Tag Archive for: safety

Enjoying the Football Season? Use These Tailgating Safety Tips

Tailgating Safety Tips

Kick off the football season on the right foot! Read on for tailgating safety tips.

The football season is back in full swing, and plenty of fans are getting together to enjoy some pre-game food, drinks, and celebration. This is the perfect opportunity to make friends siding with different teams, enjoy a good barbecue, and cold beers. Before you drive off to your pre-game party, read on for tailgating safety tips.

Keep It Cool
Are you taking your food supplies to a party? Keep your food items chilled in a cooler until they’re ready to be cooked.

Get Grilling
What would a tailgate party be without a grill? Take precautions to make sure that your tailgating festivities don’t go down in flames when cooking on the grill. Keep pets and children away from the grill at all times, and safely dispose of any hot coals and ashes.

Don’t Go O.T.T. If You’re the D.D.
Tailgaters are notorious for having too much to drink. If your tailgating party includes alcohol, always secure a designated driver before the party starts. Drinking and driving never mixes well, so stay clear of getting behind the wheel while intoxicated.

Stay Safe in the Sun!
The sun is still strong in California, even at the beginning of autumn. Lather up in sunscreen before you head out and always have enough water on hand to keep sipping on to prevent dehydration.

Why not enjoy your football season altogether by informing your fellow tailgaters about the aforementioned safety tips? For the protection that you need to keep you and your festivities safe, review your insurance policies. With the right coverage, you can feel rest assured that the right defenses are in your field. Contact the Camarillo-local experts at Chambers & Company Insurance Brokers for all of your insurance needs.

How Does Workers’ Compensation in California Operate?

Workers’ Compensation in CaliforniaWorkers’ Compensation in California is a legal requirement!

If you’re a business owner in California, you’ll likely be overwhelmed with insurance policies that you might need. From protecting your building to your employees, everything should be covered so that you can focus on excelling at your business.

An insurance coverage that is non-negotiable is workers’ compensation insurance. California law requires employers to have workers’ compensation if they have even one employee. What’s more, out-of-state employers may need workers’ compensation coverage if an employee is regularly employed in California or a contract of employment is entered.

Workers’ Compensation 101
In an employee gets hurt on the job, the employer is required by law to pay for workers’ compensation benefits. Whether you get hurt by one event at work, such as falling on a wet floor to getting into a car accident while making deliveries, or repeated exposures at work such as repetitive-motion injuries, the employer can be held responsible.

Employee Protection
Workers’ compensation insurance is part of your cost of doing business, therefore no employee must help pay for the policy. In California, you must post the “notice to employees” poster at work where employees will be able to see it. This poster details information about workers’ compensation coverage and where to get medical care for work injuries. For California-specific requirements, view the California Labor Code. Should the employer not put up this poster, the company could face a penalty of up to $7,000 per violation.

Fall Into Your Safety Net
If your employee gets sick or injured on the job, you must:

  • Provide a workers’ compensation claim for to them within one working day after the work-related injury or illness is reported.
  • Return a copy of the completed form to the employee within one working day of the receipt.
  • Forward the claim form and your report of occupational injury or illness to the claims administrator within one working day.
  • Within one working day of receiving the employee’s claim, authorize up to $10,000 in appropriate medical treatment.
  • Provide transitional work (light duty) whenever appropriate.
  • If the employee is the victim of a crime that happened at work, you must give notice of workers’ compensation eligibility within one working day of the crime.

To prevent your employees getting hurt at work, be sure to follow proper safety procedures and supply them with safety tools or education. In addition to protecting your employees, safeguard your business with quality workers’ compensation insurance. For your policy in California, contact Chambers & Company Insurance Brokers today!

Smart Steps for Safe Shopping Online

Smart Steps for Safe Shopping OnlineIf you’re an e-shopper, you’ll want to know how to buy safely online.

Do you bargain hunt on your tablet? Or get deals sent straight to your smartphone to purchase right away? E-commerce has made our shopping easier, both to our detriment and our pleasure.

The benefits include a quick and easy transaction, finding exactly what we want, and tracking the package’s every move! While the benefits are plentiful, mobile and online shopping can open the door to fraudulent activity that can quickly end in tears.

To ensure that your e-commerce experiences are satisfactory, use these smart steps for safe shopping online!

  • No phishing allowed: Be on the lookout for phishing scams! Ignore and delete any emails and texts that claim they need personal information to complete a transaction.
  • Know your merchant: Only shop at well-respected and reputable retailers. Not only could you be scammed out of a sum of money, but you may never get the item or it could be fake. To see if the retailer is secure, you should see https:// instead of http://.
  • Avoid Wi-Fi: Be careful when using public Wi-Fi to make a purchase via smartphone or other devices as many public networks are not protected with encryption.
  • Keep confirmations: Print out the confirmation page and/or retain the email after making an online purchase.
  • React quickly: If you suspect a fraudulent transaction or an attempt on your credit card account, contact your credit card provider immediately.

Keeping safe online means that you can enjoy your purchases and a bright financial future! To protect your finances down the road, ensure that you have a secure insurance safety net to fall back on. Contact Chambers & Company Insurance Brokers today for your insurance policies in California.

How To: Cut Your Risk of Public Liability Claim

Reduce Your Public Liability Claim Risk CA

Are you doing what you can to reduce your risk of facing a public liability claim?

As a business owner, you’ve got a lot on your plate. Between managing day-to-day operations, preserving your bottom line, and supporting your team, you probably find yourself very busy from the moment you step into the office. The last thing you need, then, is another to-do. A public liability claim will not only make you busier, it can also be a serious headache and even become downright financially devastating. Protect your business and the hard work you’ve invested in it! Use these steps to reduce your risk of facing a public liability claim.

Step up your safety.

Slip and fall claims are the most common type of public liability claims. They’re also very avoidable. While putting good safety procedures in place may not feel like it should be your top priority, it’s one of the most important non-revenue earning things you can do. Look at hazards facing your business–from wet walkways to dangerous equipment–and take steps to safeguard against them.

Address incidents.

If there is an accident on your property, deal with it right away. Document the scene, gather statements from the people involved, and do what you can to make immediate reparations. Showing that you care about the incident right when it happens can save you a lawsuit down the road.

Get covered.

We can’t say enough about how important it is that your business carry good liability insurance. Liability coverage isn’t a one-size-fits-all, so take the time to meet with a dedicated insurance agent. They will be able to assess your unique business and provide policies that cover its unique exposures.

This guide will help you slash your risk of facing a public liability claim, but accidents do happen. Having the right liability coverage in place can mean the difference between having a claim being a minor hiccup, or becoming a major catastrophe. To ensure your California business has the commercial insurance it needs, contact Chambers & Company Insurance Brokers today. Our expert team is here to make sure your business has the right types of protection in place.