A scaffold is an elevated, temporary work platform that is engineered in a specific manner to support a defined weight load. Ensuring the safety of workers who utilize scaffolds, and avoiding injury to nearby people or property, requires choosing equipment that meets current safety standards, installing it as directed by the manufacturer, and using it for its intended purpose. Any tampering with the construction or weight load can result in injury or death.
A business that suffers a major accident such as a fire or hurricane may have to shut down for days, weeks or longer for repairs. Often, the income lost during the shut down will exceed the cost of repairing or replacing the damaged property. Businesses can protect themselves against this severe financial loss by purchasing business income insurance. However, sometimes a business can suffer a significant income loss, not because of damage to its own property, but because of damage to someone else’s.
As office technology grows, it is developing its own special brand of injuries. Many of your office workers perform work that can lead to automation-related illnesses. To protect your workers and decrease your liability, you need to identify such health hazards and take measures to prevent their occurrence in your workplace.
A Duke University Medical Center study revealed that obese workers filed twice the number of workers’ compensation claims as non-obese workers. In addition the over-weight workers had 7 times higher medical costs from those claims and lost 13 times more days of work from work injury or work illness than did non-obese workers.
Workers in many industries use compressed air as a power source for their tools and equipment. Unfortunately, workers sometimes don’t realize the potential dangers inherent in compressed air use, so they fail to take necessary safety precautions. Improper compressed air usage can result in disabling injuries and possible death.
The materials that a contractor brings to a job site are subject to numerous perils in a variety of locations. The contractor might take delivery of them at his main location and store them for a period of time. At some point, he will transport them to a job site where they may again sit in storage. Finally, he will cut, drill, weld, or otherwise process the materials until they become a finished part of the building. During all of these stages, the materials may suffer damage by fire, theft, flooding, or even damage in a traffic accident during transport to the job site.
Both the AFL-CIO and United Food and Commercial Workers (UFCW) have filed a lawsuit against the Department of Labor so that the agency will be forced to issue a final rule mandating employers to pay for personal protective equipment (PPEs).
Like most new home-based business owners, you believe your homeowner or renter’s insurance coverage offers sufficient protection. That is unfortunate, because in most instances these policies offer little to no coverage for business-related losses.
The way we see involves a complex interplay between light, brain and eye. When light strikes an object in your field of vision, the rays enter each eye and hit the eye’s lens. The rays stimulate the nerves in the lens, which carry messages to the brain. The brain takes the message it receives from each eye’s lens and fuses it into a sharp single picture. Because this mechanism is so complex, it is also extremely vulnerable to injury. Therefore, protecting your eyes from damage at work should be one of your major concerns.
Some businesses have very stable property insurance needs as the value of their non-building property doesn’t vary much during the year. For example, an accountant’s office will have furniture, telephones, computers, reference books, and so on. The replacement costs of these items won’t be much different in July than they were in April. Other types of businesses, however, experience wide variations in the values of their property. Florists tend to carry more stock around Valentine’s Day and Mothers’ Day than they do on most days of the year. Many retailers earn most of their profits during the holiday shopping season, so they must keep larger amounts of stock on hand. Warehouses and manufacturers may have highly variable amounts of goods for sale. Depending on the flow of orders, the value of their stock may change greatly from month to month or even more frequently.