 randomly selected workplaces will be inspected as part of the agency’s 2012 site-specific targeting (SST) program. The inspections will be conducted throughout 2013 and will focus on workplaces that have more than 20 workers and higher-than-average injury and illness rates. Read more

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Insurance analysts predict modest rate increases for property and casualty risks will extend into 2013, as the overall economic environment is not expected to change dramatically in the coming year. Read more

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OSHA recently unveiled the top 10 violations of 2012. It was no surprise that familiar violations from the past few years crowded the list. Fall protection led the list with more than 7,000 violations, followed by more than 4,500 violations of the hazard communication standard.

Most Cited Violations of 2012

  1. Fall Protection (29 CFR 1926.501) 7,250 violations
  2. Hazard Communication (29 CFR 1910.1200) 4,696 violations (mainly due to lack of training, labeling fail, access to MSDSs and lacking correct MSDSs)
  3. Scaffolding (29 CFR 1926.451) – 3,018 violations (Big problem, people using scaffoldings as ladders and ladders as scaffolding, assuming one could work for the other.)
  4. Respiratory Protection (1910.134)
  5. Ladders (1926.1053)
  6. Machine Guarding – General Requirement (29 CFR 1910.212)
  7. Powered Industrial Trucks (29 CFR 1910.178)
  8. Electrical – Wiring Methods (29 CFR 1910.305)
  9. Control of Hazardous Energy – Lockout/Tagout (1910.147)
  10. Electrical – General (29 CFR 1910.303) 2,863 violations

Tim Spear is a Client Advisor at Gulfshore Insurance. Tim works with a wide range of business clients to deliver strategic risk management and commercial property and casualty insurance guidance.

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