(Photo Credit: Department of Homeland Security)
Sponsored by the Federal Emergency Management Agency (FEMA) and the Department of Homeland Security, National Preparedness Month is observed annually during the month of September. The initiative aims to drive education and awareness surrounding disaster preparation and to encourage citizens to take steps that will prepare them for disasters at home, work, school, or while away. Knowing what to do in the event of an emergency can save time and lives.
Know What To Plan For:
While certain types of emergencies, such as fires, thunderstorms, heat waves, and power outages can occur just about everywhere, your preparedness plan should be tailored to the types of disasters specific to your geographic location. For example, people living in areas where hurricanes or flooding are common will have a different evacuation or preparedness plan than people who live inland. Businesses along active fault lines should be retrofitted for earthquake protection and be prepared to suspend operations for extended periods of time if an earthquake takes place. And those living near nuclear power plants should be aware of what to do in case an emergency alert is activated.
Make A Plan:
A comprehensive emergency preparedness plan will incorporate a list of important info (contact, medical, etc.) for family members or coworkers and contact info for various people/places such as hospitals, doctors, schools, or caretakers. The plan will outline things such as evacuation protocol, where to find emergency supplies and equipment, and disaster specific info (how to prepare a home for a hurricane, where to shelter for a tornado, the location of life jackets, etc.). Keep adequate supplies, emergency and medical equipment, and cash on hand. An outline on how to create an emergency plan can be viewed here.
Your plan should include contingencies for what may arise based on the type of emergency. For example, during a power outage, you may not be able to receive alerts on TV or your cell phone. Gas, water, or food shortages may happen during events such as a mass evacuation. Make alternative evacuation routes in case of traffic, blocked roads, or flooding. Around the home or office, it’s important to know where every fire extinguisher, AED, first aid kit, and emergency exit may be in case access to the nearest one is blocked. Think of the potential issues that may arise for each type of emergency.
Communicate The Plan:
Whether it’s for home, work, or elsewhere, a disaster plan is only effective if everyone who may be involved is informed. At home, this will include all members of the household as well as a babysitter, neighbor, or a nearby relative who may be an emergency contact. Include emergency contacts out of town as well, if an evacuation is ordered. Having all members of the plan informed of what to do helps save time and avoid confusion in times of panic and dangerous conditions.
Run Practice Drills:
Once everyone understands their role in the emergency plan, the next step is to practice and test the plan. Simulating a real emergency, such as an incoming hurricane, will help members of the plan become more familiar with their responsibilities and identify any potential issues or conflicts. Run practice drills for each type of major emergency that you can expect in your area.
Review The Results:
After running your practice emergency drill, review the results with your team. Identify any bottlenecks, shortcomings, and/or vulnerabilities (single points of failure) that the plan may present and come up with solutions to these issues. If needed, rerun the drills and reassess the results, keeping in mind that the conditions present during the practice drill will probably be different during a real emergency.
To learn more about creating your own emergency preparedness plan, visit the Department of Homeland Security’s Ready.gov website.
(Photo Credit: Jared Bartlett)
When they are used correctly, fire extinguishers can save both lives and property, but many adults do not know how to properly use one. It is important to know how fire extinguishers work, how to use them, how to identify which type to use, and how to maintain them before a fire takes place.
Before Using an Extinguisher
While it is necessary to act quickly in the event of a fire, education also goes a long way in fighting hostile fires. Knowing what to do in an emergency before it happens will help make firefighting quicker and safer:
- Pull the alarm – If you see a fire, always activate the fire alarm to alert both the occupants of the building as well as the fire department (call 9-1-1 if your alarm system doesn’t do this automatically).
- Plan an escape route – if you plan on fighting the fire, know how to leave the area quickly in case the fire gets out of control. Only fight the fire if you have a clear escape route.
- Know how to use the extinguisher – take time to learn how to properly aim, sweep, and extinguish a fire; many offices and companies have annual employee safety trainings which include fire extinguisher exercises.
- Assess the size of the fire – fire extinguishers are only meant to put out small, single-location fires; never attempt to put out a large conflagration with a handheld extinguisher.
- Determine the fuel source – it is important to know what kind of fire is burning before you use an extinguisher – using the incorrect extinguisher can be extremely dangerous – by spreading the fire or causing flare ups. For example, using a water-based extinguisher can spread an oil fire or electrocute a user fighting an electrical fire, and Carbon Dioxide extinguishers can actually fuel certain types of fires.
Types of Extinguishers
A fire’s fuel source will determine what type of fire extinguisher needs to be used to extinguish it. In the United States, there are five classes of fires as defined by the National Fire Protection Association:
- Class A – Common combustibles such as wood, paper, most plastics, rubber, and fabric. Symbols: Triangle with letter A and picture of burning wood/trash can.
- Class B – Flammable liquid such as gasoline, oil, paint, and kerosene. Symbols: Square with letter B and picture of burning gasoline jerry can.
- Class C – Electrical fires and electrical equipment. Symbols: Circle with letter C and picture of burning electrical plug and socket.
- Class D – Combustible metals such as lithium batteries, sodium, magnesium, and potassium. Symbol: Five-Pointed Star with letter D and picture of burning machine gears.
- Class K – Cooking oils and fats such as vegetable oils, margarine, butter, animal fats, and grease. Symbol: Hexagon with letter K and picture of pan/pot on fire.
Each class is marked on an extinguisher by both a letter (class letter), and a symbol. Most homes and offices contain multi-purpose “ABC” extinguishers which can be used for those three classes of fire. The contents of fire extinguishers vary depending on the class of fire being put out. Some materials can put out multiple classes of fire, while others are used for only a specific class. These include dry chemicals, foams, Carbon Dioxide, halon gases, compressed water, and pressurized metal based powders. It is important to know what is in your building’s extinguishers so they do not cause more damage than necessary (especially when used around electronic equipment). It is also important you never use the incorrect class of extinguisher as it may exacerbate the fire.
Using an Extinguisher
When using an extinguisher, remember the acronym “PASS”, which stands for, Pull, Aim, Squeeze, and Sweep. Stand between 6 to 8 feet away from the fire and:
- Pull the safety pin to release the trigger.
- Aim at the base of the fire (where the fuel source is).
- Squeeze the trigger continuously until the spraying stops.
- Sweep from side to side until the fire extinguisher is empty.
An average size fire extinguisher dispenses its contents within 8 to 10 seconds – if the fire does not disappear, leave the area immediately.
Fire extinguishers need to be routinely checked for adequate pressure and cleanliness.
- Make sure there is no visible rust or dents on the extinguisher and the handle/trigger are clean and free of dust and debris.
- Fire extinguishers should always be kept in easy to reach, clearly visible (and marked with signage), unobstructed places, evenly distributed among floor plans and throughout multiple floors of a building. Keep in mind the typical hazards located around the building – keep Class K extinguishers near the kitchen, Class C extinguishers near the computer room/server room, and class A extinguishers near the dumpster.
- Depending on the type of chemical/gas used, the fire extinguisher will need to undergo hydrostatic pressure testing by a professional on a varying schedule: between 5 years for wet contents, CO2, & foams, and up to 12 for halon gases, dry powders, and dry chemicals.
- Extinguishers exposed to elements such as vibrations, extreme heat or cold, or ones stored on vehicles should be inspected/tested more frequently.
- Regular maintenance such as visual inspections, cleanings, and pressure checks should be done every month.
- In areas with many kids and teenagers, fire extinguishers should be kept in protected cabinets (where glass must be broken or an alarm sounds if opened) to deter vandalism.
While fire extinguishers can be the first line of defense against a fire, they have their limitations. Never use a fire extinguisher without training and only use it to combat small fires. Handheld extinguishers are ineffective against conflagrations, so the best course of action when confronted with a large fire is to leave the area immediately and wait for the fire department from a safe distance. Most importantly, always activate the fire alarm and if for any reason you cannot fight the fire, leave the area at once; you can replace property, but you can’t replace lives.
“Choosing and using fire extinguishers.” U.S. Fire Administration, FEMA, 29 Dec. 2016, www.usfa.fema.gov/prevention/outreach/extinguishers.html. Accessed 10 Mar. 2017.
(Photo Credit: Fotolia)
Slips, trips, and falls also known as STFs, are some of the leading causes of injury in the workplace. In the United States, nearly 50,000 people are injured and almost 600 more are killed in fall-related incidents at work. These injuries result in lost productivity, pain & suffering, lawsuits, and increase healthcare and insurance costs. To help reduce your risk of STFs on the job, follow these safety tips:
Inside the Workplace:
- Keep hallways and corridors clear of obstacles and clutter
- Never place any objects in front of emergency exits, especially furniture
- Install handrails on both sides of all stairwells
- Keep cords, wiring, and cables clear of walkways
- Perform routine inspections to identify any dangerous conditions, repair any hazards immediately, and record the details of any incidents that take place
- Place wet floor signs on wet surfaces (entryways after snowstorms, freshly mopped floors, spill areas, etc.)
- Remove debris and objects such as loose papers, books, boxes, etc. from floors, walkways, and stairs
- Use non-skid rubber mats to keep rugs from slipping
- Do not place furniture within walking routes
- Use child safety gates at the tops and bottoms of staircases to prevent children from falling down the stairs
- Only use ladders on a solid, dry, and even surface
- Always face the ladder when climbing up or down
- Maintain three points of contact at all times (e.g.: Two feet, one hand/one foot, two hands)
- Never lean or over reach over the sides of the ladder – reposition the ladder if necessary
- Use tool belts – do not climb with tools in hand
- Do not use ladders outside in windy or rainy conditions
- Do not use chairs, tables, cabinets, etc. as ladders
- Keep in mind the weight limit and use duty for each ladder
- Repair cracked or split walking surfaces immediately
- Make sure parking lots, walkways, and doorways are adequately lit
- Point downspouts away from walking surfaces
- Keep walkways/driveways/parking lots clear of snow and ice
- Clearly mark steps, gaps, ledges, and other hazards
- Ensure all steps have handrails, and all ledges have railings
Taking these steps can help reduce or prevent slips, trips, and falls from occurring at your workplace and reduce the chances of injuries and costly lawsuits.
“Slips, Trips and Falls.” National Safety Council. National Safety Council, 2016. Web. 27 Feb. 2017. http://www.nsc.org/NSCDocuments_Advocacy/Fact%20Sheets/Slips-Trips-and-Falls.pdf.
(Photo Credit: Uber Technologies, Inc.)
Ride sharing programs (Transportation Network Companies) such as Uber and Lyft have transformed how people get in and around cities. The idea is pretty simple. Using a smartphone app, riders can easily connect to a TNC driver to provide an alternative to traditional taxis and black cars that is convenient, competitively priced, and powered by private car owners. Chances are, you’ve probably either used or at least heard of these services.
It all sounds easy enough, but the concept is not without issues and controversy. One of the biggest issues is how traditional personal auto policies do, or more importantly, do not provide insurance protection when they are being used in a ride sharing program.
In Massachusetts and New Jersey, Personal Auto policies generally exclude coverage for accidents arising out of driving passengers for a fare, known as livery. TNCs do offer insurance plans for drivers when there is a fare in the car. When there is no passenger in the car, but the driver is waiting for a fare, there is a potential significant gap in coverage.
In addition, if an insurance company finds out you are driving your car for a TNC, they may cancel your Personal Auto coverage because of this expanded use. If you plan on driving for a ride sharing (TNC) service, you should talk to your independent agent and learn what you need to do in order to be properly insured and protected
You can read about the full insurance and non-insurance requirements for TNC vehicles and drivers on the Massachusetts Legislature’s website.
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Plumbing fixture failures and faulty installations are a leading cause of interior water damage in homes and businesses. Even in the warmer months, when frozen pipes are not a threat, costly losses can arise from what would appear to be simple plumbing problems. Minor leaks and clogs should be taken care of properly as they may be signs of more serious issues.
If a pipe, appliance, hose, or fixture contains running water, it needs to be properly maintained to prevent any water related losses. The list below contains the places where failures are most likely going to happen if not kept in working order.
Clogs and overflowing toilets made up 33% of all toilet failures that led to water damage. The valves and flushing mechanism of every toilet in your building should be inspected every six months to ensure they are working and show no signs of wear. The shut off valve should be easy to turn and the supply line should be able to be turned off as well.
Drains & Pipes
Banging pipes, increased water bills, rust stains, and moisture on walls and floors are all signs of plumbing and drain problems. Keep drains and pipes clear of obstructions, and never pour grease down a drain. Have a backflow prevention system installed in your sewer connection if your home or business is located downhill or below street level. For an extra security measure, have a house leak detection system installed.
Failure of the hose which supplies water to a washing machine is a leading cause of water damage. The hose should be replaced if there are cracks or blisters, and/or if the tubing appears worn. This should be done every five years or when the situation merits. If you are planning on vacating the building for a long period of time, turn off the water supply valves. When doing the laundry, do not overload machines and only use detergents designed for this type of use.
Like any piece of equipment, age is an important factor in the odds of a mechanical failure. Even with proper maintenance, water heaters need to be replaced after they reach their life expectancy (typically around 10 years – check your manufacturer for model-specific information). In addition, water heaters should be inspected by a plumber every year for broken valves, loose joints, and rust.
You can learn more about how you can prevent plumbing systems from causing water damage to your building by accessing the IBHS’s website.
“Plumbing Archives – IBHS.” IBHS. Insurance Institute for Business & Home Safety, 2016. Web. 13 Dec. 2016.
(Photo Credit: Fotolia)
Every winter, many people are injured when they slip and fall on icy sidewalks, driveways, and parking lots. These injuries can range from minor bumps and bruises to broken bones and head injuries. Whether you’re a property owner/manager or just going for a walk outside, there are some things you can do to help prevent injury to yourself or others when the pavement gets slippery.
For Property Owners/Managers
- If you don’t have access to a snowblower or a plow, shoveling walking surfaces early and often during heavy storms will make the job easier and less stressful on your body. While shoveling, drink plenty of water and take breaks.
- Make sure entrances and vestibules are kept dry or wet floor signs are present when water and slush are tracked into a building.
- Check your local municipal government’s website to see if there are laws or ordinances regarding snow removal deadlines to avoid fines or citations.
- Be mindful of the type of salt/de-icer you use on your driveway/walkway and apply only the recommended amounts as indicated by the manufacturer. Certain kinds are harmful to plants, animals, water supplies, and may even damage the surface itself.
- Grit, such as sand, kitty litter, and gravel can help provide extra traction on stairs and sidewalks, especially when combined with salt or de-icer.
- Lock all gates, doors, and fences leading to restricted or unused outdoor areas (such as bar or restaurant patios) to prevent trespassers and unauthorized visitors from slipping on untreated surfaces.
- Risk Transfer – if you’re using a contractor to clear snow and ice from walkways, driveways and parking lots, make sure you have a signed contract with contractor assuming responsibility for this exposure and you are named as an Additional Insured on the contractor’s GL policy covering this operation.
- Move slowly and try to keep your steps flat to the surface to avoid slipping on icy or wet areas.
- Wear shoes or boots with plenty of traction. If the soles of your footwear are smooth or worn, they are more prone to losing grip on slippery surfaces.
- Black ice may form when the temperature drops suddenly after a storm. Be especially careful walking outside after the weather has been cold and wet.
- Watch out for traffic. Icy conditions for pedestrians mean icy roads for motorists who may lose control of their vehicles if they’re not careful.
Icy and untreated sidewalks are dangerous and can leave your home or business vulnerable to a injury claim or lawsuit. Following these tips can help mitigate your risk of being liable if someone slips and falls.
(Photo Credit: Google Maps)
It is easy to understand how an unoccupied office, building, or apartment could seem harmless from the perspective of the insured. Many business owners operate remotely and maintain vacant property in other locations. Vacant properties however, can present a surprising number of challenges if not properly monitored.
Property is considered vacant if less than 31% is occupied. Because of the lack of owner or tenant presence, vacant properties are more likely to experience damage and are prone to criminal activity.
Property that has been vacant for 60 consecutive days before the loss may not be covered by an insurance claim if the following events occur:
- Sprinkler leakage (resulting from unprotected pipes)
- Glass breakage
- Water damage
- Theft or attempted theft
In addition, other covered causes of loss are reduced by 15% for vacant but insured property.
Consider taking steps to ensure that your vacant commercial property is secured and protected from loss that may occur in an owner’s absence. There are ways that both tenants and property owners can reduce the risk associated with unoccupied building space for extended periods of time. Properly setting the thermostat, or using a remote climate controlled system, and turning off the water supply when not in use prevents leaks, cracks, and water damage. Ensuring that ice dams are prevented and gutters cleaned out also helps reduce possible damage. Installing an alarm system and providing lighting around the perimeter discourages burglary, theft, and glass breakage.
(Photo Credit: Fotolia)
Many businesses underestimate the potential risk involved with not having employment practices liability insurance (EPLI). Having a code of conduct and expertise in human resources helps mitigate most forms of unlawful employment practices, but incidents can and do still happen. Every business is exposed to employment practices liability, an area of professional liability that includes:
- Breach of Contract
- Sexual Harassment
- Invasion of Privacy
- Wage/Hour Law Violations
- Intentional Emotional Distress
- Wrongful Termination
- False Imprisonment
The laws regarding these illegal practices are interpreted and enforced by the Equal Employment Opportunity Commission (EEOC), which recognizes eleven types of employment practices discrimination: age, disability, equal pay/compensation, genetic information, national origin, pregnancy, race/color, religion, retaliation, sex, and sexual harassment.
Employment practices don’t deal with just full-time employees either. Volunteers, part-time workers, contractors, customers, and vendors can all file charges against an employer for an alleged violation of these laws. With these types of charges on the rise, it is important for business owners to fully understand the laws surrounding employment practices as well as the tools needed to best protect them from potential lawsuits. For more information about employment practices liability, visit our Employer Protection resource page.
“Laws Enforced by EEOC.” U.S. Equal Employment Opportunity Commission. USA.gov, n.d. Web. 16 May 2017.
“Discrimination by Type.” U.S. Equal Employment Opportunity Commission. USA.gov, n.d. Web. 16 May 2017.
(Photo Credit: Mutual Boiler Re)
U.S. businesses lose $150 billion annually due to blackouts and weather-related events. Most commercial businesses today have emergency generators, which is an important first step. But it’s important to make sure the generator has been properly installed, and to perform routine maintenance, as illustrated by the infographic above (click to view full version).
(Photo Credit: IBHS)
Pipes that freeze and burst can result in extensive property damage. Once a pipe freezes, continued expansion and freezing causes pressure to build up in the pipe between the blockage and the faucet. This pressure causes the pipe to burst in areas where little or no ice has actually formed. Here are some precautions to help avoid frozen and burst pipes and water damage.
- For pipes most vulnerable to freezing—in attics, crawlspaces, and outside walls—insulate with foam sleeves or wrapping.
- Caulk cracks and holes in outside walls and foundations to keep cold wind away from pipes.
- Purchase a backup generator to keep your furnace running when power fails.
- Know where to turn off the water supply or water pump.
- Drain outside faucets and use insulated faucet covers (found at home improvement stores).
During periods of severe cold:
- Keep cabinet doors open to let the warm interior air circulate around pipes under sinks and adjacent to outside walls.
- Turn on all faucets to a slow drip to prevent pressure from building in the pipes.
Before leaving for an extended period of time:
- Set the thermostat no lower than 65 degrees.
- Ask someone you trust to check the property while you’re away.
- Consider turning off the water and draining the system. Shut off the main water valve and turn on every water faucet—hot and cold—until the water stops running. You can then shut off the faucets since there will be no water, and therefore no pressure, in the system. When you return, turn on the main value and let faucets run until the system is full and pressurized.
- Consider installing a temperature-monitoring device or using an app on your smartphone.
My Pipes Froze. Now What?
Turn on all faucets to release pressure. Turn off the water supply and call a plumber. Do not try to thaw the pipe using an open flame, as this will cause damage to your pipe and may cause a building fire. You might be able to thaw the pipe with a handheld hair dryer but do so slowly to avoid super-heating any adjacent wood and creating a fire hazard. Start at the faucet end of the pipe, with the faucet open. Never use electrical appliances while standing in water as you could get electrocuted.
For additional information on preventing or dealing with frozen pipes you can read more from the Insurance Institute for Business & Home Safety.