Safety Focused Newsletter - October 2018

Avoid Getting Sick at Work

It can be difficult to avoid getting sick at work, particularly if you work in close quarters. While you may not be able to avoid germs altogether, the following tips can help reduce your risk of getting sick:

  • Wash your hands. Germs can cling to many surfaces in the workplace, including elevator buttons, doorknobs and refrigerator doors. To protect yourself from illness, it’s important to wash your hands regularly, especially before you eat or after you cough, sneeze or use the restroom.
  • Keep your distance. Illnesses like the cold or flu can spread even if you aren’t in close contact with someone. In fact, experts say that the flu can spread to another person as far away as 6 feet. If you notice a co-worker is sick, it’s best to keep your distance.
  • Get a flu shot. Yearly flu shots are the single best way to prevent getting sick. Contrary to popular belief, flu vaccines cannot cause the flu, though side effects may occur. Often, these side effects are minor and may include congestion, coughs, headaches, abdominal pain and wheezing.

In addition to the above, it may be a good idea to avoid sharing phones, computers and food with your co-workers during flu season. Together, these strategies should help you stay healthy at work.

Parking Lot Safety Tips

Parking lots are common hazards for drivers and vehicles alike. Slips, falls, auto accidents, theft, harassment and assaults are just some of the risks individuals face while using parking lots.

Even the parking lots and garages at your place of employment can be dangerous. Thankfully, there are simple and effective precautions drivers can take to protect themselves and their vehicles:

  • Park in a well-lit area, preferably one with surveillance cameras and security patrol services.
  • Avoid parking near shrubbery or other areas that could conceal attackers.

  • Park as close to an exit as possible when using garages.
  • Lock your doors when leaving your vehicle.
  • Remain vigilant, and notify security or the authorities if you notice any suspicious behavior.
  • Lock all of your valuable items in your trunk and out of sight. Avoid leaving purses or wallets in your vehicle.
  • Walk confidently when leaving or returning to your vehicle. If you notice a potential threat, proceed to a safe place, like a public building or store.
  • Use the buddy system, and walk to your car with a co-worker.
  • Have your car keys ready when you near your vehicle.

Staying safe can be easy as long as you’re cautious and mindful of your surroundings.

Avoid Slips and Falls in Parking Lots:

Watch Out for Uneven Surfaces, Curbs and Potholes.

Beware of Ice During Colder Months.

Stay in Well-Lit Areas.

Walk, Don't Run.

Illnesses like colds or the flu can spread even if you aren’t in close contact with someone.

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Risk Insights - Attracting and Retaining Commercial Drivers

Commercial fleets need to maintain a workforce of loyal, qualified drivers in order to succeed. But recently, increased demand for freight volume has highlighted an ongoing driver shortage that’s left many motor carriers operating under capacity.

In order to ensure that your business is attracting and retaining talented drivers, you need to evaluate how the shortage may be affecting you and the steps you can take to make your workplace appealing.

What’s Contributing to the Shortage?

The first step when attracting or retaining drivers should be to understand the underlying causes of the driver shortage:

  • Wages—According to the National Transportation Institute, drivers’ wages have lagged behind both inflation and minimum wage increases. Since 2006, for-hire drivers have seen wage increases of 6 percent compared to a 17 percent increase for private fleet drivers. However, inflation and the minimum wage have increased by 18 and 40 percent over that same period, respectively.
  • Age—The average age for a commercial driver is 55, according to the Bureau of Labor Statistics. More drivers are retiring every day, and a federal law that prohibits drivers under the age of 21 from obtaining intrastate commercial driving licenses makes it difficult to attract younger replacements before they enter another industry.
  • Lifestyle—Commercial drivers often operate over long hours without breaks and are frequently away from home. Many motor carriers also assign new drivers to long or isolated routes, which can make open positions unappealing to prospects.
  • Growing economy—As the U.S. economy continues to grow, increased demand from retailers has led to record demand for trucking capacity, putting a strain on available drivers.

In-house Adjustments to Attract Drivers

Before you consider changing your pay models or workplace benefits, there may be some operational changes you can review to attract or retain drivers:

  • Offer flexible scheduling. Many prospective drivers are afraid of being away from home for long periods of time, and giving them the option to work closer to home can make your business more appealing.
  • Consider new fleet management procedures or technology to help reduce your drivers’ average length of haul. Although you want to keep your drivers on the road frequently to increase your capacity, reducing the average length of haul can help drivers improve their health and manage the balance between their work and home lives.
  • Adjust training programs to target other departments or industries. Prospective drivers may be intimidated by the amount of experience or legal requirements needed to obtain a commercial driver license. Simply adjusting your training programs can help your business integrate drivers from outside the industry.


Increased demand for freight volume has highlighted an ongoing driver shortage that’s left many motor carriers operating under capacity.


Wage Considerations

One of the most effective ways to appeal to drivers is to increase wages. Although this can be done by simply giving drivers a set raise or bonus, there are alternative payment models and other considerations to keep in mind:

  • Bonuses—Many carriers now offer staggered bonuses that incentivize retention, such as $10,000 bonus that’s split into payments after a driver has worked for 30 days, 90 days and six months. However, some experts believe that these bonuses may also cause drivers to leave once they’ve collected all of their payments.
  • Hourly pay—Drivers aren’t frequently paid by the hour because it’s hard to prove when they’re on duty. But now, tracking technology like GPS and electronic logging devices can make it easy for carriers to know when their drivers are on the job.
  • Flexible models–Many businesses have started to incorporate multiple pay models into their operations to accommodate drivers. For example, drivers who are paid by the mile earn very little when slowed by traffic or unloading. Now, tracking devices can detect legitimate delays and switch to a different pay model during that time in order to make long or congested routes more appealing.

When considering raises, bonuses or other pay models, keep in mind that your drivers’ wages could impact your liability or workers’ compensation rates. Contact us at 920-921-5921 for more help addressing your specific concerns.

Workplace Benefits

Another way to make your business appealing to talented drivers is to offer a competitive benefits package and create a positive work environment. Besides 401(k) investment matching and comprehensive medical coverage, you should consider the following:

  • Paid time off to allow drivers to visit home or take a break while still making an income
  • In-house programs that reward successful drivers with priority at service stations, pay bonuses or new equipment
  • New equipment and vehicles to make drivers’ day-to-day operations easier and attract tech-savvy applicants

Additionally, an emphasis on respect can help your business attract and retain drivers. Experts believe that drivers may be turned away from the transportation industry due to a perceived lack of respect for the long hours they put into their jobs. Make sure to show drivers they’re respected by paying attention to their feedback, recognizing their accomplishments and staying involved in their personal and professional lives.

Finding Consistent Success

The driver shortage isn’t going away anytime soon, and you need to constantly review your operations to ensure you’re attracting and retaining a talented workforce. Get in touch with Hierl Insurance Inc. today for more resources on driver training, legal requirements and transportation-specific news.


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.


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.


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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Construction Risk Advisor - July 2018 Edition

DATA SCIENCE TO BOOST EFFICIENCY AND SAFETY


In order to improve worker safety and boost efficiency, about 20 construction companies have launched data science initiatives over the past few years.

One of those pioneers is a Boston-based company whose data scientists have developed an algorithm that analyzes photos from its job sites and then scans them for safety hazards. The algorithm then correlates those images with its accident records.

Although the technology still needs some fine-tuning, the company hopes to use the algorithm to rate project risks. As a result, the technology could prove extremely helpful in detecting elevated threats and then intervening with safety briefings.

Combining the data collected from these efforts could also be used to forecast project delays. Although data science is somewhat new to construction, a recent McKinsey report said that firms could boost productivity by as much as 50 percent through real- time analysis of data.

Newsletter Provided by: Hierl's Property & Casualty Experts

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AVOIDABLE ESTIMATION MISTAKES IN CONSTRUCTION


In the past three years, only 31 percent of construction projects came within 10 percent of their budgets, according to RSMeans, a provider of construction cost information. Completing projects within budget is a constant challenge for many contractors. Here are five estimating mistakes to be aware of, along with best practices to combat them.

1. Unrealistic expectations—Don’t rely on ideal orworst-case scenarios, which can lead to impractical estimates. Find the middle ground to avoid setting expectations too high and blowing timelines.

2. Flying solo—Don’t be afraid to use outside data sources from a credible third party. Create a realistic estimate by including a combination of your own historical data and their custom data.

3. Lack of or wrong permits—If you lack permits or have the wrong type, work can come to a standstill. Factor proper permits into your estimate, as well as their corresponding costs.

4. Unclear parameters—Parameters must be established clearly at the onset of each project.Make sure you clearly understand your clients’limitations and restrictions before creating an estimate to avoid unnecessary change orders.

5. Missing details—A lack of knowledge, missing items or generalized task descriptions can lead to estimates that are too low. Take the time to account for all necessary materials, labor and equipment by referencing similar work done in the past or detailed cost data from a third party.


Safety Focused Newsletter - July 2018

Back Strain: A Workplace Risk for Every Employee


Back injuries are common in the workplace and are typically the result of a strain or sprain to back ligaments or muscles, the spinal cord, thoracic spine, lumbar spine, sacrum or coccyx. What’s more, you don’t need to work in a manual labor-intensive job to experience back problems. Employees of all kinds can maintain back health by keeping these tips in mind during their workday:

  • Take small breaks throughout your workday and stretch regularly.
  • Manage your stress level to reduce discomfort and back pain.
  • Exercise and stay active to reduce your chances of developing back pain.
  • Adjust your posture frequently.
  • Position your desk chair so your feet are flat on the floor.
  • Lift with your knees, and keep what you are lifting close to your body. Ask a co-worker to assist you when performing tasks that require heavy lifting, pushing, pulling or throwing.
  • Drink enough water and eat a healthy diet. This helps keep your spinal discs hydrated and healthy.
  • Watch where you walk. Many back strain injuries are the result of involuntary motion, like an attempt to recover from a slip.It may also be a good idea to work with your manager to plan your working hours in a way that helps you avoid long periods of repetitive work.

EMPLOYEES DO NOT NEED TO WORK IN THE CONSTRUCTION INDUSTRY OR A MANUAL LABOR- INTENSIVE JOB TO EXPERIENCE BACK PROBLEMS.

5 WAYS TO IMPROVE COMMUNICATION

  1. AVOID CLICHÉS
  2. BE BRIEF
  3. BE SINCERE
  4. AVOID ARGUMENTS
  5. ALLOW OTHERS TO RESPOND WITHOUT INTERRUPTION

How Employees Can Improve Workplace Communication


Communication is key in all aspects of life, but especially in the workplace. Without good communication, employees and productivity can suffer.

However, there are things you can do to establish better communication and improve the way things are done at your workplace. When it comes to interacting with your co-workers, keep in mind the following:

Make sure you are being clear and concise.

This applies not only to face-to-face conversations, but also to emails and all other types of communication. Your messages should be complete and include everything you want to convey.

Listen carefully. Don’t respond to what someone has said—aloud or in your head—until they have finished speaking. If you start thinking about a response before your co- worker has gotten their message across, you could miss important pieces of information and derail the conversation.

Summarize what you’ve said. After you’vegiven a long-winded speech or written an extensive email, go over the basic, most important points. This will help refresh yourlistener’s memory and potentially weed outopportunities for miscommunication.

Make meetings meaningful. Schedule a meeting to elaborate on complex tasks and make the most of scheduled time. Don’tstray from the topic, and keep conversations productive.

Follow up in writing. No matter how compelling a meeting or conversation was, it’s likely that people will not remember everything that was shared. For important matters, follow up with an email that highlights key takeaways from the conversation or meeting.

Above all, it’s important to be mindful ofyour body language and tone when you communicate. Together, these strategies ensure clear, effective correspondence.

Newsletter Provided by: Hierl's Property & Casualty Experts

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