Archives

Walk Safely on Ice (Like a Penguin)

This entry is part of 10 in the series Winter Defense

Just one bad fall on ice can have long-term consequences. Pay attention to the weather and stay inside to avoid icy hazards when you can. When you do venture out, walking in winter requires special attention to avoid slipping and falling. Slips and falls are the number one source of loss for Society Insurance policyholders.

No matter how well the snow and ice is cleared from parking lots or sidewalks, customers and employees may still encounter some slippery surfaces. It is important for everyone to be constantly aware of these dangers.

Consider these tips: (more…)

It’s Cold Outside: Dress to Protect

This entry is part 1 of 10 in the series Winter Defense

The harsh weather conditions in January — cold winds, snow and ice — are a regular reminder that winter is here for a while in the Midwest. Over the next four weeks, I will share the best ways to protect your business, employees and customers in a four-part Winter Defense series.

Work doesn’t stop just because it’s cold outside. Many will still be working outside throughout the winter, and protection against winter hazards such as frostbite and hypothermia is crucial. (more…)

Recognize Dangerous Warning Signs of Frostbite and Hypothermia

This entry is part 2 of 10 in the series Winter Defense

Last week, I provided recommendations on how to dress to stay protected from the bitter elements. In part two of this four-week Winter Defense series, I identify the dangerous warning signs to watch for when exposed to cold temperatures.

Frostbite and hypothermia are the most common hazards for those working or playing in cold weather conditions. These risks can be dangerous, and even deadly. Knowing the symptoms and how to treat them can keep problems that do occur from becoming a disaster. (more…)

Protect Your Business from Winter Slips & Falls

This entry is part 3 of 10 in the series Winter Defense

In part three of this four-week Winter Defense Series, I provide suggestions to protect your business from the leading cause of loss — slips and falls. If you missed the other ways you can keep yourself and your business safe this winter, check out Dress to Protect with clothing and layering suggestions, as well as Recognizing Dangerous Symptoms, which identifies warning signs and first aid for frostbite and hypothermia.

Slips and falls can happen anytime and anywhere, but the likelihood increases in winter due to snow and ice build-up outdoors and slush and water being tracked into buildings. A Society Insurance study of restaurant and tavern losses found slips and falls were the leading source of customer injury. A national study found slips and falls were the second-leading cause of employee injury, increasing 41 percent since 1998! (more…)

Prepare for Hazardous Winter Travel

This entry is part 4 of 10 in the series Winter Defense

Over the past three weeks, I have shared recommendations to protect your business, employees and customers in a four-part Winter Defense series. In this final edition, I address ways to prepare for winter driving. If you’ve missed the other Winter Defense topics, check out Dress to Protect, Recognize Dangerous Symptoms, and Protect your Business from Slips and Falls.

As we all know, winter driving can be hazardous. It requires extra planning and precautions, but can also be unpredictable with surprise snow totals, drifting, black ice or emergency closures. (more…)

Don’t Let Ice Freeze Your Business

This entry is part 5 of 10 in the series Winter Defense

If you were a business owner somewhere between Minnesota and Maine this winter, there is a likelihood that your power was interrupted due to the massive ice storm that swept the Midwest and East Coast. If you were able to open, did large icicles hang perilously from your building putting your customers in harm’s way? Don’t forget about that slippery sidewalk and parking lot! What if an employee slips and falls while taking out the trash? What if a customer walks outside and gets hit in the head with an ice chunk or falls down and fractures their hip? Will they (or their lawyer) say that you didn’t properly clear the sidewalk, which caused them to fall? Most importantly, how will that affect your reputation as a business owner? Ice storms can wreak havoc this time of year! (more…)

Tips for Driving in a Winter Storm

This entry is part 6 of 10 in the series Winter Defense

The winter driving season means severe weather and dangerous driving conditions. Winter storms seem to pop up out of nowhere. As a driver, you should be aware of the many safety rules/strategies for winter driving.

Before the winter driving season even starts, it is important to have your vehicle checked out by an authorized mechanic. Your mechanic should check the condition of: (more…)

What to Pack in Your Roadside Emergency Kit

This entry is part 7 of 10 in the series Winter Defense

Winter driving can be hazardous. Although not expected, there may be a time when your vehicle does becomes stranded. This is an emergency situation. Hopefully you have your roadside emergency kit packed in your vehicle and ready to help you.

The National Safety Council recommends having these items in your vehicle at all times: (more…)

10 Tips for Winter Travel

This entry is part 8 of 10 in the series Winter Defense

Winter is upon us – or very close depending on your tolerance for our current weather. Although most of us like to think we’re pros at traveling in winter weather, it’s never too late for a brief reminder with some tips on how to make sure we arrive at our destination safely.  (more…)

Salting Winter Sidewalks

This entry is part 9 of 10 in the series Winter Defense

Slip and falls represent a huge liability for business owners. Outdoor surfaces, such as parking lots, sidewalks and walkways, are one of the leading areas for slip and fall accidents. These areas become increasingly more hazardous in the winter with the accumulation of snow and ice. Slip and falls are the number one source of loss for Society Insurance policyholders for both customer and employee injuries.

If you own your property you are responsible for the snow and ice removal. If you are a tenant who leases your space check your lease agreement to see who is responsible for snow and ice removal; it may be you! Whether it is in an effort to save time or money, some business owners opt out of using ice melt on slippery sidewalks and entryways. By doing nothing, business owners open themselves up to customer liability claims as well as employee injury.  Business owners should have a winter snow removal and ice treatment plan to prevent customers and employees from slipping and falling. (more…)