quarta-feira, 22 de julho de 2009

Pandemic Flu: Key Tips for Protecting Businesses

By now, most business owners are aware of the global spread of the H1N1 flu virus. The World Health Organization has raised its alert to Phase 5, the second-highest level in its warning system, based on the continuing spread of the disease in the United States and the rest of the world. Based on the continuing spread of H1N1, it would not be surprising for the WHO to raise its alert level to Phase 6 to reflect this increased distribution.
The sudden outbreak is a reminder of how caution and disaster planning are critical to the ongoing viability of a business. While most businesses
cover their property in case of catastrophic fire or weather, many fail to plan for pandemic illness and what it affects most: their people. Now is the time to consider how to minimize infections among staff, prepare for a temporarily reduced workforce, and lessen the effect of other business interruptions. Nationwide is here to help.

Prevention and planning
Experts agree that, in the absence of a vaccine, prevention is the first line of defense during a pandemic. “Businesses should prepare now to prevent the spread of flu in their operations,” says Michael Moore, MD, Nationwide’s Chief Medical Director. “If you wait until the flu is in your workforce, or even in your town, you are already too late.”
Nationwide offers these important tips to lessen the spread of the flu and its potential impact on your enterprise. While no strategy is foolproof, these proactive ideas are effective and easy to implement:
  • Stay home. Anyone ill with flu symptoms should remain at home until they’re no longer contagious. As obvious as this seems, employees will often work through illness to prove their value to the company. In a scenario like this, it does more harm than good. (see “Managing your workforce,” below)
  • Wash hands. Ask employees to wash their hands with soap and water at least five times a day and use hand sanitizer to supplement hand washing. Make sanitizer readily available in public areas.
  • Keep clean. Use sanitizing supplies to clean shared areas and equipment, such as lunchrooms, door handles, elevator buttons, and copy machines. Encourage employees to sanitize their personal workspaces as well.
  • Plan ahead. Have a detailed plan in place to shift work hours. Remember that parents’ schedules will be affected by cancelled schools or daycares. To curb flu transmission, consider replacing in-person business meetings with teleconferencing. Allow employees to work from home if available.
  • Communicate clearly. Help your employees understand what’s expected of them, and how you’re responding to the situation. Set simple, but flexible, policies around alternate work sites and schedules.
  • Protect customers. Make sure service staff are healthy, and consider preventative measures like high-quality masks and gloves.

Managing your workforce
At a time when employees are working hard to protect their jobs, they should be reminded that if they do become ill, they need to stay home and get well. The trend of sick employees continuing to work, known as “presenteeism,” is on the rise and costing businesses millions in lost productivity. “Well-intended employees who drag themselves to work when ill will do more harm by exposing their fellow workers to the virus,” says Moore.
Be prepared to counter these well-intended behaviors with clear, reasonable guidelines. Review attendance and paid-time-off policies to ensure they don’t pressure sick employees to report for work. And set a good example yourself by staying home when ill.
Proceed with caution, continue to function
As authorities have stressed, H1N1 flu is cause for awareness, not alarm. Business owners should take the time to review their insurance policies to understand how they are protected, and how they are not.
Widespread absenteeism and the lost productivity, for example, would not be covered by standard business policies. Many business interruption insurance policies, while versatile, will not cover business owners for flu-related losses.
If you haven’t already, now is the time to contact a Nationwide insurance agent for a fast, free business insurance analysis and estimate. It’s OK to reach out for expert help. It’s the best way to be prepared so you can continue to function, even in the worst of times.

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Shopping for Mobile Home insurance?
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Mobile home policies cover the mobile home itself and a good number of your personal belongings. Plus, you could get liability coverage to help cover certain types of accidents on your property. Sure it had a great shine, but maybe that kitchen floor was still a tad too slick when the neighbors showed up for that surprise visit!
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Protecting Your Valuables
Ah, the joys of a single family home: mowing the lawn, shoveling the sidewalk, cleaning the gutters, and taking out the trash, just to name a few!
OK, so while you still have to take out the garbage (we’re guessing you’re not a fan of flies), there’s no doubt about it — the convenience of a condo or co-op is tough to beat! But if you own one, chances are that the master policy purchased by the condo association or co-op corporation does not protect your personal items or the interior walls of your unit.
Our condominium / co-op insurance quotes are free; see how affordable this protection can be today!
Condo & Co-Op Policy Coverages
A Condo / Co-op policy helps protect your personal property from a variety of losses such as fire and theft. In addition, condominium policies include liability coverage for certain kinds of accidents, such as a neighbor slipping on a wet floor in the kitchen.
These policies also protect the interior walls and fixtures (such as cabinets) of your unit, whereas the master policy typically covers the outer structure. Besides, you didn't really want to have to go shopping for new roofing shingles anyway, did you?
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Saving A Little Dough - Discounts And Special Programs
Many discounts are available on condo and co-op policies, especially for certain safety features. For example, you may qualify for a discount if your unit has deadbolt locks or a monitored alarm system.
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Whether you have your boat tied to the dock or snug on your trailer, you want to make sure it's covered. Then, when you head out to open water and set yourself adrift at a favorite fishing spot, you're covered there too.
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Have a squeaky clean driving record? That's a plus.
Passed a boating safety course? Don't forget to tell us.
Great Coverage On The Water Or At The Dock
You want to protect your boat first and foremost. You can purchase boat coverage to keep you protected from physical damage perils and personal liability. Make sure to read through the details of your policy for items that are not covered. Learn more about
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Tell Me About Personal Watercraft Insurance
Did you know that GEICO offers personal watercraft coverage as well as boat insurance? We realize that many boat owners have more than one toy for the water and we can help you secure coverage for each and every one. Learn more about
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Own Peace of Mind with Renters Insurance
If you're shopping for renters insurance-congratulations on your wise decision! All too many people find out too late that their landlord's insurance policy doesn't protect their personal belongings. You're smart to seek coverage now. And you've come to a great place to find affordable renters insurance. Go ahead; get an
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Renters Insurance at a Glance
Sometimes called apartment insurance, a renters insurance policy helps protect the personal property you keep inside your residence, including:
Most policies also provide liability coverage, which gives you financial protection if someone is accidentally injured on the rental property. Find out how affordable renters insurance coverage can be.
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Our licensed insurance agents are available to answer any of your questions, or to help you with a renters insurance quote, during these hours (EST):
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smoke alarms
burglar alarms
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start your free quote or call us at 1-800-841-2964.

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Before You Get Your Motor Running, Get a Motorcycle Insurance Quote
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With GEICO, you can choose from many different ways to pay your motorcycle insurance premium. Pay all at once, pay monthly, or break up your payments into 4, 6, or even 9 installments. Whatever works best for your budget works best for us. Find out more about all of the
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