Dividend News from Lovell Safety Management

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Lovell Safety Groups Earn Dividends

New York, NY… Lovell Safety Management Co., LLC, announced the 2015 – 2016 dividend earnings of three of its Safety Groups:


New York Hospitals and Health Care Entities, Safety Group #275

New York Construction Industry, Safety Group #469

New York State Printing and Imaging Association, Safety Group #514 

Safety Group #275 paid a 10 percent dividend. Qualifying members received an advance discount of 20 percent.

Safety Group #469 paid a 25 percent dividend. Qualifying members received an advance discount of 25 percent. 

Safety Group #514 paid a 30 percent dividend. Qualifying members received an advance discount of 25 percent.  
 
Lovell Safety Groups are fully insured, non-profit entities that return any underwriting profit to group members. Any extra premium dollars collected-not used to pay losses or expenses-can be returned to members in the form of a dividend. Lovell Safety Groups provide businesses with the benefits of a guaranteed cost premium with additional savings earned through dividends.

For more information about Lovell Safety Groups, please contact: 
Dawn Ardolino, Lovell Safety Management LLC.; P: 212-709-8658; 
Email: information@lovellsafety.com

Winter Weather Be Prepared

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Outdoor work requires proper preparation, especially in severe winter weather conditions. Although OSHA does not have a specific standard that covers working in cold environments, employers have a responsibility to provide workers with employment and a place of employment which are free from recognized hazards, including winter weather related hazards, which are causing or are likely to cause death or serious physical harm to them (Section 5(a)(1) of the Occupational Safety and Health Act of 1970). Employers should, therefore, train workers on the hazards of the job and safety measures to use, such as engineering controls and safe work practices, that will protect workers’ safety and health.
Employers Should Train Workers
At a minimum train workers on:
  • Cold Stress:
    • How to recognize the symptoms of cold stress, prevent cold stress injuries and illnesses
    • The importance of self-monitoring and monitoring coworkers for symptoms
    • First aid and how to call for additional medical assistance in an emergency
    • How to select proper clothing for cold, wet, and windy conditions
  • Other winter weather related hazards that workers may be exposed to, for example, slippery roads and surfaces, windy conditions, and downed power lines
    • How to recognize these hazards
    • How workers will be protected: engineering controls, safe work practices and proper selection of equipment, including personal protective equipment
Employers Should Provide Engineering Controls
Engineering controls can be effective in reducing the risk of cold stress. For example, radiant heaters may be used to warm workplaces like outdoor security stations. If possible, employers should shield work areas from drafts or wind to reduce wind chill.
Employers should use engineering controls to protect workers from other winter weather related hazards, for example, aerial lifts or ladders can be used for safely applying de-icing materials to roofs, to protect workers from the hazard of falling through sky lights.
Employers Should Implement Safe Work Practices
Safe work practices that employers can implement to protect workers from injuries, illnesses and fatalities include:
  • Providing workers with the proper tools and equipment to do their jobs
  • Developing work plans that identify potential hazards and the safety measures that will be used to protect workers
  • Scheduling maintenance and repair jobs for warmer months
  • Scheduling jobs that expose workers to the cold weather in the warmer part of the day
  • Avoiding exposure to extremely cold temperatures when possible
  • Limiting the amount of time spent outdoors on extremely cold days
  • Using relief workers to assign extra workers for long, demanding jobs
  • Providing warm areas for use during break periods
  • Providing warm liquids (no alcohol) to workers
  • Monitoring workers who are at risk of cold stress
  • Monitoring the weather conditions during a winter storm, having a reliable means of communicating with workers and being able to stop work or evacuate when necessary
  • Acclimatizing new workers and those returning after time away from work by gradually increasing their workload, and allowing more frequent breaks in warm areas, as they build up a tolerance for working in the cold environment
  • Having a means of communicating with workers, especially in remote areas
  • Knowing how the community warns the public about severe weather: outdoor sirens, radio, and television
    • The National Oceanic and Atmospheric Administration (NOAA) provides multiple ways to stay informed about winter storms. If you are notified of a winter storm watch, advisory or warning, follow instructions from your local authorities: NOAA Weather Radio
Employers Should Consider Protective Clothing that Provides Warmth
Employers must provide personal protective equipment (PPE), for example, fall protection, when required by OSHA standards to protect workers’ safety, and health. However, in limited cases specified in the standard (29 CFR 1910.132), there are exceptions to the requirement for employers to provide PPE to workers. For instance, there is no OSHA requirement for employers to provide workers with ordinary clothing, skin creams, or other items, used solely for protection from weather, such as winter coats, jackets, gloves, parkas, rubber boots, hats, raincoats, ordinary sunglasses, and sunscreen (29 CFR 1910.132(h)(4)). Regardless of this, many employers provide their workers with winter weather gear such as winter coats/jackets and gloves.
Learn more about PPE requirements and how to design an effective PPE program: Personal Protective Equipment (OSHA Safety and Health Topics Page).
Dressing Properly for the Cold
Dressing properly is extremely important to preventing cold stress. When cold environments or temperatures cannot be avoided, the following would help protect workers from cold stress:
  • Wear at least three layers of loose fitting clothing. Layering provides better insulation.
    • An inner layer of wool, silk or synthetic (polypropylene) to keep moisture away from the body. Thermal wear, wool, silk or polypropylene, inner layers of clothing that will hold more body heat than cotton.
    • A middle layer of wool or synthetic to provide insulation even when wet.
    • An outer wind and rain protection layer that allows some ventilation to prevent overheating. 
  • Tight clothing reduces blood circulation. Warm blood needs to be circulated to the extremities. Insulated coat/jacket (water resistant if necessary)
  • Knit mask to cover face and mouth (if needed)
  • Hat that will cover your ears as well. A hat will help keep your whole body warmer. Hats reduce the amount of body heat that escapes from your head.
  • Insulated gloves (water resistant if necessary), to protect the hands
  • Insulated and waterproof boots to protect the feet
Safety Tips for Workers
  • Your employer should ensure that you know the symptoms of cold stress
  • Monitor your physical condition and that of your coworkers
  • Dress appropriately for the cold
  • Stay dry in the cold because moisture or dampness, e.g. from sweating, can increase the rate of heat loss from the body
  • Keep extra clothing (including underwear) handy in case you get wet and need to change
  • Drink warm sweetened fluids (no alcohol)
  • Use proper engineering controls, safe work practices, and personal protective equipment (PPE) provided by your employer
The original OSHA article and the source can be found here.

Visit Lovell Safety at the PIA Metro RAP – Thursday, January 26, 2017

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Visit Lovell at the PIA Metro RAP January 26, 2017 in New York, NY. We will be at Booth #57.        
Learn about what Lovell has to offer including:
Lovell Safety Management offers up-front discounts of up to 20% and dividends as high as 30% to Safety Group enrollees. Our experience, expertise, level of service, and industry vision continue to benefit our broker producers. We pay commissions to brokers and respect your relationship with your clients.     
We look forward to seeing you in New York! 
Your Workers’ Compensation Insurance Experts for over 80 Years
For more information, visit our website: Lovellsafety.com 

Happy Holidays from Lovell Safety

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Dividend News from Lovell Safety Management

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New York, NY… Lovell Safety Management Co., LLC, announced the 2015 – 2016 dividend earnings of three of its Safety Groups:
  • Master Painters and Decorators, Safety Group #135
  •  
  • New York Paper Products Manufacturers, Safety Group #162
  •  
  • Roofers and Sheet Metal Employers of Greater New York, Safety Group #411 
Safety Group #135 returned to members a 22.5 percent dividend. Qualifying members received an advance discount of 20 percent. The advance discount was increased to 
25 percent for qualified insureds who were members of the Group on the 1/1/17 renewal.
Safety Group #162 paid a 20 percent dividend. Qualifying members received an advance discount of 20 percent. The advance discount was increased to 25 percent for qualified insureds who were members of the Group on the 1/1/17 renewal.


Safety Group #411 paid a 27.5 percent dividend. Qualifying members received an advance discount of 20 percent. The advance discount was increased to 
25 percent for qualified insureds who were members of the Group on the 1/1/17 renewal.
Lovell Safety Groups are fully insured, non-profit entities that return any underwriting profit to group members. Any extra premium dollars collected-not used to pay losses or expenses-can be returned to members in the form of a dividend. Lovell Safety Groups provide businesses with the benefits of a guaranteed cost premium with additional savings earned through dividends.

Thanksgiving Greetings from Lovell Safety

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Visit Lovell at Booth #29 at the PIA Hudson Valley RAP October 20th in Tarrytown

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Visit Lovell at the PIA Hudson Valley RAP October 20, 2016 in Tarrytown, NY. We will be at Booth #29.        
Learn about what Lovell has to offer including:

Cash-flow savings through high advance discounts 
Substantial savings from consistent dividends 
Improved experience ratings 
Safety programs resulting in fewer accidents and higher productivity 
Early medical intervention and return-to-work strategies 

Lovell Safety Management offers up-front discounts of up to 20% and dividends as high as 30% to Safety Group enrollees. Our experience, expertise, level of service, and industry vision continue to benefit our broker producers. We pay commissions to brokers and respect your relationship with your clients.     
We look forward to seeing you in Tarrytown! 
Your Workers’ Compensation Insurance Experts for over 75 Years
For more information, visit our website: Lovellsafety.com 

OSHA 10 Hour Construction Course October 20 and 21, 2016

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To aid in your compliance with the various Federal, State and City regulations requiring this training, the LSM safety department is once again offering the OSHA 10 Hour Course.  The course is provided by our OSHA certified instructors. Each employee who successfully completes the program will receive a certification card from OSHA.