Workers’ compensation carriers strive for “injury free workplaces.” While that can’t always be the case, being mindful of safety and establishing a safety-oriented culture can go a long way.
We’ve seen these ideas put into practice, and when employees come to understand how increased workers’ compensation costs affect the business – and the possibility of pay increases – they really take it to heart.
- Know the rules! As an employer you need to communicate to employees what you expect in terms of safety behavior.
- Enforce them! This doesn’t mean you need to be watching everyone like a hawk, but employees need to know that if they disregard the practices you’ve put in place to keep them (and everyone else) safe, it’s going to result in some consequences.
- Seat belts save lives. This is one area where you probably should have zero tolerance. It’s the single easiest thing you can do to prevent motor vehicle deaths and reduce the severity of injuries that can’t be avoided.
- Drug free workplaces lead to reduced absenteeism, reduced injuries, and ultimately reduced workers’ compensation costs for the business.
- Return to work. Medical expenses are only part of the workers’ compensation picture; claims for lost time also have a huge impact. Getting someone who’s been injured back to work on light duty as soon as they’re medically able to do so helps them recover more quickly.
Most of the workers’ compensation carriers we work with are happy to help employers establish safety programs and return-to-work programs. If your needs are not met by what the insurance company can offer, we also have access to safety consultants and loss control experts who can provide more in-depth assistance on a fee basis. Depending on your situation, savings in future workers’ compensation premiums can more than make up for the costs.