Risk Management Tips for Spring & Summer

It’s May! Can you believe it? The weather is nicer and the sun is out longer! Spring and summer are energizing seasons – birds are chirping, grass is growing and flowers are blooming. As two of our favorite seasons, we have put a list of some risk management tips together to help your insured prepare their business for the spring and summer seasons.

  1. Railings & Ramps – Insurance for Services for the Physically HandicappedAs with the majority of social service organizations, your insured has clients and visitors entering and exiting the building. Aside from caring for the appearance and safety of the entryway, your insured must perform maintenance checks on all stairway railings and handicap ramps. These areas should be sturdy and properly updated. Certain social services organizations that assist the elderly — Adult Day Care Centers, Agencies for the Aging – and services that provide assistance to people who are physically handicapped, may rely on the handrails and ramps more than other risks. One loose nail can be the cause of a major injury and loss to the insured.
  2. Polished Floors – Specific types of floors like marble, slate, terrazzo and limestone have proved to increase the likelihood of slips and falls over other types of floors that provide additional friction. Marble, slate and limestone floors may also require polishing or waxing on a regular basis. As the seasons change, people have welcomed open-toe footwear, which unfortunately may not provide the same gripping that winter boots and sneakers did during the cooler seasons. If your insured is planning to polish their floors, make sure they are planning this maintenance in advance and preparing their clients of the situation. They should also display caution signs to prevent accidents.
  3. Heat-Related Injuries– Weather can be a bit unpredictable, even when it’s predicted! For the majority of states this time of the year, we start to see the temperatures rise and a need for Ultraviolet protection and sunscreen! Heat-related injuries are no joke – they have the ability to cause serious illnesses such as heat cramps, heat exhaustion and heat strokes. When a person’s body is exposed to heat for too long, it can cause the body’s cooling system to overwork and result in one of these heat-related illnesses. Advise your insureds to educate their employees and clients on the warning signs and the dangers of heat exposure. They may want to display heat-related injury prevention tips for their clients –
    1. Drink plenty of fluids, such as water or a sports drink, throughout the day to avoid dehydration.
    2. Wear light, loose-fitting clothing.
    3. Stay in air-conditioned buildings to avoid direct exposure to the heat.
    4. Use sunscreen to protect your skin from sunburn, skin cancer, etc.
    5. Avoid rigorous outdoor activities during extreme weather.
    6. The most dangerous times of the day tend to be between 10 a.m. and 3 p.m.
  4. Driver Safety, as discussed in “Safety Tips to Avoid Risk This Holiday Season”, is also extremely important during all seasons. The spring and summer tend to bring more dirt, dust, grit, pebbles and exposed pot holes on the road. Drivers should also be aware of any harsh sun glare reflected on their windshield and should protect their eyes accordingly.  Advise your insureds to caution their drivers of these hazards and to stay alert at all times. Vehicles should be kept up to date with maintenance, oil changes, tire pressure, inspection reports, registration and more!

Please note: The above mentioned provides only a selection of the hazards brokers should help prepare their insureds for this spring and summer. This blog does not cover all areas of concern.

For coverage information relating to spring and summer hazards, AFC advises insureds to also contact their insurance broker and brokers to contact their insureds’ insurance carriers. If you partner as an agent/broker with AFC, please feel free to contact us at 877-456-5323 or via email at info@afcins.com.

 

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AFC Insurance writes this blog. The content and opinions expressed in this blog are strictly for informative purposes from sources that are presumed accurate. AFC Insurance does not assume responsibility for any misguided information and no guarantees are implied.