To help reduce San Diego business insurance costs and liability, agencies need to keep their workspaces protected against fires. Even one minor incident of fire in a commercial building can cause premiums to skyrocket. Luckily, there are many preventive measures you can take to keep your staff and property protected and your insurance rates low.
Work areas should be kept neat and organized, with plenty of open space in aisles for employees to move unhindered in the event of an emergency. Piles of paper that remain untouched for months can dry out and be susceptible to sparks that can lead to fire. Though smoking inside a business is illegal in most cases in California, it should still be discouraged even if the law permits it, and it should also never be allowed within 25 feet of a business’s entrances. The burning of candles or incense should also never be allowed anywhere inside a business space.
All electrical outlets and connections should be maintained and properly utilized. Only qualified electricians should ground and add outlets for additional electricity. Extension cords, adapters, and power strips should only be used as intended because too many plugs set into outlets not intended for commercial use can cause fires. All electric wires and cords should be regularly checked for signs of damage such as fraying, wear, or moisture.
Even when preventive measures have been implemented, a fire can still occur. To keep a fire that has already started from getting worse, make sure each floor of the building has a working smoke alarm that covers up to 500 square feet. The ability to provide adequate warning so employees can be evacuated safely is paramount. In addition, a smoke alarm can allow time to call firefighters and prevent structural damage to the property. Fire safety instructions and evacuation plans should be reviewed biannually by the staff and at the discretion of the management.
In the event your commercial space is damaged from a fire, make sure you’re covered with the right insurance. Get in touch with American Tri-Star Insurance to determine the most affordable option for your business’s needs. We also offer homeowners, health, and car insurance San Diego residents trust. Call 619-272-2100 today for a free quote.