Auto

How to Prevent Vehicle Theft

Make it more difficult for a thief to steal your vehicle and its contents.

  • Always lock your vehicle
  • Never leave your keys in the vehicle
  • Turn off your ignition whenever you leave your car
  • Avoid parking on the street
  • Conceal items left in your car, keep things in the trunk and never leave money or valuables in the open
  • Whenever possible, park your vehicle in a well-lit, well-guarded, highly visible area
  • Ask your neighbours to watch out for your vehicle and do the same for them
  • Install an anti-theft deterrent such as car alarms or an ignition disabler

Vehicle Safety and Maintenance

  • Read your vehicle owner's manual
  • Maintain your vehicle according to the manufacturers recommended maintenance schedule
  • Have your vehicle checked by a qualified mechanic as soon as you notice a change in braking or handling
  • Consider taking a recognized driver safety course

Child Restraint Safety

  • Always properly install a child's restraint seat
  • Read the manufacturer's installation instructions thoroughly
  • Many police departments have programs to help with proper installation

For tips and information regarding child seat safety please contact Transport Canada (www.tc.gc.ca). 

Road Safety

  • Respect others on the road
  • Leave at least one car length between you and the car in front

Airbags and Seatbelts
For information and guidelines pertaining to use and safety issues of air bags please contact the following organizations:

Drinking and Driving
NEVER DRINK AND DRIVE!
Drinking and driving has been the cause of many accidents resulting in serious injuries and loss of life. The following organizations can provide statistics and information pertaining to drinking and driving:

Cell Phones and Safety
For safety's sake, don't use your cell phone while driving. If you need to make a call, stop your car safely away from traffic before picking up the phone. 

Preparing for Winter Driving
The following organizations can provide tips and information to help you prepare yourself and your vehicle for safe winter driving.

What to Do When You Are Involved in an Accident
To protect both yourself and your interests, we have provided some basic hints:

  • Call the police immediately, and an ambulance if necessary
  • Do not admit liability
  • Record details of the accident (date, time, location, a description of the accident, any injuries, and any charges laid)
  • Record details concerning the other party and vehicle (owner's name and address, phone number, and vehicle year, make and model)
  • It is very important to obtain the insurance information of the other driver. This includes the name of the insurance company and the policy number and the name of the broker or agent
  • Obtain a copy of the police report from the attending officer

These tips are general rules of thumb only, and may not fit all situations. 
For the definitive word, contact your insurance broker for more information.

Safe Driving Quiz
Are you a safe driver? Why not test your skill and knowledge by taking one of the Safe Driving quizzes provided by the Canada Safety Council (www.safety-council.org).

Business

General Commercial Crime Prevention

  • Ensure that all exterior doors have deadbolt locks (minimum one inch bolt)
  • Secure exposed exterior door hinge pins to prevent their removal
  • Protect all ground level glass through the use of bars, metal screens or burglary resistant glazing materials
  • Install a burglar alarm system which is monitored offsite. We recommend that the system be certified by Underwriters Laboratories of Canada (ULC)
  • Continually check for unsafe work conditions and practice
  • Install serviced, multi-purpose fire extinguishers and instruct all staff in their use

Protecting Your Computer Equipment

  • Clamp or lock PCs to desks/work stations. Security kits are available at nominal cost
  • Backup data and programs on a regular basis and store them offsite in a secure location
  • Laptop computers are portable and easy targets for theft. Do not leave them unsecured or unattended
  • Maintain records of serial numbers for all of your computer equipment

Business Interruption Prevention

  • Employ the services of a professional accountant to:
  • Prepare financial statements
  • Perform an annual audit of your books
  • Maintain a list of secondary suppliers of materials in the event your primary supplier suffers a loss
  • Be prepared with a plan of action as to how you will continue to service your customers while your premises are being repaired after a loss. This will help you to avoid losing your customer base.
  • Consider availability of temporary premises where you can resume operations immediately
  • Duplicate business records and store them off-site

Contractors' Loss Prevention Tips

  • All tools and equipment should be kept in a locked area when not in use
  • All tools should be stamped with an identification number to assist in recovery. Tools should be painted with bright, easily recognizable colours to ease in their identification
  • Any onsite storage of materials should be in a secure storage area
  • Warning signs should be posted limiting access and indicating the safety equipment required to gain entry
  • All electrical cords that pass through pedestrian areas should be secured
  • All mud or water on public traffic areas should be cleaned regularly
  • The local utilities should be contacted to locate underground services prior to digging
  • All flammable liquids used should be stored in approved safety containers
  • All hotwork should be controlled. Combustibles should be removed at least 11 metres from the hotwork. If this is not possible non-combustible shields should be used. A fire watch should be provided for at least a half-hour after the hotwork is completed. All hotwork permit regulations must be followed
  • All combustible refuse created during the work should be cleaned up regularly. Oily rags should be separated and stored in metal containers with tight fitting lids
  • Appropriate fire extinguishers should be available at all times
  • Certificates of liability should be obtained from all subcontractors
  • All new equipment should be tested and inspected and the customers sign off when the work is completed
  • Ensure that the project complies with all applicable codes and standards
  • Records of all jobs (including plans, testing documents and approvals) should be maintained

Office Loss Prevention Tips

  • Avoid overloading of electrical outlets, particularly in older buildings equipped with fuses instead of circuit breakers
  • If existing electrical service is inadequate, ensure that any required electrical modifications are done by a professional electrician
  • Ensure that life and safety features (fire alarms, exit signs and emergency lights) are operational and serviced as per applicable fire code specifications
  • Clean all spills or wet floors immediately, post signs warning of wet or damp floors and check floor surfaces for potential hazards on a regular basis. Non-slip rugs should be used during the winter months

Commercial Vehicles Loss Prevention Tips

  • When hiring drivers for your vehicles, obtain pre-employment checks
  • Drivers should NEVER allow anyone who is not authorized by the OWNER, to ride in the vehicle
  • Proper MAINTENANCE improves road safety and should be completed by experienced and qualified mechanics. Regular maintenance schedules and records should be kept to prevent accidents caused by unexpected mechanical failures
  • Inspect your vehicle every day against a standardized checklist. Keep your vehicle equipped with an emergency kit, jack and good spare tire
  • Drive on well-maintained and well-travelled roads at the posted speed limit. Properly secure loads and only use vehicles for their intended purpose
  • Always lock your vehicle and take the keys with you
  • Never leave the engine running while your vehicle is unattended
  • Safeguard your keys - NEVER keep your vehicle keys or business keys on the same key ring and NEVER attach identification tags to them
  • Do not expose valuable items to view. Drivers should NEVER reveal the contents of their vehicles, their loads, their destination or leave their loads unattended
  • Deliveries should not be made unless the receiving party signs them for
  • Park in well-lit areas. Keep your vehicle in a locked garage or protected location when not in use.
  • Choose the anti-theft that is best suited to protect your vehicle and cargo

Repair Garage Loss Prevention Tips

  • Establish, post and strictly enforce a rule forbidding customers from entering the service bay area. Offer a clean, safe waiting area for customers.
  • Ensure that you always get signed customer work orders that outline the authorized repairs.
  • When preparing a customer's work order, all completed repairs should be listed along with all recommended repairs declined by the customer; the customer should sign-off the work order.
  • Make sure that the front, rear and interior of your business premises are well lit, particularly when closed for business.
  • When overnight storage of customers' vehicles is necessary, they should be stored inside if possible. Outside storage areas should be well lit, adequately fenced and padlocked overnight.
  • Limit access by employees to customers' keys. Keys should be kept under lock and key, within your office premises.
  • Limit the amount of cash in the till by using a safe or money-limiting device. Vary the time of bank deposits and the route taken.
  • Ensure that you maintain accurate inventory records for all stock. In the event of a theft loss, accurate records will make it easier for the insurance adjuster to settle your claim fairly, quickly and equitably.
  • Obtain driver abstracts for all employees on a regular basis. This will help you to determine which employees should be test-driving customers' vehicles.
  • Establish guidelines for employees as to when and who is permitted to test drive customers' vehicles.
  • Ensure that test drives follow a predetermined route, in areas that have relatively light vehicular and pedestrian traffic.

Retail Loss Prevention Tips

  • Never store combustible material, such as cardboard or paper, near heaters or electrical equipment and remove combustible waste on a regular basis.
  • In sprinklered buildings, keep stock more than 18 inches below the sprinkler heads, so as not to interfere with the system's effectiveness in the event of a fire.
  • Avoid overloading of electrical outlets.
  • Store all of your stock off the floor.
  • Make sure the front, rear and interior of your business premises are well lit, particularly when closed for business.
  • Arrange the interior layout of the store so that the till area is clearly visible from the exterior of the building.
  • Limit the amount of cash in the till by using a safe or money-limiting device.
  • Consider the installation of closed circuit television cameras and hold-up alarms.
  • Make regular bank deposits, but vary the timing of the deposits and the route taken.
  • Install anti-shoplifting devices and surveillance equipment or keep high priced merchandise under lock and key in display cases.
  • Ensure that life and safety features (fire alarms, exit signs and emergency lights) are operational and serviced as per applicable fire code specifications.
  • Do not block exits with stock or equipment. Ensure that all exit doors are unlocked during store hours.

Slip and Fall Loss Prevention Tips

  • Inspect the interior of your premises on a regular basis for unsafe conditions. Maintain a daily log of when the inspection was done, what conditions were noted and what corrective action was taken.
  • Floors should be kept clean and in good repair at all times.
  • Ensure that aisles are kept clear and free of fallen merchandise or stock.
  • During periods of inclement weather, all entrances should have mats or rugs to help keep the floor clean and dry. Damaged mats should be replaced as soon as possible.
  • Non-slip wax should be used on floor surfaces, where required.
  • Water and other spills should be mopped up immediately and a Caution-Wet Floor sign should be posted.
  • For surfaces that are consistently slippery, specialized non-slip epoxy coatings or non-skid flooring materials may be used.
  • For spills involving oil or other industrial materials, absorbent non-combustible cleaning materials should be used.
  • Ensure that all entranceways and aisles are clear of obstructions and/or promotional displays.
  • Any damage to stairs, sidewalks and pavement should be repaired as soon as possible, with signs and barriers posted, until such time as repairs are completed.
  • A snow and ice removal program should be implemented and adhered to, with a single individual having responsibility for the program.
  • Have the appropriate equipment, tools and materials available for use by your staff, in the case of a weather related emergency. e.g. shovels, salt, sand etc.
  • Professional snow removal contractors should be contracted to plow, sand and salt your parking and walkway facilities. Ensure that the contractor keeps a comprehensive log of the work performed.
  • Clean gutters and downspouts and ensure that melt water is directed away from sidewalks and walkways. Check that exterior lighting is adequate and check on a regular basis for malfunctioning light fixtures.
  • Establish and maintain a daily garbage removal program, whereby the walkways and sidewalks are swept and the debris removed on a regular basis.