An Ounce of Prevention is Worth a Pound of Cure
This old adage reminds us that it’s always better to take reasonable precautions to prevent a crisis, versus having to spend a lot of time and effort fixing the problems created after it has occurred. Prevention is the proactive side of insurance that is often neglected and sometimes even forgotten. We can easily become so involved with “the cure (insurance premiums, rates, claims and coverage), that we forget the very important loss prevention strategies that are so beneficial. Insurance is absolutely necessary, and in some cases statutorily required; however, the preventative measures can be easily achieved and help to reduce risk and ultimately costs for our businesses.
Many businesses have some level of preventative programming; however, a PEO partnership with Oasis Outsourcing gives you another source of help and information for loss prevention strategies. We can work with you to help with special programs and certifications that you may need to maintain your own industry safety standards. These preventative efforts are well worth it in terms of reduction of claims and in passing the dreaded OSHA inspection, for example. Often times, simply focusing on the details of the work environment will be the bulk of what you need to help in the prevention of claims.
Oasis Outsourcing’s Risk Management Team focuses on Workers’ Compensation Insurance and Employee Safety for our clients. In almost all situations, programs that apply to employee safety in your workplace also apply to customer safety on your premises for general liability loss prevention. Below are some workplace safety tips that all clients should be concerned about regardless of your industry or how risky the tasks that your employees perform. To help maintain a safe workplace, ensure that:
- Walkways are clear of furniture, equipment, etc.
- All employees are trained and supervised in their daily tasks, including office ergonomics
- All fire exits and extinguishers are clearly marked and working
- Floors are not wet, slippery, or uneven • Equipment and machinery are maintained
- All office furniture is sturdy and secure • Entire workspace is clean and well ventilated
- Building is accessible and meets all building code specifications
- Employees don’t work alone or have to leave in dark areas
It is also a good idea to designate one person at each location to be the keeper of these general safety guidelines. This employee would point out problems with work space, physical work flow, equipment, machinery, floors, doors and furniture if they should arise. This employee becomes extremely valuable in emergencies, fire and evacuation drills, and training for all employees.
Another area of help with loss prevention, that is often not considered, is our Human Resources Department. Many claims, including fraudulent ones, can be prevented with good hiring practices. Some claims happen simply because employers are not careful to match potential employees and their experiences with the job requirement.
For additional help on the topic of keeping your workplace safe, visit these websites: