Thursday, December 4, 2014

Business Loss Control and Prevention

Whether your business is large or small, Insure the Lake will help you identify the unique hazards of your business and ways to properly insure against loss or liability. I understand the special insurance protection businesses need to prosper.  At this time of year, it is important to keep a watchful eye on seasonal hazards as part of your safety and loss prevention programs. Your Lake of the Ozarks insurance agent is here to help with these preventative maintenance tips!

Exterior Maintenance

Exterior building maintenance is important during all seasons, but colder weather can bring new challenges.  Accumulation of dried leaves can create a fire hazard with patrons tossing cigarette butts at entrances and exits.  Wet leaves can become very slick and create a slip/fall hazard. Keeping the premises free of leaf debris is important for these two specific reasons.

Late Fall is also a good time to check exterior lighting, especially with darkness arriving much earlier.  Property owners should inspect downspouts to determine runoff flow and avoid ice accumulation in public traffic areas.  You should also review snow removal and salting procedures in parking lots and on sidewalks.

Interior Maintenance

Attention to interior preventative maintenance is always important too.  Replacing furnace filters and checking batteries in smoke and CO detectors, exit signs, and emergency lighting are simple yet important procedures.  During inclement weather, consider placing moisture-absorbent mats in entrance areas.  Make sure the mats have beveled edges, lie flat on the floor and are made of backing that will not slide, otherwise the mat could become a tripping hazard itself.

Holiday Decorations

With the holidays come decorations.  It is important that decorations do not interfere with safety equipment in the building.  Decorations should never cover exit and emergency lighting, smoke detectors or sprinkler heads.  Christmas trees and holiday candles can become a major fire hazard. Never leave a lit candle unattended and be sure to turn off and unplug all Christmas lights before leaving work for the night.

Extra care should also be employed with the use of extension cords. Cords should always be in good working order and not overloaded.  The use of extension cords in public traffic areas can create trip hazards and should always be avoided. Also be sure to unplug them when not in use because the cords can still draw power.  To reduce chances of overheating and fire, cords should never be bundled together or placed under rugs.  

By establishing and implementing these simple, low-cost preventative maintenance procedures, your business can potentially reduce its overall hazards and enjoy the fall, winter and holiday seasons! The most important way to protect your business though, is to have an open line of communication with your insurance agent at the Lake of the Ozarks.  Be sure to discuss all your risks to ensure you have the proper coverage for your business!

Delivering all of your Lake of the Ozarks Insurance needs - Insure the Lake!

Steve Naught, CIC

3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191