AutoRisk Publications

AutoRisk Publications come in three types: Newsletters, Videos, and White Papers to help you manage the "Risks" associated with owning and operating your automotive business.

OSHA Ahead Part 6

OSHA Ahead Part 6

When it comes time for renewal of your insurance policy, you can use the fact that you are pro active in creating a workplace that goes beyond what the federal government mandates with regard to occupational safety to create a better, more cost effective risk management program. One thing an insurer looks at when underwriting a risk is the history of losses. Because being pro…

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OSHA Ahead Part 5

OSHA Ahead Part 5

This article is part five of a six part series discussing how OSHA is Ahead for the automotive industry in Colorado and how businesses in the automotive industry can make sure that they are compliant when OSHA comes to perform an inspection. We have previously discussed: OSHA’s focus on making sure the Automotive Industry in Colorado is compliant Identifying items that are subject to citation…

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OSHA Ahead Part 4

OSHA Ahead Part 4

One of the things that any entity can do in order to reduce the risk of being cited by OSHA is to develop and implement a written safety plan. In this article we will discuss developing the plan in house, and discuss the resources an entity can use to analyze, write and implement the plan. This is the fourth of six installments of a series…

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OSHA is ahead for 2017

OSHA is ahead for 2017

On October 1, 2016; the OSHA Region VIII Office renewed the Local Emphasis Program Targeting the Automotive Industry for 201 7 . WHAT ARE THE KEY FACTS OF THE 2017 OSHA AUTOMOTIVE LOCAL EMPHASIS PROGRAM? Since the inception of the Local Emphasis Program on April 16, 2013, the Englewood Area Office has conducted 257 inspections. 77% of the time ( in 197 inspections ,) the…

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2017 Tow Truck Insurance Market

2017 Tow Truck Insurance Market

Why There are Fewer Choices There are three reasons why there are fewer choices available to insure risks in the towing and recovery industry. Insurance carriers were interested in handling these risks because they saw high premiums. However they did not understand the true costs of insuring these risks and the high claims payouts associated with them. Tow truck operators have a hard time hiring,…

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DOT Inspections

DOT Inspections

How DOT Inspections Work The Department of Transportation (DOT) helps make sure that motor carriers engaged in interstate commerce perform their operations in a safe manner compliant with DOT regulations. As part of their work, they have established protocol for safety inspections. The DOT has an electronic online system known as the Safety and Fitness Electronic Records (SAFER) System. It’s main purpose is to provide…

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Medical Examinations And FMCSA

Medical Examinations And FMCSA

Colorado Requires A Medical Card for Commercial Drivers: The FEDERAL MOTOR CARRIER SAFETY ACT (FMSCA) requires drivers of commercial motor vehicles engaged in interstate commerce to have a medical examination performed by a medical provider authorized by the FMCSA. The purpose of the medical examination is to screen for conditions which affect the ability of an operator of a Commercial Motor Vehicle to safely operate…

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CyberRisk part-2 of part-2

CyberRisk part-2 of part-2

Last month we discussed how cyber liability exposures are typically not included in commercial insurance programs . . . see our blog post on our website. SO — What are Steps You can take to control Cyber Risks: 1. Invest in virus protection, malware and internet security software.The worst mistake a business can make regarding its cyber protection is not having any at all. A…

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OSHA to Continue in 2016

OSHA to Continue in 2016

October 1st, 2016, Denver Colorado OSHA to continue Automotive Industry Focus in 2016 On October 1st, 2015 the OSHA Regional Office renewed the Local Emphasis Program Targeting the Automotive Industry for 2016. WHAT ARE THE KEY FACTS OF THE 2016 OSHA AUTOMOTIVE EMPHASIS PROGRAM Initially a 2013 to 2014 Program — renewed for 2015 — renewed again for 2016 The 2013 to 2014 program inspected…

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Cyber crime concept in word tag cloud isolated on white background

CyberRisk part-1 of part-2

CyberRisk Insurance – you probably have no Coverage . . . . . . Commercial General Liability Policies, Commercial Crime Policies, Commercial Property Policies, Business Owner Protection Policies, Garage Liability Policies, Professional Liability Policies do not offer coverage or specifically exclude coverage. Cyber attacks have become so commonplace in the daily news cycle and small businesses are vulnerable and often don’t have the resources to…

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Personal Protective Equipment White Paper

Personal Protective Equipment White Paper

OSHA Requires that employers control both physical and health hazards, so as to prevent employee injury and illness. The first line of defense is to use an engineering control to eliminate the hazard. When the employer has used engineering controls and the hazard still exists, then personal protective equipment (PPE) can be used. The use of PPE requires that the employer conduct a hazard assessment…

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OSHA Record keeping White Paper

OSHA Record keeping White Paper

Under the OSHA Recordkeeping Regulation, “covered employers” are required to maintain records of serious occupational injuries and illnesses, as well as publicly post records by using the OSHA 300 and 300A Log. Additional accident information is on the OSHA 301 form. This information is to be used by employers to evaluate safety in the workplace. In addition, if an OSHA inspector shows up at your…

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Machine Guarding Whitepaper

Machine Guarding Whitepaper

Proper machine guarding is essential for protecting workers from needless and preventable injures. Any machine can be the source of injury if is not adequately and correctly guarded. Dangerous moving parts can be classified in three basic areas: Point of Operation – the point were work is performed on the material such as cutting, shaping, boring, or forming. The point of operation varies depending on…

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Lockout Tagout White Paper

Lockout Tagout White Paper

The OSHA standard for The Control of Hazardous Energy, known as “Lockout and Tagout” (LOTO) requires employers to control hazardous energy during service and maintenance activities in automotive repair shops. The purpose of a LOTO program is to protect employees from workplace hazards where hazardous energy has the potential to injure the employee. Hazardous energy refers to: mechanical motion; potential energy due to pressure, gravity,…

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Hazard Communication White Paper

Hazard Communication White Paper

The Hazard Communication Standard was implemented by OSHA as the result of serious injury and death to employees that were working with chemicals and substances. The tragedy of these injuries and deaths was that information about health hazards was not fully communicated to employees. As a result, the hazard communication rule requires that employers have a written hazard communication program that must include specific program…

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Forklift Safety White Paper

Forklift Safety White Paper

Forklifts or, as OSHA classifies them, Powered Industrial Trucks, are used in nearly every industry. They are a useful tool, but unfortunately many people are injured driving and using forklifts. OSHA has recognized this and has promulgated very complete driver training requirements. Training should be customized to address the unique aspects of your work environment as well as the specific job fuctions that drivers would…

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Automotive Lift Safety White Paper

Automotive Lift Safety White Paper

Automotive lifts are reliable but safe ongoing operations requires regular inspections to ensure the lifts receive maintenance and repairs. In addition, each employee that uses a lift must receive training including: safe usage, meaning of the warning decals, importance of lifting points, manufacturers instruction and conduct a pre-use inspection. Periodic retraining is expected as well. All training and inspections must be documented. Conduct inspections before…

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Designated Medical Provider White Paper

Designated Medical Provider White Paper

In order to effectively manage workers’ compensation claims, you as the employer must have a clear picture of what steps to take when an employee tells you that he/she has suffered an injury. You have an obligation to gather the information related to the injury, do an investigation, and file the first report of injury with your workers’ compensation insurance carrier. If the injury requires…

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Electrical Safety White Paper

Electrical Safety White Paper

Electricity has long been recognized as a serious workplace hazard. OSHA’s electrical standards are designed to protect employees exposed to dangers such as electric shock, electrocution, fires, and explosions. Electrical hazards are addressed in specific OSHA standards. While many shops will work on vehicle electrical systems, the electrical systems for the building are often overlooked. It is important that the shop owners provide electrical safety…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART THREE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART THREE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART THREE: Simple steps you can take to prioritize and address and eliminate common non-compliant areas SIMPLE STEPS TO ADDRESS AREAS IN YOUR BUSINESS SUBJECT TO CITATIONS Use the results from an inspection conducted by our current workers compensation provider Use materials available from your parts supplies websites on safety and compliance or from…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART TWO OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry-PART TWO OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART TWO: How you can quickly identify areas in your business subject to immediate citations. IDENTIFYING AREAS IN YOUR BUSINESS SUBJECT TO CITATIONS Use your current workers compensation provider to conduct an inspection Request your current workers compensation provider to provide you a self-inspection checklist Use an OSHA outreach program, available through Colorado State…

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OSHA–Colorado’s “Emphasis Program” generating fines and penalties in the automotive industry- PART ONE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties in the automotive industry- PART ONE OF SIX

OSHA–Colorado’s “Emphasis Program” generating fines and penalties within the automotive industry PART ONE: The Scope of the Occupational Health and Safety Administrations’ (OSHA) emphasis Program and historical top citation areas WHAT ARE THE KEY FACTS OF THE OSHA AUTOMOTIVE EMPHASIS PROGRAM It was a 2013 to 2014 Program which was renewed for 2014 to 2015 in October 2014 The 2013 to 2014 inspected 137 facilities generating 105…

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Work Comp Medical Providers  Colorado House Bill 1383  What must be done to comply . . .

Work Comp Medical Providers Colorado House Bill 1383 What must be done to comply . . .

Work Comp Medical Providers Colorado House Bill 1383 What must be done to comply . . . What is it? During the 2014 Colorado Legislative Session, state lawmakers passed House Bill 1383, which requires employers to increase the number of medical providers they designate to treat their injured workers from two to four. The new law goes into effect April 1, 2015.VIEW BILL What you…

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