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Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.

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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!

Showing posts with label Loss prevention. Show all posts
Showing posts with label Loss prevention. Show all posts

Monday, May 7, 2018

LOSS PREVENTION - How to Burglar-Proof a Business

Accessing the outdoor storage facility

How to Burglar-Proof a Business


Burglars and business don’t mix well. Business owners and managers have enough to worry about. Burglar-proofing their business shouldn’t be a priority, but it is. And once robbed doesn’t preclude a second or even third break-in by the same bad guy(s). Once familiar with your business layout and contents, thieves figure out how to beat whatever you’ve done (usually little) to deter them and they know you’ve replaced the items they stole and likely fenced, so why not conduct their repeat, profitable performance.  Only one in six burglaries results in an arrest, so statistics prove many thieves are roaming the streets looking for their next victim. Facing the facts, especially for small businesses, is ‘street-wise.’ Check your business premises and see if you’re already following these anti-theft procedures.

Lock Down Securely
Using pin-cylinder locks gives great protection since these are difficult to pick. The deadbolt-type lock is your best lock defense, either with a key or a knob to set it. Thieves are frustrated with double-cylinder deadlocks that must be opened by a key from either side, since getting out of the building is just as difficult as getting in.

Good Key Sense
Some or maybe all of your employees need keys. But have a list, plus code the keys so only employees know which locks they open. Having different keys for exterior entrances and interior rooms so one key doesn’t fit all locks is a deterrent, as well.

Alarms, Noisy or Silent
Silent alarms to notify a central station are recognized as the best protection and the best way to catch thieves. Silent sensing devices also offer good protection. But even cheaper building-siren alarms do reduce the time to steal since most burglars will quickly grab and run, cutting down on losses.

Light Up the Night
Bright lighting inside and outside is usually inexpensive and often effective. Flood doors and windows with light, either motion-sensitive or constantly on. Have every entrance point, including small windows and large vents, flooded with light to discourage even highly motivated burglars. Mercury and metallic vapor lamps serve well since they are almost unbreakable.

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

Monday, October 3, 2016

Prevention of Slips and Falls


Slips and Falls – Walking Surfaces

When asked what type of accident is the leading cause of injury, most people would probably answer car accidents. However, the real answer is that slips and falls occur the most in our everyday lives. The Consumer Product Safety Commission estimates that accidental falls account for the most hospital visits each year. Falls are the leading cause of unintentional death for individuals 65 and older, with 11,000 deaths occurring annually. However, Bob Lancaster Insurance sees falls across all age groups at facilities insured by the agency.
Facilities are at high risk simply because of the large volume of people who frequent the facility on a daily basis. With this large volume of traffic, properly maintaining the facility’s walking surfaces is essential in helping to prevent slips and falls. This fact sheet will address the various safety issues associated with the different types of walking surfaces, including sidewalks, parking lots and driveways, entrances and exits, interior flooring surfaces, lighting, and other walking surface hazards.

Sidewalks

Due to the number of people coming and going to various functions on a daily basis, sidewalk maintenance is crucial in preventing slip and fall injuries. Many organizations underestimate how common, severe, and costly falls can be, so it’s important to become proactive instead of reactive in preventing slips and falls. Regular periodic inspections of sidewalks should be conducted, and any substandard conditions corrected as soon as possible. When doing an inspection, consider the following items.
Uneven Sidewalk
This photo illustrates severe trip hazards due to the uneven walking surface.
Tree in Sidewalk
This photo illustrated severe trip hazards due to the uneven walking surface caused by the tree roots.
  • Sidewalks should be in good condition and free of cracks or potholes. If cracks in sidewalks are greater than ¼ inch, this can create a trip hazard because it is unexpected. Use a measuring stick, or four pennies stacked on top of each other will equal ¼ inch. If these variances are found, repairs should be made.
  • Surfaces should be free from gravel, rocks, and mud.
  • Sidewalks that have depressions in the walking surface can trap water and mud, creating slip hazards. These areas should be repaired.
  • Items placed in the path of travel, such as trash cans and garden planters, should be removed.
  • Landscaping that is planted too close to sidewalks should be kept pruned. If unchecked, the vegetation can overtake the sidewalk, creating trip and fall hazards.
  • Tree roots can cause sidewalks to heave and buckle causing serious trip and fall hazards. These areas should be identified and corrected.
  • If construction operations create an alternate route, these walking surfaces should not create additional trip and fall hazards. Also, pedestrians should not be allowed to walk through areas under construction.
  • Inadequate patching to sidewalks can create trip and fall hazards from raised/lowered edges, depressions and changes to the surface texture. These areas also should be closely watched.

Parking Lots and Driveways

Due to the large number of people attending various functions, facilities will often have large parking lots to handle the influx of people. However, over time, parking lots can become a real liability hazard for slips and falls if items in the parking lot like potholes, speed bumps, and curbs are not properly maintained.
Regular periodic inspections of parking lots should be conducted and any substandard conditions corrected as soon as possible. When doing an inspection, consider the following items.
Tire Stop
This photo illustrates a severe trip hazard due to the exposed re-bar from the deteriorated tire stop.
  • Parking lot surfaces are similar to sidewalks and should be in good condition and free of cracks or potholes. Also, snow plows can cause damage. The ¼ inch variance in walking surface should be followed here as well.
  • Surfaces should be free from debris and slippery material, such as rocks, mud and sand.
  • Tire stops are a potential tripping hazard. These require maintenance and are exposed to damage from snowplows and vehicles. If tire stops are present, follow these guidelines:
    • They should not be taller than 6.5 inches and there should be at least three feet between wheel stops.
    • Tire stops should not extend beyond the width of the wheels.
    • They should be marked with a contrasting color, such as yellow.
    • Reinforcing rods used to anchor the stops should be level with the top of the stop and not extend above the surface.
  • Speed bumps used to slow the speed of vehicles also present a tripping hazard. These are usually constructed of asphalt and will break down quicker from being exposed to the weather and vehicles driving over them. This will compound the slip and fall exposure. If speed bumps are installed, the following guidelines should apply.
    • They should NOT be installed next to natural pedestrian walkways (sidewalks, ramps, etc.), exit or entrance areas.
    • They should be marked with a contrasting color so as not to blend in with the parking lot surface.
    • Make sure that areas around speed bumps are adequately lit so that they do not become a tripping hazard in the dark.
    • “Speed Bump” signs should be installed to give warning of their presence.

Curbing

Curb Marking
This photo illustrates good marking of the sidewalk and parking lot variances with yellow paint.
  • Curbs should be six inches high. If this is not maintained, due to settling or design, this can create an unforeseen trip hazard.
  • Curbs leading to entrances and sidewalks should be painted a contrasting color, such as yellow, white, or red.
  • Curb cutouts that are installed to provide handicapped access also should be marked with contrasting paint, and grit should be added to the paint to create surface roughness.

Entrances and Exits

Entrance and exit areas should receive special attention for controlling slips and falls. Due to heavy foot traffic at these areas, the floor surface over time becomes smooth and will have less traction. Dirt and water deposits commonly tracked in from the outside will be higher in these areas and make the floor more susceptible to slips and falls.
The following items should be considered when choosing, installing and maintaining any interior flooring:
  • Identify areas that show a high level of smoothness and other defects. Changes in surface floor types also should be identified. This is important, as the person would encounter an unexpected condition (rough to smooth), increasing the chances for a fall. Ideally, the floor surfaces should be consistent.
  • Doors should open and shut smoothly with appropriate door closing mechanisms so that, upon closing or opening, there is no risk of people being knocked over.
  • The door sill should be flush with the floor. If not, the change in elevation between the two should be no more than ¾ of an inch.
  • If there is a threshold installed, the edges should be sloped, have a non-slip surface and be adequately secured to the floor.
  • Having umbrella stands available next to entrances will help keep water from dripping off umbrellas onto the floor.
    Grate System
    This photo shows an excellent grate system with a catch basin that is built into the flooring.
  • With the potential for ice, snow, mud, etc. to be present at entrances, these areas should be designed to minimize the slip and fall potential.
  • The best design consists of a grate system with a catch basin (shown on the right), which is installed at high traffic areas to effectively remove moisture from footwear. If a grate system is not feasible, mats should be installed.
    • The following guidelines should be followed concerning mats:
      • Floor mats and/or runners should be installed where the floor surface is not slip resistant.
      • Floor mats specifically designed for removal of dust, dirt and moisture at building entrances and other appropriate locations should be used. Examples of other areas that may benefit from mat installation include the following:
        • Areas adjacent to water fountains and drink stations.
        • Food counters and food preparation areas.
        • Under and around sinks, dishwashers and washing machines.
        • Ice stations, freezers and coolers.
        • Near machinery and other areas where spills may occur.
      • Floor mats should be designed for removal of dust, dirt, and moisture. Carpet remnants, scatter rugs, or cheap mats (vinyl backing, or no backing) should NOT be used.
      • The edging should be beveled in order to provide a smooth transition from the floor to the mat.
      • The mat should NOT have curled up edges and should be replaced prior to it becoming dog-eared.
        Floor Mat
        This photo shows a poor example of a floor mat. Carpet remnants should never be used in these areas.
      • Mats should NOT be stacked on top of each other in use. This increases the potential for tripping due to the uneven edge from the floor.
      • To decrease the potential of the mat from sliding, a single larger mat should be used instead of multiple smaller mats. The larger mat is heavier due to its size, which reduces the sliding potential.
      • The Carpet and Rug Institute (CRI) recommends selecting mats long enough to take two full steps (6 to 8 feet) before stepping onto other floor surfaces.
      • Mats and runners should receive proper cleaning and maintenance to ensure their integrity. Once the mats become filled with soil and water, they cannot effectively remove these contaminants from entering the building.

Interior Flooring Surfaces

Aesthetics always play a major role in deciding what type of interior flooring should be installed inside the facility. A priority should be to determine what type of flooring will be aesthetically pleasing but also to provide adequate protection from slips and falls.
Carpet, ceramic tile, vinyl and hardwoods are all appropriate types of interior floor surfaces; however, due to their design characteristics, one may be more appropriate than the others for certain areas of your facility.
Flooring also should be correctly installed, as poor installation can contribute to slip and fall hazards, such as a poorly stretched carpet that becomes loose and bunches.
Of course, maintenance always plays a role in preventing slips and falls as over time poorly maintained flooring will deteriorate and become a hazard. Even regularly maintained flooring can become a hazard if the cleaning agent affects the slip resistance of the flooring.
The following items should be considered when choosing, installing and maintaining any interior flooring:
Flooring
This photo shows a difference in flooring surfaces. Potential slip and fall hazards exist due to the different flooring. Ideally, the surfaces should be consistent.
  • Every floor surface has a degree of traction or slip resistance. Although not a formal standard, the flooring should have a coefficient of friction (slip resistant rating) of .50 or higher.
  • Flooring material should be suitable for the environment. Areas prone to the presence of water (entryways, bathrooms, etc.) should have high slip resistance characteristics.
  • Cleaning and waxing of flooring also should be considered. The use of floor waxes should be done according to the manufacturers’ recommendations and should maintain the slip resistance rating. Non-skid wax should be used on floors. Your cleaning supply company should be contacted for advice. It’s also not a good idea to wax floors immediately prior to big events involving a lot of people.
  • Dust mops used for floor cleaning should not be treated with oil.
  • Flooring should be level and in good condition. If there are any variances in level of more than ¼ inch, this can lead to a trip and fall.
  • Carpeting has the best slip resistance rating, but should be kept clean and free from holes, rips and tears.
  • Carpeting also should be adequately stretched to prevent it from bunching and becoming a trip hazard.

Lighting

Facilities often host activities seven days a week, many which run into the late evening hours. Therefore, people often find themselves using or leaving the facility during times when there is little or no natural light. Inadequate lighting can be a major contributor to slips and falls, as hazards can be difficult, if not impossible, to see when proper lighting is not provided.
Outdoor Lighting
This photo shows an example of good exterior lighting for exterior steps. Lights are places at the top and bottom providing adequate illumination.
Illumination of interior and exterior walking surfaces should include the following:
  • Lighting is measured in foot candles. At a minimum, 10 foot candles should be mandatory for all lighting. Higher levels of illumination may be needed in high use areas.
  • Lighting should be provided for walkways, parking lots, stairways, hallways and basements. Look for shadows that may be created and adjust lighting accordingly.
  • In stairwells, provide a light switch at the top and the bottom of the stairs whenever feasible.
  • Inspect all lighting on a daily basis and replace light fixtures or bulbs that do not work.

Other Walking Surface Hazards

Oftentimes, facilities may have a miscellaneous slip and fall hazard that may be less obvious than a more common area, like a set of stairs. However, conducting a thorough inspection of the entire facility and grounds is important, as these miscellaneous hazards are often the areas most likely for a fall to occur, as they are commonly overlooked.
The following items are examples of miscellaneous walking surface hazards that should be looked for when conducting inspections.
  • Access covers used to gain access to utilities should be present and flush with the surface.
  • Drain covers that are typically found in parking lots usually have wide openings to provide drainage. This creates a severe trip hazard, especially with high-heeled shoes. Grates should have openings no greater than ½ inch; and they should be painted a contrasting color, such as yellow.
  • Electrical, telephone, and microphone cords should be routed around walkways and doorways. Where this is not possible, they should be securely taped down or covered with cord protectors. Whenever possible, use cordless microphones to eliminate excessive cords.
  • Elevators should be adjusted so that they are even with the floor surface.
  • Holes and depressions formed as a result of settling should be monitored and filled in.
  • Old posts, temporary pole supports, etc. should be removed. These only create unnecessary trip and fall hazards.
  • Sprinkler heads used for irrigation should be level with the ground surface when not in use.
Drainage HoleCords
The photo on the left shows a drainage hole that should have a protective covering installed. The photo on the right shows electrical and audio cables placed on the stairs and walking surface that should be routed away from the walking area, taped to the floor, or provided with cord protectors. Areas such as these create unnecessary trip and fall hazards and should be corrected.  
                                             Contact us for all your Insurance needs! (321)725-1620
Bob Lancaster Insurance
                                                                             Serving Florida since 1964 

Wednesday, May 7, 2014

Work Comp Wednesday - Prevent Heat Illness in Outdoor Workers

HEAT ILLNESS CAN BE DEADLY. Every year, thousands of workers become sick from exposure to heat, and some even die. These illnesses and deaths are preventable.


OSHA's nationwide Heat Illness Prevention Campaign aims to raise awareness and teach workers and employers about the dangers of working in hot weather and provide valuable resources to address these concerns. Begun in 2011, the Heat Illness Prevention Campaign has reached more than 7 million people and distributed close to half a million fact sheets, posters, quick cards, training guides and wallet cards. OSHA is again joining with other federal and state agencies and non-governmental organizations to spread the word about preventing heat illness. For example, OSHA is continuing its partnership with the National Oceanic and Atmospheric Administration’s (NOAA) National Weather Service to include worker safety precautions in their Excessive Heat Watch, Warning, and Advisory Products.


Available on this web page are numerous resources that can be used to prevent heat illnesses:
  • The Educational Resources section links to information about heat illnesses and how to prevent them. Many of these resources target vulnerable workers with limited English proficiency and/or low literacy.
  • The Using the Heat Index section provides guidance to employers to develop a heat illness prevention plan.
  • The Training section includes a guide/lesson plan for employers and others to use in instructing workers on heat illness. There are links to additional resources in other languages.
  • The Media Resources section includes news releases, public service announcements (PSAs), drop-in articles about heat illness prevention that you can customize to share and campaign artwork.
  • The Fatality map shows locations of outdoor worker, heat-related fatalities between 2008 and 2012. It is not an exhaustive list of all worker fatalities from heat exposure. The map provides a geographic reminder that Water.Rest.Shade. are vital to providing a safe and healthful environment when working outdoors in the heat.
The Heat Illness web page and many resources are available en español.
We hope you will join with us in this effort by helping to reach workers and employers in your community with the resources you will find on this site.

Who is affected?

Any worker exposed to hot and humid conditions are at risk of heat illness, especially those doing heavy work tasks or using bulky protective clothing and equipment. Some workers might be at greater risk than others if they have not built up a tolerance to hot conditions. Occupations most affected by heat-related illness are: construction, trade/transportation/utility, agriculture and building/grounds maintenance and cleaning. Other workers who may be affected by exposure to environmental heat include those in transportation/baggage handling, water transportation; landscaping services; greenhouse, nursery, and floriculture production; and support activities for oil and gas operations.

What is heat illness?

The body normally cools itself by sweating. During hot weather, especially with high humidity, sweating isn't enough. Body temperature can rise to dangerous levels if precautions are not taken. Heat illnesses range from heat rash and heat cramps to heat exhaustion and heat stroke. Heat stroke requires immediate medical attention and can result in death.

How can heat illness be prevented?

Employers are responsible for providing workplaces that are safe from excessive heat. Employers should provide workers with water, rest and shade; should gradually increase workloads and allow more frequent breaks for new workers or workers who have been away for a week or more to build a tolerance for working in the heat (acclimatization); and should educate workers about the symptoms heat-related illnesses and their prevention. Employers should also include the steps to prevent heat illness in worksite training and plans as well as what to do in an emergency. Acting quickly can save lives!
OSHA's key pieces of advice for workers are:
  • Drink water every 15 minutes, even if you're not thirsty.
  • Rest in the shade to cool down.
  • Wear a hat and light-colored clothing.
  • Learn the signs of heat illness and what to do in an emergency.
  • Keep an eye on fellow workers.
Remember these three simple words: Water, Rest, Shade. Taking these precautions can mean the difference between life and death.

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

Serving Florida since 1964

Wednesday, February 12, 2014

Work Comp Wednesday - Electrical Hazards - Loss Prevention

Electricity has long been recognized as a serious workplace hazard, exposing employees to electric shock, electrocution, burns, fires and explosions. Every 30 minutes, a worker is severely hurt from electricity requiring off the job recovery. Recovery from electrical shocks and burns is slow and painful. Electrical hazards cause more than 300 deaths in the workplace annually. Electrical accidents rank sixth among all causes of work-related deaths in the United States averaging 13 days away from work and nearly one fatality every day. What makes these statistics more tragic is that most of the fatalities could have been easily avoided with safety awareness.

Occupational Safety and Health Administration (OSHA) standards cover many electrical hazards in many different industries. OSHA’s general industry electrical safety standards are published in Title 29 Code of Federal Regulations (CFR), part 1910.302 through 308 – Design Safety Standards for Electrical Systems, and 1910.331 through 335 – Safety-Related Work Practices. OSHA has developed electrical safety standards for the construction industry, in 29 CFR 1926, Subpart K - Electrical. OSHA’s electrical standards are based on the National Fire Protection Association (NFPA) standards NFPA 70, National Electric Code, and NFPA 70E, Electrical Safety Requirements for Employee Workplaces. NFPA 70 has been adopted in all 50 states and is the benchmark for safe electrical design, installation, and inspection to protect people and property from electrical hazards. In states with OSHA-approved programs the standards and other procedures governing electrical safety may not be identical to the federal requirements; however they must be at least as effective as the federal standards. Violations such as lockout/tagout and electrical wiring methods consistently appear in OSHA’s top 10 list of violations.

Causes of Electrical Hazards: Most electrical hazard accidents result from one of the following three factors:
• Unsafe equipment or installation
• Unsafe environment
• Unsafe work practices
  
Prevention of Electrical Hazards: Ways to prevent electrical hazard accidents are through the use of:
• Insulation - using glass, mica, rubber or plastic insulators.
• Guarding - locating or enclosing electrical equipment.
• Grounding - creating a low-resistance path that connects to the earth.
• Electrical protective devices - fuses, circuit breakers and ground-fault circuit interrupters (GFCI).
• Safe work practices that include:
Job planning - Safety on the job is not something that just happens. Complete a detailed job plan and communicate it to all co-workers. Planning prevents mistakes and injuries from occurring. Identification - Identify all possible energy sources that could pose on-the-job hazards.
Deenergizing - The number one way to prevent electrical injuries and fatalities is to deenergize the equipment being worked on. It may take a little more time and planning, but your life and health are worth it.
Lockout/tagout - These procedures safeguard workers from the unexpected energization, or startup of machinery and equipment. They can also prevent the release of hazardous energy during service or maintenance activities.
Equipment maintenance - Always keep electrical tools properly maintained.
Exercise caution - When working near energized lines.
Use personal protective equipment (PPE) - As a last line of defense. PPE includes: hard hats, gloves, goggles, safety shoes, flame-resistant shirts and pants, safety glasses, face shields, fall protection equipment, etc.

TEST BEFORE YOU TOUCH - Every year workers are injured or killed by circuits they thought were safely turned off. Simply shut-ting off the power is not enough. Hazardous conditions can still exist.

Most electrically-related fatalities and injuries could have easily been avoided. Responsibility for your safety begins with you. Take steps to protect yourself every day and make safety an integral part of how you do business.

                              Contact us for all your Insurance needs! (321)725-1620


Bob Lancaster Insurance
Serving Florida since 1964