Tag Archive for: business insurance

How to Work Ergonomically When Traveling

Work Ergonomically When Traveling

Work ergonomically while you’re on the move for business.

For those whose workforce is on the road weekly, you’ll know that there are difficulties that work travel can present in terms of ergonomics. In today’s modern society, you can find employees working anywhere from corner coffee shops bright and early in the morning to red-eye flights. You may even work virtually, without a traditional corporate office. Over time, these mobile work situations can take a toll on the body. With the on-the-go workforce here to stay, it’s important to avoid the discomfort, strains, and pains that come along with it. Wherever your travels take you, be sure to work ergonomically.

  1. Use a 4-wheeled suitcase. It requires less force to move and you can push it through the airport by your side in a neutral wrist posture, rather than having to reach beyond your body to pull a suitcase.
  2. Wear a laptop backpack or use a strap on the back of your laptop bag to slide it over the handles of your suitcase to minimize bending over and putting stress on your neck and shoulders.
  3. Use the luggage rack in your hotel room to pack and unpack your bag. If a luggage rack isn’t available, use the bed or a chair or ottoman.
  4. Use a pillow to raise the screen of your laptop. Angle the laptop screen so that you can see the font with the least amount of neck deviation.
  5. Use an external keyboard for a tablet when writing emails. Also, save longer emails for when you can access a computer versus typing them out on your phone.
  6. Vary postures between sitting and standing. Visit the hotel’s lobby if you’ve been sitting for a while. Many airport lounges now have raised tables so you can stand during layovers, too.
  7. Use task/reading lights when working in your hotel room or on an airplane. As nice as natural light may be, it can strain the eyes if it’s not bright enough.

Now that you know how to work ergonomically be sure that your insurance is in place. Leave your insurance policies in the very capable hands of our professionals. Visit our team at Chambers & Company Insurance Brokers for all of your insurance needs today.

Top Ways to Prevent Slips and Falls This Winter in Your Office

Prevent Slips and Falls

Tis the season to slip and fall, filing a sizeable insurance claim.

Slips, trips, and falls have the potential to be a major cause of injury to people on your premises. As businesses face the liability to uphold safe environments, if your business fails to do so, you could face financial and company strain. The best way for a company to stay safe is to prevent slips and falls this winter.

Over 25,000 slip and fall accidents occur daily within the US, causing the number of hospital visits, bills, and lawsuits to skyrocket. With a business that can be held liable, it’s important to understand where on your premises the greatest potential for danger lies.

Slipping, tripping, or falling can result from slippery surfaces, broken surfaces, uneven walking paths, poorly lit walkways, cables on the floor, ice, water, mud, or wet surfaces.

To protect your business and to ensure that your employees and visitors don’t fall head over heel (literally), use these tips:

  • Do a physical walkthrough of your property daily to inspect paths and surfaces.
  • Design your entrances and walkways to accommodate the expected volume of foot traffic through your business.
  • Light all walkways well.
  • Maintain clean surfaces at all times. Remove any debris or hazards that may be in the way.
  • Provide slip-resistant floor treatments, especially in areas proven to be wet.
  • Place “wet floor” signs to warn the public of the hazard.
  • Ensure entry areas are properly maintained and that mats are secured.
  • Promptly investigate incidents. Document findings should an injury occur.

If someone does end up falling on your property, be sure to document all details, record all victims and witnesses accounts, and report to your insurance agency should charges be pressed.

Does your business have the protection that it needs to protect your finances, business, and visitors? Visit Chambers & Company Insurance Brokers in California to secure your needed commercial insurance.

Does Your Business Have a Preparedness Plan?

Preparedness Plan

Would your business be able to survive a disaster? A preparedness plan can help.

If a natural disaster were to disrupt your business, would it be able to pick up the financial pieces? Unfortunately, breezing your way through a natural disaster is not easily done. Many companies these days are creating a preparedness plan to bounce back from any form of natural disaster.

Natural disasters interrupt your business for days or months with the potential of your business never being able to reopen. It’s estimated that 1 in 4 companies never reopen their doors after a disaster, with 1 in 5 businesses experiencing a business disruption. As no one can control the weather and divert rainstorms away, you can take action to protect your business! As a business owner, set up a disaster plan so that you and your team knows what to do should tragedy strike.

When creating your plan, be sure to include:

Direction and Control 

This area of your business continuity plan will give a summary of some of the key areas. While explaining the reasons for this plan, it should be noted whose responsibility it is overseeing duties and the incident workflow.

Communication

Increase the safety of individuals as well as the property by clearly communicating during an emergency. Establish the location of emergency contact information, who notifies employees, and how customers and suppliers would be informed if something were to happen.

Safety

Inform your staff the proper procedures to follow in case of an emergency to ensure everyone’s safety. Safety training, shelter locations, check-in sheets, and even family preparation for employees should be established in this section of your plan.

Property Protection

Trying to replace a business’s property can be a big enough financial struggle that it can keep the doors closed for good. Ensure that you protect your investment in an emergency that you cannot control. Create mitigation steps for each threat. For example, in the case of a fire, you should have a backup records procedure, along with fire protection systems labeled.

Recover and Maintain

If the unexpected were to happen, you should know how to get your organization back up and running again in the most efficient way. It should be noted who will hire new employees, what employees will be kept on, and the team expectations. To prepare everyone in the company for an emergency, there should be multiple drills, exercises, and audits every year.

While recovering your business is no small fete, it doesn’t have to be a prolonged disaster. Let the professionals protect your business;  contact Chambers & Company Insurance Brokers to get started on your tailored insurance policy! Check out your free commercial insurance quote here.

Cyber Liability Tips for Your Business’ Social Media Presence

Cyber Liability Tips

Social media has taken over the world. Does your business know these cyber liability tips?

Social media isn’t just for personal use. Businesses are adopting this platform to utilize contacts, network, and promote. Social networking sites allow businesses to transform from their traditional marketing strategies by developing and deepening the relationship between the company and the customer.

With that said, mistakes happen. Companies should be careful about what they publish on social media, as well as allowing employees to access social profiles. Whether intentional or unintentional, staff can threaten the business’s reputation on social media with defamatory comments of other members of the team, vendors, or even the company itself.

Businesses should implement these cyber liability tips:

  • Establish a review process for social media content or limit the number of people who can comment on a post.
  • Train employees so that they understand the brand image, voice, and can recognize ‘trolls’ on the Internet.
  • Never publish copyright content without the copyright holder’s permission.
  • Regularly change the password to social media platforms.
  • Only allow a limited number of people onto profiles.
  • Purchase Cyber Liability Insurance.

Cyber liability insurance is designed to protect your business from legal expenses and lawsuits that your company faces after a social media mishap. From data breaches, cyber attacks, and defamation of business associates, cyber liability coverage can step in to protect your business from financial strain.

As a lot of businesses start to adopt social media into their everyday routine, they should be aware of the risks. The potential for risk should inspire your business to be prepared. With these cyber liability tips, your company can stay safe from social media mishaps and potential lawsuits!

Do you have the right cyber liability insurance in place for your business? Contact the professionals at Chambers & Company Insurance Brokers, located in Camarillo, to get started today.

How (and Why!) You Need to Move Around at Work

Move Around at Work

Are you stagnant on the job? Here’s why you need to move around at work.

While you may think that sitting down all day at a desk doesn’t cause much wear and tear on your body, research shows otherwise. Not only does your physical body suffer from staying seated all day, but your long-term health is severely impacted. Before you stay seated all day, there are critical reasons why you should move around at work. 

Sitting is the New Smoking

The sad truth is that your desk job is killing you. Sitting is rapidly becoming as bad for your health as smoking. Scientists have analyzed that anyone sitting for more than six hours a day is at a heightened risk of developing problems, which may be as bad as smoking a pack of cigarettes a day.

Sitting is responsible for raising the chances of getting heart disease by 64 percent, as well as increasing the chance of obesity, diabetes, and cardiovascular disease. While you may have to sit for eight hours a day at your job, you can minimize the impact by moving around at work!

Take breaks – Stand up every 20 minutes. Start by taking the stairs to the office rather than the elevator, give a message to your colleague rather than sending an email, or simply get up to stretch or march in place.

Use a standing desk – A standing desk allows you get work done standing up comfortable, stay focused, while burning calories when you’d normally be sitting sedentary.

Drink from small cups – You’ll need to get up more frequently if you use a small cup for your coffee or water. Getting up and moving about to refill your water will have you moving more in no time.

Hold stand up meetings – If you’re in a management or leadership role, encourage your team to stand rather than sit during meetings. The meeting will likely be streamlined if everyone is on their feet and focused.

Use your breaks wisely – In your half an hour break, walk around the block or stretch instead of sitting down away from your desk!

Take standing calls – Taking calls all day can be boring and repetitive. Break the cycle by getting up and walking in circles. This is especially helpful if you’re on hold!

The professionals at Chambers & Company Insurance Brokers hope that you move around at work so that your health benefits! Whether you’re looking for health insurance or business insurance – we’re here to help you! Visit us in Camarillo, California or give us a call today to get started.