Don’t Make These Mistakes When Posting OSHA Form 300A

Employers with 10 or more employees must post their completed OSHA Form 300A by Feb. 1 and keep it posted in their workplace until April 30. The form must be posted where the company usually posts other employee notices, like minimum wage and workplace safety notices. Form 300A summarizes the total number of fatalities, missed workdays, job transfers or restrictions, and injuries and illnesses as recorded on Form 300. The penalty for OSHA posting violations is $13,260. The Summary (Form 300A) requires the following information from the Form 300 Log: The total number of non-first-aid occupational injury and illness cases.…

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8 Tips for Improving Electrical Safety on Construction Sites

The construction industry has the highest percentage of electrical fatalities out of all industries. While electricity is a crucial component in a construction project's success, it poses a risk of harmful shock, horrific burns or fatal electrocution. These accidents can occur when workers come into contact with power lines, wiring, transformers or other electrical machinery. Fortunately, there are steps that companies can take to minimize the dangers. The following are eight tips on how to improve electrical safety in the construction industry: Provide personal protection вЂ” Electrical safety in the industry starts at a personal level. All the electrical work personnel…

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Survey: Commercial Insurance Rates to Continue Rising in 2021

The commercial insurance rate hikes that have been ongoing since 2017 are expected to continue into 2021 with double-digit increases for most lines of insurance, according to a new report. The survey of insurance executives by Alera Group Inc. forecasts that commercial rates will increase across all lines nationwide by an average of 11.6% this year. While the rate hike percentages will certainly vary from state to state, it predicts that workers' compensation will see the lowest rate average rate increase of 4.7%, while the highest is forecast to be for medical malpractice insurance at 17.5%.  The rate increases continue…

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Getting a Handle on Commercial Auto Insurance Rates

While most companies focus on driver training to help reduce the chances of accidents pushing up their insurance premiums, many executives have been frustrated to see their rates climb. The top two factors affecting your commercial auto premiums are your history of claims and the driving records of your individual drivers. To get a handle on your insurance rates you should focus on hiring on mature, experienced, responsible drivers. Once you have selected solid people, the next step is to enforce safety standards and provide them with adequate rest and the tools they need to drive safely. New technologies and…

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Pandemic Telecommuting and the Wage and Hour Dilemma

With the coronavirus pandemic forcing so many of our employees to work remotely, and with mobile technology allowing them to work from anywhere, your employees may be working when they are off the clock. They may feel pressured to do so or maybe they just want to get their work done, but if they are working past normal working hours, it could spell trouble for your organization. The proliferation of smartphones had already led to a rising number of lawsuits by employees claiming they were required to work uncompensated on evenings and weekends when not on the clock. Now, labor…

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Commercial Insurance Rates Continue Climbing

Despite the ongoing COVID-19 pandemic, commercial insurance rates are continuing to move higher, pretty much across the board with the exception of workers' compensation. A new report by online insurance exchange MarketScout found that in the third quarter of the year the highest rate increases were in liability lines, but hefty rises in property insurance were also noteworthy. Most of these rate hikes were occurring before the COVID-19 pandemic, but their magnitude increased recently. "The composite rate is up 6.25% for the third quarter of 2020, as compared to up 4.8 percent in the second quarter. Rates began adjusting upward…

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Common Questions About Fire Sprinkler Systems

Automatic fire sprinkler systems can save lives and property in both residential and commercial settings. There are several common questions that arise when people consider installing these systems. This guide provides answers to most questions, but those who have further questions should call us. Are fire sprinklers really effective? According to the National Fire Protection Association, there are no records of fires resulting in more than two fatalities in areas that had adequate sprinkler coverage. In cases where fatalities resulted in buildings with sprinklers, the people who died were usually in direct contact with flames before the sprinklers were activated.…

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Annual Insurance Review is Crucial to Your Growing Business

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities. Let's say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured. To make sure you have all of your assets covered, you should review your business insurance program annually. Circumstances change,…

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