MONDAY, OCTOBER 8, 2018
We don’t think of small amounts of water as particularly threatening. However, in the right situations, even puddles might prove dangerous. What if you slip in one at work and fall? Qualifying injuries might qualify you for workers’ compensation coverage. How do water risks fall into this coverage? What can you do to prevent water-borne threats in the business?
Why Water Poses a Workers’ Compensation Risk
Workers’ comp helps employees who have suffered injuries or illnesses during their duties. They can get money to aid them in their recovery and supplement lost income.
If an injury comes about because of standing water or water damage, then the affected party often has recourse. Workers' comp claims from water risks might include slip-and-falls and mold exposure.
Why do Slip and Fall Risks Exist?
Anywhere water puddles, there’s a fall risk. Even a small puddle could cause someone to slip. The resulting injuries might range from a bruised shin to a severe head injury. Standing water and fall risks might originate from:
- Leaking pipes and ceiling leaks
- Spills from coffee pots, sinks or water fountains
- Wet floors following cleaning
- Puddles in entryways or on sidewalks on rainy days
In most of these cases, if a fall occurs, you can qualify for a workers’ compensation claim. For example, if you slip while in the bathroom, you’ll often have protection. Nevertheless, not all falls will equal a claim. If you fall while out of the office to eat lunch, you might not be able to file.
Mold Risks and Coverage?
Anytime you have standing water, you have a mold risk. If mold develops, it might cause breathing problems and other extensive injuries.
Let's look at an example. Mold might grow undiscovered behind a business’s walls. Over the years, you might become ill because of this exposure. As a result, you might be able to file a successful workers’ compensation claim.
Nevertheless, mold is a tricky subject. It’s sometimes hard to pinpoint if your particular illness came from the mold in your workplace. Even so, if you can prove this fact, then your employer’s workers’ comp policy could cover you.
Employers have an obligation to provide a safe workplace and prevent mold growth. If you are in charge of this, consider a few different precautions. These might include:
- Keeping humidity and temperature low and dry
- Having regular mold tests as needed.
- Looking out for any leaks, including hidden leaks. Have these fixed immediately.
- Cleaning up any standing water immediately. Use cleaning supplies that will combat mold risks.
If you have questions about slip-and-fall or mold coverage, contact your workers’ comp insurer. Ask what your policy will cover, and how they cover it. In the meantime, do what you can to prevent workplace accidents.
Also Read: Expanding Your Employee Benefits Package
TUESDAY, DECEMBER 30, 2014
HAPPY NEW YEAR!
If you are hosting a New Year's Eve party, following a few simple rules could prevent a tragedy:
- Plan ahead by naming a "designated driver". Make this your responsibility as the host.
- Contact a local cab company to provide rides for your guests.
- Serve non-alcoholic beverages as an option for your guests.
- Stop serving alcohol to your guests several hours before the party ends.
- Provide your guests a place to stay overnight in your home.
If you are attending New Year's Eve parties and celebrations:
- If you drink, DON'T DRIVE!
- Plan ahead and always designate a sober driver before the party or celebration begins.
- If you are impaired call a taxi, use mass transit, or get a sober friend or family member to come pick you up.
- Or, stay where you are until you are sober.
- Take the keys from someone if you think he/she is too impaired to drive.
From all of us at Insurance Planning Service, have a safe and fun New Year's Eve!
THURSDAY, OCTOBER 23, 2014
As the end of October approaches, so does Halloween - that exciting time of year for kids! Here are a few tips that can help keep children safe while they are Trick-Or-Treating:
- A parent or responsible adult should always accompany young children on their neighborhood rounds.
- If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.
- Only go to homes with a porch light on and never enter a home or car for a treat.
- Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or-Treaters.
- Stay in a group and communicate where they will be going.
- Remember reflective tape for costumes and trick-or-treat bags.
- Carry a cellphone for quick communication.
- Remain on well-lit streets and always use the sidewalk.
- If no sidewalk is available, walk at the far edge of the roadway facing traffic.
- Never cut across yards or use alleys.
- Only cross the street as a group in established crosswalks (as recognized by local custom). Never cross between parked cars or out driveways.
- Don’t assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops, doesn't mean others will!
Source: American Academy of Pediatrics
- Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.
THURSDAY, OCTOBER 9, 2014
Did you know?
Tips to avoid a car-deer crash:
- Car-deer crashes are a year-round problem in Michigan. During 2012, there were 48,918 reported car-deer crashes.
- A car-deer crash occurs every nine minutes.
- The average car-deer crash causes $2,100 in damage, usually to the front end, and often leaves the vehicle un-drivable
If a crash is unavoidable:
- Stay aware, awake and sober.
- Drive at a safe speed.
- Observe your surroundings.
- Pay attention to deer crossing signs. They are placed at known deer crossing areas.
- Deer are herd animals and frequently travel in single file. If you see one cross the road, chances there will be more following.
- Always wear your safety belt.
Article Source: Michigan Millers Mutual Insurance Company
- DON'T SWERVE. Brake firmly, stay in your lane, hold onto the steering wheel and bring your vehicle to a controlled stop.
- PULL OFF THE ROAD. Turn on your emergency flashers and be cautious of other traffic if you leave your vehicle.
- DON'T ATTEMPT TO REMOVE A DEER from the roadway unless you are convinced it is dead. An injured deer's sharp hooves can easily hurt you.
- REPORT A CRASH to the nearest police agency and your insurance agent.
TUESDAY, OCTOBER 23, 2012
As the first leaves hit the ground and those fall breezes turn from cool to cold, it’s time to prepare for winter. Whether that means snowstorms and ice or just the heavy chills many experienced in last year’s milder season, experts advise preparing your home for whatever Old Man Winter has in store.
Here are 10 popular winterizing tips:
1. Check doors, windows and any exterior opportunities for winter to enter your home. Caulk cracks and replace cracked or broken glass and dried-out or missing weatherstripping and seals.
2. Inspect and clean gutters and downspouts.
3. Inspect, repair or replace flashing, roof shingles or tiles. If needed, add attic insulation to prevent ice dams along the edge of the roof, which can cause water damage to roofs and ceilings.
4. Get the fireplace and furnace ready. Buy or chop firewood and inspect damper and chimney. Have the furnace inspected, clean the ducts, stock up on filters, and inspect or replace the thermostat.
5. Inspect, update, or install smoke and carbon monoxide detectors as well as fire extinguishers.
6. Protect pipes. Insulate exposed pipes, and drain and close off A/C pipes or exterior hose bibs. If you plan a vacation, be sure to leave heat set at least to 55 degrees.
7. Reverse ceiling fans. In the summer, ceiling fans force breezes downward. In winter, reversing the direction of air flow forces the warm air at ceiling height back down along the walls, from where it will rise again, keeping the overall room temperature at a more comfortable level with less need for heating.
8. Prepare landscaping and gardens. Trim dead tree limbs or any branches that are hanging so close to the house or electrical wires that they could cause damage when weighted by ice. Bring sensitive plants indoors or move to greenhouse. Seal or repair sidewalks, driveways, patios, and decks.
9. Service winter equipment. Is your snowblower ready for action? Do you have snow shovels and ice choppers and adequate bags of sand or ice melt for icy surfaces?
10. Assemble an emergency kit. Include first aid supplies, flashlights, candles, lanterns, extra batteries, nonperishable food, and bottled water.
And don’t forget this is a great time of year for a homeowners coverage review. Call INSURANCE PLANNING SERVICE
, your Livonia Trusted Choice® independent insurance agent
or contact us
online to be certain your current homeowners
protection is adequate.