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6 years ago · by · 0 comments

What is OSHA and Why is it Important to Your Business?

Why is job safety and health important?

In 2013, 4,585 employees died from occupational incidents, and there were a staggering 3.0 million total recordable cases of workplace injury and illness. On average, each of these 3.0 million cases required eight days away from work, which means U.S. employers as a whole paid for millions of days of lost work time. Experts estimate that workplace injuries and illnesses cost U.S. businesses more than $125 billion annually. Effective job safety and health programs not only help reduce worker injuries and illnesses, they save employers money in the long run.

How does OSHA contribute to job safety and health?

The primary goal of the Occupational Safety and Health Administration (OSHA) is to carry out the Occupational Safety and Health Act (OSH Act), which Congress originally passed in 1970. The OSH Act has undergone several amendments and revisions since its inception, but it is still in place “to assure so far as possible every working man and woman in the Nation safe and healthful working conditions and to preserve our human resources.” OSHA contributes to job safety and health by enacting regulations that forward this ideal.

Title 29 of the Code of Federal Regulations (CFR), Parts 1902-1990, houses all the OSHA standards, though OSHA also allows states to enact occupational safety and health laws of their own under federally-approved plans. State-run programs are at least as strict, and sometimes more so, than federal standards. This ensures a minimum standard of job safety and health that all employers must follow to protect employees.

Are all employees covered by the OSH Act?

The OSH Act covers all employees except public employees in state and local governments and those who are self-employed. Public employees in state and local governments are covered by their state’s OSHA-approved plan, if applicable.Federal employees are covered under the OSH Act’s federal employee occupational safety and health programs, which are outlined in 29 CFR Part 1960.

United States Postal Service employees, however, are subject to the same OSH Act coverage provisions as those in the private sector.Other federal agencies that have issued requirements affecting job safety or health include the Mine Safety and Health Administration (MSHA) and some agencies of the Department of Transportation (DOT), including the Federal Motor Carrier Safety Administration (FMCSA).

Employees in these industries are subject to their respective regulations.Additionally, businesses in the retail, service, finance, insurance and real estate sectors that are classified as low-hazard are exempt from most OSHA requirements, as are small businesses with 10 or fewer employees. Exceptions are discussed in 29 CFR Part 1904, which also explains which OSHA regulations exempt employers are still required to follow.

What are your responsibilities as an employer?

If you are an employer covered by the OSH Act, you must provide your employees with jobs and a place of employment free from recognized hazards that are causing, or are likely to cause, death or serious physical harm. You must also comply with the OSHA statutory requirements, standards and regulations that require you to:

  • Provide well-maintained tools and equipment, including appropriate personal protective equipment (PPE)
  • Provide medical assistance and guidance for employees sustaining workplace injuries/illnesses
  • Provide required OSHA training
  • Report accidents that result in fatalities to OSHA within eight hours
  • Report accidents that result in the hospitalization of three or more employees to OSHA within eight hours
  • Keep records of work-related accidents, injuries, illnesses and their causes
  • Post annual injury/illness summaries for the required period of time

What are your rights as an employer?

When working with OSHA, you may do the following:

  • Request identification from OSHA compliance officers
  • Request an inspection warrant
  • Receive a reason for inspection from compliance officers
  • Have an opening and closing conference with compliance officers
  • Accompany compliance officers on inspections
  • Request an informal conference after an inspection
  • File a notice of contest to citations or proposed penalties
  • Apply for a variance from a standard’s requirements under certain circumstances
  • Be assured of the confidentiality of trade secrets
  • Submit a written request to the National Institute for Occupational Safety and Health (NIOSH) for information on potentially toxic substances in your workplace

What are employees’ responsibilities?

All employees are obligated to help prevent exposure to workplace safety and health hazards by becoming familiar with and adhering to all applicable OSHA requirements.

What are employees’ rights?

With regards to OSHA regulations, employees have the right, among other actions, to:

  • Review employer-provided OSHA standards, regulations and requirements
  • Request information from the employer on emergency procedures
  • Receive adequate, OSHA-required safety and health training on toxic substances and emergency action plan(s)
  • Ask the OSHA area director to investigate hazardous conditions or violations of standards in the workplace
  • Have his or her name withheld from the employer when filing a complaint with OSHA
  • Know what actions OSHA took as a result of the employee’s complaint and have an informal review of any decision not to inspect or issue a citation
  • Have an employee representative accompany the OSHA compliance officer on inspections
  • Observe monitoring and measuring of toxic substances or harmful physical agents and review related records (including medical records)
  • Review the Log of Work-Related Injuries and Illnesses (OSHA 300 Form), if applicable, at a reasonable time
  • Request a closing discussion following an inspection
  • Object a citation’s set abatement period
  • Seek safe and healthful working conditions without your employer retaliation

Why is OSHA important to your business?

OSHA plays a key role in making your facility a safe, healthy place to work. Beyond providing the tools and guidance to work toward an injury- and illness-free workplace, OSHA is important in identifying businesses that are not committed to safety. Employers that do not carefully follow OSHA regulations often face hundreds of thousands, if not millions, of dollars in fines.

How can you get more information on safety and health?

OSHA provides free publications, standards, technical assistance and compliance tools to help you understand the nuances of the regulations. OSHA’s website also offers extensive assistance by way of workplace consultation, voluntary protection programs, grants, strategic partnerships, state plans, training and education to guide you in your quest for workplace safety. To learn more about OSHA and the critical elements of a successful safety and health management system in your workplace, visit www.osha.gov.

This document is an introductory guideline. It does not address all potential compliance issues with OSHA standards. It is not meant to be exhaustive or construed as legal advice. Contact your licensed commercial property and casualty representative at Scurich Insurance or legal counsel to address applicable compliance requirements. © 2009-2012, 2015 Zywave, Inc. All rights reserved.

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6 years ago · by · 0 comments

Therapeutic Treatments Can Help You Recover

You’ve probably heard a lot about opioids lately, and for good reason—the CDC estimates that more than 115 people die from opioid overdoses every day.

One of the biggest reasons for widespread misuse of these drugs is that they’re both effective at short-term pain management and highly addictive.

Luckily, to combat what some now call the “opioid epidemic,” researchers from the American College of Physicians (ACP) have published guidelines that promote alternative noninvasive and therapy-based pain treatments.

Although these guidelines recommend the use of opioids and other medications as a last resort, therapeutic treatments may help strengthen your body and help you heal naturally. However, you should always consult your physician for the best way to treat your pain.

Here are some common pain treatments based on the ACP’s guidelines:

  • Use heat or ice packs to reduce pain and swelling. Regulating how much blood flows into affected areas can be a simple and effective way to reduce pain.
  • Avoid overexertion. Rest will allow any injured tissue and nerve roots to begin to heal. However, too much rest can cause your muscles to weaken.
  • Exercise when possible. Although exercising to relieve pain may sound strange, even low-intensity activity like stretching or walking can help strengthen your muscles and relieve pain. Consult with a health care or fitness professional to customize a safe and effective exercise routine for any severe or chronic pain.
  • Engage in relaxing activities such as yoga and meditation. Research has shown that the mental aspect of physical pain can cause it to be much more intense than it would be otherwise.
  • Explore your options. Talk with your doctor about alternative pain relievers and anti-inflammatory medications. You could also discuss when to use or how to wean off strong narcotics. Opioids should only be considered as a last resort.

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6 years ago · by · 0 comments

Stay Away from Fad Diets

ad diets have been around for decades. New ones surface regularly while some older weight-loss solutions fall in and out of popularity.

Popularized by the promise of quick and dramatic weight-loss results, fad diets need to be fully researched before trying. Generally, diets or diet products can be considered a fad if they fit any of the following criteria:

Claiming to help you lose weight very quickly, more than 1-2 pounds per week.

Promising you will lose weight and keep it off without giving up fatty foods or starting an exercise program.

Basing their claims only on “before and after” photos.

Offering testimonies from clients or “experts” in weight loss, science or nutrition who are usually being paid to promote the diet plan.

Drawing simple solutions from complex medical research.

Limiting food choices and not encouraging you to get balanced nutrition by eating a variety of foods.

Requiring you to spend a lot of money on things such as seminars, pills or prepackaged meals in order for the plan to work.

Instead of turning to a fad diet to achieve weight-loss results, try implementing lasting lifestyle changes. Contact a health care professional to get started

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6 years ago · by · 0 comments

Tips To Raise Sexual Assault Awareness And Prevent Harassment At Work

April is Sexual Assault Awareness Month, and your workplace must be safe for employees, vendors and customers. Make time this month to refresh your understanding of sexual harassment as you prevent sexual assault and create a safe work environment.

Define Sexual Harassment 

Sexual harassment includes any unwanted sexual advances such as offering a work benefit in exchange for sexual favors, inappropriate touching, unwelcome or intimidating behavior, offensive jokes, and inappropriate decor. Federal and state laws prohibit any form of sexual harassment.

Know Your Role

As an employer, you have the responsibility to prevent sexual harassment and create a safe work environment for all employees. A harassment-free work environment improves morale and productivity, and it reduces liability.

Write a Clear Anti-Harassment Policy

Your employee handbook should include a comprehensive anti-harassment policy that outlines:

  • The definition of sexual harassment
  • Your zero-tolerance policy
  • Reporting procedures
  • Investigation process
  • Disciplinary action
  • Anti-retaliation details

Consult your attorney to ensure the policy meets or exceeds federal and state requirements and covers all your bases.

Conduct Frequent Training Sessions

Schedule annual or more frequent training sessions to ensure all your employees understand the definition of sexual harassment, your company’s official policy, how to report it, and ways to prevent it. These trainings should be mandatory for all your employees, including supervisors.

Ensure Leadership Complies with the Zero-Tolerance Policy

All supervisors and managers must comply with your zero-tolerance policy as they prevent sexual harassment. Leaders set the bar for everyone else’s behavior and must be trusted to handle cases appropriately.

Monitor Employees

You can monitor email and other electronic communications as well as behavior as you look for and stop inappropriate behavior. Encourage your employees to monitor and report inappropriate behavior, too.

Clarify the Reporting Procedure

Despite your efforts, sexual harassment may occur, and you will need to clarify the reporting procedure and empower victims and onlookers to report improper actions. While employees should tell the perpetrator to stop, they should also know who to report to, what information to share and how to report harassment perpetrated by their direct supervisor.

Define Consequences

Every employee should know the consequences of sexual harassment. They should also be confident that the consequences will be applied consistently to all employees.

Create a Safe Culture

While you need and want to prevent sexual harassment, the company’s culture should also support your stand. No crude or offensive jokes, inappropriate activities during after-work events or other improper actions should be tolerated, encouraged or allowed.

Your company must be safe for everyone. This April, improve sexual assault awareness and prevent sexual harassment as you follow the law and improve your company and culture.

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6 years ago · by · 0 comments

Safety Footwear, the Right Shoe for the Job

Whether you stand all day, operate heavy machinery or handle chemicals, you need to protect your feet as you work. Several foot safety tips reduce injuries and help you maintain a safe work environment.

When to Wear Safety Footwear

Safety footwear protects your feet against numerous injuries, including punctures, impacts, electrical shock and compression. If you work in any hazardous work environment, you probably need to wear safety footwear as part of your daily uniform. Protective shoes also protect your feet if you suffer from weak ankles or other medical conditions.

Available Types of Safety Footwear

Depending on your job and preferences, you may select safety boots or sneakers. Available in a variety of styles and colors, the best safety shoes include a CSA certification and may include:

Safety-toe – features a special toe covering that protects the foot from dropped objects

Steel insole – stabilizes feet and protects them from joint and bone injuries or problems

Metal instep – provides a barrier against glass, nail and other sharp object punctures

Metatarsal protection – reduces injuries to your upper feet and internal bones

Electric protection – absorbs shock through specially made soles

Heat resistant – resists heat-related injuries

Water resistant – repels water and keeps feet dry  

Nonslip – improves traction on various surfaces

Where to Purchase Safety Footwear

Your employer may provide strict guidelines and limitations about exactly which safety shoe you may wear, including where you may purchase this gear. If you can select the safety shoes you wear, check specialty footwear stores or online retailers. Because you want to protect your feet, select only the right shoes for your job and feet. Price should be secondary as you promote safety.

How to Fit Your Safety Footwear

When trying on safety footwear, ensure a proper fit.

  • Try on shoes in the afternoon to accommodate swelling that occurs naturally during the day.
  • Wear your regular work socks and any special supports.
  • Ensure ample toe room since the shoes typically do not stretch with wear.
  • Check for snugness around the heel and ankle.
  • Walk around a bit to check for comfort.

Care Instructions

Most safety footwear requires ongoing care and maintenance. Before you wear them for the first time, apply a water-resistant coating. Every day, inspect your shoes for damage, including sole cracks, leather breaks or toe cap exposure. Always replace your safety footwear if you notice signs of wear or damage that you cannot repair and after a puncture, impact or other event that may compromise the shoe.

Protect your feet at work when you wear the right safety footwear. Talk to your employer and check OSHA resources as you purchase, maintain and wear shoes that protect your feet every day.

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6 years ago · by · 0 comments

Eating Healthy Doesn’t Have to Be Expensive

Eating a well-balanced diet is a key component in living a long, healthy life. Many Americans think that eating healthy means they have to empty their wallets, which isn’t necessarily the truth. Keep the following money-saving tips in mind next time you’re grocery shopping:

  1. Make a weekly meal plan. Before you go to the store, think about what meals and snacks you want for the week. Read recipes thoroughly so you can make an accurate list of everything you need, reducing the risk that you’ll have to run back to the store later in the week.
  2. Create a list—and stick to it. Make a detailed list of what you need to buy before you go to the store. When you get to the store, don’t buy anything besides what’s on the list.
  3. Plan where you’re going to shop. Many grocery stores run sales or offer coupons on various healthy foods. Check out the ads and plan your grocery list around what’s on sale.
  4. Shop seasonally. Fresh fruits and vegetables that are in season are usually easier to get and may be a lot less expensive. Click here for a list of what’s in season.
  5. Cook at home as often as possible. Many foods prepared at home are cheaper and more nutritious. Go back to the basics and find a few simple and healthy recipes that your family enjoys.

One Pan Potatoes & Chicken
4 medium potatoes
1 pound chicken breast (boned and skinned)
2 Tbsp. oil
1 cup salsa
1 15-ounce can whole kernel corn (drained)

PREPARATIONS

  1. Cut potatoes into ¾-inch cubes.
  2. Cook potatoes over medium-high heat until fork-tender. Remove from pan.
  3. Heat the oil in a skillet over high heat. Brown the chicken for 5 minutes.
  4. Add the potatoes back into the pan and cook until lightly browned. 
  5. Add salsa and corn. Cook until heated through.
  6. Serve warm.

Makes: 6 servings

Nutritional Information (per serving)

Total Calories

285

Total Fat

7 g

Protein

21 g

Carbohydrates

35 g

Dietary Fiber

4 g

Saturated Fat

1 g

Sodium

316 mg

Total Sugars

3 g

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

Contact details

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(831) 661-5697

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