FOUR-WAY INSURANCE, L.L.C.
Insurance Services
Site under construction. We have App Services for Apple and Android. Use the barcode or click the barcode to begin the process.
With the recent power issues in Shelby County we recommend that our customers install this application for Auto ID cards, policy service, claims, change requests, contact information for glass claims, online payments, and requesting certificates of insurance.
In the event our power and phones are out we can communicate with you through the App Services. We can upload documents to you and you can upload documents to us as well.
It's a must have in the event of a claim or loss. It will walk you through what information we will need to process the claim. It will not file a claim with the carrier, but provide us the information to process the claim. We will need your cell phone number on file and your email address on file.
WORK RELATED?
•An injury or illness is considered work-related if an event or exposure in the work environment caused or contributed to the condition or significantly aggravated a preexisting condition.
•Work-relatedness is presumed for injuries and illnesses resulting from events or exposures occurring in the workplace, unless an exception specifically applies. See 29 CFR Part 1904.5(b)(2) for the exceptions.
•The work environment includes the establishment and other locations where one or more employees are working or are present as a condition of their employment. See 29 CFR Part 1904.5(b)(1).
RECORD AND LOG
That result in:
•DEATH
•LOSS OF CONSCIOUSNESS
•DAYS AWAY FROM WORK
•RESTRICTED WORK ACTIVITY OR JOB TRANSFER
•MEDICAL TREATMENT BEYOND FIRST AID
•You must record any significant work related injury or illness that is diagnosed by a physician or other licensed health care professional.
•You must record any work-related case involving cancer, chronic irreversible disease, a fractured or cracked bone, or a punctured eardrum. See 29 CFR 1904.7.
WHAT IS MEDICAL TREATMENT?
•Medical treatment includes managing and caring for a patient for the purpose of combating disease or disorder.
•The following are not considered medical treatments and are NOT recordable:
1-Visits to a doctor or health care professional solely for observation or counseling.
2-Diagnostic procedures, including administering prescription medications that are used solely for diagnostic purposes; and
3-Any procedure that can be labeled first aid.
WHAT IS FIRST AID?
•If the incident required only the following types of treatment, consider it first aid. Do NOT record the case if it involves only:
Using non-prescription medications at nonprescription strength;
Administering tetanus immunizations;
Cleaning, flushing, or soaking wounds on the skin surface;
Using wound coverings, such as bandages, BandAids, gauze pads, etc., or using SteriStrips or butterfly bandages.
Using hot or cold therapy;
Using any totally non-rigid means of support, such as elastic bandages, wraps, non-rigid back belts, etc.;
Using temporary immobilization devices while transporting an accident victim (splints, slings, neck collars, or back boards).
Drilling a fingernail or toenail to relieve pressure, or draining fluids from blisters;
Using eye patches;
Using simple irrigation or a cotton swab to remove foreign bodies not embedded in or adhered to the eye;
Using finger guards;
Using massages;
Drinking fluids to relieve heat stress.
HOW DO YOU DECIDE IF THE CASE INVOLVED RESTRICTED WORK?
Restricted work activity occurs when, as the result of a work-related injury or illness, an employer or health care professional keeps, or recommends keeping, an employee from doing the routine functions of his or her job or from working the full workday that the employee would have been scheduled to work before the injury or illness occurred.
HOW DO YOU COUNT THE NUMBER OF DAYS OF RESTRICTED WORK ACTIVITY OR THE NUMBER OF DAYS AWAY FROM WORK?
Count the number of calendar days the employee was on restricted work activity or was away from work as a result of the recordable injury or illness. Do not count the day on which the injury or illness occurred in this number. Begin counting days from the day AFTER the incident occurs. If a single injury or illness involved both days away from work and days of restricted work activity, enter the total number of days for each. You may stop counting days of restricted work activity or days away from work once the total of either or the combination of both reaches 180 days.
UNDER WHAT CIRCUMSTANCES SHOULD YOU NOT ENTER THE EMPLOYEE’S NAME ON THE OSHA FORM 300?
•If you have a reasonable basis to believe that information describing the privacy concern case may be personally identifiable even though the employee’s name has been omitted, you may use discretion in describing the injury or illness on both the OSHA 300 and 301 forms. You must enter enough information to identify the cause of the incident and the general severity of the injury or illness, but you do not need to include details of an intimate or private nature.
•You must keep a separate, confidential list of the case numbers and employee names for the establishment’s privacy concern cases so that you can update the cases and provide information to the government if asked to do so.
•You must consider the following types of injuries or illnesses to be privacy concern cases:
1-An injury or illness to an intimate body part or to the reproductive system,
2-An injury or illness resulting from a sexual assault,
3-A mental illness,
4-A case of HIV infection, hepatitis, or tuberculosis,
5-A needlestick injury or cut from a sharp object that is contaminated with blood or other potentially infectious material (see 29 CFR Part 1904.8 for definition), and
6-Other illnesses, if the employee independently and voluntarily requests that his or her name not be entered on the log. You must not enter the employee’s name on the OSHA 300 Log for these cases. Instead, enter “privacy case” in the space normally used for the employee’s name.
WHAT IF THE OUTCOME CHANGES AFTER YOU RECORD THE CASE?
If the outcome or extent of an injury or illness changes after you have recorded the case, simply draw a line through the original entry or, if you wish, delete or white-out the original entry. Then write the new entry where it belongs. Remember, you need to record the most serious outcome for each case.
CLASSIFYING INJURIES
An injury is any wound or damage to the body resulting from an event in the work environment.
Examples: cut, puncture, laceration, abrasion, fracture, bruise, amputation, insect bite, electrocution, or a thermal, chemical, electrical, or radiation burn. Sprain and strain injuries to muscles, joints, and connective tissues are classified as injuries when they result from a slip, trip, fall or other similar accidents.
CLASSIFYING ILLNESSES
1-Skin diseases or disorders are illnesses involving the worker’s skin that are caused by work exposure to chemicals, plants, or other substances.
Examples: Contact dermatitis, eczema, or rash caused by primary irritants and sensitizers or poisonous plants; oil acne; friction blisters, chrome ulcers; inflammation of the skin.
2-Respiratory conditions are illnesses associated with breathing hazardous biological agents, chemicals, dust, gases, vapors, or fumes at work.
Examples: Silicosis, asbestosis, pneumonitis, pharyngitis, rhinitis or acute congestion; farmer’s lung, beryllium disease, tuberculosis, occupational asthma, reactive airways dysfunction syndrome (RADS), chronic obstructive pulmonary disease (COPD), hypersensitivity pneumonitis, toxic inhalation injury, such as metal fume fever, chronic obstructive bronchitis, and other pneumoconiosis.
3-Poisoning includes disorders evidenced by abnormal concentrations of toxic substances in blood, other tissues, other bodily fluids, or the breath that are caused by the ingestion or absorption of toxic substances into the body. Poisoning by lead, mercury, cadmium, arsenic, or other metals; poisoning by carbon monoxide, hydrogen sulfide, or other gases; poisoning by benzene, benzol, carbon tetrachloride, or other organic solvents; poisoning by insecticide sprays, such as parathion or lead arsenate; poisoning by other chemicals, such as formaldehyde.
4-Noise-induced hearing loss is defined for recordkeeping purposes as a change in hearing threshold relative to the baseline audiogram of an average of 10 dB or more in either ear at 2000, 3000 and 4000 hertz, and the employee’s total hearing level is 25 decibels (dB) or more above audiometric zero (also averaged at 2000, 3000, and 4000 hertz) in the same ear(s).
5-All other Illnesses
Examples: Heatstroke, sunstroke, heat exhaustion, heat stress and other effects of environmental heat; freezing, frostbite, and other effects of exposure to low temperatures; decompression sickness; effects of ionizing radiation (isotopes, x-rays, radium); effects of nonionizing radiation (welding flash, ultra-violet rays, lasers); anthrax; bloodborne pathogenic diseases, such as AIDS, HIV, hepatitis B or hepatitis C; brucellosis; malignant or benign tumors; histoplasmosis; coccidioidomycotic.
POSTING THE SUMMARY & FILE KEEPING
•You must post the SUMMARY ONLY – NOT THE LOG by February 1 of the year following the year covered by the form and keep it posted until April 30 of that year.
•If your company has more than one establishment or site, you must keep separate records for each physical location that is expected to remain in operation for one year or longer.
•Then post the Summary in a visible location so that. your employees are aware of injuries and illnesses occurring in their workplace.
•At the end of the year, count the number of incidents in each category and transfer the totals from the Log to the Summary.
•Keep for 5 years following the year to which they pertain.
•You do not have to send the completed forms to OSHA unless specifically asked to do so.
•You must record information about every work-related death and about every work-related injury or illness that involves loss of consciousness, restricted work activity or job transfer, days away from work, or medical treatment beyond first aid.
•You must also record significant work related injuries and illnesses that are diagnosed by a physician or licensed health care professional.
•You must also record work-related injuries and illnesses that meet any of the specific recording criteria listed in 29 CFR Part 1904.8 through 1904.12. Feel free to use two lines for a single case if you need to.
•You must complete an Injury and Illness Incident Report (OSHA Form 301) or equivalent form for each injury or illness recorded on this form. If you’re not sure whether a case is recordable, call your local OSHA office for help.
OSHA'S FORM 300
Log of Work-Related Injuries and Illnesses
•You must record information about every work-related injury or illness that involves loss of consciousness, restricted work activity or job transfer, days away from work, or medical treatment beyond first aid. You must also record significant work-related injuries and illnesses that are diagnosed by a physician or licensed health care professional. You must also record work-related injuries and illnesses that meet any of the specific recording criteria listed in 29 CFR 1904.8 through 1904.12. You must complete an injury and illness incident report (OSHA Form 301) or equivalent form for each injury or illness recorded on this form. If you're not sure whether a case is recordable, call your local OSHA office for help.
OSHA'S FORM 300A
Summary of Work-Related Injuries and Illnesses
•All establishments covered by Part 1904 must complete this Summary page, even if no work-related injuries or illnesses occurred during the year. Remember to review the Log to verify that the entries are complete and accurate before completing this summary. Using the Log, count the individual entries you made for each category. Then write the totals, making sure you’ve added the entries from every page of the Log. If you had no cases, write “0.” Employees, former employees, and their representatives have the right to review the OSHA Form 300 in its entirety. They also have limited access to the OSHA Form 301 or its equivalent. See 29 CFR Part 1904.35, in OSHA’s recordkeeping rule, for further details on the access provisions for these forms.
OSHA'S FORM 301
Injury and Illness Incident Report
•OSHA’S FORM 301 must be used in a manner that protects the confidentiality of employees to the extent possible while the information is being used for occupational safety and health purposes. This Injury and Illness Incident Report is one of the first forms you must fill out when a recordable work-related injury or illness has occurred. Together with the Log of Work-Related injuries and Illnesses and the accompanying Summary, these forms help the employer and OSHA develop a picture of the extent and severity of work-related incidents.
• Within 7 calendar days after you receive information that a recordable work-related injury or illness has occurred, you must fill out this form or an equivalent. Some state workers' compensation, insurance, or other reports may be acceptable substitutes. To be considered an equivalent form, any substitute must contain all the information asked for on this form.
•According to Public Law 91-596 and 29 CFR 1904, OSHA's recordkeeping rule, you must keep this form on file for 5 years following the year to which it pertains.