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Insuring Your World - Summer 2004 Vol. 13

Slip Sliding Away.
The winter months are not only a cold but a slippery time of year. During these months, businesses need to be vigilant about their interior and exterior premises so that their employees and customers are safe from slipping and falling. The legal ramifications of an unfortunate mishap can be avoided with some simple precautions:

Interior Safety Tips

Follow a tight inspection schedule documenting and addressing any unsafe conditions
Keep floors clean at all times – ensure spills are mopped up immediately and a “Caution-Wet Floor” sign posted
Use non-slip cleaning detergents and waxes for floors
Ensure that aisles are clear of any obstructions such as fallen stock or merchandise
Place mats or rugs in all entrances during inclement weather.

Exterior Safety Tips


Regularly inspect the building’s exterior to identify potentially unsafe conditions
Repair any damage to stairs, sidewalks and pavement immediately
Remove snow or debris from entranceways and sidewalks promptly. Have the proper tools such as shovels and de-icer close at hand
Clean gutters or downspouts to avoid spillage onto sidewalks that can freeze
Contract a snow removal company to remove snow from the parking and walkways regularly, keeping a regular log of snow removal jobs
Ensure that garbage is kept in an isolated area away from entrances.


These easy to follow procedures can avoid the stress and frustration of an unfortunate accident and will make your working environment safe for both your employees and customers.

Protecting Your Office From Theft

Every year millions of dollars worth of office equipment is stolen from Canadian businesses. Yet there are many simple things that businesses can do to protect themselves with small investments of time and minimal cost.

Windows and Doors
One of the easiest ways to protect your business, though one of the most commonly forgotten is to ensure that your windows and doors are always kept locked when you are out of the room. Easily accessible windows create an additional security risk. In addition to locks, use window coverings to conceal the contents of your office. If possible, move valuable equipment to a less visible location. It is important to remember that at this time of year not everyone does their window-shopping in the mall! If your area contains expensive equipment, or valuable information, remove it from site if practical or at least move it away from the window. Ensure the strength of the door is sufficient to withstand efforts to force it open at least initially, as the greatest enemy of thieves is time.

Mark Your Property
Marking your equipment is one of the best ways to discourage a thief. This is due to the ease in which this equipment can be traced and the difficulty a thief would have in selling it. Identification also enables police departments to identify stolen equipment and return it to you if it is recovered. Police recommend that you register your equipment with a program such as Operation Provident, a police-run program that allows police to trace a serial number on your equipment anywhere within North America.

Computer Security
Valuable property of any type is an attractive target for a thief, however, computers are always at the top of the list. Most office thefts can be described as a "smash and grab", where a door or window is broken and the thieves remove the most expensive equipment they can see as quickly as possible. As a result, any steps that you can take to slow a thief down will, in all likelihood, result in fewer losses for your company. One step you can take is to physically secure computers, laptops and components to the desk or floor. In addition, it is always important to maintain up-to-date backup copies of your data to protect yourself against not only theft but also fire and any other misfortunate events and keep it off premises.

Alarms
If you consider your area to be sensitive or at a high risk of theft or break-ins perhaps it is time to install that security system. Although a security system can be expensive, the monthly fee could more than make up for the loss of equipment not to mention the employee hours required to recreate the information that has been lost.

Taking the above precautions will ensure that your company doesn't become a statistic and will ensure that your equipment and data stays where it belongs.

If you have questions about protecting your commercial property against theft, or would like to review your needs in this regard, please contact your Lackner McLennan Insurance Professional. We'll give you the guidance you need to ensure you have the right protection for your business.

Are Your Employees Biting the Hand that Feeds Them?

Employee theft is a problem that all businesses would like to think they don't have to worry about. Unfortunately using common-sense measures to prevent employee theft is vital to sustain the health of any business. Companies should always keep these theft deterrence procedures in mind:


Know frequently used schemes - forging and hiding receipts, pocketing loose change, and over billing expenses
Find people you can trust - perform thorough background checks on all new hire prospects, particularly for sensitive positions such as book keeping etc.
Remove the opportunity- ensure careful supervision, consider dividing tasks among several staff members allowing them to check each others' work for accuracy
Work with employees - training and employee awareness programs can keep employees on the lookout for theft
Distribute clear written policies on ethical behaviour to be signed by each employee
Set an example - ensure executives and managers are positive role models for workers. 

 

© Lackner McLennan Insurance Ltd