# RiskWise

> Increase Workplace Safety & Reduce Long-Run Costs


## Posts

- [Fall Workplace Maintenance: Reduce Hazards Before Winter](https://riskwise.biz/fall-workplace-maintenance-reduce-hazards-before-winter/): As the days grow shorter, businesses face new seasonal risks. Fall is the ideal time for preventative maintenance as taking small steps now can prevent costly breakdowns, compliance issues, and safety incidents in the cooler months. At RiskWise Safety Consulting, we recommend focusing on these key areas: HVAC Systems Inspect furnaces, boilers, and ventilation systems. Replace air filters and clean ducts. Test carbon monoxide detectors. Reliable heating reduces breakdowns and protects employee health. Fire Safety Test smoke detectors, alarms, and sprinklers. Confirm fire extinguishers are charged and accessible. Refresh evacuation plans with staff. Proper fire safety goes beyond compliance –
- [Drive Sober or Get Pulled Over National Campaign](https://riskwise.biz/drivesober2025/): Drive Sober or Get Pulled Over National Campaign August 13 – September 1 is the Drive Sober or Get Pulled Over national campaign organized by the National Highway Traffic Safety Administration. • Impaired driving begins with just one drink, which affects vision, mental judgment & motor skills. • In 2023, 12,429 people were killed in alcohol-impaired crashes in the U.S.—that’s one death every 42 minutes. What can you do: • Always plan a sober ride home: designate a driver, use rideshare or stay somewhere overnight. • Recognize fatigue: yawning, blurry vision, lane drifting– don’t drive, pull over, or get rest. •
- [New Year, Safer Workplaces](https://riskwise.biz/new-year-safer-workplaces/): The beginning of the year presents the perfect time for businesses to commit to creating safer workplaces. Workplace safety isn’t just about compliance, it’s about fostering an environment where employees feel safe, protected, valued, and empowered to thrive. By prioritizing safer workplaces, companies can reduce incidents, improve productivity, and build a culture of trust. Here are three key resolutions every company can implement to ensure a safer year ahead: Enhance Safety Culture A strong safety culture starts at the top. Leadership plays a crucial role in setting the tone for safer workplaces. Without commitment from leaders, safety programs often fail
- [Why Hire a Third-Party Safety Consultant vs. One In-House?](https://riskwise.biz/why-hire-a-third-party-safety-consultant-vs-one-in-house/): For many companies, a third-party can provide expert safety help without the costs of a full-time hire. At RiskWise, we offer flexible safety solutions—from written safety manuals and safety programs to OSHA compliance guidance. Our products are tailored to meet your needs, making third-party support a smart, effective choice.  A third-party safety consultant offers substantial advantages for many businesses, including:  Increases Savings  Working with a third-party safety consultant offers a unique advantage: the ability to scale services up or down, based on your business needs. Unlike hiring full-time employees with fixed, long-term costs, partnering with a safety consultant allows you
- [How Effective Safety Leadership Shapes a Positive Safety Culture](https://riskwise.biz/how-effective-safety-leadership-shapes-a-positive-safety-culture/): [vc_row][vc_column width=”3/4″][vc_empty_space][vc_custom_heading text=”How Effective Safety Leadership Shapes a Positive Safety Culture” font_container=”tag:h1|font_size:30|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:700%20bold%20regular%3A700%3Anormal” css=””][vc_empty_space][vc_column_text css=””] The Role of Leadership in Safety Culture When it comes to safety culture, leadership is everything. At RiskWise, we understand that the foundation of a successful safety program lies in the commitment of the organization’s leaders. But how do leaders truly transform the safety culture within their workplaces? Let’s explore what it means to be a safety leader and how that leadership can make all the difference. Successful Safety Programs Rely on Safety Leadership No safety program will succeed without full commitment from the organization’s
- [Top 10 Life-Saving Trench Safety Practices](https://riskwise.biz/top-10-life-saving-trench-safety-practices/): [vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css=””] Top 10 Life-Saving Trench Safety Practices [/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css=””] [/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_cta h2=”Contact Us For A Free Safety Consultation!” h2_font_container=”tag:h2|text_align:center|color:%23e72330″ h2_google_fonts=”font_family:Source%20Serif%20Pro%3A400%2C600%2C700|font_style:600%20bold%20regular%3A600%3Anormal” txt_align=”center” color=”grey” add_button=”bottom” btn_title=”Free Safety Consultation” btn_color=”danger” btn_align=”center” btn_css_animation=”bounceIn” css_animation=”bounceIn” css=”” use_custom_fonts_h2=”true” btn_link=”url:https%3A%2F%2Friskwise.biz%2Fcontact%2F”]At RiskWise Safety Consulting, we specialize in workplace safety and OSHA compliance, serving clients in Louisiana and throughout the Gulf Coast region. Our experts are here to help you implement the best safety practices and protect your workers.[/vc_cta][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css=””]Trench work is a vital part of many construction projects, but it’s also one of the most dangerous tasks on a worksite. In this article, we will cover the top
- [2024 CVSA Blitz Schedule](https://riskwise.biz/2024-cvsa-blitz-schedule/): CVSA CMV Blitz Schedule for 2024 The Commercial Vehicle Safety Alliance (CVSA) conducts several safety blitzes each year to enhance the safety of commercial motor vehicles (CMVs) and their drivers. The CVSA International Roadcheck was held May 14-16, 2024, but there are more safety blitzes to come this year. Below is the 2024 CVSA Blitz schedule, along with a brief description of each event. For more information, you can click on the provided links to visit the CVSA website. Operation Safe Driver Week Date: July 7-13, 2024 Operation Safe Driver Week is an annual enforcement and educational campaign that targets
- [Heat Safety Tool Kit](https://riskwise.biz/heat-safety-tool-kit/): Introducing the Heat Safety Toolkit The Heat Safety Tool Kit is a compact yet comprehensive collection of resources designed to equip employers with the knowledge and tools necessary to prevent heat-related illnesses at the workplace. This kit combines guides, training materials, and more to promote a culture of safety in high-temperature conditions. It’s not just a resource, but a proactive step towards a healthier, more productive workplace. Download The Heat Safety Toolkit Why Heat Safety Matters But why is this so important? Heat-related illnesses, such as heat exhaustion and heat stroke, can have severe consequences on both health and productivity.
- [2024 CVSA International Roadcheck](https://riskwise.biz/2024-cvsa-international-roadcheck/): What is the CVSA International Roadcheck? The annual Commercial Vehicle Safety Alliance (CVSA) International Roadcheck will take place May 14 to 16, 2024. This event is a 72-hour enforcement initiative where CVSA-certified law enforcement personnel conduct comprehensive inspections of commercial motor vehicles and drivers. These inspections occur at weigh stations, temporary sites, and during mobile patrols, aiming to ensure adherence to safety regulations. Here’s what you need to know to prepare and ensure your vehicles meet the standards. Focus Areas for 2024 This year’s Roadcheck will emphasize tractor protection systems and alcohol and controlled substance detection—key areas that significantly impact
- [Ladder Safety Tips](https://riskwise.biz/ladder-safety-tips/): Ladders are essential tools for various tasks but also pose significant risks. Each year, ladder accidents cause over 500,000 injuries and more than 300 deaths. Even short falls can lead to serious harm. Making ladder safety a priority is something everyone should take seriously. Pre-Use Inspection Mandatory thorough inspection before use. Check for cracked or split rails, rusted components, missing or broken parts, and accumulation of grease and debris. Unsafe ladders must be immediately marked with a “DO NOT USE” tag, signaling the need for its repair or replacement. Download the ladder inspection checklist below for guidance: Material Matters Material
- [The Louisiana Insurance Crisis](https://riskwise.biz/the-louisiana-insurance-crisis/): The High Cost of Litigation in Louisiana In a recent article from the Baton Rouge Business Report, it was revealed that Louisiana’s civil justice system imposes a substantial economic burden on the state. The Center Square’s reports underscore this impact, citing an annual loss of approximately $5.17 billion due to excessive litigation. This financial drain translates into real-world consequences, including the loss of tens of thousands of jobs, particularly in major metropolitan areas like Baton Rouge and New Orleans. Citizens Against Lawsuit Abuse, an impartial organization advocating for tort reform, has brought attention to the detrimental effects of frivolous lawsuits on local economies.
- [Understanding The OSHA Warehouse NEP](https://riskwise.biz/understanding-the-osha-warehouse-nep/): Navigating the National Emphasis Program on Warehousing and Distribution Center Operations In July 2023, The Occupational Safety and Health Administration (OSHA) rolled out a new directive, which introduces the National Emphasis Program (NEP) focusing on Warehousing and Distribution Center Operations. The OSHA Warehouse NEP is a critical development for businesses in this sector. Let’s dive into what this means for your warehouse or distribution center. What is the NEP? The OSHA Warehouse NEP is a strategic program by OSHA aimed at identifying and reducing hazards in warehousing, distribution centers, mail/postal processing and distribution centers, parcel delivery/courier services, and high injury
- [OSHA’s Top 10 Violations 2023](https://riskwise.biz/oshas-top-10-violations-2023/): OSHA’s Top 10 Violations 2023  At the National Safety Council (NSC) Safety Congress & Expo in 2023, Eric Harbin, OSHA Region 6’s regional administrator, shared OSHA’s top 10 violations for the fiscal year 2023 (spanning October 1, 2022, to September 29, 2023). Here’s a detailed look at the top 10 violations for this period: 10. Machine Guarding (1910.212) Continuing its presence in the top 10, Machine Guarding saw an increase in violations from 1,370 in FY 2022 to 1,644 in FY 2023. Plastic products manufacturers were most commonly cited. Machine guards are essential safety tools designed to protect employees from
- [New OSHA Recordkeeping Rule: Starting January 2024](https://riskwise.biz/new-osha-recordkeeping-rule-starting-january-2024/): New OSHA Recordkeeping Rule for High-Hazard Industries In a significant development aimed at enhancing workplace safety and transparency, the U.S. Department of Labor has announced a new OSHA recordkeeping rule that will expand submission requirements for injury and illness data provided by certain employers in designated high-hazard industries. This rule, set to take effect on January 1, 2024, has far-reaching implications for employers and employees alike.  Key Provisions of the New OSHA Recordkeeping Rule : 1. Case-Specific Information: Certain establishments must electronically submit to OSHA detailed information about each recordable injury and illness entered on their previous calendar year’s OSHA
- [OSHA Noise Control: Essential Safety Tips For Your Workplace](https://riskwise.biz/are-you-following-oshas-noise-standards/): OSHA Noise Control Overview OSHA, the Occupational Safety and Health Administration, serves as a federal agency in charge of ensuring safe and healthy working conditions for employees in the United States. One of OSHA’s primary areas of focus revolves around the control of workplace noise. Excessive noise exposure in the workplace can result in permanent hearing loss, underscoring the critical importance of OSHA Noise Control measures. Permissible Exposure Limits (PEL) OSHA has set permissible exposure limits (PELs) for workplace noise. The PEL for noise exposure is 90 decibels (dBA) over an eight-hour time-weighted average. When noise levels reach or exceed
- [CVSA Brake Safety Week: 10 Tips on Brake Linings and Pads](https://riskwise.biz/cvsa-brake-safety-week-10-tips-on-brake-linings-and-pads/): Gear Up For Brake Safety Week: August 20-26, 2023 The Commercial Vehicle Safety Alliance (CVSA) Brake Safety Week is swiftly approaching, set to run from August 20-26, 2023. Brake Safety Week brings commercial motor vehicle (CMV) inspectors together to emphasize the vital role of brake systems. Inspectors will conduct inspections of CMV brake system components and remove any vehicles found with brake-related out-of-service violations from our roadways. This event is a reminder that safety and compliance are inextricably linked. 10 Tips for Maintaining Brake Linings and Pads The focus of this year’s Brake Safety Week is on the condition of
- [Beat the Heat: Tips for Preventing Heat-Related Illnesses at Work](https://riskwise.biz/beat-the-heat-tips-for-preventing-heat-related-illnesses-at-work/): Understanding Heat-Related Illnesses: Know the Risks As the summer sun intensifies, it becomes crucial to focus on preventing heat-related illnesses at work, especially for outdoor workers. Heat stress, heat exhaustion, and heat stroke pose serious risks to employee well-being and productivity. Implement these valuable tips and strategies to safeguard against heat-related illnesses, and create a safe and comfortable environment for your employees. Stay Hydrated: Outdoor workers should drink plenty of water throughout the day (1 cup of water every 15 to 20 minutes), even if they don’t feel thirsty. Dehydration is a significant risk factor for heat-related illnesses. Provide access
- [Prepare Your Worksite for Severe Weather Conditions](https://riskwise.biz/5-tips-to-prepare-your-worksite-for-severe-weather-conditions/): Prepare Your Worksite for Severe Weather Conditions The summer months bring their own set of challenges for the construction industry, especially when it comes to ensuring the safety of your workers during severe weather. From extreme heat to severe storms and hurricanes, there are numerous threats to consider and plan for. While you can’t control the weather, you can control how your company responds. By being proactive and implementing a comprehensive weather safety protocol, you can mitigate risks and safeguard your workforce. Here’s how you can prepare your worksite for severe weather conditions: Heat-Related Illness Prevention: High temperatures can lead
- [FMCSA Changes Clearinghouse Inquiry Requirements](https://riskwise.biz/fmcsa-changes-clearinghouse-inquiry-requirements/): Pre-employment Investigations for Drugs and Alcohol  Motor carriers will no longer be required to reach out to previous employers for drug-and-alcohol-related information about prospective drivers. As of January 6, 2023, conducting a pre-employment Clearinghouse query will satisfy the requirement to investigate a prospective driver’s previous drug and alcohol program violations. Official update from FMCSA Clearinghouse Requirements: Request electronic consent from the driver for pre-employment queries. Conduct a full query of the FMSCA Drug & Alcohol Clearinghouse as part of each pre-employment driver investigation process. Annual queries must still be conduct for all currently employed drivers. Clearinghouse query results should be kept in the
- [OSHA Form 300A Posting Requirements](https://riskwise.biz/osha-form-300a-posting-requirements/): [vc_row][vc_column][vc_column_text css=””] OSHA Form 300A Posting Requirements Each year, the Occupational Safety and Health Administration (OSHA) requires employers subject to its injury and illness recordkeeping requirements to post copies of their OSHA Form 300A from February 1 until April 30. The OSHA Form 300A is called the “Summary of Work-related Injuries and Illnesses” and must be completed using data from the previous calendar year. Post a copy of the summary in each establishment in a conspicuous place or where notices to employees are usually posted. Who is subject to this requirement? Businesses with more than 10 employees must keep OSHA
- [FMCSA Revokes Electronic Logging Device](https://riskwise.biz/fmcsa-revokes-electronic-logging-device/): Photo credit: trucks.com ELDorado ELD Revoked by FMCSA On September 7, 2022, the FMCSA removed an ELDorado ELD from the list of registered ELDs due to the company’s failure to meet the minimum requirements established in 49 CFR part 395, subpart B, appendix A. Motor carriers and drivers using the ELDorado ELD have 60 days to replace the revoked device with compliant ELDs. Device Details: ELD Name: ELDorado ELD Model number: ERS ELD Identifier: ERS186 ELD Provider: ELDorado This device now appears on FMCSA’s Revoked Devices list. Motor carriers and drivers who use the device listed above must take the
- [10 Reasons to Stop on Red](https://riskwise.biz/10-reasons-to-stop-on-red/): When you run a red light, you knowingly put yourself and others at risk of a fatal accident. Red light runners cause hundreds of deaths and tens of thousands of injuries each year. As you try to speed through the intersection, other motorists who now have the right of way are doing the same, so there is a high risk that a collision would occur. 10 Reasons to Stop on Red: It is 100% preventable. Just STOP ON RED In 2020, 928 people died and 115,741 were injured due to red-light running In 2020, the U.S. witnessed the largest number
- [CSB Releases Final Report into 2017 Pressure Vessel Explosion at Loy-Lange Box Company in St. Louis](https://riskwise.biz/csb-releases-final-report-into-2017-pressure-vessel-explosion-at-loy-lange-box-company-in-st-louis/): CSB says poor Safety Management was a contributing factor Washington, D.C. August 2, 2022 – The CSB has released its final report into a 2017 explosion that occurred at the Loy-Lange box company in St. Louis, MO and resulted in the death of four people. The incident occurred when a pressure vessel catastrophically failed fatally injuring one employee at the company and launching the pressure vessel from the building and through the roof of a nearby business, fatally injuring three members of the public. The Chemical Safety Board investigated and found that over the course of many years, an area
- [Brake Safety Week August 21-27](https://riskwise.biz/brake-safety-week-august-21-27/): Brake Safety Week August 21-27, 2023 Brake Safety Week is part of the Commercial Vehicle Safety Alliance (CVSA) Operation Airbrake Program. The goal of this program is to reduce the number of highway crashes caused by faulty braking systems on commercial motor vehicles (CMVs) by conducting roadside inspections and educating drivers, mechanics, owner-operators, and others on the importance of proper brake inspection, maintenance, and operation. During this event, CMV inspectors will conduct their usual North American Standard Inspections (Levels I and V) as well as brake system inspections on large trucks and buses to identify brake-system violations. In addition, inspectors
- [CVSA Operation Safe Driver Week 2022](https://riskwise.biz/cvsa-operation-safe-driver-week-2022/): Operation Safe Driver Week July 10-16, 2022 Operation Safe Driver Week is a safe-driving awareness and outreach initiative aimed at improving the driving behaviors of passenger vehicle drivers and commercial motor vehicle drivers through educational and traffic enforcement strategies and interactions with law enforcement. The next Operation Safe Driver Week is scheduled for July 10-16, 2022. Throughout Operation Safe Driver Week, law enforcement personnel will be on the lookout for commercial motor vehicle drivers and passenger vehicle drivers engaging in risky driving. Identified unsafe drivers will be pulled over and issued a citation or warning. Data shows that traffic stops and
- [OSHA's Heat NEP: What You Need to Know](https://riskwise.biz/oshas-heat-nep-what-you-need-to-know/): [vc_row css=”.vc_custom_1660073022162{margin-top: 20px !important;}”][vc_column][vc_custom_heading text=”OSHA’s Heat NEP: What You Need to Know” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” use_theme_fonts=”yes”][vc_separator color=”white”][vc_single_image image=”15338″ img_size=”large” alignment=”center”][vc_column_text]What is the National Emphasis Program (NEP) on heat? The NEP creates, for the first time, a nationwide enforcement mechanism for OSHA to proactively inspect workplaces for heat-related hazards in general industry, maritime, construction, or agriculture operation alleging hazardous exposures to heat (outdoors and/or indoors). This means that OSHA can now launch heat-related inspections on high-risk worksites before workers suffer preventable injuries, illnesses, or fatalities. The NEP encourages employers to protect workers from heat hazards by providing employees access to water, rest, shade,
- [April Is Distracted Driving Awareness Month](https://riskwise.biz/april-is-distracted-driving-awareness-month/): [vc_row][vc_column][vc_empty_space][vc_column_text] April Is Distracted Driving Awareness Month [/vc_column_text][vc_column_text]In observance of the National Safety Council’s Distracted Driving Awareness Month, our RiskWise team has prepared a few tips to help you and your team stay safe on the road. The Dangers of Multi-Tasking At The Wheel While there may be little you can do to control another person’s driving, there is plenty you can do to reduce your own driver distractions.  To minimize your risks while driving, avoid: Talking on a cell phone or to other passengers Touching up makeup or hair in the rearview mirror Tending to smoking materials   Adjusting the
- [Lights and Ladders: Holiday Safety Tips](https://riskwise.biz/lights-and-ladders-holiday-safety-tips/): [vc_row][vc_column][vc_empty_space][vc_column_text] Lights and Ladders: Holiday Safety Tips [/vc_column_text][vc_column_text] ‘Tis the season to put up the holiday lights and decorations, so here’s a quick reminder about ladder safety. Use a ladder that is of a grade suitable for the task and your weight. Always follow the manufacturer’s instructions and warnings. Before using a ladder, check the following: Danger label on side of ladder warning of falling hazard Right height for job with non-slip feet No signs of warping, rust, corrosion, or missing parts Placed on level, firm footing and securely locked and braced into place Make sure there are no power
- [How to Prevent Workplace Accidents](https://riskwise.biz/how-to-prevent-workplace-accidents/): [vc_row][vc_column][vc_empty_space][vc_column_text] How to Prevent Workplace Accidents [/vc_column_text][vc_column_text]Despite common belief, accidents don’t just happen out of the blue. They occur when causal factors line up that put workers in a situation that increases a hazard that may or may not lead to injury or property damage. However, as research shows, by maintaining good worker behavior and safe working conditions, modifying bad behavior and providing ongoing safety education, you can reduce risk and prevent a number of on-site accidents and injuries. Reach out today to start protecting your workplace![/vc_column_text][vc_empty_space height=”10px”][/vc_column][/vc_row][vc_row][vc_column][vc_raw_html]JTNDaWZyYW1lJTIwd2lkdGglM0QlMjI1NjAlMjIlMjBoZWlnaHQlM0QlMjIzMTUlMjIlMjBzcmMlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy55b3V0dWJlLmNvbSUyRmVtYmVkJTJGanVncW5yS1NoQmMlMjIlMjB0aXRsZSUzRCUyMllvdVR1YmUlMjB2aWRlbyUyMHBsYXllciUyMiUyMGZyYW1lYm9yZGVyJTNEJTIyMCUyMiUyMGFsbG93JTNEJTIyYWNjZWxlcm9tZXRlciUzQiUyMGF1dG9wbGF5JTNCJTIwY2xpcGJvYXJkLXdyaXRlJTNCJTIwZW5jcnlwdGVkLW1lZGlhJTNCJTIwZ3lyb3Njb3BlJTNCJTIwcGljdHVyZS1pbi1waWN0dXJlJTIyJTIwYWxsb3dmdWxsc2NyZWVuJTNFJTNDJTJGaWZyYW1lJTNF[/vc_raw_html][/vc_column][/vc_row]
- [Hurricane Preparedness Tips for Your Business](https://riskwise.biz/hurricane-preparedness-tips-for-your-business/): [vc_row][vc_column][vc_empty_space][vc_column_text] Hurricane Preparedness Tips for Your Business [/vc_column_text][vc_column_text] As we anticipate the arrival of Hurricane Ida, our RiskWise team has prepared some tips to keep you, your business and your team safe. We hope that this information helps to eliminate any risks that may come from this inclement weather! [/vc_column_text][vc_column_text] Be sure to shut down all processes safely. Inspect Roof edging strips Gutters Flashing Covering Drains Sign and stack supports Guy wires Anchorages Check for weak doors, window latches, hardware and panel fastenings. Brace unsupported structural members at construction sites. Ensure your important records are kept in a safe place,
- [Brake Safety Week](https://riskwise.biz/brake-safety-week/): [vc_row][vc_column][vc_empty_space][vc_column_text] Brake Safety Week [/vc_column_text][vc_column_text]The annual, Commercial Vehicle Safety Alliance-sponsored Brake Safety Week is scheduled for Sunday, August 22 through Saturday, August 28. While the emphasis is on brake systems, inspectors will be conducting full roadside inspections during the event. During Brake Safety Week, inspectors pull over commercial motor vehicles to conduct North American Standard Inspections. They focus on brake systems and components, and this year, they will be especially focused on brake hoses and tubing, which continue to be top contributors to violations and out-of-service orders, according to Federal Motor Carrier Safety Administration (FMCSA) data. While inspecting for brake
- [Employer Guidelines for the Coronavirus](https://riskwise.biz/employer-guidelines-for-the-coronavirus/): [vc_row css=”.vc_custom_1583268005349{padding-top: 60px !important;}”][vc_column][vc_row_inner][vc_column_inner width=”1/2″][vc_custom_heading text=”Employer Guidelines for the Coronavirus” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” use_theme_fonts=”yes”][vc_column_text]Although much is unknown about how COVID-19 spreads, we can use our current knowledge of similar coronaviruses to create guidelines for businesses and employers. Coronaviruses are a diverse family of viruses that are common in humans and different animal species. However, animal coronaviruses can occasionally crossover and infect people, similar to  MERS-CoV and SARS-CoV. The virus that causes COVID-19 originated in China and new reports of cases are constantly appearing across the globe. The following guideline may help prevent workplace exposures to COVID-19.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″][vc_single_image image=”15062″ img_size=”full”][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=”1/2″][vc_custom_heading text=”Actively encourage
- [The OSHA Recordkeeping Standard](https://riskwise.biz/osha-recordkeeping-standard/): [vc_row css=”.vc_custom_1660072736422{margin-top: 20px !important;}”][vc_column][vc_custom_heading text=”The OSHA Recordkeeping Standard” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” use_theme_fonts=”yes”][vc_empty_space height=”20px”][vc_column_text] [/vc_column_text][vc_column_text]As OSHA continues to reach out to employers to encourage a higher level of compliance with OSHA standards, a simplified method of recording workplace injuries has been developed. The new OSHA Log of Occupational Injuries and Illnesses is simplified in format and language. The OSH Act of 1970 requires (certain) employers to prepare and maintain records of work-related injuries and illness. Up to now, the required form was the OSHA 200 Log of Occupational Injuries and Illnesses. We will record and maintain all necessary forms and documentation about our
- [The Final OSHA Rule on Electronic Submissions](https://riskwise.biz/the-final-osha-rule-on-electronic-submissions/): In 2017 OSHA implemented its 2017 final rule on electronic submissions of OSHA logs. This final rule requires certain employers to electronically submit the injury and illness data that they are already required to record on their onsite OSHA Injury and Illness forms. Analysis of this data will enable OSHA to use its enforcement and compliance assistance resources more efficiently. OSHA believes that public disclosure will encourage employers to improve workplace safety and provide valuable information to workers, job seekers, customers, researchers and the general public. The amount of data submitted will vary depending on the size of company and
- [Commercial Driver's License Drug and Alcohol Clearinghouse](https://riskwise.biz/commercial-drivers-license-drug-and-alcohol-clearinghouse/): [vc_row][vc_column][vc_empty_space][vc_custom_heading text=”Commercial Driver’s License and Drug and Alcohol Clearinghouse” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” use_theme_fonts=”yes”][vc_empty_space][vc_single_image image=”14988″ img_size=”full” alignment=”center”][vc_row_inner][vc_column_inner][vc_column_text] Overview The Federal Motor Carrier Administration (FMCSA) recently established the Commercial Driver’s License (CDL) Drug and Alcohol Clearinghouse (Clearinghouse). This new database contains information pertaining to violations of the U.S. Department of Transportation’s (DOT) controlled substances (drugs) and alcohol testing program for holders of CDLs.   The Clearinghouse rule requires FMCSA-regulated employers, Medical Review Officers (MROs), Substance Abuse Professionals (SAPs), consortia/third party administrators (C/TPAs), and other service agents to report the Clearinghouse information related to violations of the drug and alcohol regulations in Code 49 of Federal
- [Listmakers Top 100 Private Companies](https://riskwise.biz/listmakers-top-100-private-companies/): RiskWise Works with 10% of the companies in the Baton Rouge Business Reports Listmakers Top 100 Private Companies! Download Top 100 
- [Preventing Heat Stress](https://riskwise.biz/preventing-heat-stress/): [vc_row][vc_column][vc_custom_heading text=”” font_container=”tag:h1|text_align:left” use_theme_fonts=”yes” subtitle=”Preventing Heat Stress” subtitle_color=”#000000″][vc_empty_space height=”20px”][vc_column_text][/vc_column_text][/vc_column][/vc_row]
- [Calculating an Experience Modification Factor](https://riskwise.biz/calculating-an-experience-modification-factor/): [vc_row][vc_column][vc_custom_heading text=”” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” use_theme_fonts=”yes” subtitle=”Calculating an Experience Modification Factor” subtitle_color=”#000000″][vc_empty_space height=”20px”][vc_column_text][/vc_column_text][/vc_column][/vc_row]
- [Four Items Needed for a Successful Safety Process](https://riskwise.biz/four-items-needed-for-a-successful-safety-process/): [vc_row][vc_column][vc_custom_heading text=”” font_container=”tag:h1|text_align:left” use_theme_fonts=”yes” subtitle=”Four Items Needed for a Successful Safety Process” subtitle_color=”#000000″ css=”.vc_custom_1660072499878{margin-top: 20px !important;}”][vc_raw_js]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[/vc_raw_js][/vc_column][/vc_row]
- [OSHA - Site Specific Targeting 2016 (SST-16) Program](https://riskwise.biz/osha-site-specific-targeting-2016-sst-16-program/): Going forward, OSHA will be targeting high injury rate establishments in both the manufacturing and non-manufacturing sectors for inspections.  The program uses injury and illness information electronically submitted by employers for calendar year (CY) 2016.  Under this program, the agency will perform inspections of employers that the agency believes should have provided 300A data electronically, but did not for the CY 2016 injury and illness data collection. For CY2016, OSHA required employers to electronically submit Form 300A data by December 15, 2017.  The CY17 deadline was July 1, 2018; however, employers may still provide information to the database. Establishments with 250
- [Workers’ Compensation Summary](https://riskwise.biz/workers-compensation-summary/): Workers’ Compensation is a type of business insurance that protects workers’ and the employer from the cost of workplace injuries. The purpose of the law is to ensure that workers’, if injured, receive medical care and are able to get their wages replaced if unable to return to work. Why are Workers’ Compensation laws needed? Before state Workers’ Compensation laws, injured workers had to sue their employer in tort at common law to gain recovery for the cost of medical treatment and lost wages. Employee’s had to prove that the employer was negligent in failing to exercise a reasonable degree
- [Workers Compensation and Employers Liability Insurance](https://riskwise.biz/workers-compensation-and-employers-liability-insurance/): Every state has special laws that mandate immediate medical care for workers injured on the job. Those laws also provide for financial compensation for the worker’s loss of earnings due to those injuries, as well as recovery form occupational injuries sustained in the workplace. If the injury is fatal, death benefits are provided for surviving spouse and children. Occupational disease is also part of these laws, and workers are entitled to compensation for disability due to those diseases. All workers compensation legislation have five specific objectives: Prompt payment of adequate benefits to injured workers or their dependents according to fixed
- [Workers' Comp and FMLA, ADA, and HIPAA](https://riskwise.biz/workers-comp-and-fmla-ada-and-hipaa/): Workers’ compensation laws are state statues. But there can still be interplay between workers’ comp and federal employment laws like FMLA, ADA, and HIPAA. Workers’ Comp and FMLA: Federal Family and Medical Leave Act (FMLA) regulations provide that leave taken pursuant to a workers’ comp claim would be considered FMLA leave for a serious health condition and counted in the leave entitlement permitted under the FMLA, as long as the situation otherwise meets the criteria for FMLA leave. In such cases, you may designate the leave as FMLA leave and count the leave against the employee’s FMLA leave entitlement, with
- [Why Employers Seek Short-Term Solutions](https://riskwise.biz/why-employers-seek-short-term-solutions/): At issue is Workers’ Compensation Insurance, or any line insurance for that matter. Employers, for as long as they wish to remain in business, will need Workers’ Compensation insurance to cover the legal obligation of paying for the cost of injuries to employees. The presence of risk of loss in the workplace is a long-term problem. Yet the solution is to “shop” for Workers’ Compensation coverage every year in the hopes of reducing the price of the coverage through a competitive market of carriers quoting their business. This is a Short-Term approach. What the Employer fails to see and understand,
- [Accidents During Company Recreational Activities](https://riskwise.biz/accidents-during-company-recreational-activities/): Many employers provide their employees with opportunities for recreation and socializing with their fellow workers. The purposes of such activities vary and may include goals such as increased camaraderie among workers or increased goodwill within the business community. However, at what point does an injury during a recreational event give rise to a workers’ compensation claim? According to the law (La.R.S. 23:1031A), an injury is compensable as a workers’ compensation claim if it is the result of “an accident arising out of and in the course of … employment.” In applying this rule to recreational activities, the Louisiana Supreme Court,
- [United States Longshore & Harbor Workers’ Act](https://riskwise.biz/united-states-longshore-harbor-workers-act/): The United States Longshore & Harbor Workers Act is a federal statue that dictates the benefits that will be provided by the employer (or insurance carrier) in the event the injured worker is deemed to be a Longshoreman. To be considered a Longshoreman the injured worker must have situs and status. The law is invoked in workplaces that provide services on, near or adjacent to navigable waters of the United States. Workers that are injured on the Outer Continental Shelf have automatic situs and status. Workers injured in federal waters usually enjoy this coverage. Workers in Shipyards are deemed Longshoreman.
- [Theories of Accident Causation](https://riskwise.biz/theories-of-accident-causation/): This article attempts to deliver explanation s of why accidents occur by analyzing the fundamental and developmental predecessors to accidental events. Accidents, events that injure people, damage property and equipment don’t just happen. They are not random acts of fate that occur out of the blue. Rather accidents are the combination of events that come together to create a flow of process where a progression of events leads to a negative outcome, an accident. The need for a theory reflects the difficulties in providing logical and rationale explanations as to actually why certain events, people, equipment interacted to generate a
- [The Three Types of Hazards](https://riskwise.biz/the-three-types-of-hazards/): Risk Management involves the understanding of the predominant three hazards groups and how those hazards, left untreated, lead to losses. Hazard Analysis is the term used to describe and articulate the components that start the chain of causation that leads to injury. Hazards create exposures that need to be recognized, evaluated and controlled. A hazard is any condition that has the potential to cause a loss. The goal of hazard identification and remediation is to eliminate the hazard, if feasible, and if not, to reduce the exposure down to a level where it is impractical to cause an injury. The
- [The Ripple Effect of Safety](https://riskwise.biz/the-ripple-effect-of-safety/): The development and implementation of a workplace safety program or the lack of such a program has a ripple effect that flows to affect other aspects of the organization. When a company has established a safety program and has educated workers on what is expected in the performance of their jobs, positive benefits flow back to that organization. This is a return on the investment of the safety education. The positive benefits that enhance an organization include: 1) improved productivity as workers aren’t missing work due to injuries 2) improved morale among employees as they aren’t talking about that “missing
- [The Performance of Persistence](https://riskwise.biz/the-performance-of-persistence/): Calvin Coolidge said: “Nothing in the world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination are omnipotent.” Persistence is defined as: 1) to continue in pursuit of any course commenced 2) to continue in the face of some amount of opposition 3) to be insistent (The New Webster’s Dictionary). We have all heard the saying that when the going gets tough the tough get going, that is a
- [The History of Workplace Health & Safety](https://riskwise.biz/the-history-of-workplace-health-safety/): Workplace safety and health slowly became issues as the United States rapidly industrialized. Unions and reformers first promoted the need for safer working conditions. Workers had few options if they became injured or ill on the job until state governments created regulations for industries like coal mining and manufacturing. Many viewed the system of state laws that protected workers as imperfect, and Congress stepped in to regulate workplace safety at the beginning of the 1970s. 1. Workplace Safety and Health in the Late 19th Century Concern over workers’ safety and health on the job arose in the late 1900s as
- [The Attractive Nuisance Doctrine](https://riskwise.biz/the-attractive-nuisance-doctrine/): Under Common Law, it was generally held that a landowner owed no duty of care to a trespasser other than refraining from creating a dangerous condition or instrumentality designed to inflict injury to the trespasser. Over time, however, an exception to this general rule evolved for the protection of young children who have somehow been “enticed” onto the property by a “dangerous instrumentality” that catches the imagination of recreation. An early Washington Street decision, for example imposed liability on a railway company following the death of a child from playing on an unsecured turntable. In finding for the plaintiff, the
- [The ARRT of Risk Management](https://riskwise.biz/the-arrt-of-risk-management/): The risk management function requires an understanding of loss exposures, those items of value at risk of reduction in value from natural and man-made perils. There are four basic risk management treatments which may be used alone or in combination with other forms to control a loss exposure. Remember that risk is a good thing as it allows productivity to take place from which comes revenues and (hopefully) profit. However, uncontrolled risk is a bad thing as it jeopardizes the value of the assets from which productivity takes place. There are four basic approaches to risk control. The four risk
- [The Standardization of Loss Runs](https://riskwise.biz/the-standardization-of-loss-runs/): The analysis of loss runs by those individuals that benefit from the report is critical to determining an employers’ past injury sources so a corrective action agenda can be established. The users of Loss Runs are Underwriters, Agents, Loss Control Reps, Attorneys, Reinsures and others representing a broad cross section of education and experience. Therefore, simplification of these valuable reports will serve to expedite an understanding of the data they contain. The review of loss runs, prior to the actual visit of an account, can help steer the Loss Control professional to the problem area and that improves efficiency as
- [Safety Management Program Stages](https://riskwise.biz/safety-management-program-stages/): Top management has to participate and lead the safety effort to prevent workplace injuries. Without top management participation and leadership there is no safety program and accidents become an issue of random fate or luck. Workplace injuries, to use an economics term, are negative externalities. That is, injuries are something the company can do without. Other examples are pollution, crime, poor quality, etc. Workplace injuries are preventable with consistent action focused in strategic areas. However, not all companies are created equal. Based on background, resources, industry norms, years in the business and other factors, most companies will fit into one
- [Screening and Hiring; An Employers’ First Line of Defense](https://riskwise.biz/screening-and-hiring-an-employers-first-line-of-defense/): In this day and age of rampant litigation stemming from employment related issues, it is important for employers’ to understand that the appropriate screening and hiring of workers’ is a vital function that must be performed legally, consistently and diligently. According to a study by Liability Consultants, damage awards for negligent hiring between 1983 thru 1985 lawsuits averaged $810,000! In addition, the number of lawsuits filed has increased over past years. Employers’ retain and thru premium payments, transfer significant risk due to the intention, conduct and actions of employees from claims filed under Workers’ Compensation, Employment Practices Liability, General Liability,
- [Safety Merit Pay](https://riskwise.biz/safety-merit-pay/): No doubt, the organization has invested valuable resources to educate the workforce in workplace safety. These efforts are directed at the goal of changing the safety culture of our company. In spite of those efforts, hazards both physical and behavioral still exist in the worksite. Worksite location supervisor accountability is the key to consistent safety performance! They are hired and get paid more money to over see the crew and direct the work. They have the knowledge and experience needed to get the job completed. They are in the best position on a daily basis to implement the safety rules
- [Safety Equals Savings](https://riskwise.biz/safety-equals-savings/): The Natural Council on Compensation Insurance (NCCI) uses a complex formula to calculate an experience modification factor (mod) for eligible employers. In layman’s terms, your mod is simply the amount of your actual work comp losses divided by your expected losses based on your industry. Currently, companies with several smaller losses have a higher mod than companies with one single large loss-even if the total dollars are the same. That’s because NCCI accepts that accidents really do happen. The penalty goes to the company that doesn’t work hard at prevention, allowing injuries to continue. NCCI annually produces a mod worksheet
- [Safety Training or Safety Education](https://riskwise.biz/safety-training-or-safety-education-2/): The provision of safety information to employees at the time of hire and then on an ongoing basis is a simple and cost effective method to prevent injuries. The delivery of such information attempts to accomplish several objectives; create a body of employee knowledge where they can implement the information given to protect themselves and prevent injuries. Also, it validates the Safety Mission Statement that management seeks to create an organization where workplace safety is part of the culture of the company. While the delivery of safety information is required by federal law (OSHA) and may be required by your
- [Safety Culture](https://riskwise.biz/safety-culture/): Definition: The safety culture is the product of values, attitudes, perceptions, competencies, and patterns of behavior that determine the commitment to, and the style and proficiency of, an organization’s health and safety management. Organizations with a positive safety culture are characterized by communications founded on mutual trust, by shared perceptions of the importance of safety, and by confidence in the efficacy of preventive measures. “The first duty of business is to survive and the guiding principle of business economics is not the maximization of profit but the avoidance of loss” To be successful, safety must be more than a program
- [Analysis of Risk Transfer Products](https://riskwise.biz/analysis-of-risk-transfer-products/): In a shifting marketplace, it is important to know the different types of risk financing products and how they may or may not fit your particular situation. The selection of the appropriate risk financing product will be a decision based on the level risk tolerance of the insured, Balance Sheet of the insured, Loss Experience of the Insured, the marketplaces willingness to offer such products and risk management knowledge. Also, a detailed analysis of the cost/benefit of each approach is warranted. In this article we will explore guaranteed cost, retrospective rated plans, deductible plans, captive programs and self-insurance programs. Guaranteed
- [Retrospective Rating Programs](https://riskwise.biz/retrospective-rating-programs/): Retrospective Rating Programs, hereafter called Retro’s, is a type of insurance pricing tool used in Workers’ Compensation insurance to reward and possibly penalize insured’s based on Loss Ratio performance. The Retro is a Loss Sensitive pricing mechanism which means that the ultimate cost of coverage to the policyholder is a function of the losses that have occurred during the policy period. The Retro, or any loss sensitive product for that matter, is attached to the Standard NCCI contract which modifies the contract to allow the pay-out/ pay-in as warranted. Retro’s are different from other loss sensitive products becasue the ultimate
- [What is the reason for safety?](https://riskwise.biz/what-is-the-reason-for-safety/): Like most endeavors that require a company’s time and investment the case has to be made on a cost benefit analysis to undertake such an endeavor. Safety is not different. The actions, efforts and time spent on safety activity must yield fruit in t he form of economic benefit or an employer can just leave the risk of loss to a reactive event and call on the insurance policies procured to handle issues/claims/losses, if and when they manifest. The resin for safety can be summed up into to 5 major categories’: 1) Humanitarianism 2) Regulatory compliance 3) Insurance cost reduction
- [Qualified vs. Certified](https://riskwise.biz/qualified-vs-certified/): Does certification surpass qualification & the reward for compliance? When OSHA released the revised construction and crane standard (1926 Subpart CC), they required construction riggers and signal persons to be “qualified” by November 2010 and crane operators be “certified” by November 2014. However, the language surrounding certification raised concern with industry stakeholders, and OSHA extended the deadline for operator certification by 3 years. As it stands today, operators are required to be qualified, but by November 10, 2017, all construction crane operators must be certified. So what was the controversy about? What do you need to do to reach compliance?
- [Prepare Now for Business Interruption](https://riskwise.biz/prepare-now-for-business-interruption/): Do you have a business continuity plan you can count on? Approximately 70% of Americans have at least some form of evacuation plan at home, but only 25% of small businesses have a disaster plan. Make sure you are prepared by taking these steps to create a customized business continuity plan. Step 1: Assemble Your Team Mitigating and recovering from disasters is a team effort and takes a well – developed plan. All facets of your organization must be prepared – therefore everyone should be involved in the planning process. First, establish leadership support within your organization for internal resources
- [Personal Protection Equipment](https://riskwise.biz/personal-protection-equipment/): Every year approximately 712,000 work days are lost and 4 fatalities occur due to the lack of Personal Protection Equipment usage. Personal Protection Equipment (PPE) is the last line of defense to prevent injuries to employees. Only after all other methods of hazard control have been exhausted, only then should PPE be utilized to prevent worker injury. Hazards have a hierarchy of safety controls, that is, the first steps to be taken to eliminate the hazard should be performed and followed down to the least preferred method. A quick review of the prevention techniques to consider before PPE is used
- [Packaging Your Account to be Underwritten for Insurance](https://riskwise.biz/packaging-your-account-to-be-underwritten-for-insurance/): As a former Underwriter, it is my opinion that the time spent to prepare your account to become a submission (a request for an insurance quote) is an investment in potentially lower insurance cost and possibly more carriers/quotes to choose from. This information is focused on the underwriting of Workers’ Compensation insurance but the principles can be applied to all lines of coverage. When your account is submitted to an insurance company it is usually in the form of a submission prepared by your insurance agent(s). That submission ‘paints a picture’ for the underwriters who decides what is a fair
- [OSHA PPE Rule](https://riskwise.biz/osha-ppe-rule/): OSHA’s PPE standard (29 CFR 1910.132[h]) says that employers must pay for most types of PPE when used by employees exclusively in the workplace (that is, not for personal use at home or other non-workplace activities). The general rule of thumb is that you must pay for PPE whenever an OSHA rule explicitly requires it, such as for respiratory protection when air contaminant levels are above the PEL or hearing protection when noise exceeds established decibel levels. OSHA’s “employer pays rule” also mandates that you pay to replace required PPE on a regular basis. But you don’t have to pay
- [Multi-Employer Worksites-Contractor Requirements Worksite Safety](https://riskwise.biz/multi-employer-worksites-contractor-requirements-worksite-safety/): The Occupational Safety and Health Administration (OSHA) issued a Compliance Directive to OSHA Inspectors on September 26, 1994 with regards to evaluating the parties responsible for jobsite hazards when more than one contractor is working on a site. The Compliance Directive was issued in the Field Inspection Reference Manual (FIRM), the Manual used by OSHA Compliance Inspectors to evaluate worksites. The Compliance Directive (CPL) is Instruction CPL 2-0.124 and is called Multi-Employer Citation Policy. The purpose of the Multi Employer Worksite Directive is to clarify OSHA’s position in dealing with situations with multiple employers on a common worksite, which is
- [Louisiana is a Leader in Workplace Safety](https://riskwise.biz/louisiana-is-a-leader-in-workplace-safety/): Louisiana employers take workplace safety and health very seriously. Workplace safety is no party in Louisiana where employers have to stay focused on loss prevention due to the high severity types of operations such as; fabrication yards, oilfield operations, trucking and the maritime industry. Two recent articles give evidence to these statements. In the March issue of The Agents Voice, published by the Professional Insurance Agents, the President of the Louisiana Business and Trade Association, Dan Juneau, points to NCCI statistics. NCCI is the National Council on Compensation Insurance and is the governing body of the workers’ compensation insurance industry.
- [Lessons from Katrina](https://riskwise.biz/lessons-from-katrina/): As most of you know, hurricane Katrina dealt a devastating blow to the Gulf Coast of the United States. The hardest hit areas were East of New Orleans, LA. The actual city of New Orleans fared well in the storm but the wind force caused significant window damage to some of the taller buildings. As these buildings were built many years ago surely the architects knew the geography of the region, with regards to the potential for a hurricanes coming out of the Gulf of Mexico, you might think that the buildings could have been engineered to with stand Category
- [Late Reported Workplace Injury Claims and Higher Case Cost](https://riskwise.biz/late-reported-workplace-injury-claims-and-higher-case-cost/): In an effort to minimize the cost of workers’ compensation insurance cases, employers should require employees to report all incidents, injuries and property damage immediately to a supervisor. This should be a written policy that is signed by employees at the time of hire that all incidents must be reported immediately. In addition, work-place awareness posters should be displayed that all injuries should be reported immediately as to demonstrate that the employer has given the workers adequate notice of what is required. This forms the basis of your workplace reporting policy if it is ever called into question. This article
- [Just a normal day on the job](https://riskwise.biz/just-a-normal-day-on-the-job-2/): In America, on average 15 people a day die from workplace accidents. That adds up to roughly 5,475 fatalities a year from workplace accidents. We lost 57,000 American soldiers in Vietnam between the years of 1960 and 1973. In that same time frame 13 years we lost 71,175amercian workers. In that same time period we lost 653,000 lives in vehicle accidents. Another senseless loss of life comes in the form of hard working people trying to earn a living and being killed in the process. Of significant concern is that many of these workplace fatalities can be prevented. According to
- [Introduction to Certificates of Insurance](https://riskwise.biz/introduction-to-certificates-of-insurance/): Most commercial agreements (e.g., leases, service contracts or vendor agreements) contain risk allocation and insurance provisions that require one party to accept responsibility for certain loses and to obtain a sufficient amount of insurance to be able to meet their financial obligations should losses occur. Certificates of insurance are the customary method of showing that he party providing the certificate has met their insurance requirements. What is a Certificate of Insurance? A certificate of insurance is a document that is issued by an insurer or their authorized representative (such as an insurance agent) that provides evidence that a company has
- [Insurance Basics](https://riskwise.biz/insurance-basics/): Most employers have to purchase several types of insurance coverage just to operate a business. Some of these insurance coverage’s are required by law and others are required by contract, so the purchase of insurance is typically not optional. There are 5 basic types of Business Insurance coverage: 1) Property Insurance- protects structures, equipment and contents from loss if the structure catches fire, is hit by lightning or damaged due to a hurricane or from other perils. 2) General Liability Insurance- if a customer is injured while on your property, General Liability coverage protects you from lawsuits brought by the
- [Indirect Cost of Workplace Injuries](https://riskwise.biz/indirect-cost-of-workplace-injuries/): In addition to the actual dollars paid out in claims and premiums to provide workers’ compensation insurance coverage, there are various Indirect Cost associated with injuries and injury management. It is estimated that indirect cost usually approach 4 times the cost of an injury. So, if a particular accident cost $10,000 to provide medical care and lost wages -the estimated indirect cost is $40,000 in ‘other’ cost to the company. Indirect cost defined- the cost associated with injuries other than the claim dollars spent. Often these costs are “hidden” in the form of non-productive activity. Types of Indirect Cost: 1)
- [Independent Contractors and Injuries](https://riskwise.biz/independent-contractors-and-injuries/): Independent contractors are widely used in the maritime industry. Contractors can often do things in a turnkey manner, carry their own insurance, use their own equipment and reduce a company’s liability in some instances. The recent Fifth Circuit U.S. Court of Appeals decision McCarroll v. Wood Group Management highlighted another benefit. An independent contractor on a drilling platform does not owe a legal duty to another independent contractor’s employee he or she isn’t supervising. This injury case arose in July 2009 aboard the BP Atlantis, a drilling platform in the Gulf of Mexico. BP hired two independent contractors, Grand Isle
- [Hurricane season: Is your insurance ready?](https://riskwise.biz/hurricane-season-is-your-insurance-ready/): The subtle nuances of an insurance policy can dictate whether or not you have coverage as a business owner. Business interruption is a prime example considering that a single word (direct) has the all encompassing effect of eliminating coverage for a loss you had assumed would be paid. Such is the case with other forms of insurance specific to the livelihood of your business. With the advent of the 2015 hurricane season, and by virtue of a consensus of experts in the field stating this year will be comparable to 2005 (Katrina), post-disaster is not the time to find out
- [Hierarchy of Safety Controls](https://riskwise.biz/hierarchy-of-safety-controls/): Hazards, physical conditions that cause injury, take many forms in the workplace. Often the hazard can be controlled in a number of different ways. However, the goal is to seek to best treatment technique that ideally eliminates the hazard or reduces it down to lowest possible level. The lowest possible level is where it would be extremely remote for the hazard to cause an injury. In the OSHA Standards and in safety education, controls of hazards usually fall into one of two categories: Administrative Controls and Engineering Controls. The Hierarchy of Safety controls incorporates those techniques in the pursuit of
- [The General Duty Clause of the OSHA Standards](https://riskwise.biz/the-general-duty-clause-of-the-osha-standards/): The Occupational Safety and Health Act, more formally called the Williams-Steiger Act of 1970, created a Federal Agency to be operated within the United States Department of Labor. This agency was charged with the mission to: “Assure safe and healthful working conditions for working men and women; by authorizing enforcement of the standards developed under this act; by assisting and encouraging states in their efforts to assure safe and healthy working conditions; by providing for research, information, education, and training in the field of occupational safety and health; and for other purposes.” The Act established duties, legal responsibilities on employers
- [Flame Resistant Clothing (FRC)](https://riskwise.biz/flame-resistant-clothing-frc/): Purpose/Scope The objective of this program is to provide an added degree of protection to Personnel working in the Gulf of Mexico (GoM) upstream sector where an assessment of the hazard indicates a need due to potential flash burn injuries. General Requirements Flame resistant clothing will be required for all BP employees and contractors when performing any Of the tasks listed in this section. Key Responsibilities The Person in charge is responsible for implementing the program requirements. Other Garment Materials When other garments are worn in conjunction with FRC, the FRC must be worn as the outermost Layer of clothing.
- [Five Ways Employers Can Reduce Work Comp Premiums](https://riskwise.biz/five-ways-employers-can-reduce-work-comp-premiums/): As long as businesses operate there will be risks that need to be managed and controlled or face the likelihood of higher insurance premiums. More to the point, business risks are an ongoing reality of business activities; therefore, top management must understand that a consistent and methodical process is needed to reduce risk of loss to an acceptable level. Furthermore, if and when a loss does occur top management should have in place appropriate response mechanisms and policies. The following is a brief list of five activities that top management can undertake to reduce loss potential, claims cost and therefore
- [Final Premium Audits](https://riskwise.biz/final-premium-audits/): After a Workers’ Compensation insurance policy expires the insurance company will usually visit the commercial business to verify the payroll that was estimated at policy inception is accurate. Insurance companies have the right to do this as it is a condition of the insurance contract. When the policy is issued at inception of coverage, payroll for Workers’ Compensation is estimated. This estimate is usually the best judgment of what the actual exposure (payroll) will be during the policy year. However, due to the many factors in the transaction of business, it is almost impossible to estimate exactly what actual payroll
- [Experience Modification Factors](https://riskwise.biz/experience-modification-factors/): Experience Modifiers are used in the pricing of Workers’ Compensation Insurance to adjust the premium upward or downward based on the employer’s claims history. The Experience Modification Factor can be compared to your personal driving record in that you are charged more or less premium based on you past accident experience. Your claim experience modifies your future cost of coverage. The Mod is a number that compares the accident experience of individual company’s to all other company’s in state and in the industry. The Mod is promulgated or calculated by the National Council on Compensation Insurance (NCCI). NCCI produces an
- [Employers’ Liability Coverage](https://riskwise.biz/employers-liability-coverage/): The standard Workers’ Compensation Insurance policy consist of two parts: Part A: Workers’ Compensation Insurance Part B: Employers’ Liability Insurance As we all know, Workers’ Compensation provides coverage for the cost of medical services and for lost wages due to workplace injuries. Also, the insurance company will pay the cost of defense (for the employer) for suits brought by injured employee with reference to benefits payable. State laws prescribe benefit limits. The second part of Workers’ Compensation policy is automatically included in the coverage and is called Employers’ Liability. The policy provides coverage for employers from suits brought by injured
- [Workplace Safety - Behaviors to Prevent Injuries](https://riskwise.biz/workplace-safety-behaviors-to-prevent-injuries/): Much attention has been given to the role top management must take to develop, organize, implement and monitor a workplace safety program. After all, only management can do it as they have the authority to direct the workforce, the resources to expend and the ability to oversee the result. Furthermore, they have the legal and moral responsibility to implement a workplace safety and health program due to federal regulations, namely OSHA, and avoid the negative impact from adverse publicity due to injuries. But the real reason to implement and maintain a workplace safety program is because it makes good business
- [Emergency Preparedness and Response](https://riskwise.biz/emergency-preparedness-and-response/): All emergencies are either internal or external in origin. The internal ones can be better planned for, as there are known sources and points of origin where the emergency is likely to occur. These include, but are not limited to, violence in the workplace, leaks or spills of hazardous materials, fires, explosions, loss of use of water, or loss of power. External emergencies include, but are not limited to, large-scale power outages, hurricanes, tornados, external hazardous material exposures, biological threats, and plane or multiple vehicle crashes. Even facility should have a set of survival tactics that cover what to do
- [Louisiana Overhead Power Line Safety Act](https://riskwise.biz/louisiana-overhead-power-line-safety-act/): The state of Louisiana has passed new legislation that makes it an illegal to perform any type of work with in 10 feet of high voltage overhead energized power lines. This law became effective on January 1, 2002 and makes it illegal for unauthorized workers to perform any activity, including the moving of equipment, within 10 feet of any high voltage line. Contractors must make arrangements with the owners of the power lines for de- energization and must bear the cost of such work by the power company. The power company must be given 48 hours notice to make arrangements
- [Ebola Concerns in the Workplace](https://riskwise.biz/ebola-concerns-in-the-workplace/): The World Health Organization (WHO) considers Ebola virus disease (EVD) a severe illness in humans, and reports an average 50% fatality rate in infected populations. Ebola is transmitted ONLY through direct contact with the blood or bodily fluids of an infected, symptomatic person, or through contact with objects such as needles, bedding, and discarded clothing that have been contaminated with infected secretions. The virus is NOT airborne nor is it spread through food or water. Ebola’s rapid onset and high mortality levels are alarming, but other diseases, such as influenza, occur much more frequently and with greater impact When travelling
- [The Experience Modification Factor for Small Medical Claims](https://riskwise.biz/the-experience-modification-factor-for-small-medical-claims/): Not any more, is the simple answer in most states. The National Council on Compensation Insurance (NCCI) is the governing body of the Workers’ Compensation insurance industry and provides rules and rates and Mods for most states. The ratemaking part of the mission is the focus of this discussion. NCCI wants and needs accurate data to develop actuarially sound rates, called Loss Cost Rates. This is the pure cost of injuries for each class code or type of business. This is the root basis of rates to which carrier adds their operating expenses and load for profit. So to ensure
- [Disaster Recovery](https://riskwise.biz/disaster-recovery/): The definition of a disaster is “any event that will significantly—and negatively—affect an institution’s operation.” Dis-as-ter a.) An occurrence causing widespread destruction and distress; a catastrophe. b.) A grave misfortune Re-cov-er-y A return to normal conditions Disaster Recovery Planning and Services are focused on ensuring that your business is able to continue after a disaster. We understand that our clients must be able to get back to business, in as expeditious manner as possible. We provide the technology services to do just that. Quickly, affordably, and completely. Examples of “traditional” disasters include fires, floods, hurricanes and earthquakes. Example traditional” disasters
- [Common Definitions of Maritime Coverage’s](https://riskwise.biz/common-definitions-of-maritime-coverages/): The Longshore and Harbor Workers’ Compensation Act and its extensions, provide medical benefits, compensation for lost wages, and rehabilitation services to employees who are injured during the course of employment or contract an occupational disease related to employment. Survivor benefits also are provided if the work-related injury causes the employee’s death. Situs – having “situs” means the work is on or adjacent to navigable waters. Longshore – literally means “along the shore”. Refers to maritime employment, other than work as a seaman. Includes work building and repairing ships, loading and unloading ships, construction or repair of structures to enable waterborne
- [Defense of OSHA Citations](https://riskwise.biz/defense-of-osha-citations/): One defense against OSHA citations is to show unpreventable employee misconduct. To establish unpreventable employee misconduct, an employer must prove that it has: 1. established work rules designed to prevent the violation, 2. adequately communicated these work rules to its employees, 3. taken steps to discover violations, and 4. effectively enforced the rules when violations are discovered. The action of the employee must represent a departure from a work rule that the employer has uniformly and effectively communicated and enforced. If you are aware an employee is not following safety procedures, yet you take no steps to prevent this action
- [Deadliest Occupations](https://riskwise.biz/deadliest-occupations/): According to data from the U.S. Bureau of Labor Statistics (BLS), the workers most likely to be killed at work aren’t the ones donning bullet-proof vests to capture criminals or saving victims from fire-engulfed buildings. Instead, the workers most likely to die on the job are the ones who help provide us with our daily needs like a safe home, food and electricity. The typical worker has a low risk of fatal injuries at work the fatality rate for all occupations is 4.1 per 100,000 employed. But these hazardous jobs, all of which had a minimum of 30 fatalities in
- [What are the Costs Versus the Benefits of Loss Control Efforts?](https://riskwise.biz/what-are-the-costs-versus-the-benefits-of-loss-control-efforts-2/): How does the money spent to prevent workplace injuries actually transfer down to the bottom line of the company initiating such efforts? A basic question for an important issue because as management looks around the Income Statement to cut cost, safety activities may be reduced. The actual calculation of Return on Investment (ROI) for workplace safety investment is somewhat elusive and a hard number to peg as empirical data is hard to collect. So, the question to ponder: are safety activities worth the money? It is estimated that the total cost of workplace injuries is $38.7 billion a year. (Liberty
- [2013-2015 Changes to NCCI’s Primary-Excess Split Point](https://riskwise.biz/2013-2015-changes-to-nccis-primary-excess-split-point/): In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split point over a three-year transition period. The first stage of the transition took effect with each state’s approved rate and loss cost filing on or after Jan. 1, 2013. This change has also been adopted by several states which utilize independent bureaus. Understanding the Primary-Excess Split In the experience rating process, each loss is divided into a primary and excess portion. In most states in 2014, the first $13,500 of every loss will be allocated as a primary
- [Certificates of Insurance](https://riskwise.biz/certificates-of-insurance/): Most commercial agreements (e.g., leases, service contracts or vendor agreements) contain risk allocation and insurance provisions that require one party to accept responsibility for certain losses and to obtain a sufficient amount of insurance to be able to meet their financial obligations should losses occur. Certificates of insurance are the customary method of showing that the party providing the certificate has met the insurance requirements. What is a Certificate of Insurance? A certificate of insurance is a document that is issued by an insurer or their authorized representative (such as an insurance agent) that provides evidence that a company has
- [Business Interruption Insurance](https://riskwise.biz/business-interruption-insurance/): Business interruption insurance (also known as business income insurance) covers the loss of income that a business suffers after a disaster while its facility is being rebuilt. A property insurance policy only covers the physical damage to the business. The additional coverage allotted by the business interruption policy covers the profits that would have been earned. This extra policy provision is applicable to all types of businesses, as it is designed to put a business in the same financial position it would have been in if no loss had occurred. This type of coverage is not sold as a stand-alone
- [Sudden Cardiac Arrest – AED's Can Help Save Lives](https://riskwise.biz/sudden-cardiac-arrest-aeds-can-help-save-lives/): In the United States approximately 1,000 people suffer Sudden Cardiac Arrest (SCA) daily. Sudden Cardiac Arrest occurs when the heart unexpectedly and suddenly stops its normal beating rhythm. An abnormality in the heart’s electrical system is the cause and makes the heart twitch rapidly and uncontrollably. At this point ventricular fibrillation occurs which renders the heart unable to pump blood to the brain and body. A victim of SCA can be recognized by symptoms of unresponsiveness, loss of consciousness, lack of breathing, and no pulse can be detected. Frequently the victim is suffering from a heart rhythm disorder called ventricular
- [Auto Tort Reform in Louisiana - A Time for Change?](https://riskwise.biz/auto-tort-reform-in-louisiana-a-time-for-change/): Is automobile insurance tort reform needed in the state of Louisiana? Automobile tort reform encompasses the issue of how the law is applied in the event of an automobile accident. The current legal environment allows occupants injured in an automobile accident to sue to operator of the at fault vehicle for damages in tort, a civil proceeding. This approach to indemnify injured drivers has resulted in many auto accidents being litigated which does not efficiently utilize judicial resources. Also, there has been an increase in the cost of coverage due, in part, to legal proceedings settlements. Perhaps a comparison of

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- [Blog](https://riskwise.biz/blog-2/)
- [Industries](https://riskwise.biz/about-us/industries/): [vc_row css=”.vc_custom_1660071457157{margin-top: 20px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”Industries We Serve” font_container=”tag:h1|font_size:36px|text_align:left|line_height:45px” google_fonts=”font_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal” css=”.vc_custom_1752686866300{margin-bottom: 39px !important;}”][vc_row_inner][vc_column_inner width=”1/3″][stm_icon_box icon=”stm-stm14_manufacturing” style=”icon_left” icon_size=”16″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Road Builders” css=”.vc_custom_1506970360456{margin-bottom: 28px !important;}”]The use of heavy equipment presents severe loss exposures to bridge builders. OSHA will be releasing a new crane and derricks stand in July 2010 that will require operators to have certain skills. Other hazards employees face are: heats stress, PPE, falls from heights, concrete operations, rigging of steel and power tools.[/stm_icon_box][/vc_column_inner][vc_column_inner width=”1/3″][stm_icon_box icon=”stm-stm14_public” style=”icon_left” icon_size=”20″ icon_color=”base” icon_bg_color=”third_bg” icon_width=”70″ title=”Municipalities” css=”.vc_custom_1503000272285{margin-bottom: 28px !important;}”]From zoning to emergency services and government office to libraries the scope of
- [Contact Us](https://riskwise.biz/contact/): [vc_row css=”.vc_custom_1485423383193{margin-bottom: 20px !important;}”][vc_column css=”.vc_custom_1485424286916{margin-bottom: 30px !important;}” offset=”vc_col-lg-4″][vc_empty_space][vc_column_text css=”.vc_custom_1501878656864{margin-bottom: 28px !important;border-bottom-width: 3px !important;padding-bottom: 32px !important;border-bottom-color: #002e5b !important;border-bottom-style: solid !important;}” el_class=”border_base_color”]Take advantage of our free initial safety consultation to see how Riskwise can help reduce your risk.[/vc_column_text][stm_contacts_widget style=”style_4″ email=”chris@riskwise.biz” title=”Contact Details” address=”16094 Highway 73 Prairieville, LA 70769″ phone=”(225) 413-7542″ facebook=”https://www.facebook.com/RiskWise-240432446047197/” twitter=”https://twitter.com/Risk_Wise” fax=”(225) 313-4518″][/vc_column][vc_column css=”.vc_custom_1485424295749{margin-bottom: 30px !important;}” offset=”vc_col-lg-8″][vc_empty_space][vc_raw_html css=””]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[/vc_raw_html][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces” css=”.vc_custom_1485423323752{margin-bottom: -60px !important;}”][vc_column][vc_gmaps link=”#E-8_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”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text][/vc_column_text][/vc_column][/vc_row]
- [About Us](https://riskwise.biz/about-us/): [vc_row full_width=”stretch_row” css=”.vc_custom_1539802644397{margin-top: -75px !important;padding-top: 30px !important;padding-bottom: 30px !important;background-color: #f2f2f2 !important;}”][vc_column css=”.vc_custom_1501783462938{margin-right: 50px !important;}”][vc_custom_heading text=”Safety Consulting” font_container=”tag:h1|font_size:28px|text_align:left|line_height:36px” use_theme_fonts=”yes”][vc_column_text css=””]RiskWise Safety Consulting, LLC, provides a comprehensive and methodical approach to safety and risk management. We work closely with employers to implement safety processes and risk management strategies that reduce risks to an acceptable level. By reducing workplace accidents, we can lower long-run insurance costs across all lines of coverage, thereby saving you money![/vc_column_text][/vc_column][/vc_row][vc_row css=”.vc_custom_1539803056307{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”We Provide Safety Consulting Services to a Wide Variety of Industries Across Louisiana and the Gulf Coast:” font_container=”tag:h3|text_align:left” google_fonts=”font_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal” css=”.vc_custom_1719019993907{margin-bottom: 39px !important;}”][vc_row_inner][vc_column_inner width=”1/3″][vc_column_text]
- [Home](https://riskwise.biz/): [vc_row css=”.vc_custom_1464852884508{margin-right: -60px !important;margin-bottom: 0px !important;margin-left: -60px !important;}”][vc_column css=”.vc_custom_1465465510777{padding-right: 0px !important;padding-left: 0px !important;}” offset=”vc_hidden-xs”][rev_slider_vc alias=”slider-11″][/vc_column][/vc_row][vc_row css=”.vc_custom_1512146601406{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column width=”1/2″ offset=”vc_hidden-sm vc_hidden-xs”][vc_custom_heading text=”Our Mission” font_container=”tag:h1|font_size:36px|text_align:left|line_height:38px” use_theme_fonts=”yes” css=”.vc_custom_1501782012148{margin-bottom: 30px !important;}” el_class=”stm_secondary_color”][vc_column_text el_class=”stm_text_pad-left”]Riskwise Safety Consulting, LLC is a loss control and injury management company. We offer safety consulting, safety education and safety products to prevent injuries and reduce operating costs for employers. Therefore, we save you time and money, which will be shown on your bottom line. [/vc_column_text][/vc_column][vc_column width=”1/6″ offset=”vc_hidden-sm vc_hidden-xs”][vc_column_text] Consulting [/vc_column_text][vc_icon icon_fontawesome=”stm-ppl_outline” color=”white” background_style=”rounded” background_color=”custom” size=”xl” align=”center” css_animation=”bounceIn” link=”url:https%3A%2F%2Friskwise.biz%2Fservices%2Fsafety-consulting%2F|||” custom_background_color=”#df1d37″][/vc_column][vc_column width=”1/6″ offset=”vc_hidden-sm vc_hidden-xs”][vc_column_text] Education [/vc_column_text][vc_icon icon_fontawesome=”stm-human_13″ color=”white” background_style=”rounded” background_color=”custom” size=”xl”
- [My Account](https://riskwise.biz/shop-products/my-account/)
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- [All Products](https://riskwise.biz/shop-products/)
- [Services](https://riskwise.biz/services-grid/): [vc_row css=”.vc_custom_1663615597760{margin-top: 20px !important;}”][vc_column][vc_custom_heading text=”Services” font_container=”tag:h1|font_size:30px|text_align:left” use_theme_fonts=”yes”][/vc_column][/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1661538828165{margin-top: -80px !important;margin-bottom: 60px !important;background-color: #585657 !important;}”][vc_column][vc_cta h2=”Looking for a First-Class Safety Consultant?” h2_font_container=”tag:h2|font_size:20px|text_align:left|color:%23ffffff|line_height:24px” h2_use_theme_fonts=”yes” shape=”square” style=”flat” color=”white” add_button=”right” btn_title=”get a quote” btn_style=”flat” btn_color=”theme_style_2″ btn_align=”right” btn_i_align=”right” btn_i_icon_fontawesome=”fa fa-chevron-right” use_custom_fonts_h2=”true” btn_button_block=”true” btn_add_icon=”true” css=”.vc_custom_1661539690900{margin-bottom: 0px !important;}” h2_link=”url:https%3A%2F%2Friskwise.biz%2Fcontact%2F|||” btn_link=”url:https%3A%2F%2Friskwise.biz%2Fcontact%2F|||”][/vc_cta][/vc_column][/vc_row][vc_row][vc_column][stm_services posts_per_page=”8″ posts_per_row=”3″ img_size=”300px”][/vc_column][/vc_row]

## Products

- [Electrical Safety Meeting](https://riskwise.biz/product/electrical-safety/)
- [Carbon Monoxide Safety Meeting](https://riskwise.biz/product/carbon-monoxide-safety/)
- [Bush Hog Safety Meeting](https://riskwise.biz/product/bush-hog-safety/)
- [Burn Prevention Safety Meeting](https://riskwise.biz/product/burn-prevention-safety/)
- [Bucket Truck Safety Meeting](https://riskwise.biz/product/bucket-truck-safety/)
- [Breathing Air Safety Meeting](https://riskwise.biz/product/breathing-air-safety/)
- [Bloodborne Pathogens Safety Meeting](https://riskwise.biz/product/bloodborne-pathogens-safety/)
- [Concrete Truck/ Mixer Safety Meeting](https://riskwise.biz/product/concrete-truck-mixer-safety-meeting/)
- [Compressed Gas Safety Meeting](https://riskwise.biz/product/compressed-gas-safety-meeting/)
- [Common Compressed Gases Safety Meeting](https://riskwise.biz/product/common-compressed-gases-safety-meeting/)
- [Circular Saws Safety Meeting](https://riskwise.biz/product/circular-saws-safety-meeting/)
- [Chainsaw Safety Meeting](https://riskwise.biz/product/chainsaw-safety-meeting/)
- [Welding Physical Hazards Safety Meeting](https://riskwise.biz/product/welding-physical-hazards-safety/)
- [Welding on Galvanized Metal Safety Meeting](https://riskwise.biz/product/welding-on-galvanized-metal-safety/)
- [Tires and Wheels Safety Meeting](https://riskwise.biz/product/tires-and-wheels-safety/)
- [Tire Tech Roadside Safety Meeting](https://riskwise.biz/product/tire-tech-roadside-safety/)
- [Box Cutter Safety Meeting](https://riskwise.biz/product/box-cutter-safety/)
- [Benzene Safety Meeting](https://riskwise.biz/product/benzene-safety/)
- [Bench Grinder Machines Safety Meeting](https://riskwise.biz/product/bench-grinder-machines/)
- [Behavior-Based Safety Meeting](https://riskwise.biz/product/behavior-based-safety/)
- [Bailer-Compactor Safety Meeting](https://riskwise.biz/product/bailer-compactor-safety/)
- [Backing Accidents Safety Meeting](https://riskwise.biz/product/backing-accidents/)
- [Backhoe and Excavator Safety Meeting](https://riskwise.biz/product/backhoe-and-excavator-safety/)
- [Back Safety Tips Safety Meeting](https://riskwise.biz/product/back-injury-prevention/)
- [ARC Welder Safety Meeting](https://riskwise.biz/product/arc-welder-safety/)
- [Air Compressor Safety Meeting](https://riskwise.biz/product/air-compressor-safety/)
- [Aerial Lift Safety Meeting](https://riskwise.biz/product/aerial-lift-safety/)
- [Tire Cage Safety Meeting](https://riskwise.biz/product/tire-cage-safety/)
- [Personal Protective Equipment Safety Meeting](https://riskwise.biz/product/personal-protective-equipment-safety/)
- [Ergonomics Safety Meeting](https://riskwise.biz/product/ergonomics-safety/)
- [Handling Batteries Safety Meeting](https://riskwise.biz/product/handling-batteries-safety/)
- [Jacking Safety Meeting](https://riskwise.biz/product/jacking-safety/)
- [Bonding and Grounding Safety Poster](https://riskwise.biz/product/bonding-and-grounding-safety-poster/): This Bonding and Grounding Safety Poster shows how to eliminate static electricity inside metal drums using bonding and grounding techniques.
- [United States Longshore & Harbor Workers’ Act](https://riskwise.biz/product/united-states-longshore-harbor-workers-act/)
- [Accidents During Company Sponsored Recreational Activities](https://riskwise.biz/product/accidents-during-company-sponsored-recreational-activities/)
- [USLH Insert](https://riskwise.biz/product/uslh-insert/)
- [Workers' Comp, FMLA, ADA and HIPAA](https://riskwise.biz/product/workers-comp-fmla-ada-and-hipaa/)
- [Why Employers Seek Short-Term Solutions to Long-Term Problems](https://riskwise.biz/product/why-employers-seek-short-term-solutions-to-long-term-problems/)
- [Pressure Washing (11x17)](https://riskwise.biz/product/pressure-washing-11x17/)
- [Worker's Compensation Insurance](https://riskwise.biz/product/workers-compensation-insurance/)
- [Worker's Compensation and Employer's Liability Insurance](https://riskwise.biz/product/workers-compensation-and-employers-liability-insurance/)
- [Levantamiento Seguro](https://riskwise.biz/product/levantamiento-seguro/)
- [Safety Performance Indicators](https://riskwise.biz/product/safety-performance-indicators/)
- [Prevencion de Caidas](https://riskwise.biz/product/prevencion-de-caidas/)
- [Seguridad de Escalera](https://riskwise.biz/product/seguridad-de-escalera/)
- [Prevencion los Fuegos](https://riskwise.biz/product/prevencion-los-fuegos/)
- [Post Accident Substance Testing Chart](https://riskwise.biz/product/post-accident-substance-testing-chart/)
- [Prevencion de Enfermedad del Calor](https://riskwise.biz/product/prevencion-de-enfermedad-del-calor/)
- [Hot Work Areas Poster](https://riskwise.biz/product/hot-work-areas-poster/)
- [Summary of Hazardous Locations Poster](https://riskwise.biz/product/summary-of-hazardous-locations-poster/)
- [Designated Hot Work Areas Poster](https://riskwise.biz/product/designated-hot-work-areas-poster/)
- [Prepare Now Business Plan](https://riskwise.biz/product/prepare-now-business-plan/)
- [Personal Protection Equipment](https://riskwise.biz/product/personal-protection-equipment/)
- [Qualified vs Certified](https://riskwise.biz/product/qualified-vs-certified/)
- [Record-keeping OSHA 300 Summary](https://riskwise.biz/product/record-keeping-osha-300-summary/)
- [Reason for Safety](https://riskwise.biz/product/reason-for-safety/)
- [Risk Transfer Products](https://riskwise.biz/product/risk-transfer-products/)
- [Retrospective Rating Programs](https://riskwise.biz/product/retrospective-rating-programs/)
- [Safety Equals Savings](https://riskwise.biz/product/safety-equals-savings/)
- [Safety Education vs. Training](https://riskwise.biz/product/safety-education-vs-training/)
- [Safety Culture](https://riskwise.biz/product/safety-culture/)
- [Safety Training or Safety Education WCBL 2](https://riskwise.biz/product/safety-training-or-safety-education-wcbl-2/)
- [Safety Merit Pay](https://riskwise.biz/product/safety-merit-pay/)
- [Series Employee Responsibility](https://riskwise.biz/product/series-employee-responsibility/)
- [Screening and Hiring](https://riskwise.biz/product/screening-and-hiring/)
- [Series Top Management](https://riskwise.biz/product/series-top-management/)
- [Series Supervisor Responsibility](https://riskwise.biz/product/series-supervisor-responsibility/)
- [Series Safety Director](https://riskwise.biz/product/series-safety-director/)
- [Standardizations of Loss Runs](https://riskwise.biz/product/standardizations-of-loss-runs/)
- [Stages of Safety Management](https://riskwise.biz/product/stages-of-safety-management/)
- [The History of Workplace Health](https://riskwise.biz/product/the-history-of-workplace-health/)
- [The Attractive Nuisance Doctrine](https://riskwise.biz/product/the-attractive-nuisance-doctrine/)
- [The ARRT of Risk Management](https://riskwise.biz/product/the-arrt-of-risk-management/)
- [The Rights of A Seaman](https://riskwise.biz/product/the-rights-of-a-seaman/)
- [The Performance of Persistence](https://riskwise.biz/product/the-performance-of-persistence/)
- [The Three Types of Hazards](https://riskwise.biz/product/the-three-types-of-hazards/)
- [The Ripple Effect of Safety](https://riskwise.biz/product/the-ripple-effect-of-safety/)
- [Understanding OSHA](https://riskwise.biz/product/understanding-osha/)
- [Theories of Accident Causation](https://riskwise.biz/product/theories-of-accident-causation/)
- [The Top OSHA Violations](https://riskwise.biz/product/the-top-osha-violations/)
- [Experience Modification Factors (One Page)](https://riskwise.biz/product/experience-modification-factors-one-page/)
- [Final Premium Audits revised 2016](https://riskwise.biz/product/final-premium-audits-revised-2016/)
- [Experience Modification Factors](https://riskwise.biz/product/experience-modification-factors/)
- [Five Things Employers Can Do To Reduce Work Comp (2004)](https://riskwise.biz/product/five-things-employers-can-do-to-reduce-work-comp-2004/)
- [Five Things Employers Can Do To Reduce Worker's Comp](https://riskwise.biz/product/five-things-employers-can-do-to-reduce-workers-comp/)
- [Fuzzy Math](https://riskwise.biz/product/fuzzy-math/)
- [Flame Resistant Clothing (FRC)](https://riskwise.biz/product/flame-resistant-clothing-frc/)
- [General Duty Clause](https://riskwise.biz/product/general-duty-clause-2/)
- [Holmes v. Atlantic Sounding Co](https://riskwise.biz/product/holmes-v-atlantic-sounding-co/)
- [Hierarchy of Safety Controls](https://riskwise.biz/product/hierarchy-of-safety-controls-2/)
- [Heavy Equipment Theft Claims](https://riskwise.biz/product/heavy-equipment-theft-claims-2/)
- [Independent Contractors and Injuries](https://riskwise.biz/product/independent-contractors-and-injuries/)
- [Hurricane season - Is your insurance ready 6-1-13](https://riskwise.biz/product/hurricane-season-is-your-insurance-ready-6-1-13/)
- [How Adults Learn](https://riskwise.biz/product/how-adults-learn/)
- [Insurance Basics](https://riskwise.biz/product/insurance-basics-2/)
- [Indirect Cost of Workplace Injuries](https://riskwise.biz/product/indirect-cost-of-workplace-injuries/)
- [Introduction to Certificates of Insurance](https://riskwise.biz/product/introduction-to-certificates-of-insurance/)
- [Insurance Policy Cancellations](https://riskwise.biz/product/insurance-policy-cancellations/)
- [Insurance Coverage Analysis](https://riskwise.biz/product/insurance-coverage-analysis/)
- [Just a Normal Day on the Job](https://riskwise.biz/product/just-a-normal-day-on-the-job-2/)


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