OSHA Cornerstones - Second Quarter 2018

In this Issue

OSHA Delays Beryllium Rule Enforcement

The agency also clarified requirements for the construction and shipyard industries.

Majority of Establishments Failed to Submit 2016 Electronic Reporting Data

A delayed compliance date and confusion about exemptions caused many establishments to fail to report 2017 data electronically.

OSHA Releases Two New Fact Sheets on Electricity Safety

These new resources can help protect employees who frequently work around electricity and downed power lines.

OSHA Delays Beryllium Rule and Clarifies Requirements for Construction and Shipyards

Although OSHA’s final rule on beryllium exposure in the general, construction and shipyard industries became effective on May 20, 2017, the agency recently announced that it will delay enforcement until May 11, 2018. OSHA also announced that some of the rule’s requirements will vary between the three affected industries.

Beryllium is a toxic metal that’s commonly found in machine parts, electronics and aircraft. The metal is a known carcinogen and can also cause respiratory problems, skin disease and many other adverse health effects. For these reasons, OSHA has lowered the exposure limits for employers in the general, construction and shipyard industries:

  • The permissible exposure limit (PEL) of an eight-hour average has been lowered to 0.2 micrograms per cubic meter of air (μg/m3). The previous PEL was 2.0 μg/m3, a limit that OSHA found to pose a significant health hazard to employees.
  • The short-term exposure limit (STEL) over a 15-minute period has been lowered to 2.0 μg/m3.

Although the new beryllium rule contains additional requirements, OSHA will only require the construction and shipyard industries to follow the new PEL and STEL. The agency stated that employees in these industries don’t frequently work near dangerous amounts of beryllium and are protected by the safety requirements found in other OSHA standards.

General industry employers must follow these additional beryllium control methods:

  • Provide exposure assessment to employees who are reasonably expected to be exposed to beryllium.
  • Establish, maintain and distinguish work areas that may contain dangerous amounts of beryllium.
  • Create and regularly update a written beryllium exposure plan.
  • Provide adequate respiratory protection and other personal protective equipment to employees who work near beryllium.
  • Train employees on beryllium hazards and control methods.
  • Maintain work areas that contain beryllium and—under certain conditions— establish facilities for employees to wash and change out of contaminated clothing or equipment.

For more information on the new rule, call us at 920-921-5921 and ask to see our Compliance Bulletin on beryllium exposure.

Majority of Establishments Failed to Submit 2016 Electronic Reporting Data

According to a new report from Bloomberg Environment, a majority of the establishments that were required to submit 2016 injury and illness data under OSHA’s electronic reporting rule failed to do so. OSHA expected to receive about 350,000 reports, but the agency only received just over 150,000.

The final date to submit 2016 injury and illness reports was Dec. 31, 2017, but this date was delayed a number of times as OSHA worked to build its Injury Tracking Application and improve its cyber security. Bloomberg also attributes the large number of missing reports to confusion about exemptions, as OSHA received over 60,000 reports from exempt establishments.

Under the rule, the following establishments must submit data electronically:

  • Establishments with 250 or more employees that are required to keep injury and illness records must submit OSHA Forms 300, 300A and 301.
  • Establishments with 20 to 249 employees that work in industries with historically high rates of occupational injuries and illnesses must submit OSHA Form 300A.

The final date to submit 2017 injury and illness data electronically is July 1, 2018. Beginning in 2019, data from the previous calendar year must be submitted by March 2 annually.

OSHA Releases Two New Fact Sheets on Electricity Safety

OSHA has released two electricity fact sheets in order to protect employees who frequently work with electricity and power lines. According to the Electrical Safety Foundation International, electricity causes over 150 fatalities and 1,500 injuries in U.S. workplaces every year.

Here are some of the topics included in the first new fact sheet, which can provide tips for engineers, electricians and other employees who work with electricity:

  • Generators
  • Power lines
  • Extension cords
  • Equipment
  • Electrical incidents

The second fact sheet focuses on downed electrical wires and can help employees involved in recovery efforts following disasters and severe weather events.

Protecting employees from electrical hazards not only keeps your business productive, it can also save you from costly OSHA citations. The agency’s electrical wiring method standard is one of the top 10 most frequently cited standards nearly every year.

For resources that can help safeguard your business against electrical hazards, contact us today.


Manufacturing Risk Advisor - May/June 2018

Mixed Reaction to New Steel and Aluminum Tariffs

The Trump administration recently announced a 25 percent tariff on steel and 10 percent tariff on aluminum in order to discourage imports of these materials. The administration also stated that the tariffs are part of an effort to increase jobs and protect U.S. businesses from foreign competition.

While the tariffs were established to help U.S. businesses, manufacturing experts believe that they may increase the price of new products and that sales will likely decrease as these costs are passed onto consumers. Although the tariffs only apply to imported materials, many U.S. steel and aluminum producers have raised prices in order to account for increased demand.

The Commerce Department also announced an exclusions process for the tariffs. However, businesses must first prove that they’re unable to obtain the materials from domestic sources.

For more information on the manufacturing industry, call us at 920-921-5921 today.

How Blockchain Technology Can Improve Supply Chains

Manufacturers need to rely on a consistent supply chain in order to operate. However, a lack of transparency between vendors and the use of separate management systems often leads to confusion, delays and lost business.

To solve these problems, many businesses have turned to blockchain technology—a platform that works by recording a separate record, or “block,” every time a supply chain progresses. This record is then encrypted and used to verify all subsequent blocks, which prevents any alterations to records.

Here are some of the potential benefits of a blockchain recordkeeping system:

  • Flexible scalability—Blockchain systems can be used internally to track projects and other workflows. Multiple organizations can share the platform to organize large-scale operations.
  • Security—Records that use blockchain are encrypted, verified and shared between all users. As a result, blockchain is very secure against tampering and cyber attacks.
  • Transparency—Advanced sensors and other tracking technology can update blockchain records to give businesses an ongoing view of a supply chain without fear of human error or biased reporting.
  • Innovation—New services are beginning to automate complex systems like contractual obligations, employee security credentials and personal data protection using blockchain technology.
  • Detailed analytics—Businesses can track individual products to gather important information at any time, such as the origin of a dysfunctional product or a food item’s expiration date.


Trucking Risk Advisor - May 2018

ELD Enforcement Contributes to Rising Freight Rates

Electronic logging device (ELD) enforcement has contributed to rapidly growing freight rates, according to a report from transportation information firm DAT Solutions. The firm found that 3 percent of surveyed truckers planned to retire instead of comply with the ELD rule, which was a large factor in a 7 percent drop in year-over-year trucking capacity.

Although the ELD rule came into effect at the end of 2017, the Department of Transportation only began enforcement of the rule on April 1, 2018. ELDs automatically track a driver’s compliance with federal hours-of-service limits, and drivers who don’t use the devices must stop driving until one is installed.

While freight rates in April are generally lower following the end of the first quarter, DAT Solutions’ report found that rates have increased as motor carriers struggle to account for a shortage of skilled drivers.

Call us at 920-921-5921 for more information on trends in the trucking industry.

New Technology May Replace Mirrors With Camera-based Systems

Although sideview mirrors allow drivers to stay aware of surrounding traffic, the large devices offer limited viewing angles and create drag that lowers fuel economy. As a result, some technology companies are advocating for the use of camera-based systems to improve safety and lower operating costs.

Prototype camera systems feature multiple, internally wired cameras that provide drivers with multiple views of adjacent lanes, the blind spot in front of a truck’s hood and the ground on each side of the vehicle. The cameras themselves also include a number of safety features:

  • Redundant systems to reduce the chances of a malfunction
  • Low-light visibility options
  • Heated glass to prevent the buildup of ice and frost
  • Special coatings that resist rain and moisture

Camera systems can improve a heavy-duty truck’s fuel economy by approximately 2.5 percent and lead to over $1,300 in annual fuel savings. The systems can also lead to savings by reducing crashes, as traditional mirrors are limited by large blind spots, glares, night visibility and adverse weather.

The FMCSA is currently accepting public comments on an exemption for the MirrorEye camera system, which has been used in Europe since 2016. For more information, visit the FMCSA’s notice in the Federal Register.


Risk Insights - Understanding Total Cost of Risk

Risk exists everywhere in business. One of the biggest mistakes that companies make is assuming that the cost of risk only involves their insurance premiums paid, retained losses and administrative costs. However, the total cost of risk encompasses much more than that.

While a risk management program can be an effective method for controlling risk, the resources used by the program may not be addressing all the risks faced by the business. One way to discover all of the risks facing your business—including the ones that might not be seen, considered or addressed in your risk management program—is to examine the total cost of risk (TCOR).

TCOR is the total cost of the items that businesses are responsible for, such as insurance premiums, retained losses in the form of deductibles and uninsured losses, indirect costs of claims and administrative costs, and other factors that can include the following:

  • Transaction costs
  • Loss of reputation
  • Loss of market share
  • Overtime
  • Additional training
  • Product loss
  • Production decrease
  • Claims reporting and investigation
  • Fines

Over time, an idea of an organization’s TCOR can provide a form of measurement for assessing how its risk-related costs are changing, relative to the overall growth rate of the business.

Why is Knowledge of TCOR Important?

If your business is only focusing on insurance premiums as your way of quantifying risk, you may be missing costs that you have more control over. For example, premiums may be the least controllable costs, as insurance rates are determined by outside forces such as weather-related events, the stock market, interest rates and the insurance marketplace.

Furthermore, the benefit of decreasing premiums is negated if an organization sees an increase in indirect costs of claims and administrative costs. True cost reduction is most impacted by lowering indirect costs, which can cost more than the actual claim itself. TCOR helps identify those costs.


Understanding your TCOR and your ranking helps identify areas where your organization can save money.


How Does TCOR Work?

TCOR is measured per $1,000 of revenue. By measuring TCOR against revenue, you can measure the progress that your safety and risk management programs make in reducing internal costs throughout the years.

Benefits of Knowing Your TCOR

When business owners accurately measure TCOR, they tend to possess the motivation to invest into a more effective risk management effort, which can provide a significant rate of return. Many business owners use TCOR to realize the following benefits:

  • Increased productivity, profitability and efficiency
  • Reduced costs across the entire business, not just reduced insurance premiums

A better idea of any inconsistencies in the organization’s risk management approach

Tips for Utilizing TCOR

Consider the following tips when evaluating TCOR for your organization:

  • Use a basic framework to break down costs into component categories such as insurance premiums, service provider costs, risk transfer costs and safety department expenses.
  • Identify existing costs for each risk category, expressed as a percentage of overall company revenues.
  • Establish targets for each category for future years.
  • Remember that it’s not just about premiums. TCOR also includes self-insured losses, internal administrative fees and outside vendor fees.
  • Work on one area of TCOR at a time. This helps expose weaknesses in other areas of your risk management program and helps identify problem areas that need attention.
  • Consider all components of TCOR proportionally, and examine how they’re operating in conjunction with each other. If losses are low and premiums are high, there may be a need to reduce annual premiums and retain more predictable losses.
  • Be patient. Don’t expect immediate cost savings. Be prepared to invest in risk management tools that can deliver financial benefits over time.

Contact Hierl Insurance Inc. for a TCOR evaluation and resources that can help you lower your TCOR and improve your bottom line.


Covered Establishments in All States Must Now Submit OSHA Electronic Reports

HIGHLIGHTS

·      The electronic reporting rule now applies to all affected establishments, including establishments in states with OSHA-approved plans.

·      It does not matter whether the state has ratified the electronic reporting requirements.

·      The OSHA ITA is currently available and accepting reports on OSHA 300A forms with 2017 data.

IMPORTANT DATES

December 31, 2017

Due date for first OSHA electronic reports through ITA (submit 2016 data)

July 1, 2018

Due date for second OSHA electronic reports through ITA (submit 2017 data)

OVERVIEW

On April 30, 2018, the Occupational Safety and Health Administration (OSHA) announced it will require all establishments affected by the electronic reporting rule to submit their 2017 data to OSHA by July 1, 2018.

This announcement clarifies the requirement for establishments in states with an OSHA-approved plan. These establishments must submit electronic reports, regardless of whether the state has ratified or incorporated the electronic reporting rule into its OSHA state plan.

ACTION STEPS

Establishments in all states, including those with an OSHA-approved state plan, should prepare to submit electronic reports by July 1, 2018. Affected establishments can accomplish this by:

  • Becoming familiar with the requirements in the electronic reporting rule; and
  • Transitioning their OSHA records to an electronic format approved by the Injury Tracking Application (ITA)

OSHA Electronic Reporting

OSHA’s electronic reporting rule was issued in 2016. The rule requires establishments to report data from their injury and illness records to OSHA electronically if they:

  • Are already required to create and maintain OSHA injury and illness records and have 250 or more employees;
  • Have between 20 and 249 employees and belong to a high-risk industry; or
  • Receive a specific request from OSHA to create, maintain and submit electronic records, even if they would otherwise be exempt from OSHA recordkeeping requirements.

The electronic reporting rule applies to establishments, not employers. An employer may have several worksites or establishments. In these situations, some establishments may be affected while others are not.

To determine whether an establishment is affected, employers must determine each establishment’s peak employment during the calendar year. During this determination, employers must count every individual that worked at that establishment, regardless of whether he or she worked full-time, part-time, or was a temporary or seasonal worker.

OSHA-approved State Plans

The final rule required OSHA-approved state plans to adopt the electronic rule or “substantially identical” requirements within six months of the final rule’s publication date.

This means that OSHA-approved state plans have the authority to adopt reporting requirements that go above and beyond what is required by the federal rule. For this reason, establishments located in OSHA-approved state plan jurisdictions should consult with their local OSHA offices to make sure they are satisfying all electronic reporting requirements.

The OSHA-approved state plans shown on this map have not yet adopted the requirement to submit injury and illness reports electronically.

As a result, establishments in these states were not required to submit their 2016 data through the reporting website in 2017. However, OSHA has now clarified that they must submit their 2017 data in 2018.

All Employers
California

Maryland

Minnesota

South Carolina

Utah

Washington

Wyoming

Public Employers
Illinois

Maine

New Jersey

New York


Eliminate Electronic Distractions from the Workplace

It is a generally accepted fact that the use of cellphones and other electronic devices while driving present a distraction that greatly increases the chance for an accident. Unfortunately, what too many people fail to take into consideration is how distracting these devices can be in other situations.

In an industry of moving machinery and equipment, manufacturing workers are especially susceptible to workplace injury. They need to be alert at all times, as even the smallest slip-up can cause an accident. Not only can an inattentive worker injure themselves but their carelessness can also endanger others. In this type of work environment it is easy to see the importance of minimizing the potential distractions faced by your employees.

Cellphones

Whether it’s talking or texting, cellphone use takes the employees focus off their task. While handheld use compounds the problem, even using a hands-free device does not allow for full concentration. Studies indicate that the act of talking on the phone is distracting regardless of whether the user is physically holding the device or not. It is the conversation itself that takes an employee’s focus off their work and surroundings.

While some employees may need to use a work cellphone as part of their job, it is best to place restrictions on when and where those phones can be used. Personal cellphones should not be allowed on the manufacturing floor at all, as even the momentary distraction of a call or message alert can potentially lead to an accident. Employees should not have phones on their person during work hours unless they are on a break from their duties and are in a designated break area.

Attentive, focused employees are essential to creating a safe work environment. To reduce the chance for employee injury, it is important to keep the workplace free of distractions, such as cellphones and mp3 players.

Mp3 and Other Music Players

There are a variety of audio cues that alert workers to what is happening around them. Unfortunately, when an employee’s hearing is impaired by music, a shout from a coworker, an odd sound from a malfunctioning machine or the backup alarm on a truck or forklift can be easily missed. Besides limiting the worker’s ability to hear what is going on around them, there is also the potential distraction of operating the device. When adjusting volume or switching songs, not only is the employee’s hearing impaired, but they are also visually engaged with the device. This greatly decreases the worker’s awareness of his or her surroundings.

Potential Hearing Loss

In a manufacturing setting it is not uncommon for there to be high noise levels that require proper ear protection to prevent hearing loss. The use of cellphones, hands-free devices and headphones can interfere with an employee’s proper use of protective equipment. Even though such devices may cover the ear, most are not meant to provide hearing protection.

In fact, in noisy situations, devices that administer sound directly into the ear increase dangerous levels of noise exposure as employees turn up volume levels to drown out background noise. The combination of these noise exposures greatly increases the rate of hearing loss, which in turn increases the chance for occupational hearing loss claims.

Electronics Usage Policy

Attentive, focused employees are essential to creating a safe work environment, which is why it is important to eliminate possible distractions. Prohibiting employee use of personal electronic devices can aid in reducing workplace accidents. To clearly state your company’s rules on when and where usage is restricted, institute an electronics usage policy. Once instituted, train your employees in the policy requirements and make sure restrictions are diligently enforced.


Construction Risk Advisor: September 2018

Industry Overspending $177 Billion Per Year

The average time construction professionals in the U.S. spend on avoidable issues like conflict resolution, rework and looking for project data costs the industry over $177 billion annually, according to a new report.

The participants surveyed for the report said they spend 65 percent of their time on “optimal” activities like communicating with stakeholders and optimizing resources that keep projects on track. They spend the remaining 35 percent of their time on “nonoptimal” tasks like hunting down project information, resolving conflicts and dealing with mistakes that require rework. That amounts to almost two full working days lost per person each week.

Some of the reasons for the nonoptimal costs include poor communication, constrained access to data, incorrect data and the lack of an easy way to share data with stakeholders. Another possible reason is that more than 80 percent of the survey’s respondents said they don’t use mobile devices to collaborate and access project data, despite the fact that mobile devices could help them work more efficiently.

Newsletter Provided by: Hierl's Property & Casualty Experts

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States Say Contractors Must Guarantee Wages

Maryland’s General Contractor Liability for Unpaid Wages Act becomes effective on Oct. 1, making private contractors for prime construction projects in the state financially responsible for unpaid wages of subcontractor employees. And unless the reason for nonpayment is related to a legitimate dispute, general contractors could be held responsible for up to three times the amount owed, plus attorney fees.

California and Oregon also enacted similar laws earlier this year. In California, general contractors are now liable for the unpaid wages of any employee who furnishes labor to or through them, plus unpaid benefits and interest.

Oregon’s wage protection law creates liability for the general contractor only if the worker’s subcontractor employer has not yet been paid in full.

Mitigating The Risk

In order to reduce the risk of general contractors having to pay their subcontractors’ employee wages, some industry experts are recommending that subcontractors provide their own payment bonds.

Opponents of the recent laws argue that it could be difficult for subcontractors on rocky financial ground to meet bond underwriting requirements. And since large projects could require several new bonds per job, overall project costs could increase significantly. Plus, if subcontractors don’t pay up, prime contractors will have to pay twice for the same labor.


Agriculture Risk Advisor: September/October 2018

3 Tips For Hiring Farm Labor

With some farmers struggling to find reliable farm labor, it is important to invest some thought in the hiring process. Here are some tips for finding the right help:

  1. Examine your needs. You might have a general idea in your head of what work needs to be done, but it’s best to be specific. Narrow down broad processes into specific jobs so you can determine how much help you truly need.
  2. Think about desired traits. Do you need someone to fill a temporary need, or are you hoping that person can go on to fill a managerial role? You’ll have to determine whether people skills are more important than manual labor or machinery skills, and list those traits in your job description.
  3. Consider hiring for a trial period. If you’re hesitant about a candidate but need immediate help, consider hiring them for a short-term trial period. This saves you from high employee turnover while buying you time to recognize your needs. It allows both you and the worker to communicate any frustrations and expectations after the trial period before considering whether the working relationship is worth investing in long term.

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Rise Of Robotics In Farming

Producers are increasingly considering using farming robots to replace human workers who either can’t or aren’t interested in picking crops. Agriculture is a prime market for robotics since it is less regulated than other industries.

Robots Needed To Fill Unwanted Jobs

Farming’s labor crunch is a global problem, and industry experts expect things to get worse in the years to come. Produce growers are struggling to man the fields, and higher wages aren’t persuading people to perform the physically demanding tasks.

According to the Department of Labor, the 2017 median pay for an agricultural worker was $11.41 per hour. In California, farm wages can top $20 per hour. But this is still not enough to attract laborers at a sufficient level.

Advances In Farming Technology

Driscoll’s, one of America’s largest produce distributors, has been testing a robot made by Harvest CROO Robotics, a Florida-based startup. The robot is capable of covering 8 acres in a single day and replacing a team of more than 30 human pickers.

Another emerging farming technology is a “no-touch” vineyard developed by researchers at UC Davis, which waters vines and picks fruit while improving yields, quality and costs. It costs about 7 cents in labor per vine to manage the touchless vineyard, compared to $1 per vine in a conventional vineyard.

Although robotics isn’t expected to steal all of the farming labor jobs, experts believe it could still be a disruptive technology, requiring a change in the way traditional growers operate.


Safety Focused Newsletter: September 2018

Staying Safe When Traveling for Work

Many jobs require employees to travel for work, sometimes even abroad. While this can be a fun experience, staying safe can be much more difficult if you are in an unfamiliar area. To keep yourself safe when traveling for work, remember the following tips:

  • Familiarize yourself with local customs and laws, as you are subject to them while traveling.
  • Avoid hailing taxis on the street when possible. Instead, have your hotel’s concierge service book a reliable driver or car service for you.

Research is essential when it comes to ensuring a successful business trip and maintaining your safety.

  • Keep hotel doors and windows locked at all times. When you arrive, and any time you leave and return to the room, make sure the locks are working.
  • Ensure that your room has a working peephole and use it to verify the identity of anyone visiting your room. If an unexpected visitor claims to be a hotel employee, call the front desk to confirm.
  • Take photos of important documents and information, like your passport and driver’s license, and leave copies at home.

Research is essential when it comes to ensuring a successful business trip. Planning ahead and remaining vigilant can make all the difference.

Ways to Communicate with Peers You Disagree With

In your professional career, you’re bound to have to work alongside people you don’t agree with. For some, this can be a source of stress, particularly if you have to go out of your way to keep the workplace relationship civil.

In these situations, it’s important to know how to interact professionally. Not only will this display a high level of maturity to your co-workers and managers, but it can also help you avoid making a bad situation worse.

To work with peers you disagree with, do the following:

  • Listen more than you speak. Diversity of opinions is important, and allowing yourself the time to process what another person wants can help you understand where they’re coming from.
  • Think before you respond. Choose your words carefully when responding to something you disagree with. Doing so ensures that you can justify your arguments in a sincere, respectful tone.
  • Try to find common ground and avoid dragging others into an argument.
  • Avoid personal insults. Discussions should be civil and focus on workplace issues.
  • Ask questions. Sometimes disagreements come from a lack of understanding. Asking questions in a friendly tone can be a good way to steer a conversation into a more positive direction.

Working with people you disagree with can be difficult, but it’s an important part of most jobs. If you are concerned that you and a peer will never get along, consider speaking to a supervisor.

Newsletter Provided by: Hierl's Property & Casualty Experts

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Safety Focused Newsletter - August 2018

Lower back injuries caused by improper lifting are some of the most common work-related injuries.

Safety Tips for Proper Lifting

Lifting is a common activity in the workplace—an activity that can be potentially dangerous if the proper techniques are not used. In fact, lower back injuries caused by improper lifting are some of the most common work-related injuries.

In order to protect yourself when lifting heavy items in the workplace, do the following:

  • Look over the load. Decide if you can handle it alone or if you need assistance. When in doubt, ask for help. Moving an object that is too heavy or bulky can cause severe injury.
  • Clear away any potential obstacles before carrying an object.
  • Use good foot positioning. Your feet should be shoulder-width apart.
  • Bend your knees. Bending over at the waist to reach for an object you want to lift puts strain on your back, shoulder and neck muscles.
  • Keep your arms and elbows as close to your body as you can while lifting.
  • Use your feet to change direction. Don’t twist your body.

Responding to a Workplace Accident

Accidents in the workplace can occur without warning, and it’s important to respond quickly to help those in need. In some cases, supervisors may not be around to provide the proper response guidance, and it’s up to employees to take action.

The following are some general tips to keep in mind if a co-worker is involved in a workplace accident:

  • Take control of the scene and try to restore order.
  • Call for emergency services if needed. Provide any immediate first aid, if you are qualified to do so.
  • Protect co-workers from potential secondary accidents. You can accomplish this by dismissing unnecessary personnel and denying access to the area.
  • Identify people at the scene. If they witnessed the incident, be sure to make a note of their names, as they can provide a report on what happened at a later date.
  • Notify upper management of the issue.
  • Do not put yourself in harm’s way.

Following an accident, follow up with your supervisor to ensure the appropriate paperwork is completed. Supervisors may require you to file an accident report or further detail what happened.

If you have any ideas of how the accident could have been avoided, share them with your supervisor or at a safety meeting. If your workplace does not have a first responder program in place, it may a good idea to suggest it to your employer.

Trained first-aid responders can provide immediate care to workers who become ill or injured on the job. The quick response and training of these individuals can make all the difference following an accident.

Common First-Aid Kit Supplies

  • Sterile Saline Solution
  • Antibiotic Ointment
  • Gauze and Wraps
  • Scissors
  • Tweezers
  • Disposable gloves
  • Asprin

Newsletter Provided by: Hierl's Property & Casualty Experts

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