There are many potential sources of risks in a commercial setting. While it is impossible to prevent every possible accident, taking proactive measures can help your business avoid or survive some of the most common disasters among Malaysian businesses.
If you are not ready to engage a risk engineer to help you spot any issues and prevent unfortunate events from happening in the first place, these practical tips will help get you started.
1. Install and maintain a fire detection system. Make sure to find the right system for your business to help prevent or limit the destruction caused by fires.
2. Manage hot work hazards. Designate a hot work Permit Authorizing Individual (PAI) trained in hot work safety measures, to be responsible for the careful implementation and enforcement of a written Hot Work Safety Program.
3. Create a pre-fire plan / Emergency Response Plan (ERP). During emergencies, this will help the fire department, especially if protective equipment is necessary, to fight a fire. The plan should include (but not limited to):
Learn more: How to create a fire prevention plan
1. Anticipate the potential sources and impact of a flood. You need to be familiar with the times of year floods might occur and the drainage systems within your facility.
2. Implement preventive measures, such as
3. Establish an emergency response team that have clearly defined responsibilities and levels of authority. Work with them to communicate, protect and train other staff.
Learn more: How to develop a flood emergency response plan
1. Conduct a risk assessment. Inspect all appliances that use water, including those in bathrooms, kitchens, and all water supply lines.
2. Develop a training plan. Train all security, facilities, and property management staff, and conduct refresher courses each year.
3. Assemble flood/spill control kits. Having a water damage response kit on-hand and storing them in a convenient location (e.g., security or mechanical rooms) will allow for a quick response in case of an accidental water incident.
Learn more: What businesses should know about water damage
1. Identify hazards. Speak to your staff, inspect the premises, and review records such as incident and injury reports.
2. Educate employees on best practices. These may sound a lot like common sense, but every staff should know their roles in helping maintain a clean, organized and safe workplace
3. Have a formal slip and fall prevention program in place. Assign specific responsibilities to individuals or teams. Train workers in safety protocols and provide safety equipment for workers whose jobs entail significant fall risks.
Learn more: Slipping hazards lurking in your premise.
Some accidents are preventable and taking necessary steps to keep your business, employees and customers safe is crucial. However, keep in mind that no matter how well-prepared you are, an accident can still occur and hurt everything and everyone that matters to you.
This content is brought to you by Chubb Insurance Malaysia Berhad, Registration No. 197001000564 (9827-A) (“Chubb”) as a convenience to readers and is not intended to constitute advice or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at www.chubb.com/my, through your broker or by contacting any of the Chubb offices or Chubb agents. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of this content. It is the responsibility of the reader to evaluate the quality and accuracy of material herein.
© 2022 Chubb. Not all coverages available in all jurisdictions. Chubb® and its respective logos, and Chubb. Insured.℠ are protected trademarks of Chubb.
We help you stay ahead and informed with these helpful tips and tricks