Last month we dealt with the news in Florida of the violent shooting in Bay County at the school board meeting. Last week each of us was touched by the shooting of Arizona Senator Gabrielle Gifford as she was speaking at a supermarket. We hear almost daily about the horrible violence from Mexico to Nigeria to the Middle East. Senators are having a field day promoting tougher gun control. The horrible truth is that we are surrounded by violence. The question today is as simple as this; if violence of any type breaks out in your business are you covered?
According to the "Census of Fatal Occupational Injuries" report of 2009 there were a total of 4,340 fatal workplace injuries that were recorded in the United States in 2009. That number was down from 2008 and the first decrease in workplace fatalities since the Census started in 1992. Numbers for 2010 will not be available until April, 2011. Regardless of what the numbers are unfortunate and bad things happen to good people.
The Occupational Safety and Health Administration (O.S.H.A.) has many publications on their web-site (Occupational Safety and Health Administration). one specifically covers everything from describing "Workplace Violence", who might be vulnerable, what you as the employer can do to help these employees and even suggestions on how employees can help to protect themselves.
As a business owner what can you do to financially protect your business should one of these tragic events ever take place. Most businesses have "General Liability", "Errors & Omissions", a "Businessowners Policy" or other coverage. All policies have exclusions and riders as not all risks are covered by all policies. There are several options available to you through your insurance agent from "Commercial Crime Coverage" Plans, "Owners and Contractors Protective Liability" to actual workplace violence coverage. Call Birchell Insurance Agency today at (407) 936-1572 or reach us on the web at http://www.birchellins.com and speak to one of our agents. Lets take a look at your exposure in business and how best to protect your business.