Bender

When the smoke and ash settles will you be under-insured?

james March 12, 2018

Attribution: Denise Metz, VP of Personal Lines & Partner at Warren G. Bender Co

Some Considerations on Your Workers Compensation Premium

rcac123 February 24, 2017

by Robert L. Babcock, Warren G. Bender Co., RCAC Premier Sponsor As a roofing contractor, Workers Compensation is probably your biggest expense. It can impact your monthly cash flow significantly, especially if your policy is on a stipulated billing program….
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Bender

DO YOU HAVE A SUB-CONTRACTORS WARRANTY ON YOUR GL POLICY?

rcac123 February 24, 2017

Robert Babcock, Warren G. Bender Co., RCAC Premier Sponsor There are many General Liability policies that have a subcontractors warranty in them. Ultimately, you must make sure that any subcontractor you hire has the same limits on his policy that…
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Bender

Workers’ Compensation Mistakes That Will Increase Your Mod Factor

rcac123 February 24, 2017

Bob Babcock, Warren G. Bender Co., RCAC Premier Sponsor When you have a workers’ compensation claim that you feel is fraudulent, you must tell your workers’ compensation insurance company to investigate it. This will give them a 90 day window…
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Bender

New rules for reporting first aid claims

rcac123 February 24, 2017

There has been and still is confusion regarding the new rule that went into effect January 2017 on the reporting of medical only claims. I was involved in a webinar sponsored by the Independent Insurance Agents and Brokers of California…
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Bender

Safety Tip #3

For a burn caused by heat, never use an ointment, which may seal in heat and cause an infection, unless advised by a medical professional.

Safety Tip #2

On hot days, take frequent breaks to drink cold water, and make sure that ample cold water is available. Four (4) 8 ounce cups of water per hour is recommended.

Safety Tip #1

Never touch an electrical item, tool, on-off switch, light fixture, or outlet when your hands are wet or if you're standing on a wet or damp surface.

Safety Tip #4

For a burn caused by heat, stop the heat source or break contact between the heat source and the skin first. The body holds heat and continues to burn until the skin cools, even with a minor burn, which can cause a person to go into shock.

Safety Tip #6

When working with pneumatic nail guns, wear safety glasses with side shields and hearing protection. Consider a face shield, work gloves, hard hat, and steel toed boots if the job task and/or site require added protection.

Safety Tip #7

To prevent misfires, never pull, lift, or swing a nail gun by the hose.

Safety Tip #8

Keeping aisleways clear and clean reduces the risk of injury due to slips, trips, falls, and overexertion.

Safety Tip #9

Workers can prevent cold stress by replacing lost fluids with warm, sweet, non-caffeinated drinks.

Safety Tip #5

Workers can prevent cold stress by seeking warm locations during breaks.

Safety Tip #10

Workers can prevent cold stress by dressing with warm, layered, properly insulated and well-ventilated clothing.

Safety Tip #11

Always give the power tool time to run down and blades to stop completely before you try to handle them.

Safety Tip #12

Turn the power off completely and lockout and blockout before you clear a jam or clean a machine.

Safety Tip #13

Never leave powered cutting equipment running while unattended.

Safety Tip #14

When using power tools, always remove nails, burls, or other imperfections and additives that could cause the materials to jam or “kick-back."

Safety Tip #15

Pay attention to cutting blades the entire time until your cut is completed. A distraction can lead to a lost finger or hand.

Safety Tip #16

Hearing protection is required around tools that produce excessive noise both in the shop and on the worksite.

Safety Tip #17

When using power tools, avoid jewelry and loose clothing that could be pulled into moving and rotating parts.

Safety Tip #18

When using power tools, wear appropriate, close-fitting clothing, and tie back long hair.

Safety Tip #19

When using power tools, wear safety glasses to protect your eyes from sawdust and flying objects.

Safety Tip #20

Keep your hands away from blades or moving parts by using pushsticks or other guides to move materials into the cutting area.

Safety Tip #21

Make sure that cutting blades and surfaces are clean and sharp to give you the best control.

Safety Tip #22

Make sure that power cords are in good shape with proper grounding.

Safety Tip #23

Always inspect your tools before each use.

Safety Tips #24

Your eyes should be shaded from the sun with sunglasses, visors, caps, or a combination of these.

Safety Tip #25

It is recommended that sunscreen be reapplied at least every two hours to exposed skin areas, especially when there’s heavy sweating.

Safety Tip #26

When working outdoors, the best skin protection against the sun’s harmful ultraviolet (UV) rays is to wear a long sleeved shirt, long pants, a neck scarf, and your hard hat.

Safety Tip #27

Where guardrails or other barriers are not feasible, workers must use approved personal fall protection systems or positioning devices.

Safety Tip #28

Prior to each use, inspect fall protection equipment thoroughly.

Safety Tip #29

Establish solid footing and balance before climbing scaffoldings or ladders.

Safety Tip #30

When climbing scaffoldings or ladders, use tool belts or approved hoists to carry materials up to the job site, thus allowing the use of both hands.

Safety Tip #30

Face the rungs when climbing up or down scaffoldings.

Safety Tip #31

Only climb scaffoldings from designated areas on the structure or on properly installed ladders.

Safety Tip #32

Before a scaffold job begins, all workers should receive training on that particular scaffolding system and on any required personal fall protection equipment.

Safety Tip #33

Flush foreign objects (such as dust, dirt, metal, wood chips) from eyes with water. Never rub or try to remove objects embedded in the eye. This can cause further damage.

Safety Tip #34

Cuts in or around the eyes should be loosely bandaged to stop any eye movement until professionally attended. Don’t rub, press or wash the cut; this can cause further damage.

Safety Tip #35

Bumps and blows to the eyes can be helped if a cold compress is applied for 15 minutes to reduce pain and swelling.

Safety Tip #36

On hot days, choose water over sodas and other drinks containing caffeine or sugar.

Safety Tip #37

Keep track of your coworkers. You all need to watch out for each other. If anyone looks like they are not okay, check them out.

Safety Tip #38

On hot days, take frequent breaks to drink cold water, and make sure that ample cold water is available. Four (4) 8 ounce cups of water per hour is recommended.

Safety Tip #39

On hot days, consider wearing loose-fitting, light-colored clothing and a wide-brimmed hat to prevent heat-related illness.

Safety Tip #40

Gloves with rubber dots on the surface increase grip stability on surfaces that are slippery (e.g., wet items or items without handles).

Safety Tip #41

There’s less strain on your body if the work is positioned between your shoulders and waist, with a waist high level being the most neutral and comfortable.

Safety Tip #42

When carrying a load, try to avoid bending or twisting.

Safety Tip #43

Carry loads close to your body, keeping as much of it as you can at waist level.

Safety Tip #43

To prevent strains and sprains: If you’re not sure you can handle the load, get help from another worker or break it down into smaller parts. If you can’t break it down, use a mechanical lifting device.