Images of poor immigrants forced to toil in the excruciating conditions of the early 1900s sweatshop come to mind as soon as you hear of a factory fire. The embarrassing episode of the NY City Triangle Shirtwaist Factory fire on March 25, 1911, was something that sparked significant changes in company fire codes and workers’ unions. Recent tragic fires at several factories in Bangladesh where US retailers manufacture clothing have also caused a stir recently.
With the headlines screaming about a major fire at a cosmetics factory in Windsor, NY, authorities – and certainly the commercial property insurer – are scrutinizing the causes with a fine-tooth comb.
After all, insurance exclusions include irresponsible maintenance and fire hazards that are not taken care of and do not meet state standards and guidelines.
Here we list some of the most important things that insurance companies and government safety codes strictly enforce.
Preventing Fire in the Workplace (or Dorm Room) – Fourteen Tips to Stay Fire Safe
• Place clear signs above all doors and exits.
• Keep all doors, windows and exits unlocked while someone is in the building.
• Regularly check all smoke, fire and carbon monoxide alarms to make sure they are working properly.
• Check the fire bells regularly to make sure they go off if a fire breaks out.
• Ensure all fire extinguishers are strategically placed for easy access in case of an emergency.
• Train employees in the proper use of fire extinguishers.
• Above-ground sprinkler system must be in good condition.
• Make sure any solvents are kept in a tightly closed, fireproof container.
• Prohibit smoking tobacco in areas with flammable materials.
• Check wires and cords for defects and repair or replace if necessary.
• Keep wires and cords away from employee and customer traffic.
• Carry out periodic safety checks.
• Keep all business products and supplies neatly stored.
• Ensure that all entrances and exits, as well as aisles in the factory are clear and unobstructed.
Compliance with safety standards is the first priority of the entrepreneurs in preventing human and financial disasters. Talk to an experienced, independent insurance firm whose reputation praises excellence for advice on the type of commercial indemnity your business needs. By having your current cover reviewed by a professional so that he or she can advise you appropriately on any necessary updates, you will provide the peace of mind you need in the event of liability claims.
Have a fire safe day – every day!
Recommended
- Personal property insurance basics and tips Imagine that a huge tropical storm has hit your area. Your house and car were insured, so they can be replaced. But did you have contents insurance for your other important items?This type of coverage is actually offered within your renters or homeowners insurance policy. What this does is cover…
- Housing options: an attractive and affordable alternative Houses, duplexes, condos and condos are some of the many ideas that come to mind when someone is considering buying or renting their next home. With interest rates and property taxes rising, along with other increases in the cost of living, many are looking for ways to cut back on…
- Types of Minibus Insurance The number of minibuses and minivans used for commercial purposes has steadily increased in recent years. Many organizations and individuals buy minibuses to help them with their business. This is exactly why many countries in the world have strict regulations that one must purchase minibus insurance to use these vehicles…
- Fire protection About a third of all restaurant fires originate in the kitchen and are usually flash fires on cooking products. Prevention of these incidents requires two essential steps: control of flammable sources and control of combustible materials. The most typical source of kitchen fire is fat, a natural by-product of many…
- Importance of insurance for shops and retail Shops and retailers mainly deal with perishable goods and to some extent with non-perishable goods. They must maintain significant amounts of inventory and ready-to-sell stock of such goods. They also need physical stores and objects used to market or display their products to consumers.Considering these different aspects, retail businesses are…
- Dear Homeowners Insurance Quotes: Don't Waste Your Time -… Are you house hunting? Or are you already a homeowner? Either way, you need insurance for that house and its contents. There are many factors that determine the cost of the payments and how much deductible you may have to pay if something ever happens to the house. You can…
- Driving and texting a bad mix Driving and texting is a bad combination. Save a life, maybe yours!I was driving my brand new 50th Anniversary Ruby Red Mustang with my husband in the passenger seat on a clear, sunny day with temperatures in the 40s on April 18, 2015. We waited patiently at a yield sign…
- Get affordable home insurance in Calgary There are many reasons to purchase home contents insurance in Calgary. First of all, you want to make sure that your home, cottage or lease is covered for damage, theft and flooding. Second, you'll want to know if you're paying too much for home insurance, and if so, you'll want…
- Preparing for and recovering from a house fire: a legal… Every summer we watch wildfires in the western United States with grim fascination. This summer has turned out to be as bad as any other. Fires in Colorado and other states have consumed both wasteland and homes with equal ferocity. You may be wondering, "What would I do if I…
- 7 safety tips for wood-burning fireplaces Who doesn't love the warmth of a fireplace on a cold winter night? However, enjoying the benefits of a fire also comes with great responsibility. Making sure your fireplace is safe each year is a good start. Keep your fire safe all winter long with the following fireplace maintenance and…
- 4 questions to ask when considering horse trailer insurance If you want to have peace of mind and cope with a crisis, we recommend that you take out horse trailer insurance. To make sure you have the right coverage, we encourage you to do your research and choose the right provider. Below are some key questions to ask your…
- Complaints from insurance companies - Top 10 companies of… The New York State Department of Insurance (DOI) recently released the 2012 Annual Ranking of Automobile Insurance Complaints. The report is being released to help consumers find the auto insurer that best meets their needs.This report analyzed data collected from 2010 and 2011. It ranks companies doing business in New…
- Best Home Insurance: Understanding the Factors Affecting… The idea behind home insurance is to return your home and belongings as much as possible to the same condition as before a loss occurred. The type of losses your home is protected against will depend on what is covered in the policy. To get the best home insurance that…
- Why car insurance in Donegal is the best The Donegal Insurance Group dates back to the birth of the Donegal and Conoy Mutual Fire Insurance Company in 1889. It all started in Marietta, Pennsylvania, when farmers in the area decided to start the company to prevent their property from being damaged by fire. would be lost. incidents and…
- Do insurance companies actually offer competitive home… When you visit a Myrtle Beach insurance agency to inquire about home insurance, you will be presented with several options. An experienced broker will explain all your choices, including the option to separate the building from the contents. However, most homeowners will choose to keep both policies under one umbrella.…
- The Long Island Museum Located on Route 25A in Stony Brook and a short distance from the still-operating Grist Mill and the historic Three Village Inn, the Long Island Museum offers visitors an immersion in the area's rural past through three modern exhibit buildings and five authentic buildings spread over a nine-acre campus.Accredited by…
- Insurance - One of the necessities of life While it's nice to enjoy life's many conveniences, those conveniences come with risks. This is where insurance comes into play. To get the most out of your car, home, and ultimately your health, you'll probably need to invest in protection. This provides individuals and families with peace of mind and…
- Agricultural Safety - Manure handling and spillage While not a particularly fun topic to write about, manure is a major problem in agriculture and farming-related work, and can cause significant damage to both land and water. Such damage can occur from improper storage, improper use or when manure is transported on a farm or on public roads.…
- Important points to consider when shopping for business and… Coverages available in commercial auto insuranceEntrepreneurs realize how important it is to ensure that their business is well protected against all risks that may affect their business. A vehicle owned by the Company may put the Company at risk of litigation in the event of an accident if the accident…
- Brand Claims - Tips for filing an insurance claim After a fire, the homeowner must file a property damage claim so they can clean up and begin rebuilding. Fires are devastating and sometimes homeowners make a costly mistake during and after settling their fire claims. Most will have a loss adjuster come in to examine their property and file…