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Commercial Lines Landscaping Safety TipsMore than 912,000 people in the U.S. are employed as landscapers or groundskeepers. Landscaping is a dangerous profession. Heat, power tools, sharp instruments, and repetitive work can all lead to painful and sometimes debilitating workplace injuries.  Here are some things you need to keep in mind during the busy summer season.

Common injuries for landscapers include cuts, punctures, and amputations. Power equipment like mowers, blowers, trimmers, cutting blades, trenchers, and tillers have rotating and cutting parts that can cause these severe injuries. Read instructions and get training on each specific model of equipment you use. It’s important that landscapers keep their tools sharp. A dull blade is far more dangerous than a sharp one because the user must exert a lot more force to get the job done. Keeping hand tools in good working order can also help protect landscapers from repetitive-stress injuries.

Before attempting to fix or clear a jam from a power tool or mower, make sure that the power supply is turned off and all the blades have stopped moving completely before you put your hands in the equipment. Inspect equipment before each use to ensure that guards and safety switches work properly – never bypass these features.

To avoid trips and falls, consider the conditions you’re working in. Grass clippings, wet spots, bad lighting, chemical spills, and electrical cords or hoses on paths are all things that can lead to slip and trip injuries. Preventing injuries can be as simple as paying close attention to conditions and putting equipment back where it belongs.

Use personal protective equipment (PPE) and proper clothing on the job. Sturdy work boots protect your feet from heavy equipment, cutting blades, and dropped landscape materials. Gloves protect your hands from blisters, splinters, scratches, cuts, and punctures from tools, rough landscaping materials, and plants. Safety glasses and/or face shields that are impact resistant protect your eyes from flying objects and chemicals. Use UV protective lenses outdoors. Ear plugs or earmuffs protect your hearing from loud equipment.

Clothing in a high-visibility color makes you more visible to traffic in roads, parking lots, and your coworkers. Do not wear loose-fitting or torn clothing that may become entangled in moving equipment. Wear lightweight long pants and long-sleeved shirts to help protect against both ultraviolet radiation (UV), and ticks or other insects. Know the first aid for bug and snake bites, watch these areas for infection, and get follow-up medical care when needed. Wear a wide brim hat that covers your ears and protects your nose and neck from the sun and bugs. Apply insect repellant and sunscreen to exposed areas of skin.

Be aware of expected weather conditions for the day, and plan accordingly. Have plans about where to go if severe weather hits. Know where to seek shelter in a thunderstorm, such as fully enclosed metal vehicles, with windows up or a building (not sheds).

With the materials and equipment that are part of their jobs, landscape workers are exposed to various safety accidents every day. Many of these accidents can lead injuries that in turn result in lifelong disabilities. However, by following the proper protocols, landscape worker safety can easily and effectively be maintained.

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 A Look at OSHAs Top 10 Safety Violations 2

Each year, OSHA tracks the top 10 workplace safety standards violations which can lead to workers’ comp claims. For the 2021 fiscal year (Oct. 1, 2020, through Aug. 31, 2021), OSHA reported the most common violations, as published by the National Safety Council.

  1. Fall protection was the most-cited safety issue for the 11th year in a row in 2021, reports the National Safety Council. Some 5,271 violations were issued to framing contractors, roofing contractors, masonry firms and housing construction contractors. The main cause for citations was a lack of protection near unprotected edges or sides and on steep roofs or lesser-sloped surfaces. OSHA points out that fall protection issues exist across many work areas such as stairways, ladders, scaffolding, floor holes, wall openings and elevated areas.
  2. Respiratory protection violation citations totaled 2,521. The chief culprits were auto body refinishing companies, painting contractors, wall covering contractors and masonry contractors. They were cited for absence of a protection program, failure to perform required fit testing, and/or a lack of medical evaluations.
  3. Ladders drew 2,018 violations. The primarily offenders were among framing, siding, roofing and painting contractors. Violations included structurally deficient ladders, a lack of siderails extending three feet beyond a landing surface, and the use of ladders for purposes for which they’re not designed. Another issue: allowing workers to use the top step of a stepladder.
  4. Scaffolds were the cause of 1,943 violations. The primary firms cited by OSHA were siding, roofing, framing and masonry contractors. The causes included improper or inadequate decking, failure to provide adequate scaffold support on a solid foundation, and lack of safety guardrails.
  5. Hazard communication, while not necessarily the responsibility of on-the-job workers, was the fifth-most-cited OSHA safety issue in 2021. Auto repair facilities and painting contractors received most of the 1,939 citations. The main causes were lack of a written hazard communication program as well as inadequate training and/or failure to develop and maintain data safety sheets.
  6. Lockout/tagout is a category of safety related to the control of hazardous energy such as electrical, mechanical, hydraulic, pneumatic, chemical, thermal, or other sources in machines and equipment. Chief targets of the 1,670 citations were plastic manufacturers, sawmills and machine shops. Violations included not providing adequate training, a lack of established energy control procedures, failure to use lockout/tagout equipment and failure to conduct evaluations of procedures.
  7. Fall protection training requirements (as distinct from fall protection) led to 1,660 violations. Causes included faulty training that trainees were unable to retain and failure to retrain those employees. Additional causes were failure to give required fall protection training and failure to certify fall protection training in writing.
  8. Eye and face protection, in the category of personal protective and lifesaving equipment, resulted in 1,451 violations. Most citations were for failure to use appropriate eye or face protection by employees who were exposed to flying objects, molten metal, liquid chemicals, acids or caustic liquids. Another cause of violations was a lack of side protection.
  9. Powered industrial trucks, including forklifts and motorized hand trucks, resulted in 1,404 violations. Warehousing and storage facilities, fabricated and structural metal manufacturing and framing contractors received most of the citations. Main causes were failure to operate safely, lack of refresher training and evaluation, absence of certification of training and evaluation, and failure to examine equipment for adverse conditions.
  10. Machine guarding standards, which covers guarding of machinery to protect operators and other workers from hazards, led to 1,105 violations in fiscal year 2021. Most often cited were firms in the machine shop and fabricated metal manufacturing fields. Main causes were violations of the types of required guards, lack of guarding at point of operation, not properly anchoring machinery, a lack of secure attachment of guards to machinery, and improper guarding of fan blades.

It is important for employers to review work processes in light of the top safety violations to determine the hazards in their workplace. The top ways for employers to avoid safety issues are job hazard analyses, employees’ reporting of hazards and unsafe conditions, and employee training. Frequent safety training and customized risk management programs can support operational business goals while reducing risk and making the workplace safer.

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.

Personal Lines Firework SafetyWith the Fourth of July holiday approaching, many people are preparing for gatherings with family and friends. All too often, however, Independence Day backyard celebrations can end up with a trip to the hospital for firework-related injuries.

The National Fire Protection Association (NFPA) says that roughly 18,500 fires are started annually by fireworks. Even a simple backyard sparkler can heat up to 2,000 degrees Fahrenheit.

If you choose to use fireworks at home, follow these tips to keep your holiday safe and fun:

Keep them outside. Never light fireworks inside, and always keep them far away from dry grass, plants, and other flammable objects.

Never point fireworks at others. Make sure your fireworks are not aimed at any people, animals, or property.

Take fire precautions. Keep a full bucket of water or a garden hose nearby and ready to go in case you need to douse the fireworks or anything they may ignite. Make sure you know where the nearest fire extinguisher is located.

Take a look at your outfit. Make sure you’re not wearing loose clothing when using fireworks.

Move back. When you’re lighting the fireworks (always one at a time), make sure no part of your body is directly above the device.  As soon as it is lit, move a safe distance away.

Douse them when done. Once a firework is done burning, soak it with water from the bucket or the hose before throwing it away. If one of your fireworks doesn’t seem to be working properly, do not pick it up or try to light it again. Douse it with water and then throw it away.

Protect pets. Provide a safe place indoors for your pets to stay during the festivities. Consider turning on the television to help drown out the pops and bangs from fireworks nearby.

If you have any questions or concerns, please do not hesitate to reach out to Gulfshore Insurance, we are here to make sure you have a fun and safe holiday weekend.

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in 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 high net worth risks and exposures. Gulfshore Insurance services Naples, North Naples, Port Royal, Park Shore, Pelican Bay, The Moorings, Naples Beach, Marco Island, Bonita Springs, Sanibel Island, Captiva, Fort Myers, Sarasota, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

PRS Holiday Season Safety Reminders

From Thanksgiving to New Year, it’s time to enjoy your favorite holiday traditions, celebrating around the table, and making memories with friends and family. To ensure that the festivities are not only happy, but also safe, here are some useful holiday season safety tips to keep in mind this season.

Shopping Safety

  • Try not to carry cash—Stealing someone’s debit or credit card takes extra work. That’s why cash is so attractive to thieves. If cash is all you’ve got, keep it in a wallet and in your front pocket.
  • Dress down—Dress comfortably and leave the jewelry at home. This will take a thief’s focus off of you.
  • Avoid using ATMs—Using ATMs can put you in a vulnerable position, not to mention the risk of card skimmers.
  • Don’t shop alone—Not only is shopping with someone safer, but it makes the adventure much more enjoyable! If you must shop alone, try your best to do so during the day, or part in a well-lit area close to the mall entrance.
  • Walk with your head high—Nowadays, everyone’s heads are down staring at their phones. Whatever the reason for head being down, lift it up! This will help you have better awareness of your surroundings and keep you safer.
  • Put purchases in the trunk—Leaving your purchases visible in any of the passenger seats can increase your risk of theft. To be safe, put as much of your purchases in the trunk. You can cover them with a sheet or blanket, too! That way criminals are less likely to entertain the thought of breaking into your car.
  • Find your keys before walking to your car—While you’re still in the mall, find and hold your keys before you leave. Looking down and fumbling through your purse makes you an easy and distracted target for someone trying to commit a crime with minimal resistance.
  • Lock your car doors the moment you get inside—Once you’ve successfully finished your holiday shopping and made it back to your car safely, lock your car doors. Yes, even before you buckle up and put the keys in the ignition. This is the proverbial safety “cherry on top.”
  •  Park in the garage to unload your purchases—When possible, park in the garage and close the garage door before unloading your items.


Unattended Home Safety

  • Check your doors and windows—Ensure that all doors and windows are closed and locked.
  •  Never hide keys around the outside of your home—Consider giving an extra key to a trusted neighbor instead.
  • Keep the outside of your house well lit—This will make it appear like someone is home. Motion detector lights may also be an option.
  • Close curtains—Close any curtains that display presents in plain view, such as under a Christmas tree.
  • Keep your mail or packages from piling up outside of your door—Schedule a delivery time for when someone is home or have a trusted neighbor sign for packages.


Cooking Safety

  • Smoke Alarms & Fire Extinguishers—Make sure you have a smoke alarm on every level of your home, inside each bedroom, and outside sleeping areas. Also keep a fire extinguisher in the kitchen for easy access.
  • Pan fires—If a pan catches on fire, cover it with a lid to smother the flames or use a fire extinguisher. Never use flour or water to put out a pan fire. Call 911 if necessary.
  • Frying turkeys—Only fry a turkey outside and away from your home–not inside your garage, or on your porch. Do not overfill the oil in the turkey fryer and follow the manufacturer’s instructions on use, including thawing your turkey thoroughly and maintaining control of the oil temperature.
  • Flammable items— Keep flammable items, like potholders and paper or plastic bags, away from the stove and oven. Don’t wear loose-fitting clothing or dangling jewelry.
  • Never leave cooking food unattended on the stove—Monitor food at all times while it is being cooked. Make sure to turn pan handles towards the back of the range to prevent someone from bumping into it.


Tree Safety

  • Picking the tree—Choose a tree with fresh, green needles that do not fall off when touched.
  • Placing the tree—Before placing the tree in the stand, cut 2in from the base. Make sure the tree is at least 3ft away from any heat source (fireplaces, radiators, candles, heat vents, or lights). Make sure tree is not blocking an exit.
  • Keep it watered—If you have a real tree in your house this season, keep it watered. A tree that is not well watered is very dangerous and can turn into a fire hazard. It is best to water the tree every day and dispose of the tree after the holidays or when it is dry.
  • Turn off the lights—Always be sure to turn off the tree lights before going to bed or leaving the house.


Decoration Safety

  • Use step stools or ladders—Use step stools or ladders while putting up decorations. Keep ladders and decorations away from overhead power lines. Ensure the ladder is securely placed on the ground before climbing. Never stand on furniture as this can result in an injury.
  • Shoe safety—When putting up holiday lights and other decorations make sure to wear protective and sturdy shoes inside or outside of the house. No flip flops!
  • Check lights—Double check lights for frayed wires or cracks, and be sure there is a bulb in each socket. Discard and replace damaged strands. Indoor lights should not touch drapes, furniture or carpeting.
  • Extension cords— Prevent tripping by placing cords and decorations in low-traffic areas where they won’t be walked on. Avoid twisting, kinking or crushing cords. Use heavy-duty extension cords, and only use cords outdoors if they are designated for outdoor use. Avoid overloading extension cords by using no more than three sets of standard lights per cord. Do not hammer tacks or nails into the electrical cord when hanging lights. Instead, use clips to safely attach lights to the house.

 

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in 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 high net worth risks and exposures. Gulfshore Insurance services Naples, North Naples, Port Royal, Park Shore, Pelican Bay, The Moorings, Naples Beach, Marco Island, Bonita Springs, Sanibel Island, Captiva, Fort Myers, Sarasota, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

GEN New OSHA Heat Initiatives 2A coordinated, interagency effort is being launched to respond to extreme heat that threatens the lives of workers. OSHA issued a release that points out that while heat illness is largely preventable and commonly under-reported, thousands of workers are sickened each year by workplace heat exposure.

OSHA implemented an intervention and enforcement initiative recently to prevent and protect workers from heat-related illnesses and deaths while they are working in hazardous hot environments. Despite widespread under-reporting, 43 workers died from heat illness in 2019, and at least 2,410 others suffered serious injuries and illnesses.

Increasing heat precipitated by climate change can cause lost productivity and work hours resulting in large wage losses for workers. It is estimated that the economic loss from heat to be at least $100 billion annually – a number that could double by 2030 and quintuple by 2050 under a higher emissions scenario. The newly established initiative prioritizes heat-related interventions and inspections of work activities on days when the heat index exceeds 80 degrees Fahrenheit.

The initiative applies to indoor and outdoor worksites in general industry, construction, agriculture and maritime where potential heat-related hazards exist. Employers are encouraged to implement intervention methods on heat priority days proactively, including regularly taking breaks for water, rest, shade, training workers on how to identify common symptoms and what to do when a worker suspects a heat-related illness is occurring, and taking periodic measurements to determine workers’ heat exposure.

To better protect heat-exposed workers, OSHA is:

  • Launching a rulemaking process to develop a workplace heat standard
  • Implementing an enforcement initiative on heat-related hazards
  • Developing a National Emphasis Program on heat inspections
  • Forming a heat work group to engage stakeholders and inform ongoing efforts


In October 2021, OSHA will take a significant step toward a federal heat standard to ensure protections in workplaces across the country by issuing an Advance Notice of Proposed Rulemaking on heat injury and illness prevention in outdoor and indoor work settings. The advance notice will initiate a comment period allowing OSHA to gather diverse perspectives and technical expertise on topics including heat stress thresholds, heat acclimatization planning, exposure monitoring, and strategies to protect workers.

The agency is also working to establish a National Emphasis Program on heat hazard cases, which will target high-risk industries and focus agency resources and staff time on heat inspections.

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.