Blog - Tag: Measured Risk Insurance
Changes Coming to Electronics, Dual-Wage Class Codes
California Insurance Commissioner Ricardo Lara on May 31 approved all of the Workers’ Compensation Insurance Rating Bureau’s recommended changes to class codes for some electronics manufacturing sectors, as well as increases to the wage thresholds for construction industry dual classifications.
The following changes will take effect for policies incepting on or after Sept. 1, 2024:
Electronics manufacturing industry
One of the changes links two more classes to the 8874 companion classification, which was created in September 2022 to cover certain low-risk classes in the electronics industry group.
Currently, 8874 is a companion class that covers payroll for lower-risk jobs in hardware and software design and development, computer-aided design, clerical and outside sales operations for two electronics industry classes:
- 3681 (manufacturing operations for electronic instruments, computer peripherals, telecommunications equipment), and
- 4112 (integrated circuit and semiconductor wafer manufacturing).
Starting Sept. 1, similar low-risk white-collar personnel currently assigned to class 3572 (medical instrument manufacturing) and 3682 (non-electric instrument manufacturing) will be linked to the 8874 companion class code.
Dual-wage increases
The thresholds that separate high- and low-wage earners in 16 dual-wage construction classes are also increasing Sept. 1.
These class codes have vastly different pure premium rates for workers above and below a certain threshold as the lower-wage workers (often who are less experienced) have historically filed more workers’ comp claims. Rates for lower-wage workers are often double the rates for higher-wage workers.
The following illustrates the changes:
| Classification | Current threshold | Threshold starting 9/1 |
| 5207/5028 Masonry | $32 | $35 |
| 5190/5140 Electrical Wiring | $34 | $36 |
| 5183/5187 Plumbing | $31 | $32 |
| 5185/5186 Automatic Sprinkler Installation | $32 | $33 |
| 5201/5205 Concrete or Cement Work | $32 | $33 |
| 5403/5432 Carpentry | $39 | $41 |
| 5446/5447 Wallboard Installation | $38 | $41 |
| 5467/5470 Glaziers | $36 | $39 |
| 5474/5482 Painting/ Waterproofing | $31 | $32 |
| 5484/5485 Plastering or Stucco Work | $36 | $38 |
| 5538/5542 Sheet Metal Work | $29 | $33 |
| 5552/5553 Roofing | $29 | $31 |
| 5632/5633 Steel Framing | $39 | $41 |
| 6218/6220 Excavation/Grading/Land Leveling | $38 | $40 |
| 6307/6308 Sewer Construction | $38 | $40 |
| 6315/6316 Water/Gas Mains | $38 | $40 |
Common Mistakes with Builder’s Risk Coinsurance Clauses
Coinsurance clauses are commonly found in a builder’s risk completed value policy.
A coinsurance clause involves the policyholder becoming a co-insurer of the risk of loss with the insurer. In other words, certain conditions would result in the insurance company not paying the total amount of loss, thereby leaving the policyholder to bear the remainder. The insured and the insurer jointly assume the risk.
The benefit of buying an insurance policy with such a clause is that the policyholder will usually have relatively low premiums compared to other similar policies that don’t contain a coinsurance clause.
That said, anyone considering a coinsurance clause should understand what it entails and requires, so that they aren’t taken by surprise with penalties if a loss should occur.
A typical coinsurance clause found in a builder’s risk completed value policy will say that the insurer will not pay more for any loss than the proportion that the limit of insurance bears to the value of the structure described in the declarations as of the structure’s date of completion.
How it works
The way a coinsurance clause works with the policy limit is often a source of confusion for policyholders.
Take a loss of $20,000 with a policy limit of $100,000, for instance. It would superficially appear as though the insurer would be responsible for the total loss.
But, once the coinsurance clause is figured into the equation, the insurer might not be responsible for paying the total loss amount. This will depend on the policyholder maintaining enough insurance to avoid the coinsurance penalty.
If the coinsurance is applied, it might look something like this:
Still using the $100,000 policy and $20,000 worth of damage from above, the completed value of the project will be determined as $120,000 at the time of loss. The value of the $100,000 policy is only 80% of the $120,000 actual value of the project. So, the insurer is only responsible to pay $16,000, which is 80% of the $20,000 worth of damage.
Anytime the policyholder receives a lesser sum than what the full value of the claim is because of a shortfall between the completed value of the project and the policy limit, it’s termed a coinsurance penalty. The discrepancy between the two numbers can be the result of a number of mistakes made by the policyholder.
Common errors
Policyholders often make the mistake of failing to report when expected costs are surpassed. Any increased completed value must be shown in the policy limit when costs overrun original figures. The best way to make sure the policy limit is updated is by keeping your insurance agent apprised to the overruns so that the appropriate changes can be made.
All too often a policyholder makes the mistake of setting their limit of insurance based on the amount of the construction loan for the structure.
Most of the time, the completed value of the project is greater than the amount of the construction loan. An example would be a significant portion of a building project being funded by cash, but not computing the cash amount when totaling the completed value. If the insurance is only for the financed amount, then the policyholder will suffer a coinsurance penalty for any losses.
Another common mistake occurs when the policyholder doesn’t include profit and overhead in the completed value. These are generally figured at 10% for each. If not accounted for, this can cause a substantial coinsurance penalty.
Sometimes, it’s what shouldn’t be included that may lead to problems. Land value, excavations, and underground work, for example, shouldn’t be included in the completed value. These aren’t covered losses on typical policy forms. So, the policyholder would just be paying additional costs for items that wouldn’t be covered during loss.
New Rule Permits Non-Employees to Join OSHA Inspections
A new Department of Labor rule change clarifies the rights of employees to appoint an outside representative to accompany OSHA officers during workplace inspections.
OSHA inspections usually occur after a workplace has had a safety-related incident or a whistleblower has reported suspected safety violations. Attorneys representing employers say the new rule, which comes into force May 31, could be problematic for businesses trying to keep inspections free of disruptions.
Advocates for employers worry that external observers may use their new ability to collect information that can be used to convince employees to join a union.
They also see a potential for other adversaries to join the inspections in search of employer failures. These might include disgruntled former employees, plaintiffs’ attorneys, potential expert witnesses or injured workers’ family members.
OSHA stressed that the final decision as to whether to permit a third party representative to join the inspection is up to the OSHA compliance safety and health officer that conducts the inspection. Either the employer or workers may appeal to the CSHO to reject a representative, but the CSHO decides.
In its response to public comments, OSHA emphasized the importance of employee representation to gathering necessary information about worksite conditions and hazards.
It also noted that the rule does not limit third party representatives to union representatives; third parties’ ability to participate will be based on their knowledge, skills or experience.
“Third party representatives’ sole purpose onsite is to aid OSHA’s inspection,” it wrote, “and CSHOs have authority to deny the right of accompaniment to third parties who do not do that or who interfere with a fair and orderly inspection.”
Supporters of the rule argued that third parties may:
- Have important technical or subject matter expertise.
- Have language skills and cultural knowledge.
- Increase employees’ trust in the inspections.
- Improve inspections of multi-employer worksites such as construction sites.
- Balance the rights of employers and employees.
The takeaway
Employers may be more likely to face litigation and a difficult discovery process after an accident when the revised walkaround rule comes into force this month, legal pundits say.
Some observers recommend that employers stand ready to object to participation from plaintiffs’ attorneys who may not have much workplace safety expertise but who know how to fish for clients. It will be important that they evaluate the need for a particular third party to participate in the inspection.
The rule might not take effect on schedule. Court challenges from the groups who have opposed it are anticipated. A court might issue an injunction preventing the rule’s enforcement during litigation.
That is uncertain, however, so employers should be ready on May 31 to permit third parties to join OSHA inspectors on their premises if workers request it.
Protect Yourself against Liability Exposure from Subcontractors’ Employees
As a business owner, you could be held liable for the actions of other peoples’ employees.
U.S. employment law has long recognized that workers may have an employment relationship with multiple entities at the same time. That means your company could get stung with OSHA fines, Title VII discrimination claims and other actions that arise from the actions of an employee that you thought was a subcontractor.
Here’s why:
In Secretary of Labor vs. Summit Contractors, the 8th Circuit ruled that companies that exercise overall control of a job site can be held liable for workplace infractions – even when the individual or individuals directly responsible for the infraction were employees of another firm, and no employees of the controlling employer were directly involved.
Furthermore, even if your company doesn’t exercise direct supervisory control of subcontractors, courts have held that a de facto employment situation exists if the controlling employer simply reserves the right to exercise control.
Protecting yourself
Here are some ways to safeguard yourself from joint employer liability:
- Ensure that all subcontractors have employee liability insurance and general liability insurance of their own.
- Check out the vendor or subcontractor’s track record with safety and OSHA-related claims.
- Research the subcontractor’s bonding history.
- Ensure your employer’s liability insurance covers claims that may arise from contractors and vendors working on your property, or on worksites your company controls.
- Negotiate for an indemnification clause in any vendor contracts or subcontracting arrangements.
- Don’t rely on verbal assurances: Put the subcontractor’s responsibility for complying with OSHA standards and labor laws, rules and regulations in writing, as part of the contract.
- Hold regular safety meetings with representatives from the subcontractor’s firm, and document them.
- Don’t sign a contract with a manpower or employee leasing firm unless you have looked through it for exposure to liability from their employees.
- Ensure the vendor or subcontractor is providing job site supervision. At a minimum, ensure their management is checking on the site regularly. If all supervision is left to you, federal regulators may deem these workers to be your employees.
- Don’t discipline the subcontractor’s workers directly. Work through the subcontracting entity wherever possible. If your supervisors attempt to discipline their employees, or direct their work too closely, courts may find that a de facto employment relationship exists with your firm as well as with the subcontractor. This exposes you to liabilities that these employees may cause.
- Train your middle managers and foremen that they should not attempt to take on the role of supervisor to subcontractors’ employees and onsite vendors.
- Don’t lend heavy equipment, power tools or vehicles to subcontractors on the job site, unless you also send a designated operator. Contractors are expected to have and maintain their own equipment. Also, when you send your own operator with a forklift, for example, you can help ensure that the subcontractor doesn’t expose you to liability because of an accident caused by an unqualified operator.
For more information, or to schedule an insurance and risk exposure review, call us today.
Training Your Drivers to Avoid Road Debris
Road debris is a common problem on America’s roadways. Most accidents caused by debris are sudden and unanticipated and can result in serious injury or death.
Road debris is anything that doesn’t belong on the road, including trash, stuff that may have fallen from other trucks, branches and other natural objects that fall or blow onto the road. After big storms debris can often be found littering the roads.
This hazard contributed to more than 200,000 accidents that injured more than 39,000 people and killed 500 over a three-year period, according to the AAA Foundation for Traffic Safety. The majority of these accidents occurred on interstate and state highways.
Two-thirds of all road-debris accidents are the result of objects falling off moving vehicles.
According to the foundation, 37% of all fatal road-debris accidents involved a driver suddenly swerving to try and avoid debris. Here are some of the types of personal injury crashes that can occur when debris is on a roadway:
- Single or multiple vehicle sideswipe collisions from swerving when attempting to avoid debris.
- High-impact, rear-end collisions when a vehicle suddenly brakes to avoid debris.
- Rollovers caused by hitting debris.
- Head-on crashes from swerving to avoid debris.
The most dangerous form of road debris is that which falls off another vehicle, forcing other motorists to take quick evasive action, which can cause them to swerve or forcefully apply their brakes. However, when a driver has to suddenly react to avoid an object, they also run the risk of hitting a guard rail or another vehicle.
Train drivers
It’s important that firms with driving employees include training about the dangers of road debris and how to reduce the chances of causing an accident when encountering it.
- Drivers should stay alert at all times.
- They should keep a comfortable distance between themselves and the vehicle in front of them by following the three-second rule. This will provide enough time for a driver to take evasive action, if needed.
- If the driver is behind a vehicle hauling goods of any type, they should add another second or two to the count. Even better: They should change lanes.
- If they spy a truck with an unsecured load, they should avoid driving behind it, change lanes and pass when it’s safe to do so. This way, if something falls off, the driver doesn’t have to take evasive action.
- If a driver sees debris in the distance in their lane, they should simply change lanes calmly if there is plenty of space in an adjacent lane. If there is a car behind them, it’s courteous to flash the brake lights twice to let them know you’re dodging on purpose and give them a few extra seconds to follow suit.
If there is only one lane, no shoulder or the driver is boxed in, they should not change lanes. In these cases, they should use their best judgment and try to minimize damage to the vehicle. This may include slowing down significantly and possibly trying to adjust their lane position so that their tires don’t run over the debris. This gives them the best chance to maintain control of their vehicle, although there may be some damage to the front of the vehicle and/or the undercarriage.
Liability and insurance
It’s difficult to establish liability in road-debris accidents.
It’s a bit easier if it arises from debris suddenly flying from a truck and striking another vehicle. If the load is unsecured, the driver of that vehicle could be held at fault. If the other driver doesn’t stick around, you may be able to file a claim under your uninsured motorist coverage.
However, in cases where your driver hits debris that was laying on the roadway, your insurer may determine that your driver failed to avoid the debris because they were either distracted or speeding, and deny coverage as a result.
How to Protect Your Tools, Equipment Against Theft
One of the biggest headaches for contractors is equipment and tool theft, as thieves regularly raid worksites after hours or steal tools from parked vehicles. They can make away with tens of thousands of dollars worth of equipment, and in serious cases it can result in project delays and workers unable to do their jobs.
Also, if the theft occurs away from the contractor’s own facilities and instead at a worksite or while the equipment is in transit, the company’s commercial property insurance policy won’t cover the theft.
However, there is a policy that will cover these types of thefts: tool and equipment insurance. While you should consider this inexpensive coverage, you should also take steps to safeguard your stuff.
Examples
- In September 2023, thieves stole more than $50,000 worth of tools and landscaping equipment from a worksite run by Ground Builders Landscaping in Douglas County, Nebraska.
- A Columbus, Ohio man who committed countless thefts of tools and construction equipment across a 10-county area was sentenced to more than a decade in prison in October 2023. It is estimated that upward of around $100,000 worth of construction equipment and tools were stolen by the thief.
- In November 2022, thieves stole $100,000 worth of tools and equipment from a construction site run by SolTerra Capital Inc., a Portland, Oregon developer.
How the insurance works
Typically, commercial property insurance only covers your equipment when kept within your premises. Tool and equipment coverage is a special type of insurance known as inland marine insurance; it covers movable equipment and tools wherever you’ve stored them.
It typically covers theft, vandalism, accidental damage, and loss of tools and equipment while they are on-site, in transit or stored at a designated location.
Some policies may offer coverage for the cost of renting replacement tools or equipment to minimize project disruptions. Others include provisions that compensate you for lost income and costs incurred due to project delay if these are caused by a covered incident.
Policies typically cover tools and equipment worth up to $10,000. If the value of everything is more than $5,000, the insurer will often require that all of the items are inventoried and scheduled on the policy.
However, the insurance won’t cover:
- Usual wear and tear on equipment and tools
- Tools that are over five years old.
- Damage resulting from deliberate misuse or breakage.
If you have extremely high-value tools and equipment, you would likely need to get a separate specialized policy.
Prevention tips
Besides insurance, the best approach is to avoid having your tools and equipment stolen in the first place. Fortunately, there are steps you can take to reduce the chances of theft.
Secure equipment and tools — If you must store your equipment on-site, set aside a section of your site where you can store the gear in locked, secure storage containers when not in use. Ensure these containers are well-constructed and tamper-proof and cannot be moved. Keep in mind that tool trailers are often stolen.
Install security cameras and alarms — Security cameras and alarms, along with signs announcing their presence, can help deter thieves. Cameras also can provide evidence of theft and alarms can alert your workers of intrusions.
Implement asset marking and tracking — Adopt asset-management solutions with telematics to discourage theft and aid in recovery if equipment is stolen. Implement tracking devices on high-value assets to enable real-time location monitoring. Visibly displaying that equipment is tracked and monitored can deter theft.
Create a reporting system for missing tools — Implement a system so that employees can report missing tools. A well-designed reporting system can help track any misplaced tools, while addressing issues like theft or inaccuracies with inventory as soon as they are discovered.
Train your staff — Devote an afternoon to discuss best practices in van and tool safety and security with your team. Additionally, ensure that new staff members are informed about these measures to maintain a vigilant and secure work environment.
Conduct employee background checks — Conducting background checks during the hiring process can help combat theft on your construction site. Background checks not only verify the qualifications and past work history of potential employees, but detect any known criminal activity as well.
Cal/OSHA Raises Penalties for 2024
Cal/OSHA penalties for several workplace safety violations by California employers have increased for 2024.
The penalties for both Fed-OSHA and state violations rise annually to account for inflation under the Federal Civil Penalties Inflation Adjustment Act. Penalties for most violations increased 3% on Jan. 16 from their 2023 levels.
Here’s a rundown of the new penalties:
- General and regulatory violations, including posting and recordkeeping violations: maximum penalty is $15,873, up from $15,375 in 2023.
- The minimum penalty for a willful violation: $11,337, up from $10,981.
- The maximum penalties for willful and repeat violations: $158,727, up from $153,744.
- The maximum penalty for serious violations, including tower cranes and carcinogen use: $25,000, unchanged from 2023.
- The maximum penalty for both a serious and other-than-serious violation: $16,131, up from $15,625.
- The maximum daily penalty for a failure to abate: $16,131, up from $15,625.
- The maximum penalty for a serious or repeat violation: $161,323, up from $156,259.
The takeaway
As the maximum penalties for Cal/OSHA violations grow every year, and as a responsible employer, you should focus on keeping a safe workplace that is targeted at reducing the risk of injuries to your staff.
It not only helps avoid injuries, but also keeps a lid on your workers’ compensation costs and reduces the chances of receiving citations from Cal/OSHA.
GPS Tracking: Monitor, Protect and Optimize Your Firm’s Assets
For any business — big or niche — protecting your assets is key to protecting your company.
A lost or stolen company-issued laptop, for example, poses the risk of exposing trade secrets and confidential information, and a company car or equipment used in a crime may damage your business’s name forever.
With theft and shrinkage on the rise, it’s more important than ever that businesses embrace GPS tracking technology to keep track of their company-owned vehicles and high-value assets, including inventory.
From food service to construction, waste management, field services or whatever business you have, you can have complete control and peace of mind with a GPS asset-tracking system. Combine this with value-adding features such as fleet management and telematics, and you will have an investment that pays for itself.
The benefits
GPS tracking can benefit your organization by increasing efficiency, reducing costs, enhancing security, improving customer service — and providing valuable data for decision-making and compliance. However, it’s essential to implement GPS tracking ethically and transparently, addressing any employee concerns about privacy and data usage.
Fleet management benefits
Interval-based reporting: GPS asset trackers provide regular reporting about a vehicle’s location in intervals or when it moves.
Route optimization: GPS systems can suggest the most efficient routes, reducing costs and improving on-time performance.
Driver behavior monitoring: GPS tracking can record driver behavior such as speeding, harsh braking and excessive idling.
Stolen vehicle recovery: Tracking can assist in quickly locating and recovering stolen vehicles or assets.
Asset tracking and management
Inventory control: GPS tracking can help monitor the location and movement of valuable items, reducing theft and improving inventory management.
Maintenance alerts: Systems can schedule maintenance based on actual usage and location data, reducing downtime and extending the lifespan of assets.
Historical data: Systems store historical location data, which can be analyzed to identify trends, optimize operations and make data-driven decisions.
Other benefits
Accurate ETAs: By knowing your vehicles’ exact locations and estimated arrival times, you can provide customers with accurate information, enhancing their experience.
Proof of service: GPS tracking can prove service or delivery, reducing disputes and improving customer trust.
Geofencing: You can set up geofences and receive alerts when vehicles or assets enter or exit specific areas, helping to prevent unauthorized use or movement.
The takeaway
It might be tempting to choose cheaper, do-it-yourself options for your asset-tracking requirements, but you should remember what will be at stake. When it is your livelihood that is on the line, it is always best to trust experts who can blend hardware and software solutions tailored to your needs.
With a quick online search, you can find hundreds of asset-tracking vendors and websites that rank the different systems.
Apart from comparing prices and functions, consider the geographic coverage, after-sales support and maintenance, and other services that GPS asset-tracking vendors offer. Research which service providers other companies in your industry prefer to use, and seek reviews and recommendations from experienced GPS users.
Opioid Overdose Meds May Be Coming to Your First Aid Kit
Efforts are afoot to create new laws and regulations that would require California employers to include the opioid overdose medication Narcan in their first aid kits.
The National Safety Council (NSC) recently asked the Cal/OSHA Standards Board to create new regulations requiring construction sites and general industry workplaces to stock medications that can reverse opioid overdoses.
On the legislative front, two state assembly members have introduced bills that would require workplace first aid kits to include naloxone hydrochloride, the substance that can reverse overdoses.
More than 83,000 people died of an opioid overdose in 2022 in the U.S., including nearly 7,000 Californians, according to the Centers for Disease Control. Workplace overdose deaths jumped 500% between 2011 and 2021 and overdoses account for 9% of workplace deaths nationally. In California, overdoses accounted for 18% of workplace deaths in 2021.
Naloxone, sold under the brand names Narcan and RiVive, is available in an over-the-counter nasal spray or as an injectable.
These medications temporarily reverse overdoses from prescription and illicit opioids, are not addictive and are not harmful to people when administered.
In its Dec. 8 petition to Cal/OSHA’s Standards Board, the NSC asked it to add naloxone to the list of required items in both construction sites as well as general industry workplaces.
“With the number of workplace overdose deaths on the rise, opioid overdose reversal medication is now an essential component of an adequate first-aid kit,” wrote Lorraine M. Martin, president and CEO of the NSC. “The inclusion of an opioid overdose reversal medication requirement in rules 3400 and 1512 would help California combat the opioid crisis by ensuring worksites are appropriately equipped to respond to such an emergency.”
She also called for training to use the medication.
Legislation
Two bills are in play.
AB 1976: Authored by Assemblyman Matt Haney (D-San Francisco), this bill would require first aid kits on job sites to include Narcan. It would require the Standards Board to draft enabling regulations by Dec. 31, 2026.
AB 1996: Authored by Assemblyman Juan Alanis (D-Modesto), this measure would require operators of stadiums, concert venues and amusement parks to stock Narcan. It would not require Cal/OSHA to create new regulations as the measure is aimed at helping members of the public.
The takeaway
In light of the opioid overdose epidemic, more and more employers and operators of facilities that cater to the public have started stocking naloxone. With opioid overdoses so prevalent in U.S. workplaces (18% in California alone), the simple addition of this over-the-counter medication can save the life of a worker.
Narcan is available over the counter for around $40 at most major retail pharmacies. It’s a simple and inexpensive addition to a first aid kit for any employer. It would be good practice to keep one in your safety kit … just in case.
Meanwhile, if any of these efforts are codified, we’ll let you know.
Use Technology to Prevent Losses and Manage Risks
Businesses are increasingly using smartphones and tablets to manage risks and improve their workplace safety.
An increasing number of applications for these devices — matched with other technologies — can help companies prevent losses, reduce the chances of workplace accidents and manage risk.
There are also a number of innovative apps that allow businesses to identify, report and address safety issues, security risks and other problems remotely.
This technology can make life easier for a company’s risk manager or human resource officers, adding another layer of protection.
Onsite systems
Mobile devices can now connect to business security and utilities systems. Many security equipment vendors offer apps that give business owners instant information when they’re away from the premises.
For example, the system may send a text alert to a smartphone if a security camera picks up sudden movements. Other systems communicate via apps that will send alerts to you on your phone in similar situations.
Other products may stream videos from multiple security cameras to a smartphone app, enabling the owner or personnel to keep an eye on the premises during off hours. This real-time information can help business owners limit the size of losses.
For example, a system might send a text alert when it detects a leak in the building’s plumbing system. Once alerted, the building owner can shut off the water remotely or in person, thus limiting the extent of the damage.
Video from cameras that monitor the premises can also be saved and used in helping businesses and police recover stolen property. A coffee manufacturer in Portland, Oregon, implemented a system like this.
Weeks after installation, the company recorded video of a burglar stealing thousands of dollars in equipment. The owners downloaded the video, sent it to the local police and posted it on social media channels. The video produced a full criminal investigation, arrest and conviction.
Risk management apps
There are several noteworthy applications on the market that businesses can use to manage their risks and workplace safety. The apps make it easy for employees to communicate with management about possible hazards that could lead to injuries in the workplace, particularly for employers with multiple locations or far-flung operations.
All of the following are available for both the iPhone and Android operating systems.
RiskReporter — This app is designed to help risk managers keep track of their organization’s potential risks. Users can record risk-related events as they occur and e-mail them to supervisors, all the while noting suggested risk-control measures and action plans.
Origami Mobile — The app enables risk professionals, employees and contractors to conduct job site audits and inspections and report incidents from locations nationwide even in instances where Wi-Fi is unavailable.
Users are able to detect and report workplace operational hazards and behavior trends, monitor effectiveness of safety programs, gather and leverage real-time incident data and provide coaching and training services to workers.
Kizeo Forms —This app allows users to customize components of the app specifically to their workplace. Its main function is the ability to report incidents from remote locations. Features include geolocation and the ability to fill out data from remote customer locations without internet.
The app also includes features like:
- Remote near-miss reporting
- Remote security log
- Remote risk assessment
- Remote check of personal protective equipment
- Ergonomics inspection.
Risk Assessor —This app lets you create detailed safety reports from your phone or tablet. You can brand up the reports with your company details and create a bespoke hazard and control list to suit your business.