As a business owner, one way you may be able to keep your Florida general liability insurance premiums under control is to take steps to limit the amount and severity of claims against your business. One of the best ways to do this is to make safety a priority in your work place as this can reduce the risk of injury for both workers and visitors to your premises.
Below are several tips for creating a safer work environment:
First, identify what regulations regarding safety apply to your business. Most likely, there are local, state and federal regulations pertaining to safety in your particular business. By becoming familiar with these regulations, you should have a good foundation on which to build a safe working environment.
Next, develop safety procedures which comply with existing OSHA standards. Having checklists, instructions, appropriate signs and proper safety classes should help move your safety initiative into gear. It’s also important to note that while worker injuries may be covered under workers’ comp, the potential for injuries to clients, visitors or contractors necessitates the need for general liability coverage.
At this point, a good monitoring process should help by identifying and limiting potential hazards. This could also provide valuable information as your business begins to expand. Also, you can keep your safety initiative rolling by having a focus on continuous improvement. By following these guidelines, you may be well on your way to keeping your Florida general liability insurance claims in check and creating a safer work environment for workers, visitors and clients.