Inside hazards & business insurance – safeguards

Office building

Safeguards for inside hazards

Having Business Insurance is essential, however, as not all hazards are evident, knowing your surroundings and being able to foresee how possible incidents and injuries could occur can help to prevent them. Here are some things to look into:

  • In the event of an emergency, have a plan that ensures your building is evacuated safely and efficiently. Make sure the plan is communicated to your employees and if you have occupants (such as a hotel), make sure the evacuation map is clear and posted throughout. The plan must also be reviewed annually at a minimum to ensure it takes into account any changes to the building or operations.
  • Firmly fasten items connected to the ceiling so they do not fall and cause damage or injury. Any low hanging equipment (duct work, piping, exit signs, etc) should have barriers to restrict walking or even relocated if necessary to prevent injury.
  • Routinely inspect elevators by a qualified servicing firm or a government representative.
  • At least every 12 months, check fire protection equipment such as sprinklers, fire alarms and extinguisher as well as emergency lighting.
  • Any lighting deficiencies such as loose wires, burnt out lights, etc., should be repaired immediately.
  • Ensure that fire exits are unobstructed, well-marked, and designed accordingly so that individuals can escape quickly in an emergency.
  • All walking surfaces must be maintained, kept clean and in good repair at all times. This includes mats and other floor coverings. Ramps should be slip resistant and clearly marked. This is critical in preventing slip, trip and fall-type injuries.
  • A regular clean-up schedule should be in place for removing debris, garbage and combustible waste material for inside and outside of the building.
  • Ensure that you meet the requirements defined by the various National and Provincial Building codes and which are determined by the classification of the occupancy of a building.

Working with your broker, you should have the right insurance coverage to protect your business, assets and employees. You should also be thinking about how you can implement ways to protect your business before something happens. Visit Intact Insurance’s loss prevention page for more information about how you can take preventative measures to help protect your business.

Insurance Fact

Did you know? Both Ontario and the Prairies each experience on average about 20 short-lived severe thunderstorm rain events per year.