Periodically checking your property is part of a good loss control-accident prevention program. Recognizing hazards, then taking steps to reduce or eliminate them may create a safer environment for customers, employees, and visitors.

The following checklists include suggestions that are provided to help you prepare for and reduce the potential for injury and property damage. These checklists are not meant to be all-inclusive. There may be additional hazards or unsafe acts that need to be identified and corrected.

Fire Protection

• Smoke detectors are installed and functioning properly.
• Smoke detectors are cleaned and tested regularly.
• Smoke detector batteries are replaced regularly.
• Fire extinguishers are in place and serviced regularly.
• Automatic sprinkler system is regularly tested.
• Sprinkler pipes are protected from freezing temperatures.
• Flammable liquids are stored in original, labeled containers and in well-ventilated areas.
• “No Smoking” signs are posted.
• Valuable papers are stored in a fire-resistive safe.

Crime and Security

• Alarm system is periodically tested and operational.
• Alternative entryways are secured (skylights, ventilation ducts, etc.).
• Exterior doors are equipped with heavy-duty locks and reinforced.
• All entry keys are accounted for.
• Exterior windows are burglar resistant.
• Valuable merchandise is illuminated and away from display windows.
• Safe or vault area is illuminated and visible.
• Hallways, stairwells, parking lots, garages, exterior walkways have adequate lighting.
• Trees and shrubs are kept trimmed away from windows and doors.
• Background checks are performed on employees.
• Cash receipts are promptly deposited.
• Periodic, unscheduled audits of employee money handling are performed.

Water Loss Prevention

Exterior Prevention

• Roof is free of deteriorated, missing, or damaged shingles.
• Soffits, siding, trim, and flashing are free of damage, looseness, warping, or decay.
• Gutters, eaves, and downspouts are free of debris.
• Downspouts direct water away from the building and foundation.
• The area at the base of the sliding glass doors does not show evidence of any water seepage.
• Attic insulation is adequate and in good condition and soffit vents are clear.
• Basements and crawl spaces do not have any standing water or other evidence of leaks.
• Garden hoses are disconnected each fall.

Interior Prevention

• Check for signs of existing leaks on ceilings, walls, floors, or near appliances and fixtures.
• Water pipes that are exposed to freezing temperatures have been insulated.
• Hose connections are secure on all water supply lines.
• Sinks, tubs, and showers have been caulked and grouted properly.
• Washing machine hoses are replaced when they show signs of cracking, bulging, or fraying.
• The recommended maintenance procedures are followed for all appliances that use water.
• Air conditioner is serviced by a professional on a regular basis in order to help keep drain pan drain lines clear of buildups or obstructions.

Utilities

• Electrical system was installed and maintained by a qualified electrician.
• The electrical system is no overloaded.
• Electrical panels are easily accessible and labeled properly.
• The proper fuses are used and of the correct size.
• Where necessary ground fault circuit interrupters are installed.
• Appliances, electrical equipment and tools are listed with a recognized testing laboratory.
• Heating systems are properly maintained and have a regular maintenance schedule.

Business Personal Property

• Make sure back-up data is stored off-site if possible.
• Electrical equipment and appliances (e.g. computers) are protected with surge protectors.

Creating a good checklist for you business is critical to assuring that your workplace is safe for your employees, customers and visitors.  You should review your business practices and create your own checklist and review periodically to make sure your business is safe.  An IronPoint insurance agent can assist you with this, give us a call at (877) 334-7646.