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Safety Tips

13 Tips for a Safe Halloween

13 Tips for a Safe Halloween

Halloween is just around the corner, and many consumers may not realize how frightening this night could really be for their personal safety, property and bank accounts. But Trusted Choice® independent agents can help families better prepare for Halloween hazards that may come in disguise or under the cloak of dark.

25 Ways to Winterize Your Life


25 Ways to Winterize Your Life

Control your comfort and home energy costs over the winter season. The tips below can keep you warm and keep money in your pocket, according to the U.S. Department of Energy.


Employee Fatigue a Silent Risk In the Workplace

How Employers Can Help Prevent Employee Fatigue

Employee fatigue issues should be handled with the same care and attention as other job-related hazards. Here are some helpful tips to keep employees awake, alert and safe on the job.

  • Vary work tasks throughout the day.
  • Offer regular breaks during the workday, so employees can reenergize and refocus on their workload.
  • Switch to blue-enriched white lighting in the office. Research indicates that cognition-enhancing blue light during the day improves mood, concentration, productivity, and the quality of sleep at night.
  • Create a company sleep challenge. Talk about a fun way to engage in friendly competition. Employees can use an activity tracker (e.g., Fitbit) or an app (e.g., Sleep Cycle) and log the number of hours slept each night.
  • Always encourage employees to notify a department manager or supervisor if they feel fatigued during the workday or otherwise not able to complete their work.

Meetings on the Move

Statistics show that when people walk 45-60 minutes per day, they sleep better at night. With this is mind, many companies conduct employee meetings while walking on an indoor track. This novel idea not only increases workplace productivity and employee engagement, it also creates a healthier company culture.

Educate Your Employees

Employers can also minimize the risks of workplace fatigue through employee education. Explain to employees the dangers posed to themselves and others while working when overly tired. Encourage them to develop and maintain a healthy sleep routine with the following tips.

  • Make sleep a priority. Go to bed at the same (and reasonable) time each day.
  • Eat light, nutritious meals and avoid eating or snacking right before bedtime.
  • Drink plenty of water.
  • Minimize their consumption of caffeine and alcohol.
  • Practice relaxation techniques after a long day and before going to sleep.
  • Resist the temptation to read or watch TV in bed.
  • Turn off smartphones, tablets and laptops well before turning off the light.
  • Seek immediate treatment of sleep disorders from a licensed physician.

Employees are likely your most valuable asset for your business. Make sure you take care of them by helping them take care of themselves. Not only will you be helping to avoid work realted injuries, but you will be improving productivity and likely overall job satiffaction. If you can't do all the above yourself as busy business owners, consider bringing in outside consultants to help. 

Top 20 Electrical Safety Safety Tips For Restaurant Owners

Each year, according to a National Safety Council study, electrical fires lead to approximately 4,000 injuries and over 300 deaths in workplaces, including those which occur in restaurants. Electrical safety does not rest solely on the shoulders of restaurant owners and managers. Safety concerns should also be a responsibility shared by employees. Protect your restaurant from electrical accidents by training yourself, as well as every employee, on how to recognize electrical fire hazards.

  • Always follow manufacturer’s instructions when operating cooking equipment and kitchen appliances.
  • Regularly inspect all electrical cords for cuts, frays and other signs of damage. Replace damaged cords immediately!
  • Never overload electrical outlets or circuits.
  • Avoid using extension cords as permanent electrical solutions.
  • Provide heavy-duty extension cords and power strips for employees to use so a single cord or circuit is not overloaded.
  • Install ground fault circuit interrupters (GFCI) on electrical outlets located near water sources.
  • Only use kitchen equipment that has been approved by an independent testing laboratory.
  • Be certain exposed electrical boxes are made of a non-conductive material, such as plastic.
  • Make sure all circuit breakers and fuses are properly labeled.
  • Switch off circuit breakers at the first sign of equipment malfunction or electrical fire.
  • Never use damaged electrical equipment. Replace the equipment or have a qualified, licensed electrician make necessary repairs.
  • Teach employees how to shut off the power in the event of an emergency.
  • Keep power cords well away from equipment when in use.
  • Make sure workers pull on the plug, not the cord, when unplugging equipment.
  • Do not touch the prongs of a plug when inserting into an outlet.
  • Never plug something into an outlet if the cord is wet, or when an employee is touching or standing on a wet surface.
  • Avoid using extension cords as permanent electrical solutions.
  • Never use extension cords that feel warm when used; as this is an indication they are overloaded.
  • Keep workplace walkways free from tripping hazards by using ceiling outlets when running longer electrical cords.
  • Train employees to never touch or attempt to help someone who is being shocked until the power has been turned off.
  • Hire only licensed professional electricians to service electrical systems.

These tips are courtesy of our carrier partner Capital Insurance Group (CIG), a leader in restaurant insurance. Please contact us for more information on how to protect your restaurant and to get a quote. Little steps can prevent big losses!

Halloween Safety Tips

What kind of insurance brokers would we be without sharing some simple yet useful Halloween tips with you and your family? Below is an article that will help you and your children stay safe this Halloween... We are sure you likely take these precautions, but this is just a reminder:

  • Parents should establish a specific route for their children in a known neighborhood.
  • Parents and children should use flashlights and use sidewalks whenever possible.
  • Children should use crosswalks when possible and not cross between parked cars.
  • Motorist should drive slowly and watch for children in the street and on medians and exiting driveways.
  • Parents should have their children wear bright, reflective and flame retardant costumes.
  • Children should travel in groups accompanied by an adult.
  • Children should only go to well lit houses and remain on porches and do not enter the homes.
  • Children should bring all treats home and let a parent inspect them all before eating them.
  • Parents with children with alergies should closely inspect treat ingredients before consumption.

Have a Happy (and SAFE) Halloween Everyone!


Doing Good Can Be Risky Business

At BayRisk Insurance we cover dozens of Bay Area non-profits and membership organizations. Not many people think about or realize the risks these organizations are exposed to. Most everyone (including BayRisk staff) likes to volunteer in some capacity. Whether it's cleaning a shoreline for an afternoon, coaching a soccer team or serving on your local school board volunteers and non-profits should look at and understand these exposures to protect themselves. Here are some basic questions volunteers and non-profits should be asking:

For the Volunteer:

  • Will the organization protect me if I am involved in a lawsuit relating to my activities?
  • What happens if I'm injured in the course of my volunteer duties?
  • Do I have a financial/fiduciary responsibility that I could be held accountable for?
  • Will my personal insurance policies protect me for my volunteer commitments?

For the Organization:

  • Do we protect volunteers from liability exposures due to their actions?
  • Do we have protection for volunteer negligence or inappropriate actions?
  • Do we carry workers' compensation for volunteers?
  • Do we disclose all our volunteer exposures to our insurance carrier?
  • Do we offer Directors and Officers liability insurance to help protect our volunteers personally?
  • Do we have contracts and or waivers in place to protect ourselves from actions by volunteers?
  • Do we have sexual abuse and molestation coverage (esp. for non-profits working with children)?

As you can see there can be some concerning issued for both parties. Volunteers should contact their personal insurance broker/agent to be sure they have personal liability protection under their homeowner/condo/renters policies. They should also ask what type of coverage the non-profit carries before committing to a serious position especially one involving financial decisions of a company. 

Non-profit organizations should consult with their broker/agent on what type of coverage is available, costs involved and what exposures they may not be currently addressing. 

In short, it feels good to do good, but one should take appropriate measures to make sure that doing good does not turn bad. 

If you are a not for profit organization and in need of a review or assistance please feel free to contact us anytime. We work with insurance carriers specifically devoted to helping non-profits in Bay Area, California and beyond.