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While overall workplace injuries have been falling in the last decade, the numbers of deadly and catastrophic injuries are actually on the rise.
A new report recommends that employers focus their injury prevention efforts on reviewing accidents that could have resulted in serious injury or death, as well as on near misses, where a potentially serious accident was narrowly avoided. The "Serious Injury and Fatality Prevention: Perspectives and Practices" report, by the Campbell Institute, recommends that employers focus on their internal processes that could lead to serious injuries and fatalities, rather than on human error itself. They should focus on identifying and fixing holes in their safety management system, examine their workplace culture, and change or modify work processes so as to eliminate the chances of human error affecting safety. The report recommends that organizations don't put the blame on the injured worker, but instead take a look at internal factors that contributed to an accident. To identify events or near events that could have led to serious injury or death, the prevention model in the report recommends focusing on and studying:
By identifying potential precursors to such events and educating employees about those precursors, companies can focus on eliminating the potential for accidents to occur in the first place. One key component of this method is to identify which smaller accidents or near misses had the most potential to inflict serious injury or death. Recommendations Establish a system for reporting near misses. Consider:
When rolling out the plan, hold a safety meeting explaining to employees why the company is focusing on the smaller incidents and near misses, and how a minor incident can turn major. Explain the importance of looking at potential rather than actual outcomes for minor incidents.
When it comes to crop insurance, there are many decisions and regulations to consider. In this video, Travis Stewart, discusses how replant, late plant, prevented planting, and 1st crop/2nd crop provisions may affect you.
Although no producer goes into a planting season with the anticipation of low yields, low commodity prices, and a payout from their crop insurance policy come harvest time – it happens. Unfortunately, in times of tight margins and the inability for some to cover their break-even costs, Yield and Revenue Protection plans regulated and offered through the Risk Management Agency do not provide sufficient amount of coverage for some producers to farm comfortably.
Farming doesn’t stop in the winter, there are animals to be fed, crops to be handled, machines to be repaired and so much more. Here are some reminders for workers who are out bracing the cold everyday. Stay warm & safe everyone!  I have seen quite a few companies and agencies promoting “captives” as a sound alternative to federally re-insured crop insurance. Suggesting a farmer’s best risk management strategy may be situated in a group of like-minded producers, who self-insure through the help of a licensed insurance company, thus bypassing commercially sold insurance products.
So that leads me to ask… Sometimes we overlook change and don’t realize all that can happen within a year. Take a moment to think about everything that has happened and if you should review your insurance needs. It’s important to do so annually as coverage needs change as the circumstances in our lives change.
While your employees can catch the flu year-round, fall and winter are the peak times for an outbreak. In 2018, the Centers for Disease Control and Prevention reported 80,000 Americans died from the flu and more than 900,000 ended up in the hospital.
On average, U.S. employees miss more than 17 million workdays from the flu, costing employers $7 billion in sick days and lost productivity. Make sure your organization is prepared to help employees get through flu season. Businesses frequently enter into contracts with suppliers, vendors, independent contractors, landlord/tenants, and other service providers. In those contracts it is common to find language which transfers the liability of one party to the other in the event that bodily injury, property damage (tangible and intangible) and other liabilities arise out of the contractual relationship.
The liability may involve both insurable and non-insurable liabilities upon the contracting parties. The contracting parties, and their supporting legal and risk advisors should review in detail the contractual language and what liabilities may be assumed due to the contract. Contractual Risk Transfer is one of the five traditional risk management techniques within a business. These techniques include: Risk Retention, Risk Control, Risk Avoidance, Insurance Transfer & Contractual Transfer. Injuries due to slips and falls are one of the most frequently reported workers’ compensation claims. While these accidents can happen anywhere, any time, they typically spike during the winter months. According to the U.S. Bureau of Labor Statistics, over 20,000 workplace injuries due to falls from snow, sleet, and ice occurred in 2016. Of those, 28 percent resulted in more than a month off of work.
Employees and visitors alike are at risk, but with a proactive safety plan, slips and falls can be prevented. Dairy Revenue Protection (DRP) is designed to insure against unexpected declines in the quarterly revenue from milk sales relative to a guaranteed coverage level. The expected revenue is based on futures prices for milk and dairy commodities and the amount of covered milk production elected by the dairy producer. The covered milk production is indexed to the state or region where the dairy producer is located.
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