Tag Archives: security personnel

General Safety Issues, Health Issues

MEDICAL INSURANCE PROTECTION FOR HIGH-RISK OCCUPATIONS (GUEST POST)

The importance of having a medical insurance is apparent to most employees who consider this as a factor in determining which company to work for. However, some occupations offer greater risks than regular jobs that require employees to report to the office at 9am to 6pm.

These occupations include active duty military personnel, skydiving instructors, fishermen, offshore oil workers, flight instructors, civilian contractors in dangerous areas, firefighters, construction workers, police officers, pilots, and scaffold workers. Because these occupations are considered “high-risk occupations,” or occupations that carry higher risk in terms of death, disease, injury or disability occurrences, it could be difficult to get insurance for these positions, and insurance companies will usually charge higher premiums for these jobs as opposed to jobs that have less risks involved.

Although most insurance companies do not offer policies for high risk occupations, there are still some insurance companies that specialize in giving these occupations coverage. Here are some high risks occupations that some insurance companies provide special coverage for:

1.     Journalists

–          Some insurance companies provide international life and accident insurance with an international coverage for reporters, TV crew and production team who are stationed at remote areas, war zones and politically unstable locations that might be far away from areas that offer sufficient medical assistance. Journalists also get medical cost benefits for treatment, evacuation and repatriation if ever they should go through an accident, illness or a terrorist attack. Another insurance that journalists may avail of is the kidnap and ransom insurance for reimbursing ransom payments if this ever happens. Finally, a high risk travel insurance can protect journalists from accidents and can ensure that they get proper medical care when they’re travelling. The travel insurance can also ensure that possessions and flights of the insured are covered.

2.      Oil and Gas Employees

–          Similarly, suppliers, contractors and employees of oil and gas companies can benefit from international life and accident insurance, which can provide protection for death and give financial help for injured or permanently disabled employees. Oil and gas employees may also get the international disability insurance, which can provide income to the insured if they are temporarily disabled, or provide a lump sum for those who are permanently disabled. Meanwhile, the international medical insurance is also helpful in providing oil and gas employees or contractors with medical assistance near R&R stopovers and rigs. Since the oil and gas industry is prone to claims from the public for environmental accidents, it is also advisable to get the international liability insurance to protect companies from claims.

3.     Overseas Contract Workers

–          Employees who work overseas at remote locations where insurance is not valid should avail of the personal accident insurance, which can give them protection from death, dismemberment, and disability. As employees who work at high risk regions, overseas workers should also get international travel insurance to get coverage for areas where terrorism or political strife is prevalent. Another insurance plan ideal for overseas workers is the international medical insurance which may be used to cover medical costs of treatment, evacuation and repatriation brought about by either illness, accidents or terrorist attacks. It is also advisable to get a worker compensation scheme for local and expat workers.

4.      Security

–          Private security employees who are working in the Middle East and other areas where there are high risks of terrorism should get an international life and accident insurance able to provide coverage for death or give compensation to employees that are injured or permanently disabled while working overseas. It is also a must to get international medical insurance to get medical care right where the security employee is working overseas or at home where the risk is just as high. Another essential insurance coverage is the defense base act insurance, which can help out employees if their security company provides services to the US government.

5.     Logistics

–          For those involved in logistics work in areas that have wars, political strife, or possible terrorism, the primary concern is getting an international life and personal accident insurance that can cover disability as well as death protection for drivers, staff, and other members of the crew in transit. Just as importantly, medical expenses coverage should also be a must to get through accidents, illnesses or terrorist activities. It is also ideal to get a kidnap and ransom insurance for when logistics employees transport sensitive products and items.

After learning about the possible insurance options available for those who have high risk occupations, you are now ready to find the right insurance companies that offer these packages. Note that these specialized, high-risk occupation insurance policies could be more costly than regular insurance policies. To minimize costs for high-risk occupation medical insurance policies, try looking at group insurance policies.

 

Author Bio:  Article Written by Cristina Beltran – a blogger & writer at Compare Hero, Malaysia’s leading comparison website. This portal helps individuals in making the best decision by comparing rates from different finance and insurance providers.

First Aid Safety, General Safety Issues

TEN ESSENTIAL TIPS FOR PLANNING AN INDUSTRY EVENT (GUEST POST)

When organizing any type of industry event, planning is always essential to success. Get the details right at the planning stage and the event will run smoothly. Safety should always be your number one priority no matter what type of event – here’s some essential tips to keep in mind to help get your plan on track and keep your event safe.

First things first, make sure you find the perfect venue. This doesn’t just mean a place that fits the style and theme of your event; most importantly it means a venue that will safely hold the capacity of people you expect to turn up.

Make sure that you not only have a venue big enough but that you have enough power back up to support the area and all of your needs. This is especially important if you are holding an outdoor event, make sure you arrange good quality generator power, and always enquire about getting standby generators onsite too.

Lighting is also extremely important; ensure you have sufficient lighting for all areas. Leaving corners dark can encourage crime, or leaving walkways and other thoroughfares not lit enough can cause serious accidents.

All industry events should be wheelchair friendly to accommodate any guest who may need to use one.  Not only will you need to think about an alternative to stairs if there are any but also ensure that all paths in and around your event can safely be used by people with wheelchairs. Ground coverings such as Portapath from Grassform are ideal to ensure that you protect the ground below whilst ensuring safe wheelchair friendly paths.

Some accidents simply cannot be prevented but many can so make sure you do everything to protect your guests from tripping or slipping over. Investing in ground protection will ensure that your guests can walk freely around the venue without having to worry about slipping over on muddy pathways.

As well as guests on foot or in wheelchairs you must make sure that the event is safe for any vehicles that arrive to drop off or pick up guests. Ground protection such as GrassCarpet, a heavy duty, plastic reinforcement mesh will ensure that all access requirements are met for vehicles crossing ground that could otherwise get muddy very quickly and cause real problems for vehicles.

Getting man power security for any type of industry event is also extremely important, ensuring that trespassers are kept out. Security personnel can also be used to enforce crowd control and keep all of your event attendees safe and secure, making sure they have a good time. Two-way radios are an excellent coordination and safety tool for such a thing.

Being able to provide adequate first aid is a necessity at any event, whether it is based indoors or outdoors. Make sure you have enough qualified first aiders to cope with the volume of people you expect and the types of injuries and accidents that can occur.

Fires are thankfully a rarity, but they can occur so organisers should consider the risk from fire at all outdoor events and carry out a fire risk assessment. Ensure that the premises, including outside areas, tents, temporary structures and all means of access to, and exits from the premises, are safe, clearly marked and that there is a safe assembly point located nearby.

Lastly ensure that everyone who will be working at your event is briefed fully on any safety concerns and contingency plans. Ensuring your staff know all fire escape routes, are either first aid trained or know clearly where the first aiders and firstaid supplies are, is essential to making sure your guests are helped quickly and safely should an accident or emergency occur.

Follow these planning tips to make sure your event runs smoothly and safely and is memorable for all your guests, for all the right reasons.

Simon Hayes writes for www.grassform.co.uk, who offer a wide range of ground protection and ground reinforcement products and solutions for events, festivals, concerts and sports grounds.