6 Tips for Businesses to Survive Winter StormsRisk Management
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With brutal winter storms slamming the country, it’s important for businesses to be prepared and to make sure employees are properly informed of all relevant policies and procedures.
In bad weather, your biggest concern should be the safety of your employees. Ensure that they are properly trained and prepared to work safely in severe weather.
1. What is Cold Stress?
Working in the extreme cold can be dangerous for employees, and precipitation, and wind exacerbate that danger. OSHA has issued guidelines offering precautionary measures to prevent cold stress, which can lead to tissue damage, hypothermia, frostbite, and trench foot – conditions that can cause serious injury or death.
Factors that contribute to cold stress are cold air temperatures, high velocity air movement, dampness of the air, and contact with cold water or surfaces. Therefore, it’s important to remember that even temperatures of 50° F with enough rain and wind can cause cold stress.
2. How to prevent cold stress while working in cold or dangerous weather
- Take breaks to get warm
- Drink plenty of liquids, but avoid caffeine and alcohol
- Avoid smoking, which constricts blood flow to skin
- Be aware of any cold weather related side-effects that their medication may have
- Know and understand symptoms of cold-related illnesses and injuries
- Stretch before physical work to prevent muscle pulls and injuries
- Wear protective clothing: At least three layers: something close to skin to wick moisture away, an insulation layer, and an outer wind and waterproof layer (outer layers should be loose to allow ventilation and prevent overheating) Wear a hat or hood, insulated boots, and gloves.
(Note: OSHA requires employers to pay only for protective gear that is out of the ordinary; employees are responsible for everyday clothing like those listed above.)
3. Proper Training
Winter weather can cause unusual conditions and higher risks, so it is important to train employees on safety procedures. They should understand the danger of exposed skin, insufficient protective wear, and cold/wet/slippery equipment. Employees also should be trained to recognize cold-weather illnesses and injuries in themselves and co-workers, and should be aware of how to treat such incidents.
4. Driving on Company Time
Another concern regarding winter weather is employees who drive a company car or vehicle as part of their workday. Driving in severe weather can be extremely dangerous, so it is important to take precautions. All vehicles should be given a safety check by a mechanic before the bad weather hits, and they should also be equipped with emergency materials such as a snow scraper, blanket, first aid kit, and flashlight.
In order to protect your company against liability, any employees who may drive in bad weather on company time should be trained in safe, cautious driving techniques, and what to do in case of an accident.
All of these cold and severe weather provisions should be included in your safety plan, and discussed before and during the onset of such weather.
Pay issues arise when weather forces your business to close for any length of time or prevents employees from making it to work even if your business remains open.
For non-exempt (typically hourly) employees, you are only required to pay them for the hours they actually work. Thus, if your business opens late, closes early, closes for an entire day or if they cannot come in, you are not required to pay them for any time missed.
Exempt (typically salaried) employees are a different situation. If an exempt employee works any part of the day, you must pay them for a full day. Similarly, if the business is closed for the day, you must also pay them (unless the business is closed for a week or more). You may, however, require that they use available paid time off or vacation time, if available. If your business remains open but an exempt employee cannot come in due to weather, this is a personal reason and you do not need to pay them.
One option to ease the loss of a business day or any missed productivity is to ask exempt employees to work from home (if you are already paying them for the day).
6. Be Prepared
Employees should be informed of your company policies related to inclement weather — safety, attendance, and pay-related. You should have an established communication method to inform your employees of a business closing or delay. When bad weather is coming, address all your policies again, remind employees of communication channels to address attendance and plan for the worst potential outcome to ensure your company is prepared for the weather.
If you need more help or information to intelligently insure your business, you can reach out to our team of expert brokers. Or, if you prefer to get started on intelligent quotes, create your Embroker account today.
Tyler Chalk, Senior Account Executive, has been part of the Aviation & Aerospace Insurance Practice since 2015. Tyler sat down with the Embroker Team to share how he helps companies manage risk and customize insurance policies to fit their needs. Read on to learn more about Tyler.
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