Protecting your business



Two fundamental aspects of managing business risks are preparing for the multitude of emergencies that might lead to business interruptions or pose hazardous conditions and knowing how to assess them accurately to pinpoint your vulnerabilities. Below are several topics to get you started and then log into the Risk Control Customer Portal to take advantage of resources to assist your business in implementing these layers of protection.

Winter storms

 

Winter power failures

Cold weather

Wildfires

Transportation safety

Hurricanes

Flood protection

Work zone awareness

Tornadoes

Heat illness

Pool and spa safety

"811" one-call system

Are you prepared?

An effective emergency preparedness plan can save lives, reduce property damage and minimize interruption of business operations.

Test your knowledge about winter driving

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  • Test your knowledge to see if you are prepared for
    this winter's weather challenges.

  • To increase visibility during adverse weather conditions, you should:

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    Flash your headlights.
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    Turn your four-way flashers on.
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    Turn your headlights on.
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    All of the above

    Keeping your headlights on during weather conditions helps other motorists see you better. It is also required by law in most places.

  • It is beginning to snow and the roadway is almost snow covered. Any delay could cause you to miss your appointment. What should you do?

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    Move to the left lane to pass slower traffic.
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    Find somewhere safe to park and call ahead to let others know you will be late. Continue, driving cautiously, if it is safe to do so or stay put until conditions improve.
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    Convoy with four-wheel drive trucks that drive fast.
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    Take an alternate route with less traffic to slow you down.

    You should never compromise your safety or the safety of others by exceeding the speed limit or driving too fast for road or weather conditions.

  • You are at a four-way stop. The roadway is snow covered and icy. You have the right of way to proceed into the intersection as a vehicle approaches from the right. The other driver is unable to stop and hits your vehicle in the intersection. This accident is:

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    Preventable because you failed to anticipate that the other driver may have difficulty stopping.
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    Non-preventable because the other driver failed to stop.
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    Non-preventable because the other driver did not anticipate ice at the intersection.

    When it comes to accidents, "preventable" and "at-fault" are not the same. An accident caused by one motorist can often still be prevented by others. Driving in a manner that compensates for the mistakes of other motorists is a fundamental defensive driving principle.

  • The first winter storm of the season is considered by many to be the most dangerous because:

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    Many motorists are not prepared for winter weather.
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    Emergency crews may not be prepared.
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    You may not be accustomed to driving during winter weather conditions yet.
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    All of the above.

    Practice makes perfect, as the saying goes. At the beginning of the winter season, many drivers are out of practice and need time to adjust their driving habits.

  • Ice forms more readily in the following areas:

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    On bridges and overpasses.
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    Shaded areas.
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    At intersections.
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    All of the above.

    Expect ice whenever the air temperature or ground temperature are below freezing and there is precipitation or water on the roadway, especially in the areas listed.

  • When approaching a snow plow you should:

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    Move as far to the left as possible.
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    Avoid passing unless it is necessary and safe to do so.
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    Pass quickly to avoid getting in the way.
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    Thank the driver for keeping roads clear.

    Passing a snow plow can be very dangerous and should only be done when necessary and when it is safe to do so. Snow plows have the right of way and frequently stop or turn unexpectedly.

  • Steps to reducing weather-related accidents include:

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    Reducing speed.
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    Increasing following distance.
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    Turning and braking carefully on slippery roads.
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    All of the above.

    Reducing speed, increasing following distance, and turning and braking carefully are critical defensive techniques during adverse weather.

  • While water turns to ice in the air at 32 degrees Fahrenheit, ice can form on roadways when the air temperature is above 32 degrees.

    Select
    True
    Select
    False

    If the road temperature is below freezing, ice can form on the roadway even though the air temperature is above 32 degrees.

  • Hydroplaning is caused by:

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    Water spray from other vehicles.
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    Lack of windshield wiper fluid.
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    Driving too fast on wet roads.
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    Icy roads

    Hydroplaning can be very dangerous and can occur at speeds as low as 30 mph. Water on the roadway can be difficult to see, especially at night.

  • During severe adverse weather, such as heavy snow, glare ice, torrential rain, or very strong winds, you should:

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    Follow the vehicle in front of you.
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    Find a safe place to park and wait for conditions to improve.
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    Wait for a police escort.
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    Block the roadway to stop traffic.

    When road or weather conditions deteriorate to the point where visibility and your ability to control your vehicle are severely reduced, it is a good time to get off the road.

  • Your results:  out of 

    Your score:

    • 0-2 study more
    • 3-4 keep trying
    • 5-6 getting there
    • 7+ very knowledgeable

    Learn more about winter driving safety tips »

    Learn more about winter weather preparation tips »

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This quiz is a tool only and does not cover all possible conditions or constitute legal advice. Travelers and its affiliates disclaim all forms of warranties, without limitation and shall not be liable to any party for any damages arising out of or in connection with the information provided or its use. No coverage is implied. Please drive safely.

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