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Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.

Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!

Wednesday, May 22, 2019

Work Comp Wednesday - First-aid best practices for outdoor workers


Employees that work outdoors are exposed to hazards that can result in injuries and illnesses, especially during the summer months. High temperatures can cause heat stress and related illnesses, while equipment such as lawn mowers, trimmers, chainsaws, and hand tools pose risks if precautions are not taken. Common outdoor injuries include trips and falls, fractures, sprains, lacerations, insect bites, and sunburns.
OSHA regulations may vary by industry, but general standards require all employers to:
  • Ensure the ready availability of medical personnel for advice and consultation on occupational health matters
  • Have adequate first aid supplies readily available
  • Ensure there are one or more people in the workplace adequately trained to provide first aid unless there is a hospital, clinic, or infirmary for treating injured employees in close proximity (within 3 to 4 minutes for life-threatening emergencies)
By providing a first aid kit, employers are giving employees and medical personnel the tools to treat minor injuries or control problems until professional medical attention is obtained. Therefore, it is essential that these kits include the right supplies. The minimally acceptable number and type of supplies for first-aid kits, as defined by OSHA 1910.266, include: gauze pads (at least 4 x 4 inches), two large gauze pads (at least 8 x 10 inches), box adhesive bandages (band-aids), one package gauze roller bandage (at least 2 inches wide), two triangular bandages, a wound cleaning agent such as sealed moistened towelettes, scissors, at least one blanket, tweezers, adhesive tape, latex gloves, resuscitation equipment (such as resuscitation bag, airway, or pocket mask), two elastic wraps, a splint, and directions for requesting emergency assistance.
Employees should be able to identify and locate first-aid supplies in case of an emergency. Management may also provide first-aid certification training to staff members as an additional safety measure. Since the exposures of outdoor worksites are generally more difficult to control, safeguards must be in place for employees in these conditions. The checklist below outlines basic steps businesses can take to improve their first-aid practices.
First-aid checklist for small businesses:
  • Keep a first-aid kit in each company-owned vehicle
  • Provide basic first-aid training to employees
  • Require employees to wear personal protective equipment (PPE) when appropriate
  • Instruct workers to take frequent breaks and stay hydrated when working in extreme heat
  • Develop written safety programs for first-aid, heat stress prevention, and bloodborne pathogens

Sources: Occupational Safety and Health Administration (OSHA), Business and Legal Resources
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                     Serving Florida since 1964

Friday, May 17, 2019

Protecting your business from equipment theft

According to the National Crime Information Center (NCIC), heavy equipment theft has been increasing in the United States, at about 10,000 pieces of commercial equipment stolen each year. The National Equipment Register (NER) and the National Insurance Crime Bureau’s (NICB) Equipment Theft Report reveals that only 21 percent of stolen equipment in 2016 was recovered. The total value of stolen equipment in that year was close to $300 million.
Many industries depend on tools and equipment to perform their jobs. Contractors are targeted due to the type of equipment they use, which generally, can be easy for thieves to move. The leading contributors to theft include the mobility and value of a piece of equipment.
Consequently, any loss of equipment is critical to a business’s income. It can be quite devastating to a small business when they experience theft of a vehicle or large equipment. Even theft of smaller equipment can be problematic to a small employer. Actually, smaller equipment such as chainsaws, lawn trimmers and blowers are easier targets for thieves as they can be carried away very easily and quickly hidden. Also, smaller equipment is less likely to have documentation. Larger equipment and vehicles are generally registered with identification numbers.
Although theft is more likely to occur when the equipment is at the worksite, items can be stolen anywhere, so we must be attentive. Also, be mindful of tools and equipment while stored in a vehicle, trailer and garage on your own premises. Even be aware of tools and equipment while in transit.
Mitigation
Business owners should develop risk management efforts for easily transportable and high-value equipment. Better documentation, proper identification and reporting, along with adequate site security, can help combat equipment theft.
Engineering controls
  • There are a number of steps one can take to protect their business personal property. If your business uses heavy equipment, you may want to consider installing security fencing around the premises, motion lighting and a security system that notifies when motion is detected. Large equipment can be registered with the National Equipment Registry’s (NER) database.
  • For smaller equipment, storing items inside a building is the best option. If this is not feasible, the first step to safeguarding tools and equipment is to secure trucks and trailers. Also, it would be wise to park the vehicle so the items are difficult to access. Consider painting equipment with distinct marks and colors which can be easily identified in the event of recovered property loss. Lastly, it may make sense to place small equipment in locked boxes or secure them to a building or fence, if they cannot be secured inside a building or trailer.
Administrative controls: theft prevention plan and recordkeeping
  • It is a best practice to develop a written plan for your businesses anti-theft measures. Key components of a well written plan include:
    • Assigning responsibilities to employees
    • Requiring supervisors to ensure all equipment is returned and locked up at the end of the day
    • Using equipment sign out sheets – this not only requires recordkeeping but it will help with awareness of who is responsible
    • Using employee uniforms to help identify unauthorized individuals near business property
Once the plan is established, train employees on these best practices for preventing theft and the expectations of these processes.
It is also a best practice to document your business personal property. Items to include in your inventory:
  • Make, model and serial numbers
  • Purchase date and location
  • Photograph of equipment
  • Warranty information
Types of euipment stolen chart

Sources:
National Equipment Register 2016 Equipment Theft Report https://www.ner.net/annual-theft-report/
National Insurance Crime Bureau (NICB) www.nicb.org

Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                     Serving Florida since 1964

Wednesday, May 15, 2019

Work Comp Wednesday - Hazards during landscaping work

When you think of landscaping, dangerous working conditions probably aren’t the first things that come to mind. While it’s true that landscapers don’t usually face some of the more deadly construction hazards, e.g., falls from heightsworking in trenches, they are still exposed to hazards that can cause serious injuries and lasting health problems. Here’s a brief look at some of those hazards.
Motor vehicles
Motor vehicle accidents are the leading cause of fatal accidents among landscapers. This includes traffic accidents (frequent travel from job to job means more time on the road) and struck-by incidents. While on the job, all landscaping employees should wear high-visibility colors to increase their chances of being seen.
Common equipment hazards -- recognition, avoidance, prevention. In addition to motor vehicles, landscapers have to avoid cuts, amputations, buried electrical lines and sprains and strains while working with a variety of powered equipment and other sharp tools. The following recommendations can help prevent these types of injuries:
  • Stay aware at all times - workers must focus on both the job and what’s going on around them. Getting distracted around dangerous equipment or getting tunnel vision on the task at hand can be equally dangerous.
  • Keep tools sharp - dull blades require more force to get the job done, increasing risk for repetitive stress injuries, cuts and amputations.
  • Know your equipment - blowers, mowers and other power tools can cause severe injuries if they are used incorrectly. Train employees in the safe use of any equipment they will be expected to use.
  • Learn to recognize the hazards that these machines present. Develop good safety habits to ensure you have no contact with operating machinery. Under no circumstances should you ever reach into any part of an operating machine.
  • Always disengage power, shut off the engine, take the key, and wait for all parts to stop moving before attempting to service or unclog equipment.
  • All guards and shields must be in place and properly maintained.
  • When hitching equipment, the helper should stand clear until the tractor or truck is backed into position.
  • Bystanders should be kept away from areas where they could be struck by thrown objects.
Pinch points
Pinch points are formed when two rotating objects move together and at least one of them moves in a circle. For example, the point at which a belt runs onto a pulley is a pinch point. Belt drives, chain drives and gear drives are other sources of pinch points in power transmission devices. Fingers, hands and feet can be caught directly in pinch points, or they may be drawn into the pinch points by loose clothing. To avoid injury from pinch points, be aware of the areas where pinch points occur, avoid them and make sure they are properly guarded.
Wrap points
Rotating shafts are the most common source of wrap point accidents, although any exposed machine part that rotates can be a wrap point. A cuff, sleeve, or pant leg can catch on a rotating part and result in serious injury. Entanglement with a wrap point can pull you into the machine, or clothing may become so tightly wrapped that you are crushed or suffocated. Check all equipment for potential wrap points, and shield those that can be shielded. Place warnings on those that cannot be covered, or paint them a bright color.
Shear and cutting points
Shear points are created when the edges of two objects are moved close enough together to cut a material, as in the case of shears or an auger. Cutting points are created when a single object moves forcefully or rapidly enough to cut, as in the case of a sickle blade. Both shear and cutting points are created on machinery designed to cut, as in lawn mowers, and on those that are not designed to cut, as in an auger. Some cutting and shearing points cannot be fully guarded, and it is important to be aware of the hazard and to be especially alert when they are operating. It is also important to warn others and to look out for their safety, due to the danger of thrown objects while using cutting-type equipment.
Crush points
Crush points are created when two objects move toward each other or one object moves toward a stationary one, e.g., hitching trailers to vehicles or tractors to implements. Failure to block up equipment safely can result in a fatal crushing injury. A jack may slip, an overhead support may break, or the equipment may roll. Also, the head or chest of an operator may be crushed between the equipment and a low beam, pole or other part of a structure. Usually, these accidents occur when operating the machine in reverse. Tree limbs are also potential hazards when working with tractors and other riding mowers. 
Thrown objects
Almost any object can be lethal if it is propelled with enough force. Rotary mowers and string trimmers are both examples of machines that can cause thrown object injuries. Both machines can hurl stones and other debris endangering other workers and casual bystanders including pets.
Free-wheeling parts
Many machine parts continue to spin after the power is shut off, e.g., rotary mower blades, fans, flywheels, etc. Never touch these parts until they have stopped moving completely.
Pull-in points
Pull-in points usually occur when someone tries to remove plant material or other obstacles that have become stuck in machinery parts. Always shut off the power before attempting to clear plugged equipment.
Stored energy hazards
Hydraulic systems store considerable energy. They can lift and change the position of implement components, operate hydraulic motors and assist in steering and braking. Careless servicing, adjustment or replacement of parts can result in serious injury. High-pressure blasts of hydraulic oil can injure eyes or other body parts by burning or penetrating the tissue due to the liquid being hot. Leaks are a serious hazard. Never inspect hydraulic hoses with your hands because a fine jet of hydraulic fluid can pierce the skin. Follow the instructions in your operator's manual, as specific procedures for servicing the systems are very important to your safety.
On-site electrical hazards
Two major sources of fatality and injury are; coming into contact with overhead power lines or contacting buried cables while digging in soil. These forms of contact can occur when trimming trees, moving metal ladders, trenching, etc.  Before doing any major digging, contact the local utilities and have underground power lines located. Be vigilant when using pole type pruners and other raised equipment that there may be overhead wires. Also, if electrical tools are used, don’t trust the outlets at customer locations. Invest in a portable GFCI (ground fault circuit interrupter) for added protection.
Vibration from equipment
Landscape workers often spend hours on end driving a lawnmower or tractor performing various functions from cutting lawns to transporting product. It is not uncommon for a machine operator to feel the effects of long hours including; shoulder, neck and back pain, poor circulation in the legs, and potential for the degeneration of spinal discs. Lifting heavy objects after long hours of driving can lead to an increased chance of low back injury. Machine operators should take frequent rest and stretch breaks, and ensure there is a good suspension system and extra padding to absorb vibration from the machine.
Lockout procedures
Lockout/Tagout is a proven system for preventing injuries to workers who are repairing, cleaning out, or setting up machinery. It’s a methodical procedure that ensures someone else won’t accidentally start equipment while repair work is being done. There are many sources of hazardous energy including thermal, chemical, pneumatic, hydraulic, electrical, mechanical, and gravity. Remember all sources of energy have the potential to unexpectedly start-up, energize, or release. Lockout/Tagout programs should be a common part of every safety program with procedures to;
  • Disengage the power and stop the machine before servicing.
  • Not clean, unplug, lubricate, adjust or repair any machine while it is running, unless it is specifically recommended in the service or owner’s manual.
  • Lock-out the ignition and put a warning sign (tag) over the ignition indicating someone is working on the machine.
  • Lockout and tag the energy isolating device with an assigned individual lock, even though someone may have locked the control before you. You will not be protected unless you put your own lock on it.
  • Clearly indicate the identity of the employee who applied the lock out/tag out device. This provides positive identification as to who is servicing the machinery and equipment.
  • Check that energy sources have been disconnected by making certain the equipment will not operate.
Responsibilities
Employers have an obligation under the Occupational Safety and Health Act to ensure that equipment is maintained and in good working order before workers use it. Also, workers have a responsibility to report hazards to their supervisor or employer.
Sources: Farm Safety Association, Laborers’ International Union of North America (LIUNA), Occupational Safety & Health Administration
The information provided in this article is intended for general informational purposes only and should not be considered as all encompassing, or suitable for all situations, conditions, and environments. Please contact us or your attorney if you have any questions.
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                     Serving Florida since 1964