Protecting Your Employees Against Slips, Trips and Falls

BUSINESS INSURANCE

Protecting Your Employees Against Slips, Trips and Falls

As a business owner, one of your primary concerns should be protecting your most valuable assets.  Most people agree the earning power of the owners and employees is one of the main assets of any business. 

     Slips, trips and falls cause the majority of general industry accidents and 15 percent of all accidental deaths.  They cause more fatalities than all other causes but motor vehicles.  In the construction industry, falls are the leading cause of worker fatalities.  Each year between 150 and 200 workers on average are killed and more than 100,000 are injured as a result of falls at construction sites.

     The Occupational Safety and Health Administration (OSHA) has recently revised its construction industry safety standards and developed systems and procedures designed to prevent employees from falling off, onto, or through working levels and to protect employees from being struck by falling objects.  The OSHA rule clarifies what an employer must do to provide fall protection for employees, such as identifying and evaluating fall hazards and providing specific training.

     Under the revised standards, employers are able to select fall protection measures compatible with the type of work being performed.  Fall protection generally can be provided through the use of guardrail, safety net, personal fall arrest, positioning device and warning line systems.

     There are many situations that can cause slips, trips and falls.  To increase the awareness of these hazards to your employees, we suggest the following:

Make tripping and fall hazards an area to focus on in your regular safety meetings and inspections.

Review each accident report to determine the cause of any slips, trips or falls and take corrective action.

Put up safety posters warning about slip, trip and fall hazards.

Provide training for all employees. 

     By eliminating workplace hazards and training employees to take work safely, most of the reported injuries and fatal accidents can be prevented.  Protecting your employees against slips, trips and falls will also have a positive impact on your workers compensation expenses.

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Office building going up at Huron and Main Streets - Jackson County Daily: News: carlisle insurance, building, huron street, jackson, times-journal

Office building going up at Huron and Main Streets - Jackson County Daily: News: carlisle insurance, building, huron street, jackson, times-journal: JACKSON— Many citizens of Jackson have probably noticed some grade work going on at the corner of Huron and Main Streets in Jackson, but do th…

Finding A Commercial Auto Insurance Company

Insurance Matters

Finding A Commercial Auto Insurance Company

(NAPS)—For many business owners, the road to success cannot be driven without company vehicles. They are a key component of the business’ continued operations and are essential to the company’s livelihood.

And just as you’d never consider going on a job without all the necessary tools of your trade, you should never consider driving your business vehicle without the right insurance coverage. But finding the right commercial auto insurance company can be a tricky proposition. There are lots of companies offering commercial auto coverage, so it’s important that you select one that meets the needs of your business.

Of all the factors you’ll want to take into account, the company’s experience with commercial auto insurance and claims service will have the biggest impact on you and your business. Here are some questions to ask yourself as you consider different commercial auto insurance companies:

                        Do they have experience with your business type? How long has the company offered commercial auto coverages? Do they understand the insurance needs that are unique to your line of work? A carrier with commercial auto expertise ensures that you’ll get the right coverage for your business.

                        Do they excel in customer service? You need 24/7 service that is fast, accurate and focused on your bottom line. You also need the convenience of being able to handle your insurance business

on nights and weekends, because you can’t count on having the time to deal with such matters during regular business hours.

                        Do they offer flexible, competitive products? Pay­ment options? Insurance rates can vary a great deal from company to company, so you’ll want to compare. You want flexibility in the types of coverages—and also payment options. Monthly bill plans can help small-business owners maintain necessary cash flow.

                        Do they have a demon­strated record of claims expe­rience? Keeping vehicle down-time to a minimum is vital to any business. Each minute a vehicle is out of commission affects your bot-tom line. Look for a company that’s known for efficient claims service and fast, fair resolution.

To learn more about commercial auto insurance or to find an independent agent, visit the Web site at progressiveagent.com. www.carlisleinsagency.com

The Risk Of Flooding Is Real

PERSONAL INSURANCE

The Risk Of Flooding Is Real; Don’t Gamble Anymore

     A recent survey of a Vermont town affected by the recent Northeast flooding found that 80% of the people suffering a flood loss did not have the funds to repair all of the damage they received.  Between 2001 and 2010 the average loss paid by the National Flood Insurance Program (NFIP) was $48,000. 

 

     Because most homeowners policies do not cover flood losses, would the average flood loss—or even a smaller flood loss— cause you a significant financial burden?  If so, a flood insurance policy can help.  A flood insurance policy can provide up to $250,000 in structure coverage and up to $100,000 in contents coverage for homeowners.   Renters can purchase up to $100,000 in contents coverage.

 

     You can buy flood insurance no matter what your flood risk.  Almost anyone in a community that participates in the NFIP can purchase coverage.  There are very few exceptions. 

     You do not need to live near water to be flooded.  Many people affected by flooding live miles from the nearest river or ocean.  Floods are caused not only by storms and hurricanes, but also snowmelt, inadequate and overloaded drainage systems and even broken municipal water mains.

     Flood insurance is affordable.  Homeowners in low-risk areas can purchase $20,000 in building and $8,000 in contents coverage for as little as $129 a year.  Even a small amount of flood insurance can help reduce the burden of a potential flood loss.

   

     Do you think a flood can’t happen to you?  That’s what the people in the Vermont survey thought.  They gambled and lost.  Some of them may never recover.   Don’t let that happen to you.  Please contact our office and we will be happy to discuss your flood insurance options.

Flood Insurance

SIMPLIFIED-ISSUE LIFE INSURANCE

 

SIMPLIFIED-ISSUE LIFE INSURANCE

CHILDREN’S ADVANTAGE PLAN Plus

 

Life insurance should be the foundation of everyone’s financial planning. Regardless of age, everyone needs life insurance protection. For children this need is not measured by current financial obligations, but by what the future will hold. Auto-Owners Children’s Advantage Plan Plus ® is recommended and designed for those who care. Starting a child with a permanent life insurance program, while his or her health is still good, and also providing a tax deferred annuity savings element for whatever future needs he or she may have, is a sound financial decision. Not only will a life insurance policy financially protect the parents of the child, but, it could be given as a gift to the child when he or she reaches adulthood for his or her use of the cash values, or as a policy to protect the financial well being of his or her own family. Please read the amazing policy features and benefits to insuring what matters most to you.

  

Policy Features and Benefits

  

Issue ages are from 15 days through age 17 - allows protection to be obtained before health problems manifest themselves.

Coverage, premiums and cash values are guaranteed to age 110.

Policy amounts available are from $10,000 to $50,000.

Policy amount increases 50% automatically at both age 18 and 25 with no premium increase.

 

Optional annuity benefit - allows an excellent opportunity to begin a retirement savings account, right from the start.

5% Customized Joint Life Discount - allows a savings when two or more policies, with insurable interest, are billed together.

Life Multi-Policy Discount - provides a 5% discount on your automobile, homeowners, mobile homeowner’s insurance policy. With the life discount of 5% applied to your homeowners and automobile policy most of the time the life insurance policy is completely 100% FREE. You simply just can’t find a better life insurance plan for your child or grandchild.

Premiums paid in advance - allows for any number of life insurance premiums paid in advance at a discount.

 

Cost: $10,000 life insurance policy for a 5 year old female is $6.00 a month. Coverage will automatically increase to $15,000 at age 18 and to $20,000 at age 25. Therefore, at age 25, the initial coverage of $10,000 automatically doubles without any increase in premium. With the life discount of 5% applied to your homeowners and automobile policy most of the time the life insurance policy is completely 100% FREE.

If you would like to purchase this life insurance policy for your child or grandchild, have any questions relating to this or any life insurance product or have any questions please feel free to call Michael Carlisle at Carlisle Insurance Agency at 740-286-5031.

  

Auto-Owners is "Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Four Years in a Row" -- J.D. Power and Associates

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