Blog - Month: August 2024
Cal/OSHA’s Indoor Heat Illness Regulations Take Effect
Cal/OSHA’s indoor heat illness prevention regulations took effect July 24, requiring employers to implement safety measures when indoor workplace temperatures reach or exceed 82 degrees Fahrenheit.
The new rules apply to most indoor workplaces, such as restaurants, warehouses and manufacturing facilities, and require employers to provide water, rest, cool-down areas and training when temperatures exceed the threshold.
The standard requires employers who have indoor worksites with higher temperatures to take immediate steps to ensure they are in compliance with the new rules.
Under the standard, most requirements for additional protections start at the 82-degree trigger, but additional ones kick in at 87 degrees. At that point, businesses would be required to take additional steps, when feasible, including cooling down the work areas, implementing work-rest schedules and providing personal heat-protective equipment.
Where workers wear clothing that restricts heat removal or work in high-radiant-heat areas, the additional requirements apply at 82 degrees.
Employers whose indoor workplaces may exceed the 82-degree threshold will need to create, maintain and make available to employees a heat illness prevention plan (HIPP), which all affected employees should be trained in and read. The plan covers all of the below.
When temperatures in an indoor workplace reach 82 degrees, employers must provide:
Access to water — You must provide access to potable water that is fresh, suitably cool and free of charge. The water shall be located as close as possible to work areas and cool-down areas.
Access to a cool-down area — You must provide access to at least one cool-down area, where the temperature must be kept at below 82 degrees.
The cool-down area should be blocked from direct sunlight, be shielded from other high-radiant heat sources and be large enough to accommodate the number of workers on rest breaks so they can sit comfortably without touching each other. The area should be as close as possible to work areas.
Cool-down rest periods — You should encourage workers to take preventive cool-down rest breaks and allow those who ask for a cool-down rest break to take one. Workers should be monitored for symptoms of heat-related illness when they are taking such cool-down rests.
Also, the standard requires employers to:
- Provide first aid or emergency response to any workers showing heat illness signs or symptoms, including contacting emergency medical services.
- Closely observe new workers and newly assigned employees working in hot areas during a 14-day acclimatization period, as well as all employees working during a heatwave.
- Provide training to both workers and supervisors in the HIPP and prevention measures.
The takeaway
The solutions for many businesses will be installing air conditioning that ensures that temperatures never exceed the 82-degree threshold in an indoor workspace. While costly, it can reduce the need for employers to take any additional steps to protect employees against heat illness.
However, while this may be a good option in smaller locations, it may not be feasible in larger facilities like warehouses and production operations due to costs and difficulty in cooling a large area.
How Landlords Can Avoid Mold Liability Lawsuits
Mold is a serious problem in a number of older homes, apartment buildings and commercial buildings.
It’s often caused by poor maintenance and unchecked water leaks that over time create conditions that are ripe for the growth of the fungus.
The problem is that this mold can aggravate tenants’ allergies, and there are plenty of cases where they sue landlords over being sickened by mold. And juries round the country have awarded large settlements (sometimes in the millions of dollars) to tenants after they claimed they were sickened by mold in their homes, apartments or offices.
Worse, it’s difficult to make a claim on your landlord’s policy if you are sued by a tenant over mold issues, as many of the policies exclude pollution.
Fortunately, there are steps a landlord can take to reduce the chances of being sued by a tenant for mold issues.
While most states do not have mold-specific laws, they do have negligence laws. And most often, mold growth is the direct result of poor maintenance or just pure negligence as some landlords may detect a leak and not bother fixing it. Leaking water and moist conditions are the breeding ground for mold.
In order for a landlord to be considered negligent in a premises liability lawsuit, they must be aware that the problem exists or should have been aware that the problem existed.
When the issue is toxic mold exposure, it’s easy for a landlord to be held liable for having allowed a toxic environment to fester.
Steps you can take to avoid being sued
You can take steps to reduce the chances of being sued by a tenant. It may take some extra time and upfront expense, but it will be worth it if you can avoid being targeted with litigation.
Require tenants to immediately notify you about water damage, broken dehumidifiers, condensation or related problems — In your lease you should require that your tenants notify you about a leak or other water issue that they become aware of. This will allow you to remediate the problem once they call and also provide you with a strong defense if they later try to sue, claiming you are liable for damages.
Some sample language that you can include in the lease could include advising tenants to keep their dwellings clean, remove visible moisture on windows, walls, ceilings, floors and other surfaces as soon as possible, and notify landlords — in writing — about any signs of water leaks, water infiltration or mold.
Require tenants to carry renter’s insurance — Your insurance will cover the structure itself, but renter’s insurance will cover any mold damage to your tenants’ property and belongings.
Stay to a strict maintenance schedule — You should schedule times with your tenants so you can regularly inspect for leaks in pipes, windows and roofs, as well as water staining, and moisture and condensation (including in the HVAC system). Leaks are usually where mold starts.
During inspections, besides looking for those obvious issues, you should look out for mildewy, musty odors, and look for mold and fungus. If you find any issues, remediate them promptly.
Respond quickly when a tenant complains — Proactive landlords that fix problems their tenants raise, have a much less chance of being sued. Therefore, if one of your tenants reports a mold or moisture problem, you should immediately have the property inspected by a professional.
If they detect any mold, mildew and/or leaks that may be causing it, you should hire professionals to remove the mold and repair any problems that were causing the growth in the first place.
Make sure to document any inspections you conduct, as well as any repairs, cleanup and remediation.
Finally, you should make sure to follow up with your tenants to make sure the problem hasn’t recurred. A good idea is to check with them a week later, a month later and then six months later. But before that six-month mark, you may want to have the property reinspected for mold.
Insurance
The typical landlord’s insurance policy covers:
Property damage — From fire or other natural catastrophe.
Lost rental income/rental default — Should something cause your property to be uninhabitable (severe mold, termites, a rat infestation or a sinkhole), this provides temporary rental reimbursement to cover the income you’d otherwise receive if tenants could be occupying the property. It also covers lost income from a tenant’s rental default.
Liability — This is coverage for the medical or legal costs that might ensue if the tenant or a visitor suffers injury due to a property maintenance issue.
Commissioner Orders Benchmark Workers’ Comp Rate Reduction
California Insurance Commissioner Ricardo Lara has ordered that the state’s average benchmark workers’ compensation rate be cut by 2.1%, starting Sept. 1.
The decision rejected the Workers’ Compensation Insurance Rating Bureau’s recommendation that the benchmark rate be raised by 0.9%, citing a slight uptick in claims costs and claims-adjusting costs.
The benchmark rate, also known as the pure premium rate, is a base rate that insurers can use to price their policies. It only includes only the cost of claims and claims-adjusting costs and does not take into account other forms of overhead and profits.
Each class code gets its own pure premium rate, and some classes may see increases and others further decreases. Every employer’s premiums will differ depending on their claims experience, industry and location.
Also, insurers are not required to use the pure premium rate and are free to price their policies as they see fit.
The decision is a further reflection of the low pricing environment for workers’ compensation, a rare bright spot in an insurance market that has seen hefty rate increases in other lines, such as commercial property and liability coverage.
The average benchmark rate will fall to $1.38 per $100 of payroll, down from the current $1.41.
Reasons behind Lara’s decision
Factors that the commissioner cited as influencing his decision include:
- The continuing decrease in the number of medical services associated with each workers’ comp claim, and
- A continuing decline in the percentage of claims with permanent disability benefits.
The new rate applies to policies incepting on or after Sept.1, 2024.
If you have questions about your coverage, please give your agent a call.
Electric Tools Pose Dangers, Train Staff in Proper Usage
Each year, hundreds of construction workers suffer shock when handling electrical tools and equipment.
One of the big problems in understanding the dangers of electrical shock is the mistaken belief that only high voltages kill. It’s not the voltage that’s lethal, but the amount of current that passes through the body. The condition and placement of the body has a lot to do with the chance of getting a shock.
It’s important that employers train their workers about the basic facts regarding the causes of electrical shock when using these tools.
Water and electricity
Damp areas and metal objects can offer good shortcuts for electricity to reach the ground. If a worker’s hands are sweaty, if socks and shoes are moist or damp, if the floor is wet or they are standing in a puddle of water, the moisture may allow more current to pass through the body.
If work is to be done with metal objects or in damp areas, workers should recognize the hazards and take necessary precautions. These include:
- Rubber gloves and boots,
- Rubber mats,
- Insulated tools, and
- Rubber sheets that can be used to cover exposed metal.
Also, during times of rain, extra caution should be taken when working with electrical equipment or working near grounded objects.
Other precautions
It’s not just the presence of water that can cause a worker to be electrocuted. Electricity is always a danger, and workers should take all precautions necessary to avoid injury or death.
It’s important that you teach them the following:
- Treat every electric wire as if it were a live one.
- Inspect equipment and extension cords before each use.
- Take faulty equipment or plugs with bent or missing prongs out of service for repair.
- Only qualified electricians should repair electrical equipment or work on energized lines.
- If a plug doesn’t have three prongs or if the receptacle doesn’t have three openings, make sure the tool is grounded in some other way before use.
- Never try to bypass an electrical system by cutting off the third prong of a plug.
- Turn off the power and report the smell of hot or burning plastic, smoke or sparks, or the presence of flickering lights.
- Stop using a tool or appliance if a slight shock or tingling is felt.
- Never disconnect an electrical plug by pulling on the cord.
- Whenever working on an electric circuit, the circuit should be turned off and locked out at the circuit breaker or fuse box to ensure that it cannot be accidentally turned on.
- Those who regularly work on or around energized electrical equipment should be trained in emergency response and CPR.
The takeaway
The use of electrical tools requires additional precautions on the part of your workers. It’s important that you train them in proper usage and how to spot potential dangers of electrocution.