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We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

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From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

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Health & Life Insurance

Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

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Injured workerThe Department of Labor provides specific guidelines for companies to follow regarding safe employee conditions. The Occupational Safety and Health Administration (OSHA), one of its departments, offers specific guidelines on falls, for example. Falls are one of the most common types of injuries on job sites. Yet, many times, prevention is possible.

As a business owner, your goal is to create a safe workplace. To do this, know the risks present. Your business insurance and workers' comp insurance are two parts of that safety net. Let’s explain.

Why Does Fall Protection Matter?

Falls in the workplace are common. OSHA states they are one of the most common reasons that people suffer injuries at job sites. This includes numerous fatalities. It is your job to make sure your location is safe for employees. The goal here is to prevent falls from occurring. Simple steps can help to make that possible.

What Can You Do to Prevent Falls?

It is important to look at your location carefully. Every location has some type of protection possible. Take steps to minimize risks. Here are some guidelines to consider.

  • If there is any type of floor hole present, guard it. Do this with railings and toe boards. Use a cover over the hole.
  • The use of safety harnesses is important in some situations. OSHA guidelines require workers to use safety harnesses whenever they leave the ground. This includes harnesses and lines, as well as safety nets.
  • Handrails and stair railings are critically important. Any time an employee must climb steps, these need to be in place.
  • Be sure work conditions are safe, too. This includes removing any type of danger possible.
  • Keep workspaces free from clutter. Remove debris from floors. Be sure floors remain as dry and clean as possible. This helps avoid slips and falls.
  • Ensure all employees have protection from equipment. If an employee can fall into or onto any equipment provide safeguards to minimize this risk.
  • Provide workers with proper training. Be sure they follow safety requirements. Train for safety specifically.

In business insurance policies, a workers' compensation plan is critical. It provides financial protection to you for worker injuries on the job. Your business insurance policy may include provisions for visitor falls and risks, also. However, for employees to have coverage, you need a workers' compensation plan. Discuss this need with your insurance agent before you need to make a claim.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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