Workplace safety exposure is extremely varied, based on the actual work handled by the insured. Workers can experience lung, eye, or skin irritations and reactions to the cleaning chemicals. Slip and falls can occur during cleaning. Lifting, back injury, hernia, and sprain and strain are all common occurrences. If any lawn care includes chemical applications of fertilizers or weed control, losses from this type of operation can be severe. When employees work off hours in deserted buildings, there is a potential for assault. What procedures are in place to protect them?
This category is very broad and the potential for loss varies from extremely low to very high. The more exacting the needs of the customers, the higher the potential for loss. The key to evaluating this risk is to understand the insured’s customer.