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Commercial Lines Lightning Safety When Working Outdoors 2021 09 REV1Lightning is a dangerous natural force. Annually in the United States, cloud-to-ground lightning occurs 20 to 25 million times and over 300 people are struck by lightning. During the past 30 years, about 50 people, on average, have been killed by lightning strikes every year, and many more suffer permanent disabilities.

Precautions should be taken to prevent worker exposure to lightning. Employers should recognize lightning as an occupational hazard. Supervisors and workers at outdoor worksites should take lightning safety seriously.

Workers whose jobs involve working outdoors in open spaces, on or near tall objects, or near explosives or conductive materials (e.g., metal) have significant exposure to lightning risks. Worker activities at higher risk for lightning hazards include:

  • Logging
  • Explosives handling or storage
  • Heavy equipment operation
  • Roofing
  • Construction (e.g., scaffolding)
  • Building maintenance
  • Power utility field repair
  • Steel erection/telecommunications
  • Farming and field labor
  • Plumbing and pipe fitting
  • Lawn services/landscaping
  • Airport ground personnel operations
  • Pool and beach lifeguarding

 

Fact Sheet Lightning Safety OSHAClick here to download the Fact Sheet that provides employers and workers at outdoor worksites with lightning safety recommendations from the Occupational Safety and Health Administration (OSHA) and the National Oceanic and Atmospheric Administration (NOAA).

 

Tim Spear, is a Client Advisor and Partner at Gulfshore Insurance specializing in the construction, oil/petroleum, and landscape industries. Through his consultative and diagnostic approach, he helps clients develop customized programs to meet their risk management needs. Comments and questions are welcome at tspear@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 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.

Commercial Lines Reducing the Risk of Work Related InjuriesFor most employers, the cost of an employee’s work-related injury is covered by workers’ compensation insurance, which pays for medical care and replaces some of the income that the injured employee lost while unable to work. There is no coverage, however, for the hidden costs to your organization of that injury, such as reduced efficiency, the cost of training replacements, and increased overtime expenditures.

On-the-job injuries or vehicle accidents aren’t limited to occupations that are obviously dangerous. In most years the top three causes of injuries in the workplace are overexertion (injuries caused from excessive lifting, pushing, pulling, holding, carrying, or throwing of an object), falls on level ground, and bodily reaction (injuries from bending, climbing, slipping or tripping without falling). Such injuries can affect workers in most environments. Whatever your industry, attention to such risks can pay dividends.

Employees should be trained to recognize hazards and to report them to the appropriate person so that the hazard can be corrected as soon as possible. Work requirements involving safety should take precedence over any other.

Any near miss, first aid incident, accident, or other workplace injury-related event should be investigated. Where possible, the investigation should be carried out immediately by a team that includes both management and hourly employees, all of whom have been trained in incident investigation. The goal of investigations is to identify the cause of the accident or injury rather than assign blame and to correct any hazards or other problems found, such as poor communication.

Supervisors and managers should also be trained to recognize and correct unsafe behaviors that can lead to injuries, including rushing, frustration, complacency, and fatigue.

Once a year a team should review all incidents from the prior year to see whether there are any patterns in the accidents and, if so, how to address the problems identified.

Each worksite should confer with its fire and police departments and hospital about plans for all potential emergencies, including fire, explosion, accident, severe weather, loss of power, and violence. Emergency drills should be used to ensure that employees know what to do and to assess the effectiveness of emergency plans.

For additional information, visit the Federal Occupational Safety and Health Administration website.

Tim Spear, is a Client Advisor and Partner at Gulfshore Insurance specializing in the construction, oil/petroleum, and landscape industries. Through his consultative and diagnostic approach, he helps clients develop customized programs to meet their risk management needs. Comments and questions are welcome at tspear@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.