Does Your Small Business Have Risks?

By starting your business, you have done thousands dream of?and in succeeding in your business, you do what millions of others aspiration to. But just because you are a risk taker and have the talents which lead you to success, caution is required to avoid flirting with disaster which could cause insurable risks to hurt your business? bottom line.

With a little bit of research, there are many ways that you can minimize your risks and provide a safe, low-risk business for your employees to work.

Alarm and Safety Alarm Systems

Basic smoke detectors may be required for your business, but maintenance and upgrading your system is the easiest way to protect your business. The installation of a fire notification and security system will keep you and your employees safe while giving you the time needed to call the fire department and curb any fires from damaging your business equipment. Upgrading to a fire detection system that is monitored by an offsite company will offer even more advanced protection.

Advanced security systems, alarms, security cameras and motion detection lights will not only help your business property avoid theft and vandalism but will also help notify the police of any break-ins. ?Also, security cameras will give you the ability to record any theft or vandalism that may occur and thus have a better chance of an arrest being made and possessions returned.

Keeping your Business Clean

Many workplace injuries are the result of preventable accidents. For instance, a loose piece of carpet on the floor, a loose tile, a pile of files on the floor or general debris blocking a hallway all can cause an employee to trip, fall and become injured. Keeping your business clean and organized will help reduce the risk of injury and the responsibilities that follow and employee being injured.

Disaster Plans

No matter how hard you work to prevent injury, fire and other disasters at work, some things are just not under your control. A tornado, earthquake, hurricane or damaging snow storm could someday interrupt your employees? workday or even destroy your place of business.

A well thought out disaster plan can minimize the risks associated with natural disasters. In the plan, you can explain how your employees should react to a potential disaster, what they should do to prevent damage to business items and data as well as a plan to keep themselves safe.

Safe Storage for Personal Items

Having a safe and secure place for your employees to leave their personal belongings while they work is essential. You may be responsible for losses if you do not provide the proper setting for your employees to leave their things such as purses, wallets, and car keys.

In addition, there should be a safe, secure location for you to secure business valuables each night while the business is closed. Expensive equipment and computers, cash, and data back-ups should be stored in a safe or lock box that serves as a preventive against theft or some safety boxes even protect against fire.

There is no way to erase all possibilities of injury or liability from your business, but there are many ways that you can reduce the risks and keep your business and employees safe. Adequate business insurance is there for you in the case of injuries and disasters. The tips presented here can help diminish risky situations that can hinder your business? ability to stay up and running and can hurt your financial foundation. Call Bolander and Ianni Insurance today at 888-360-9150 to make sure your Indianapolis Business Insurance is in place to take care of your business. We promise to serve you with the best possible business insurance products at the best possible rate.?

Posted Thursday, January 24 2013 5:03 PM
Tags : Indianapolis Business Insurance, business insurance, Bolander Ianni Insurance, Indianapolis Commercial Insurance

Source: http://www.bolanderianni.com/blog/does_your_small_business_have_risks.aspx

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