One of the most important factors to consider when starting a business or opening a brick-and-mortar store is finances. You’ll want to make sure that the type of commercial insurance you invest in will cover your needs as well as the needs of your employees. This includes Orlando workers compensation.
Of course, no business owner wants to be hit with a workers compensation claim. It’s important to ensure the safety of your employees not only for this reason but for their personal well-being. Here are a few potential hazards to look for if you own or manage a retail establishment.
Fire Hazards. Look for factors such as exposed wire from lighting or computers, open flames in a store display, improper chemical storage in a back room, or combustible materials left near a heat source.
Ergonomics. According to OSHA, this is the science of matching your workplace requirements to your employees’ capabilities. This means if you hire a petite person to be a salesperson on your floor, yet instruct them to help with a task that requires heavy lifting, you may risk injury to them due to poor ergonomics.
Air Quality. Without proper ventilation, the air in a retail store may begin to collect mold, fungus, bacteria, or specific vapors from products used. It’s recommended that you install a mechanical system that cycles in fresh outdoor air and circulates throughout your store, especially if you are inside a shopping mall.
Uneven Flooring/ Spills: You should regularly inspect your premises to ensure there is nothing that could cause a customer or employee to slip and fall. It’s also wise to move misplaced boxes and have a properly marked walkway in your backroom.
Lighting: Low lighting might create a nice ambiance; however it can lead to accidents among your employees or customers.
Employee Training: Training should include what to do in case of an emergency, how to handle customer problems and potential shoplifters, and evacuation plans in the case of a natural disaster.
By keeping these hazards in mind and knowing what may lead to a workers compensation claim, you may be able to reduce the exposure risks for your business. At Newman Crane, we specialize in Orlando, Florida insurance policies for retail businesses to protect you from a number of potential losses, including liability and property damage (fire, storm damage, vandalism or roof leaks, for example). Contact us today at (407) 859-3691 or fill out the convenient form on this page.