OSHA Inspection: Use the guidelines below to help prepare for an OSHA inspection. What triggers an OSHA inspection? An OSHA inspection can be triggered by any of the following: Planned inspection Complaint National/local emphasis program (e.g., lead, amputations) Site-specific targeting program (high incident rate sites) Follow-up on a previous inspection Imminent danger Fatality What comprises an OSHA inspection? Recordkeeping OSHA 300 logs from the last five years (or records of work-related injuries and illnesses) OSHA 301 forms or incident reports Reports of fatalities and catastrophic events Annual summaries for the last five years Medical surveillance (e.g., hearing tests, respiratory) Safety Data Sheets (SDSs) (and SDS books) Documentation review Written safety compliance programs (e.g., HazComm, lockout/tagout, emergency procedures) Development of the written program Execution of the programs Employee training (e.g., orientation, refresher, attendance records, subject matter) Site inspection Identify physical hazards Observe unsafe employee behavior Evaluate level of noncompliance with OSHA standards Employee interviews Labor representative Rank and file Management What should I do if OSHA wants to inspect my worksite? Examine the inspector’s credentials. Ask for the purpose of the inspection. Has there been a complaint? OSHA can inspect a workplace if it has probable administrative cause for the inspection. … Continue reading OSHA Inspection Guidlines

Whether they’re transporting materials and tools to worksites, hauling goods for deliveries or driving to meet clients—companies of all kinds rely on safe and functioning vehicles to serve customers and generate profit. As such, commercial auto insurance has become invaluable for any business that operates vehicles as part of their operations. However, exposures related to commercial auto insurance are vast, and a number of industry changes, as well as the frequency and severity of claims, have had a significant impact on carriers in the space. In fact, many carriers are finding it difficult to maintain profitability for commercial auto insurance and, in turn, are passing the uptick in cost along to insureds. It’s not uncommon for businesses to see year-over-year rate increases even when they hire safe drivers and have a clean loss record. But, the truth is that claims history is just one piece of the puzzle, and a number of high-level trends affect commercial auto insurance rates. This Coverage Insights will examine some of the trends driving up the cost of commercial auto insurance. +Distracted Driving Incidents While many factors can lead to a crash (e.g., impaired driving, poor road conditions and adverse weather), distracted driving is one … Continue reading Factors Increasing Commercial Auto Insurance Rates

  Seven Insurance Policies for Small Businesses With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Anastasi Insurance Agency, Inc. is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line. Commercial Property Insurance In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations. Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis. Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation. Actual cash value: Pays the cost to repair … Continue reading