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What is OSHA, how does it impact my business?


OSHA’s mission is to “assure safe and healthy working conditions for working men and women by setting and enforcing standards and by providing training, outreach, education and assistance”. OSHA covers private sector employers.

OSHA has established regulations designed to protect employees in the workplace so they have a safe workplace.

Communication of hazardous materials, safety training, injury reporting requirements, providing proper Personal Protective Equipment, testing and monitoring of health hazards are but a few areas OSHA has jurisdiction over.

OSHA On-Site Consultation Program

Employer Responsibilities

OSHA Workplace Poster
When might you get a visit from OSHA?
  • Random inspection
  • Worksites where high hazard operations are conducted
  • There is a workplace fatality
  • Employees complain about working conditions, failure to follow OSHA standards
What if we are cited by OSHA?
  • The violation will identify the specific OSHA regulation
  • A fine is generally imposed
  • Employer has opportunity to work with OSHA to possibly mitigate fine
  • OSHA has training assistance many industries can take advantage of to help rectify violations
  • If an employee reports their employer to OSHA they have whistleblower protection
What can a business do to help prepare for potential OSHA visit?
  • Leverage information OSHA makes available: Some examples below.


  • Recognize hazards in your workplace
  • Properly communicate hazards and precautions to workers
  • Have Emergency Plan in place
  • Fire Safety & Mean of Egress
  • Working surfaces / fall protection
  • Medical and First Aid supplies
  • Machinery Guarding
  • Electrical Safety
  • Personal Protective Equipment
  • Powered Industrial Trucks (forklifts)
  • Workplace surveys, walkthrough checklists
  • Establish and Safety & Health Program
  • Employee training
  • Keeping appropriate records


Loring King

About Loring King

Loring King ARM, CRM, CIC Loring has nearly 40 years of experience in the insurance industry. He joined Member Insurance in 2015 as Sr. Vice President of Underwriting. In this role Loring is responsible for the underwriting/profitability of business placed in Member’s Captives (risk sharing portfolio). Prior to joining Member Insurance, Loring held various positions including heading the Agency/Association Captive unit for the Hartford Insurance Company, Risk Manager for Pulte Homes, Underwriting/Marketing/Program Management positions at General Agency Services, Meadowbrook Insurance, and Amerisure Companies. Loring is a graduate of Hofstra University and has earned a number of professional insurance credentials.

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