No matter who the commercial client is, there is always a question when quoting commercial insurance regarding safety procedures and whether or not that business has such safety practices in place. It doesn’t matter if it is a commercial general liability policy, workers compensation, or even a business auto policy; carriers need to have that question answered. Unfortunately, most businesses neglect to act when it comes to putting a safety policy in place because they are confused by the false notion that their business isn’t risky and won’t require a safety policy.

Contrary to popular belief, anywhere you have workers, you should also have a safety policy. Naturally, each business and work place is different and as such, each requires a safety policy that is molded for each one of them. Here are a few different types of safety practices and policies that could apply to your company.

Common Business Safety Practices and Policies

  1. Every workplace should have a standard safety policy in place that instructs employees on things like safety exits, exit strategies in the event of a fire, and office safety. Your office safety policy should also have information on the location of the nearest fire extinguisher, defibrillator, and instructions on CPR. You should also take inventory of your workplace for safety hazards, even items that may not appear dangerous and address any problems that are found.

  2. For our slightly riskier company working areas, safety gear needs to be a part of the company’s safety policy and readily available for workers. Depending on your line of work, items like hard hats, safety goggles, steel toe boots, and gloves should be kept on hand. These are items that may lessen or even prevent an injury and a claim on your workers compensation policy. While your workers may have one or two of those items, it is important to provide your employees on site with every safety item possible.

  3. Slightly riskier may also include workers who use their personal vehicle for work or who drive company-owned vehicles. If that is the case, your company safety policy should include safety practices when driving for work. These could include the obvious safety practices such as no texting and driving or driving while on the phone. In an effort to ensure such practices are followed, you could take your safety policy one step further by requiring workers to put any phone in the backseat. Another safety practice that could help your driving employees be more cautious is to require them to walk around the car before getting in and starting the vehicle. This alerts the driver to any potential hazards and gives them the opportunity to check the tires. A way to ensure your employees remember this is by equipping the vehicles used for the business with small orange cones to be placed in front and behind the vehicle so they have to move the cones before starting the vehicle.

Whatever your business and wherever your workplace, every company needs a safety policy in place. Prevent injuries on the job by reviewing your safety practices with your employees often and don’t leave your employees vulnerable to injury at the workplace without workers compensation insurance. Call the insurance professionals at Jones & Associates Insurance today to find out more about workers compensation insurance and how you can better protect your employees, your business, and yourself.

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