In our new series, which began last week; we will provide ideas each week on ways to protect people, horses, and property on your farm. Besides saving lives and protecting property, using these guidelines can help you qualify for lower insurance premiums.
In last week’s “Markel Monday” we went over some ideas on “Proper Housekeeping”. With Spring around the corner, it is time to start thinking about what needs to be done around your farm and property to get ready for the busy spring season. This week we will go over Machinery Safety & Maintenance.
Machinery safety and maintenance
1. Machinery should be adequately checked, inspected, lubricated and maintained regularly to ensure proper working order. Maintain records of all maintenance indefinitely.
2. Machinery should not be used exceeding its capacity for lifting or carrying. Always adhere to manufacturer guidelines.
3. Only experienced, trained personnel should operate machinery. Never let children operate or ride on machines.
4. All machinery should have guards and shields for protecting operators from moving parts.
5. Protective gear (i.e. proper shoes, goggles, clothing, etc…) should be worn at all times by employees to prevent injuries. Always follow manufacturer safety guidelines.
6. Fire extinguishers should be on machinery. SMV symbols should be on farm machinery. Roll over bars need to be on tractors.
7. Store machinery in separate buildings or locations separated by at least 100 ft. to help prevent a total loss.
Besides saving lives and protecting property, using these guidelines can help you qualify for lower insurance premiums. Insurance costs less for people who use safety guidelines because they have fewer losses. While safety can help you save money on your premium, insurance remains a necessity for every farm and business. Liability and property coverage help to protect your assets and keep you in business in the event of a loss. Mary Phelps an Equine Insurance Specialist with Markel can provide this protection. Please contact our office today! 800-572-3286, or Insurance@horsesdaily.com