- Added or changed locations or changed property values
- Added employees, drivers, vehicles, or equipment
- Changes to business structure
- Changes in inventory or operations
- Changes to corporate structure
- You rent, lease, or borrow any equipment
- You have a substantial change in sales or payroll
- You obtain any high-value items
- Any other changes, additions, or deletions of any kind that could potentially affect your insurance coverage
- Data breaches due to exposure, theft, or illegal hack. Covered costs often include notification expenses, credit monitoring, court defense costs, fines and penalties, and other loss resulting from online theft.
- Business interruption loss reimbursement due to a cyber attack
- Forensic support
- Intellectual property rights
- System failures
- Data loss
- Computer fraud
- Funds transfer loss
- Cyber extortion
- Liability arising from website content
Safety & Risk FAQs
- Designate a Safety Person.
- Create a consistent training program for all employees, including supervisors and managers.
- Perform self-inspections and mock OSHA audits.
- Conduct routine safety meetings to communicate about recent exposures and hazards.
- Use checklists to evaluate the workplace and job sites.
- Report and log any illnesses and injuries.
- Education – be aware of safety goals and practices
- Encouragement – be enthusiastic about safety
- Engineering – develop and implement safety measures
- Enforcement – reinforce compliance
- Evaluation – set expectations and identify necessary changes
- Management Commitment and Employee Involvement – The manager or management team leads the way by setting up the policy, assigning and supporting responsibility, setting a positive example and involving employees.
- Worksite Analysis – The worksite is continually analyzed to identify all existing and potential hazards.
- Hazard Prevention and Control – Methods to prevent or control existing or potential hazards are administered and maintained.
- Training for Employees, Supervisors and Managers – Managers, supervisors and employees are trained to understand and deal with worksite hazards.
If you business has 20 employees, you have to submit the OSHA 300A electronically.
Report to OSHA (ADOSH in Arizona) within 8 hours of the incident if it is a work-related fatality.
- Any work-related fatality (must be reported within 8 hours). Any work-related injury or illness that results in loss of consciousness, days away from work, restricted work, or transfer to another job.
- Any work-related injury or illness requiring medical treatment beyond first aid.
- Any work-related diagnosed case of cancer, chronic irreversible diseases, fractured or cracked bones or teeth, and punctured eardrums.
- There are also special recording criteria for work-related cases involving:
- Maintain a safe workplace compliant with standards and free from serious hazards.
- Routine examination of workplace conditions.
- Provide safe tools, equipment, and proper maintenance for them.
- Establish safety and health requirements and communicate updates.
- Post employee rights and responsibilities in a prominent location.
- Train employees on how to recognize hazards and what they can do to minimize the hazards.
Go to our training calendar for a complete list of upcoming trainings and events. You can register for any event directly through the calendar as well.
- One-on-one safety reviews and guidance on safety culture
- Scheduled trainings on site
- Driving Safety, Fall Protection, Ladder and Scaffold, Silica Dust, First Aid/CPR and more
- Lunch n’ Learn trainings (safety and HR topics)
- Digital library of Safety Elements (toolbox talks), checklists, and example programs or forms
- Recorded and live webinars
- A review of your safety culture, program, and practices.
- Review past goals and set new goals.
- Recommended actions or risk prevention measures (Action Plan).
- We will also provide any resources (checklists, forms, sample programs) you may need during this time.
Not having programs and policies in place may open you up to more accidents and injuries. Complications can drive up prices and hurt your ability to get work. Severe injuries or dangerous conditions may also trigger an OSHA inspection, opening you up to additional fines and legal costs.
Visit our Training Calendar to view and register for upcoming trainings.