ByRuth Kiefer, ARM
Loss Control Manager

I’d like to take a moment to explain the reason why my staff and I take safety very seriously when we survey your facilities. Our time doing this job has taught us one thing, that when things go wrong, they are quick and unforgiving. During our safety walkthroughs of your facilities, we try to encourage you to address certain hazards, we may sound like broken records at times, and there is a clear and fateful reason why we do. Injuries and deaths occur all the time in our industry. It is real. We see it first hand, we investigate it, we analyze the data, and we crunch the numbers. It may be just a story that you read, a highlight on the nightly news, but these are real people, that could have been your own employee. Or perhaps have been one of your employees.

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By Travis Halstead, Loss Control Consultant

As the warmer months are quickly approaching, many of your facilities will be directly affected by the increasing temperatures. As you do not have the ability to close your facility for the summer, it is essential that we try to identify the symptoms of heat related illnesses and ways to prevent them. Through proper training and some other proactive steps, there will be a better chance of reducing the possibility of your employees being exposed to heat stress.

By employees being exposed to extreme heat they are more apt to heat stress. While workers that are 65 years of age or older are at a greater risk of having heat stress, other individuals that are overweight, have heart disease or high blood pressure, or take medications may also be easily affected by extreme heat.

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Experience Modifications have been used for decades as a method to adjust employer’s workers’ compensation premiums based on their own loss experience. Good experience would earn a credit experience modification, an experience modification below 1.00. Loss experience higher than anticipated in the rate results in an experience modification greater than 1.00. This is all old news. So what is new? Three inquires in the last 6 months from our policyholders about their experience modifications. That by itself is not usual. What was unusual is that all three had a significant panic in their call. In each case, the insured’s largest customer was letting them know that future work was being discontinued because their experience modification was above 1.00. (more…)

By Travis Halsted, Loss Control Consultant

As the season of melting snow begins and the use of air movement fans is once again seen, it is essential to determine how the risk of trips and slips resulting in falls in the workplace can be eliminated. According to the 2009 statistics from the Bureau of Labor Statistics, 605 workers were killed and an estimated 212,760 workers were seriously injured by falls to the same or lower level (Centers for Disease Control and Prevention, 2014). Occupational fall injuries result in approximately $70 billion spent annually between medical and workers’ compensation costs (Centers for Disease Control and Prevention, 2014). From these staggering numbers the need to prevent this type of injury is high on many safety committee lists.

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By Chris Demeter, Senior Loss Control Consultant

Flammable liquids are used in many different ways. They present unique hazards to the people that use them. Flammable liquids can cause a fire or explosion, and like many other substances, they can also cause serious health effects from overexposure.

Flammable liquids are liquids with a flash point of less than 100F. The flash point is the lowest temperature at which a liquid gives off enough vapor to form a flammable mixture with air. On the NFPA diamond label, a fire hazard rating of three or four denotes a flammable liquid. Other labels used to identify flammable liquids are red with appropriate wording and they usually contain a fire symbol.

The vapors of a flammable liquid often present the most serious hazard. The vapors can easily ignite or explode. Flammable liquid vapors are heavier than air and may settle in low spots, or move a significant distance from the liquid itself.

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