Rev Up Your Driver Safety to Reduce the Risk of Accidents

June 7, 2018

Do you follow the speed limit when you drive? You may think going a few miles over is no big deal. But speeding plays a role in nearly a third of car crash deaths. By slowing down, you could save lives.

 

That’s one of many ways to practice driver safety. Taking the proper precautions can reduce your risk of accidents, which happen all too frequently in Colorado.

 

Last year, vehicular accidents made up almost half of Pinnacol’s fatality claims. At the same time, deadly accidents in Colorado rose to the highest level in at least a decade. From 2006 to 2010, vehicles caused 39 percent of our fatal claims with injuries. The average cost of a vehicle accident claim is $23,037, or more than double our second-most-expensive claim: slips, trips and falls.

 

No industry is immune to accidents. The health care industry accounts for the highest number of vehicle claims, but trucking accounts for the highest number of fatalities.

 

Whatever your industry, embracing better driving safety protocols benefits everyone who works for you. Implement these tips to get your workers on the road to safer driving.

Conduct safety inspections on your vehicles
Use our checklist to inspect your company vehicles for safety at least once a year.

Initiate a companywide driver safety program
Follow these suggestions from NIOSH to begin. Put your policies into writing, and conduct evaluations of your current drivers.

Post on-site reminders to buckle up
In Colorado, only 81 percent of drivers and front-seat passengers wear seat belts, which is lower than the national average of 86 percent. Hang seat belt safety posters in English and/or Spanish by exits and garages reminding people to fasten their seat belts.

Encourage device-free driving
Distracted driving, from such actions as taking your eyes off the road to text, leads to an average 411,000 injuries across the country each year, according to the Centers for Disease Control and Prevention. Urge your workers to silence their devices and cell phones or even put them in the glove compartment or trunk when they drive.

New in 2018: Sign up for StriveSafe, driver performance management technology
StriveSafe and Pinnacol have teamed up to offer Pinnacol policyholders a driver performance management solution at an exclusive, discounted price. Businesses using StriveSafe have reported up to 90 percent reduction in accidents in the first year of use, and improved operational efficiencies resulting in up to a gallon of gas savings per vehicle per day. StriveSafe helps identify and sustainably correct risky driving behaviors that pose significant risk, such as:
– Speeding.
– Hard braking.
– Rapid acceleration.
Watch a short video to see how it works.

Consult our Driver Safety Center for more ideas and resources. Questions? Contact us at safetyoncall@pinnacol.com or call us at 303.361.4700.

Cyber Security 101

October 13, 2017

By Jason VanGotten, Colorado Restaurant Insurance —

As a restaurant owner, you’ve put your heart and soul into opening a business and running it successfully.  The responsibilities of ownership are sometimes overwhelming.  Every minute of the day is critical and typically consumed with a pressing set of high priority daily activities, such as: scheduling stock orders, coordinating schedules, closing out, and many more.  With so many tasks in a given day things like cyber security are often overlooked until it’s too late.  In a small period of time, all the hard work, money, and time you’ve invested in your business can be lost.  This is our new reality. The threats are increasingly more common whether a restaurant has multiple locations, or not.  Even large national restaurant chains (Sonic & Chipotle) have IT security holes that have allowed hackers to penetrate their networks and steal personal identifiable information.  It is a team effort between the restaurant management team (to create a process and work with employees internally), your IT provider, your point-of-sale (POS) provider, merchant services and your insurance agent to help you with these strategies.

 

Here are the facts: 

  • Malware can make its way into a POS system.
  • Credit card skimming is real.
  • There are 33 million malicious URLs on the internet today.
  • Security experts have identified 50% of the Android applications released this year could be traced to malicious data mining activities.
  • Phishing attempts are hard to spot: “read the attached pdf, word, or excel doc.”
  • It can happen by clicking the wrong item. Easy to do.
  • Additionally your friends can be hacked, and the hackers will size up your profile and pretend to be your friend communicating with you while they try to trick you into giving up a password to log into a phony site.  Maybe that is the same password you use for everything in your life?
  • Facebook, Instagram and YouTube hacking is also real.

 

The list of possible ways for your restaurant to be hacked is long.  Often the restaurant networks and the restaurant owner’s personal devices are not fully protected.  Additionally, there is currently no protection or policy in place for internal employees bringing their own devices to work.

 

What should I do?

Talk to the Colorado Restaurant Association (CRA) cyber security insurance experts.  They are partnering with security focused IT experts who can help you create an IT strategy.  The CRA also offers a cyber insurance program to help protect your business in the case of a data breach.  It is smart to be covered from all angles.

 

Attend our upcoming webinar series!

The CRA, in conjunction with their insurance company, Colorado Restaurant Insurance, will continue to highlight the subject of cyber security in an on-going series of upcoming webinars.  Come and learn more about how to protect your restaurant investment.

Safety Corner – Prevent restaurant theft from happening to you!

February 1, 2017

By Sean Pechan, Colorado Restaurant Insurance

We have been hearing from our clients about a recent uptick in burglaries within the Denver Metro area. Crimes against restaurants are typically crimes of opportunity, and these recent reports have definitely fallen into that category. Most often these burglaries happen after the restaurant has closed, however, in several instances a burglary has occurred during business hours. In almost every instance, the burglar has entered a back door (sometimes even during dinner rush). The perpetrator often takes cash and/or inventory food and liquor, then slips back out the back door of the restaurant.

We believe that implementation of some simple risk management steps can reduce your exposure to these types of loss. Besides costing your establishment potentially thousands of dollars, the loss of ‘peace of mind’ for you, your employees, and at times your customers is immeasurable.

Here are some examples of how we can work with you to help improve security and reduce your risk. Consider updating your security procedures and training all staff – including cleaning staff – so they understand their importance and follow the procedures. Develop practical policies in managing the risk of the backdoor of your restaurant (when it is acceptable to be open and how it should be respected). Limit the access of nonessential vendors and staff to back-of-house operations, especially the office where checks and cash on hand is managed. Keep inventory locked even during normal operations. Mark expensive equipment with ID numbers and keep detailed records of all inventory, and store the information off-premises for ease in reporting after the fact.

Contact your local police department for a business safety assessment. The CRI can also provide additional risk management techniques to reduce exposure to loss. We are available to offer guidance to protect your assets. Call us anytime at (303) 830-2972.