Workers' Compensation Insurance
You’re required by law to carry workers’ compensation insurance — but how do you optimize your coverage? By understanding the applicable regulations and identifying options that reduce your risk, you can meet your compliance requirements, lower your costs and still responsibly protect your employees.
Let’s work together to develop a customized workers’ compensation solution for your organization.
Workers’ compensation is required by law to protect you and your employees from costs and damages resulting from work-related injuries or illnesses. It provides for:
$62B was spent by U.S. employers on workers' compensation claims in 2016.
Let's asses your vulnerabilities.
Establish a Return to Work Program
Curb long-term workers’ compensation costs by bringing employees back to the office/project more quickly. Your RTW program could include part-time work, telecommuting, and modified work duties and schedules.
Promote Employees' Physical and Emotional Health
Consider instituting a program that promotes and rewards healthy lifestyle choices. Make sure your supervisors aren’t emphasizing production goals at the expense of safety.
Screen Employees Before You Hire
Hire only employees qualified for the demands of a given job. Have a third party perform physicals and functional capacity evaluations to assess prospective employees.
Maintain the Physical Workplace
Make sure worksites are well maintained and regularly evaluated for hazards. Perform preventive maintenance where applicable.
Provide the Necessary Tools for the Job
Assess the required work, establish appropriate on-the-job rules, train employees to perform their tasks safely, and provide all necessary tools and protective equipment.
Institute a Twice-Daily Check-In
Require workers to check in with a supervisor at the beginning and end of the day, especially those who perform physically demanding jobs. The morning meeting might include a five-minute warm-up; in the evening, everyone could be required to sign a statement that says “I left the job healthy today.”
Together, we can build a comprehensive workers’ compensation solution that helps manage your risk and reduce claims.