{"id":2859,"date":"2019-09-17T10:00:00","date_gmt":"2019-09-17T15:00:00","guid":{"rendered":"http:\/\/ayala-insurance-service.one.zysites.com\/blog\/five-tips-for-preventing-struck-by-object-liability-claims\/"},"modified":"2019-09-17T10:00:00","modified_gmt":"2019-09-17T15:00:00","slug":"five-tips-for-preventing-struck-by-object-liability-claims","status":"publish","type":"post","link":"https:\/\/www.ayalainsurance.com\/es\/blog\/five-tips-for-preventing-struck-by-object-liability-claims\/","title":{"rendered":"Five Tips for Preventing Struck by Object Liability Claims"},"content":{"rendered":"

Five Tips for Preventing Struck by Object Liability Claims <\/span><\/p>\n

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If you\u2019re familiar with your business insurance plan, you\u2019ve probably examined its professional liability coverage to great extent. Between employee slip-and-fall injuries, construction site injuries, fleet accidents and more, there are a lot of situations which can result in financial trouble.<\/p>\n

Many policyholders don\u2019t give a certain workplace disaster factor enough attention, however: The Struck by Object claim.<\/p>\n

Identifying the Struck by Object Claim<\/h2>\n

To better secure your business insurance policy\u2019s worth\u2014as well as your business\u2019s security\u2014you should learn how to protect customers, employees, contractors and yourself from Struck by Object cases. To do so, however, you\u2019ll need to understand what they are.<\/p>\n

Struck by Object is an injury category listed within the Occupational Injury and Illness Classification System (OIICS) by the Bureau of Labor Statistics. This system determines liability claims when injuries happen at a place of work. Struck by Object occurs when an object strikes and injures an employee, worker or customer. If it\u2019s the other way around\u2014and the individual strikes the object and experiences an injury\u2014this isn\u2019t the case.<\/p>\n

Struck by Object claims occur often. Between rolling, sliding and falling objects, a workplace can become a hazard. Because the Struck by Object claim has a wide classification, it\u2019s important to safeguard your business against it. Check out the following tips.<\/p>\n

Tip One: Secure Building Sites and Warehouses
\nBuilding sites and warehouses are high-risk environments. Because the items in these areas aren\u2019t stationary, they\u2019re more likely to move\u2014and injure\u2014individuals. As such, your business needs to maintain strict safety procedures.<\/p>\n

Tip Two: Regulate Item Storage Spaces
\nStruck by Object claims can occur in offices and retail storefronts, too. For this reason, it\u2019s important to regulate where your employees stow objects\u2014heavy or not. Don\u2019t stow packed stationary, books or computer equipment on high shelves, as a single misstep can cause them to fall and strike somebody.<\/p>\n

Tip Three: Uphold Your Duty of Care
\nAs an employer, you have a duty of care to your employees. This means you should create, and follow, your business\u2019s health and hafety guidelines to protect your employees from environmental dangers. As part of your duty of care, use suitable safety training procedures.<\/p>\n

Tip Four: Enforce Protective Clothing
\nYour employees should wear hard hats, work gloves and protective clothing if they\u2019re working in dangerous environments. Protective clothing policies can drastically reduce workplace injury claims. If an object falls, slides or rolls into a worker\u2014protective gear might make the difference between a simple mistake and a severe injury.<\/p>\n

Tip Five: Maintain Fleet Safety
\nIf your business has a vehicle fleet, make sure you maintain every vehicle. It\u2019s also a good idea to enforce fleet safety protocols to keep your drivers safe. Struck by Object claims are still possible if a victim is in a vehicle\u2014or even if they\u2019re struck by one.<\/p>\n

In any event, practice preventative safety. The best way to protect yourself from a Struck by Object claim is to reduce the likelihood of it in the first place. Before selecting your business insurance policy\u2019s liability coverage, focus on your workplace\u2019s safety\u2014your employees, and customers, will thank you.<\/p>\n

<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

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