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An Overview of Commercial General Liability Insurance Commercial General Liability insurance is designed to protect business owners from a variety of exposures. It can cover liability arising from accidents on or off premises, to products sold by the insured that result in injury to the user, to contractual liability, leaving an owner free to concentrate on managing their business. Car Phones The use of car phones and cellular phones has grown at a phenomenal rate over the past several years. Mobile phones permit their users to conduct business while traveling, allow families to check in with each other, and provide a measure of heretofore unheard-of safety—since help is literally a phone call away when needed, no matter where you are. But despite the positive aspects of both car phones and cellular phones used in cars, they have also created a new safety hazard. Contingency Planning The purpose of contingency planning is to have a ready-made "plan of attack" for recognizing and responding to outages from a loss of a tower or broadcast capability. A contingency plan provides policy and information, both in terms of making a decision about how to cope with that exposure, and in terms of what needs to be done within an organization to carry out that decision. Emergency Action The OSHA regulations for Emergency Action Plans (EAPs) and Fire Prevention Plans (FPPs) apply to organizations classified by OSHA as general industry. This includes all businesses except those in the construction, shipbuilding, agricultural, and mining industries. Businesses with more than ten employees must have written Emergency Action Plans (EAPs) and written Fire Prevention Plans (FPPs). For businesses with fewer than ten employees, the elements of the plan can be communicated orally. Elements of a Emergency Preparedness Plan Creating a comprehensive Emergency Preparedness Plan for your facility may seem at first to be an overwhelming task. The Plan is a series of documents, tasks, teams, training exercises, and drills (unified, of course, by a corporate mission statement, a written emergency preparedness policy statement, and the guidance and support of upper management). Thus, the process of creating the Plan can be easily broken down into several sections, each with its small component parts. Tackle them one at a time, and in their logical order, and you will end up with a working plan. Click here to order NAB's new emergency preparedness guide. Developed by NAB and the NAB's Education Foundation in conjunction with the Department of Homeland Security, this Ready guidebook provides broadcasters with the tools they need for preparing their community in an emergency. Fire Prevention and Protection Fire represents one of the greatest hazards that an organization can encounter. Each year, several thousand lives are lost to fires, tens of thousands of people are seriously injured, and billions of dollars worth of property is destroyed or damaged by fires. Lightning Prevention and Protection Lightning causes property damage directly from the hit and through induced electrical surges; it can also start fires. Parts of a structure most likely to be struck are chimneys, flagpoles, towers, deck rails, or other objects that project above the surrounding area. On buildings which have flat roofs, the roof edge is most likely to be struck. Lightning is also a very serious personal threat. Ops Control The purpose of this technical paper is to help supervisors do a better job of enhancing productivity and reducing accidents by providing a means for review and prevention of operational factors that can contribute to accidents. By using a logical method to look at operational problems and come up with workable solutions to those problems, supervisors can learn how to identify operational problems which contribute to accidents and incidents. Q&A Background Checks Criminal history record checks are important risk management tools but must not replace other risk management strategies designed to lessen the opportunity for abuse of vulnerable service recipients. The following are some of the more frequently asked questions concerning criminal history record checks. Screening Prospective Staff is Sound Risk Management Know whom you are hiring up front to save yourself wasted resources down the line. When Backing Up, Drivers Need Eyes in the Back of Their Heads The most common business auto claim is backing up into something. Expensive auto damage, repairs and injury can be avoided by teaching your nonprofit's drivers to be cautious when backing up.
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