What is OSHA and how does it impact Workers Compensation?

OSHA stands for the Occupational Safety and Health Administration. This government organization is part of the United States Department of Labor. It is the department within the government in charge of the safety and health of workers in the workplace. If you have employees in your business, you need to know about regulations. Any business with one or more employees must comply with OSHA regulations. Here is some information about the history and the three main aspects of the organization.

Image result for OSHA

OSHA was created in 1970 as part of the OSHA Act. This act created to ensure safe and healthful working conditions, as well as to to preserve human capital throughout the workforce of the United States. One primary aspect the training and education of OSHA focuses on is accident prevention. Prior to this act, there were no laws in place to specifically address safety and health in the workplace. Congress created this act in response to workplace accidents amounting to 14,000 worker deaths annually. Since its inception, OSHA has cut the work-fatality rate by more than half. There are three tactics the organization uses to improve workplace safety throughout the United States:  Education, Training and Enforcement.

Hse, Osha, Health, Safety, Cleaning

Education

One aspect of OSHA that far too many businesses do not realize is their focus on Education and Training. The OSHA Training Institute (OTI) Education Center Program was created in 1992 as a response to a growing number of requests for training from private sector personnel and Federal personnel from other agencies increased throughout the 1980’s. The two most popular courses currently include the #500 Trainer Course in Occupational Safety and Health Standards for the Construction Industry and #501 Trainer Course in Occupational Safety and Health Standards for General Industry. Additional courses include topics such as Hazardous Materials, Machine Guarding, Ergonomics, Confined Space, Excavation, Electrical Standards and Fall Arrest Systems.

Training

OSHA is most known for enforcement and instituting fines, but arguably the most important part of OSHA is Employee Training. As part of its duty to keep the workforce safe and productive, OSHA requires all businesses to create an emergency action plan and take steps to set up a training program to train all employees in all aspects of the OSHA plan. What must be included in this plan is how to deal with hazardous substances, blood-borne pathogens, emergency situations, and what to do if an inspector comes to your workplace.

Enforcement

In addition to education and training, OSHA is tasked with enforcement. This is what the organization is most known for. Officials can issue fines ranging into the tens of thousands of dollars for violations, and they can refer violators for criminal prosecution if they deem such action is warranted. Any business with employees must comply with regulations. If your small business had 10 or fewer employees during the last year, you don’t have to file an injury or illness reports, but you still must comply with all other regulations. It is the responsibility of the business owner to ensure their business and all employees are trained to be in compliance with OSHA Regulations.

Image result for OSHA

Eight CyberSecurity Tips for Small Businesses

Cyber Security

In-depth Training for Employees in Cyber Security Prevention

You and your information technology expert need to come up with basic security practices for your employees. There need to be clear and concise rules of behavior for your employees regarding passwords and customer information.

Protect all sensitive Information from Cyber Attacks

Starting with just keeping the computers clean and always running the latest security software on schedule.  Make sure you are install all of the proper malware, antivirus, and key software updates. If you and your IT Professional are constantly paying attention to cyber security, the employees will take more of an interest as well.

Make sure you purchase the proper Cyber Insurance Policies

Cyber Security Insurance comes in two forms that are usually packaged together. The first is commonly referred to as Data Breach Insurance and it covers your first party damages to you and your business. The other coverage is commonly referred to as Cyber Liability Insurance. This coverage protects your business from the third party liability your business may have to customers and other parties who may be damaged by a data breach that occurs within your business.

Get the best answers to Data Breach and Cyber Security Insurance questions at MyInsuranceQuestion.com

Do not forget about having a policy regarding Mobile Devices 

Mobile devices are such a common part of our lives now that many people forget to realize their phones are a prime target for criminals to access a business’s sensitive information. Many employees may want to have access to their company email on their phones, especially if they travel much for work.  Having a well thought out policy that you are comfortable with and adequate measures to check that your employees are following the procedures is essential.

Make backup copies of important business data and information

There should always be a way for you to retrieve customer’s sensitive information. Microsoft one drive is a great fairly new software program that allows you to store and share information internally.  If you can afford it, having a second server at a separate location may be necessary depending on how much information your business does store.

Cyber Security Insurance is needed for most small businesses.

Strictly control access to your computers and create user accounts for each employee

This can help dramatically if you have an internal problem. Knowing who was logged in at the time of the access can help determine where to go to find information about a hack. It may be as simple as an employee who opened a zip file in an email and they are scared to bring that to your attention fearing retribution or it may help you find the source of employee theft.

Secure your Wi-Fi networks

Properly securing your Wi-Fi network may seem like something obvious to prevent a hack. For small businesses owners without a lot of technology experience may not know how to do this or the need for this type of security. This should be the first and foremost thing a small business should do to prevent unauthorized access.  This is important to consider for businesses that are open to the public or may offer Wi-Fi access to their customers.

A Strong Password is essential to a good Cyber Security Program.

Passwords and authentication

Passwords protection is crucial to defending your business from a data breach.  It is important to give your employees hard examples of what is a good password and what is not.  What may seem secure to one employee may be something as simple as October which is not acceptable in the least bit.  Here are some examples of password you can use to demonstrate strong and weak passwords.

6f8Il,E6pg%j2

This would be an example of a password that is extremely secure.

BaSkeTBaLl_2741+3657

This would be an example of a password that is a little less secure, but easier to remember.

JoeSmith or password

These are examples of terrible passwords that should never be used.

You will find many employees like to use something similar to the middle password. This is because it has some resemblance to a word they can associate with to remember the password more easily.  I personally like this because, in the Fall I might use Football or Autumn, in the Winter I might use basketball or Thanksgiving. As long as you are keeping the other numbers and special characters random it is difficult for hackers to hack through these secure passwords.  The birthdays of yourself or a family member should never used. There should also be a time period for how frequently a password must be changed. Every 90 days is a good rule of thumb, but many businesses have different requirements based on the needs of their organizations.

6 Ways to Keep Your Small Business Safe

Safety can mean a lot of things to a lot of people. In the business world, the perception of safety can mean a lot of things to a lot of different business owners. What it takes to properly protect your business should be something that is taken very serious by all of the decision makers within your business. Safety can mean securing the property at night when you are away from the building or it can mean properly training your employees to use the equipment they will be using as part of their job. It can even be having the proper policies in place to prevent your business from a data breach. There is a laundry list of things that can be included in your businesses strategy to properly keep your business safe. Here are 6 strategies to keep in mind when protecting your small business.

Hire the right people

It may seem obvious, but the people you hire are your most precious asset. Making sure they are the right people can go a long way towards the safety of your business. There are many ways you can go about checking up on your applicants. Criminal background checks, motor vehicle driving records, investigating their references and checking their college transcripts are all great places to start. Sometimes you will have to rely on your gut reaction to them from an interview, but taking extra time to make sure the people you hire are the right people will start your business off on the right foot when attempting to keep your business safe.

recruiting-new-employeeshire

Train people effectively in the first place

Once you have hired the correct people for your organization it is not enough to just set them loose. You must properly train them in the art of protecting your business the way that is best for your organization within your industry. and think everything in your business will remain secure. They need to know what is important to your organization and how you expect them to conduct business. This may seem obvious, but far too many business owners forget this part of their organization. An employee in HR or Marketing might be coming to you from another industry. They may not see the potential risk that exists for your business in your industry. Take the financial services industry for example. This industry deals with every bit of a customers’ sensitive information, most importantly their financial accounts. If they are coming from another industry where the business does not have access to these types of materials’ they may not fully understand the need to safeguard everything they do. Another industry, like commercial cleaning, has risks where they are allowing employees in to a business after hours when they are the only people in the facility. This opens up the possibility for theft or access to internal computer networks. Training new employees properly will prevent risks from getting out of hand later.

Have well-documented, well thought out Safety Programs

Safety programs entail a lot depending on your business. Don’t be afraid to make them more or less extensive based on the needs of your business. It should start during the initial training/onboarding process for all employees. If you make it clear to them from the beginning that safety is important to your business than they will implement this in to their daily work routine. Like many things in life it is always easier to start tight and loosen up than to start loose and try to tighten up later. That works for a safety program as well.

Defensive Driving Class

Defensive Driving Program

Having a Defensive Driving Program in place can make drastic difference in the frequency and severity of accidents that occur among your employees. If you have employees that operate a vehicle as part of their job they need to have their driving record pulled at least once a year. As part of the hiring process, many businesses require employees to pay for the driving record themselves. This can help weed out applicants with the worst driving records. It saves you time and money on the front end from going through the hiring process with someone who will not be getting the job because of their driving record.

Buying the proper insurance.

Having proper insurance is essential to any good business plan. How much and what types of insurance a business needs, is completely dependent upon the business owner. It depends on how much risk they are comfortable taking and what types of risk they actually face. This is something a good independent insurance agent can help you determine. Many business owners face risks they do not realize and that is where having a long honest conversation with your agent can help you get properly insured. In most states and in most industries it is legally required to carry Workers Compensation and General Liability Coverage. But there are several other coverages that may be necessary depending upon the industry you operate in. Most carriers have programs set up for each specific classification code and they are called Business Owners’ Policies. In most cases this is the best way to go about purchasing commercial insurance.

Take cyber security seriously

Cyber security is a real threat to nearly all businesses. Regardless of how technologically advanced your business is there is a threat in the cyber world. Two of the largest data breaches in history were first started by small businesses first being hacked and allowing access to a larger network of customers through a vendor partnership. Many business owners think data breaches occur through highly technological criminals hacking in to a computer. That is the source of many data breaches, but many start with something as simple as someone leaving out a post-it note with their username and password or an employee taking a laptop home for remote work and the laptop getting stolen out of their car. Those are real risks that any business can have and they can cause a huge cost to your business when they do happen.

Get the best answers to Cyber Security questions for small business owners here at my insurance question.com