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7 years ago · by · 0 comments

Avoiding Farm Machinery Hazards

Even though farm machinery manufacturers try to ensure that their products are safe by equipping them with safety guards, agricultural work presents many hazards. Many times, workers suffer injuries because of human error from taking a shortcut, ignoring warning signs, not paying attention or not following safety rules.

Here are some of the most common farm machinery hazards, as well as several safety recommendations to reduce your risk of injury:

Shear Points and Cutting Points

  • Shear points occur when the edges of two objects move close together and can cut soft material (example: auger).
  • Cutting points occur when an object moves forcefully and is able to cut (example: sickle blade).

To avoid injuries, remain alert while operating machines with shear and cutting points. Also, advise others to watch out because some cutting machinery can throw objects while in use.

Pinch Points

  • Pinch points are created when two rotating objects move closely together, one moving in a circle.
  • Hands and feet can get caught in pinch points, or other body parts can get pulled into pinch points when loose clothing becomes entangled in the machine.

To avoid injuries, wear tight-fitting clothing and never reach over or work near rotating parts. Also, identify places where pinch points can occur and avoid these areas.

Wrap Points

    • When exposed machine parts rotate, they create wrap points. Loose clothing can get caught in the moving parts, and consequently pull workers into the machine.

To avoid injuries, shield potential wrap points before beginning your work. If wrap points cannot be shielded, paint them a bright color to remind yourself that they are there.

Crush Points

  • Crush points occur when objects move toward one another, or one object moves toward a stationary object. Workers can be crushed in between.
    Block equipment securely to avoid fatal crushing injuries.

Free-wheeling Parts

  • Some equipment with moving parts continues to spin after being shut off.

To avoid injuries, wait until the machinery has completely stopped before touching it. This can take several minutes.

Hydraulic Systems

  • When servicing, adjusting or replacing parts on machines with hydraulic systems, workers can face high-pressure blasts of hydraulic oil. This can cause injury and/or burns to the skin.

To avoid injuries, do not inspect hydraulic hoses with your hands because the hydraulic fluids can puncture the skin.

Take time to become familiar with the potential hazards of the machinery you work with and remember to always put safety first!

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9 years ago · by · Comments Off on What’s the difference between Bodily Injury coverage and Med Pay?

What’s the difference between Bodily Injury coverage and Med Pay?

accidentIt can seem like bodily injury coverage and medical payments coverage are one and the same. After all, most people who are injured in an accident are going to have some type of bodily injury that requires them to seek medical care. The injured person would then seek out payment for that medical care from the appropriate insurance company. In actuality, though, these are two vastly different — and necessary — types of insurance.

Bodily Injury Coverage Explained

Bodily injury coverage is solely for those injuries incurred by other people that have been caused by you or other people on your insurance policy. If you or someone who is on your insurance policy is found to be at fault as the result of an accident, bodily injury coverage will pay out. Like nearly all states in the country, California requires that you maintain a certain amount of bodily injury coverage.

Medical Payment Coverage

While medical payment coverage is similar in that it pays out to a person who is injured during an accident, there the similarities end. This type of insurance pays for reasonable medical expenses to you as well as any passengers who were in the vehicle with you. Medical payments coverage pays out regardless of who was at fault for the accident.

In California, the minimum amount of bodily injury coverage you must maintain is $15,000 for one injured person and $30,000 for all injuries combined. Any expenses above those amounts would be your responsibility. While those amounts might seem high, considering how expensive healthcare is these days, you might want to make an appointment with your insurance company to go over your policy to make sure you have the right coverage.

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Scurich Insurance Services
Phone: (831) 661-5697
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Watsonville, CA 95077-1170

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