Working from home https://www.stateauto.com/ en Home https://www.stateauto.com/content/home-0 <span class="field field--name-title field--type-string field--label-hidden">Home</span> <span class="field field--name-uid field--type-entity-reference field--label-hidden"><span>admin</span></span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2019-02-27T01:48:53-05:00" title="Wednesday, February 27, 2019 - 01:48" class="datetime">Wed, 02/27/2019 - 01:48</time> </span> <div class="field field--name-field-related-resources-taxonomy field--type-entity-reference field--label-above"> <div class="field__label">Related Resources Taxonomy</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/102" hreflang="en">Outside the house</a></div> <div class="field__item"><a href="/taxonomy/term/103" hreflang="en">Protecting your assets</a></div> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Working from home</a></div> </div> </div> <section class="field field--name-comment-node-resources field--type-comment field--label-hidden comment-wrapper"> </section> Wed, 27 Feb 2019 06:48:53 +0000 admin 669 at https://www.stateauto.com Back Safety: Sprains and Strains https://www.stateauto.com/content/back-safety-sprains-and-strains <span class="field field--name-title field--type-string field--label-hidden">Back Safety: Sprains and Strains</span> <span class="field field--name-uid field--type-entity-reference field--label-hidden"><span>pan9999</span></span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2018-06-29T14:33:18-04:00" title="Friday, June 29, 2018 - 14:33" class="datetime">Fri, 06/29/2018 - 14:33</time> </span> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>One, two, three ... arrrgh! And another one, two, three ... arrrgh! And another back is strained because a worker didn't adhere to the approved method of lifting. </p> <p> </p> <p>This is such a common event that training is regularly given on the appropriate way to lift and carry a load, and yet workers continue to be injured. Muscles or ligaments are strained, torn, or sprained. Injuries to the back result in literally millions of man-hours lost from work annually.</p> <p>Your back is a finely tuned organic machine comprised of bone, ligaments, and muscles that perform flawlessly over our lives. We take it for granted until we injure it.</p> <p>When injured, however, this marvelous organic machine can cause horrendous, debilitating pain and become a collapsing scaffold.</p> <p>Our backs perform without a murmur of protest as we go through our various job activities. Movements such as sitting, standing, kneeling, and even lying prone on the floor require your back to perform. It only takes one small sprain for you to notice just how much you use your back.</p> <p>Back injuries and difficulties are the primary injury that happens on the job. Companies must pay out thousands in workman's compensation losses for each back injury claim.<br /> Workers pay out in terms of reduced or lost wages, emotional distress, and physical pain that can linger for years or even for the rest of the worker's life. Is it really worth the aggravation of injuring your back just because you don't want to spend less than a second to properly adjust your posture? <br /><br /> Some of the wrong ways to lift are:</p> <ul><li>not bending your knees</li> <li>positioning your feet wrong</li> <li>having an improper grip</li> <li>having your weight not properly centered</li> </ul><h2>To help avoid back injury</h2> <p> </p> <p><strong>Maintain good physical conditioning.</strong> Ask your doctor for some exercises that will help you keep your muscles strong and properly toned.<br /><br /><strong>Investigate the item you will be lifting. </strong> If it seems too large or weighs too much for you to properly lift, then ask for help. Many workers hesitate to ask for help because they fear that others will think they are weak or lazy. Don't allow this mindset to cloud your judgment. If the load is heavier than around 40 pounds, if one end is heavier than the other, if it is awkwardly shaped or difficult to manage by yourself, then don't. Ask a co-worker for help.</p> <h2>The right way to lift</h2> <p> </p> <ul><li>Place one foot alongside the load to be lifted and one foot slightly to the rear of the load. The back foot will be positioned to provide the upward thrust that the lift will require. The body should be positioned close to the object.</li> <li>Keep arms and elbows close to the body to help keep the weight centered. Using a palm grip, grasp a lower front corner and opposite upper back corner with your fingers and hand placed around the corners.</li> <li>Using a squatting position, keeping your back straight (not straight up but in a straight line), tuck your chin in to your chest to help maintain the straight line of your spine. Begin the lift by straightening your legs and thrusting with the rear foot. You should feel the strain in your legs, not your back. <p> </p> </li> </ul><h2>Remember</h2> <p> </p> <ul><li>The discs which separate each vertebra are essential for pain-free operation of your back. A disc can become pinched by improper lifting.</li> <li>Your back is susceptible to injuries such as hernias, sprains, or strains.</li> <li>"Once your back is injured the first time, it is more likely to be injured again.</li> </ul><h2>Points to ponder</h2> <p> </p> <ul><li>Have you ever lifted large or weighty loads quickly without paying attention to how you are performing the task?</li> <li>" Do you stay in shape by exercising and keep your muscles toned?</li> <li>" Do you have an annual physical?</li> <li>" Do you have coworkers, other team members, or material handling aids to assist you in moving large, awkward or weighty loads?</li> </ul><h2>Lifting tips</h2> <p> </p> <ul><li>Keep your feet about shoulder width apart to help keep you stable.</li> <li>Your knees should be bent, not your back.</li> <li>Don't twist or reach over too far. Don't "jerk" the load to lift it. Keep your lower back rolled inward and your abdomen muscles tight.</li> <li>Use safety equipment such as back belts or material handling equipment if you need them and if you are properly trained to use them.</li> <li>Keep a snug grip on the load. Never use a pinch grip. Use the entire hand to spread the weight.</li> <li>Properly support your back.</li> <li>Ensure that you sit up straight and don't slump when you walk or sit. You back will be stronger if you practice good posture.</li> </ul><p> Download the <a href="/uploadedFiles/Content/Resource/Risk_Engineering/State_Auto_Back_Safety_Sprains_Strains_Resource.pdf" title="Back Safety: Sprains and Strains">Back Safety: Sprains and Strains</a> Resource (PDF)</p> <p> </p> <p> </p> <p><em>Information contained in this publication was obtained from sources believed to be reliable. State Auto Insurance makes no representations or guarantee as to the correctness or sufficiency of any information contained herein, nor guarantees results based upon use of this information. State Auto Insurance disclaims all warranties expressed or implied regarding merchantability, fitness for use and fitness for a particular purpose. State Auto Insurance does not warrant that reliance upon this document will prevent accident and losses or satisfy federal, state and local codes, ordinances and regulations. The reader assumes entire risk as to use of this information. Further, this document does not amend, or otherwise affect the terms, conditions or coverage of any insurance policy issued by State Auto Insurance.</em></p> </div> <section class="field field--name-comment-node-articleresource field--type-comment field--label-hidden comment-wrapper"> </section> Fri, 29 Jun 2018 18:33:18 +0000 pan9999 600 at https://www.stateauto.com Ladder Safety Resources https://www.stateauto.com/content/ladder-safety-resources <span class="field field--name-title field--type-string field--label-hidden">Ladder Safety Resources</span> <span class="field field--name-uid field--type-entity-reference field--label-hidden"><span>LAC6530</span></span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2018-06-22T13:22:15-04:00" title="Friday, June 22, 2018 - 13:22" class="datetime">Fri, 06/22/2018 - 13:22</time> </span> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Based on 2014 published data from the bureau of Labor Statistics, 261,930 private industry and state and local government workers missed one or more days of work due ot injuries from falls on the same level or to lower levels. Seven hundred and ninety-eight workers died from these falls. <br /><br /><strong>Particularly at risk of fall injuries are those working in:</strong></p> <ul><li>Healthcare support</li> <li>Building cleaning and maintenance</li> <li>Transportation and material moving</li> <li>Construction and extraction occupations</li> </ul><p>Workers who are male, Hispanic, older, self-employed, work in smaller establishments and work doing construction, maintenance and repair, experience higher ladder fall injury rates. <br /><br /> The construction industry experienced the highest frequency of fall-related deaths, while the highest counts of nonfatal fall injuries continue to be associated with health services and the wholesale and retail industries. <br /><br /><strong>Doesn't just about everyone have a ladder? And it seems like many aren't following ladder safety protocols.</strong></p> <h4>Ladder Safety Resources</h4> <p><strong>American Ladder Institute <sup>®</sup></strong><br /><br /> Looking for ladder safety training? Check out the <a href="http://www.americanladderinstitute.org/" title="American Ladder Institute">American Ladder Institute</a>. While you're there, earn your <a href="https://laddersafetytraining.org/" title="Ladder Safety Certificate">Ladder Safety Certificate</a>. Train yourself or your entire team online. Managers can set up a session for everyone in their group.</p> <p><strong>National Institute of Occupational Safety &amp; Health</strong><sup>®</sup><br /><br /> Since it's release in 2013 the <a href="https://www.cdc.gov/niosh/index.htm" title="National Institute of Occupational Safety and Health">National Institute of Occupational Safety and Health</a>'s Ladder Safety app has helped thousands of users set up and use extension ladders more safely to prevent falls. The app contains general ladder safety, inspection and selection guidelines and related information. The <a href="https://www.cdc.gov/niosh/topics/falls/mobileapp.html" title="Ladder Safety app">Ladder Safety app</a> is available for free, in English or Spanish, at <a href="https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewSoftware?id=658633912&amp;mt=8" title="Apple Store">Apple Store</a> and <a href="https://play.google.com/store/apps/details?id=gov.cdc.niosh.dsr.laddersafety" title="Google Play">Google Play</a>.<br /><br /><strong>OSHA® - Occupational Safety &amp; Health</strong><br /><br /> OSHA also provides <a href="https://www.osha.gov/stopfalls/index.html" title="ladder safety resources">ladder safety resources</a> in their effort to prevent workplace falls. </p> <p>To learn more about our Risk Engineering services and to view other resources, <a href="risk-engineering/" title="go here">go here</a>.  </p> <h4><strong>Download our <a href="https://stateauto.widen.net/s/jfcmnf8sfh/ch-wc66" title="Ladder Safety Technical Bulletin">Ladder Safety Technical Bulletin</a>.</strong></h4> <p> </p> <h5><em>State Auto makes no representations or guarantee as to the correctness or sufficiency of any information contained herein, nor guarantees results based upon use of this information. State Auto does not warrant that reliance upon this document will prevent accident and losses or satisfy federal, state and local codes, ordinances and regulations. The reader assumes entire risk as to use of this information.</em></h5> <h4> </h4> <p> </p> </div> <section class="field field--name-comment-node-articleresource field--type-comment field--label-hidden comment-wrapper"> </section> Fri, 22 Jun 2018 17:22:15 +0000 LAC6530 562 at https://www.stateauto.com How a new job impacts home and auto insurance https://www.stateauto.com/content/how-new-job-impacts-home-and-auto-insurance <span class="field field--name-title field--type-string field--label-hidden">How a new job impacts home and auto insurance</span> <span class="field field--name-uid field--type-entity-reference field--label-hidden"><span>SIL6504</span></span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2018-06-15T14:58:51-04:00" title="Friday, June 15, 2018 - 14:58" class="datetime">Fri, 06/15/2018 - 14:58</time> </span> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>A new job can be an exciting new start. It can also mean some lifestyle changes. Many jobs today are implementing policies that include flexible hours, working from home and an increase in travel opportunities. <br /><br /> Here are some considerations to talk about with your insurance agent when you are starting a new job. <br /><br /> For your car insurance:</p> <ul><li>If you will be using your <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">private vehicle for business purposes</span>, check with your employer and your agent to make sure you have adequate liability coverage in case of an accident. </li> <li>If the number of <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">miles you commute changes</span>, check with your independent agent. You may be able to save some money on your policy. </li> <li>If you're <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">renting a car for business purposes</span>, your employer may already have an insurance policy in place. But, your personal coverage might also be needed to pay for damage in some cases.</li> <li>If you now take <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">public transportation</span> and only use your car for pleasure trips then, your rates may be lowered so check with your independent agent.</li> </ul><p>For home insurance:</p> <ul><li>If you have <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">office equipment</span> in the house, such as a laptop or printer, talk to your agent to make sure it's covered on your homeowner insurance policy.</li> <li>If you're now <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">self-employed, doing out-sourced work or consulting</span>, you may need to purchase professional liability coverage.</li> <li>If <span style="font-family:&quot;PT Sans-Bold&quot;,Arial,Helvetica,sans-serif">clients come to your home</span>, you may need to purchase a home business or a small businessowners policy. </li> </ul><p>Let your independent agent know if you have any other questions or concerns about your job transition. </p> </div> <section class="field field--name-comment-node-articleresource field--type-comment field--label-hidden comment-wrapper"> </section> Fri, 15 Jun 2018 18:58:51 +0000 SIL6504 498 at https://www.stateauto.com