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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.
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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.
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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.
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Every May, the NHTSA and state governments come together to coordinate Motorcycle Safety Awareness Month, which strives to spread awareness about motorcycle laws and education designed to keep everyone on the road safe. The number of deaths and injuries caused by accidents involving motorcycles is staggering, and many of these are caused by non-motorcycle users of the road. It’s important to understand safety issues facing motorcycles in traffic, regardless of whether your vehicle has two wheels or more. Below is a list of safety tips you should familiarize yourself with before your next ride:
- Always wear a DOT-compliant helmet while riding. You are much more likely to experience severe brain damage caused by head trauma in a crash if you are wearing a non-compliant helmet.
- Wear brighter, more reflective gear, especially while traveling at night, and make sure your lights are functioning, bright, and visible (unblocked).
- Lane splitting may help save time and avoid getting rear-ended in heavy traffic, but it can also be very dangerous and illegal. If you’re going to filter forward, make sure it is done safely, with courtesy, and only where it is legal.
For Other Road Users:
- Because motorcycles are smaller than cars and trucks, they can be more difficult to spot, especially in blind spots. Always check your blind spots & mirrors, use your turn signals, and use extra care when you know motorcycles are nearby.
- Give more following distance to motorcycles. This gives motorcyclists room to perform emergency stops or maneuvers for road hazards like gravel, potholes, standing water, cracks, or train tracks that passenger vehicles can usually continue over at reduced speed.
- Share the road with motorcyclists, but not the lane. Motorcyclists should always get a full lane width, even if it may look like there is room for a car.
- Never operate any vehicle while under the influence of drugs or alcohol.
- Leave the phone in your pocket and just focus on the road. Distracted driving is a leading cause of accidents for motorists, cyclists, and pedestrians alike.
- Take time to rest during long trips so you stay alert, awake, and ready for the road ahead.
You can learn more about Motorcycle Safety Awareness Month at the NHTSA’s website.
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Once all of the snow melts and the temperatures begin to rise, it’s always a good idea to conduct a bit of spring cleaning. And while you and your family are dusting around the house and donating old clothes, it is also a good idea to review your current insurance policies and make sure their coverages are still adequate. If you have recently made improvements to your home, bought an expensive piece of jewelry, or plan on going somewhere for vacation this summer, now is a good time to talk to your agent to ensure you’re fully covered. The Insurance Information Institute has a quick spring cleaning insurance coverage checklist to help you decide if your policies need a bit of spring cleaning this year. You can view the list here.
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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.