At Main Street Insurance Agency we like to help our clients prevent future claims as much as possible. Here is a great article that has some ideas on some items to do before winter gets here.
A Fall Checklist of 10 Things You Gotta Do Before Winter Sets In
For more tips or to get a quote on home, auto, commercial, life or health please give us a call at 435-674-2221.
Tuesday, October 2, 2018
Thursday, September 6, 2018
September is Life Insurance Awareness Month
September is life insurance awareness month. Here are a few myths about life insurance:
Myth: It’s too expensive.
Truth: Many people can be insured for the price of a daily cup of coffee.
Myth: I’m not old enough to need life insurance.
Truth: Anyone can get life insurance. The younger and healthier you are, the easier it is to get a life insurance policy at a cheaper rate.
Myth: I can get it later.
Truth: Age and health can make it tough to get the coverage you want. You may develop a condition that makes you uninsurable – or worse, you may fall victim to a tragic accident.
Myth: I don’t need life insurance.
Truth: Life insurance has many, many uses. It can cover bills, pay for funeral costs, replace income in a household, serve as an inheritance for a loved one, fund education goals for a child, provide an important and sizable donation to a charitable organization and so much more.
Give us at call at 435-674-2221 to talk to an insurance agent that can guide you through your questions about life insurance.
Myth: It’s too expensive.
Truth: Many people can be insured for the price of a daily cup of coffee.
Myth: I’m not old enough to need life insurance.
Truth: Anyone can get life insurance. The younger and healthier you are, the easier it is to get a life insurance policy at a cheaper rate.
Myth: I can get it later.
Truth: Age and health can make it tough to get the coverage you want. You may develop a condition that makes you uninsurable – or worse, you may fall victim to a tragic accident.
Myth: I don’t need life insurance.
Truth: Life insurance has many, many uses. It can cover bills, pay for funeral costs, replace income in a household, serve as an inheritance for a loved one, fund education goals for a child, provide an important and sizable donation to a charitable organization and so much more.
Give us at call at 435-674-2221 to talk to an insurance agent that can guide you through your questions about life insurance.
Wednesday, June 6, 2018
Friday, April 21, 2017
Wednesday, August 3, 2016
Ladder Safety
Most of us use ladders from time to time. However, few of us take time to review the basics of ladder safety. The following guidelines can help those who use ladders to do so properly and prevent injuries.
General Guidelines
• Avoid climbing unless absolutely necessary.
• Select the proper ladder for the job, (i.e., aluminum, wood, fiberglass, step, extension or a straight ladder). For instance, never use an aluminum ladder around electricity.
• Choose a ladder that fits the job. If ladders are too short, people will climb too high leaving them without proper handholds. Ladders that are too long are difficult to handle. They also tend to be erected askew and may be highly unstable.
• Never use a ladder for a purpose that it was not designed for.
• Inspect the ladder’s condition before use. Discard any damaged ladder.
• Wear slip resistant footwear.
• Avoid climbing unless absolutely necessary.
• Select the proper ladder for the job, (i.e., aluminum, wood, fiberglass, step, extension or a straight ladder). For instance, never use an aluminum ladder around electricity.
• Choose a ladder that fits the job. If ladders are too short, people will climb too high leaving them without proper handholds. Ladders that are too long are difficult to handle. They also tend to be erected askew and may be highly unstable.
• Never use a ladder for a purpose that it was not designed for.
• Inspect the ladder’s condition before use. Discard any damaged ladder.
• Wear slip resistant footwear.
Inspection
• Ladders should be inspected and documented by a competent person on a periodic basis. Items to look for should include:
-Any structural damage such as cracks, bends, kinks or distortions.
-All rungs are in place, secure and free of grease or oil.
-Safety feet are in good condition and functional.
-Any missing parts.
-Working spreaders.
• Ladders should be inspected and documented by a competent person on a periodic basis. Items to look for should include:
-Any structural damage such as cracks, bends, kinks or distortions.
-All rungs are in place, secure and free of grease or oil.
-Safety feet are in good condition and functional.
-Any missing parts.
-Working spreaders.
Placement
• A ladder should not be placed in doorways, passageways or other locations where it can be disturbed.
• Make sure the ladder is set on a level stable surface.
• A non-self-supporting ladder should be placed at an angle of approximately 75̊. The distance from the wall to the foot of ladder should be about ¼ the ladder’s total length.
• When using a non-self-supporting ladder to access a point to where you will dismount, the ladder should extend at least 3 feet beyond the support point. The ladder should also be lashed as close to the support point as possible.
• A ladder should not be placed in doorways, passageways or other locations where it can be disturbed.
• Make sure the ladder is set on a level stable surface.
• A non-self-supporting ladder should be placed at an angle of approximately 75̊. The distance from the wall to the foot of ladder should be about ¼ the ladder’s total length.
• When using a non-self-supporting ladder to access a point to where you will dismount, the ladder should extend at least 3 feet beyond the support point. The ladder should also be lashed as close to the support point as possible.
Climbing and Descending
• Face the ladder while climbing or descending and hold on to it with both hands.
• Always maintain at least a 3-point contact with either two hands and one foot, or two feet and one hand.
• Keep centered on the ladder.
• Never lean beyond the side rails, or move, shift or extend the ladder while on it.
• Never climb past the second step from the top on a stepladder.
• Take one step at a time.
• If tools are needed, use a tool belt or a bucket attached to a hand line.
• Allow one person on a ladder at a time.
Please click here to learn more about OSHA's penalties.• Face the ladder while climbing or descending and hold on to it with both hands.
• Always maintain at least a 3-point contact with either two hands and one foot, or two feet and one hand.
• Keep centered on the ladder.
• Never lean beyond the side rails, or move, shift or extend the ladder while on it.
• Never climb past the second step from the top on a stepladder.
• Take one step at a time.
• If tools are needed, use a tool belt or a bucket attached to a hand line.
• Allow one person on a ladder at a time.
Give Main Street Insurance a call at 435-674-2221 for more information on safety programs or you can e-mail us at info@msiagency.com.
Friday, May 27, 2016
Happy Memorial Day Weekend!
Happy Memorial Day
Thank you to all who have served and are serving our great country. We would not be able to enjoy the life we have without you.
Monday, January 11, 2016
Most Common Work Injuries 2015
Most Common Injuries of 2015
As we start 2016, it’s important for employers and employees to review how to make their workplace safer. Your organization can start by focusing on systems and processes that have the greatest potential to cause injury as well as the most common injury types. WCF's 2015 Utah claims data shows:
Eight Most Common Claims from 2015
Click Accident Type for Prevention Guides
Click Accident Type for Prevention Guides
- Slip and Falls 19%
- Cut 18%
- Hit Against an Object 17%
- General Strain 14%
- Strain by Lifting 8%
- Caught in Object 5%
- Motor Vehicle 3%
- Burn 2%
Give us a call at 435-674-2221 or visit us on our website at www.msiagency.com for more information or to get a quote on workers compensation, general liability, commercial auto, health, life, home, personal auto, surety bonds, etc.
Thursday, December 3, 2015
Wednesday, October 28, 2015
Tuesday, October 6, 2015
Walk Safe
Injuries due to slips, trips and falls accounted for 18% of Workers Compensation Fund of Utah's claims in 2014 with an average cost of $9,801 per claim. Be safe out there and follow the guidelines below:
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For other safety tips or to get a quote on your insurance you can call us at 435-674-2221 or contact us on our website at www.msiagency.com.
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For other safety tips or to get a quote on your insurance you can call us at 435-674-2221 or contact us on our website at www.msiagency.com.
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