Part of your risk management for your home and your workplace has to be a safety program. Smoke and carbon monoxide detectors in your home can save your life. Having a cold weather emergency kit in your vehicle is a good idea during the winter months. The provinces and territories have occupational health and safety requirements for the workplace.

The simplest way to save money on a commercial insurance policy is to have a good safety program. A well thought out program that is used as a regular part of the worker's routine will prevent claims. If you do not have claims you will not payout deductibles nor have to replace injured workers. Your insurance rates will reflect your reduced risk.

Safety is not just for the construction job site. An office worker needs to be aware of many aspects of a safety plan. Examples would be: the emergency plan in case of evacuation or a fire occurring, where the first aid kit and other emergency supplies are located, ergonomics to prevent stress-related injuries and the regulations of PIPEDA to prevent an invasion of a client's privacy.

Often your agent or broker can provide information on programs developed to reduce injury and illness risk in the workplace.