Gulfshore Insurance > Gulfshore Blog > Commercial Risk Management

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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New years are wonderful because they give us the ability to improve, to learn from our experience and then start over and do better. There is plenty of room for improvement in how many organizations serve their customers. And there are substantial benefits for those that do. The good news is you don’t need to spend a lot of money to start making improvements in your customer service. Here are five suggestions to get you started. … Read more

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Since Florida is one of only a few workers’ compensation administered pricing states in the nation, rate changes approved by the Office of Insurance Regulation (OIR) have an immediate impact on the majority of businesses operating in the state. Rate changes are effective January 1st of every year, and since the legislative reform in 2003, Florida saw average rate decreases every year through 2010. January 1, 2013 will mark the third consecutive year of workers’ compensation rate increases. … Read more

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Limit the Liability of Your Company Holiday PartyIt is the holiday season, a time for office parties and charity events. While gatherings can provide opportunities for professionals to mingle casually with their co-workers and clients and can help boost employee morale, they can also prove to be a liability for businesses that serve alcohol. The United States Department of Labor states that holding an office holiday party with improper use of alcohol can make employers vulnerable to liability under tort, workers’ compensation, or other laws. That is why businesses should take reasonable precautions to prevent any risks and financially protect themselves by making sure they have the proper insurance. … Read more

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Well, here we are, it’s that time of year when we start receiving calls from our condominium association managers and Boards of Directors requesting us to pull out our crystal ball and provide them with their 2013 insurance budgets! Have you been wondering what you can expect in 2013? In this month’s Insurance Insight, we’re breaking down what you can expect as you begin the planning process.

When we prepare a budget for any association, it is primarily for the purpose of providing you with the most accurate “indication” of possible insurance renewal premiums utilizing our knowledge of the most current market conditions and trends. Our goal is to properly protect the assets of the association with financially viable insurance at the most competitive cost. Budgeting, requires that we take a closer look at your policies, coverages, appraisals, and market conditions and then project our best estimate of where the costs will be at your next renewal. … Read more

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