The State of California requires businesses to have Workers Compensation Insurance in order to cover any costs associated with employee injuries at the workplace. Workers Compensation Insurance covers medical expenses and lost work time for the injured employee; however, the cost of insurance claims through Workers Compensation can be one of the most expensive costs affecting small businesses. By providing a safe work environment, business owners can reduce the amount of Workers Compensation claims, and in turn, can keep insurance premiums low. Here are some suggestions for ensuring a safe work environment:
- Implement and practice a thorough safety program. Employers should encourage employees to follow written safety procedures in the work place and then establish penalties for noncompliance. Safety procedures should be reinforced through regularly held safety meetings.
- Report injuries immediately and monitor potential claims. Collect and record as much information as possible to protect yourself. For instance, provide photos of the accident scene, track the employee’s medical bills, chart the employee’s timeframe for returning to work, etc.
- Look for patterns from past claims and make appropriate preventative changes.
- Complete a thorough inspection of the work place and identify any potential hazards. Check for trip hazards, slippery surfaces, proper lighting, and potential electrical issues. Also, verify that employees are using the proper Provided Protective Equipment (PPE) to perform their job safely.
- Ask your employees to contribute to a safer work environment. Encourage their input for how to make the work environment safer. When employees have an opportunity to have their suggestions or concerns voiced and heard, they are less likely to experience an on-the-job injury.
- Consider whether a safety counselor would be of value to your business. A consulting service can train managers on the proper procedures in handling accident investigations and reporting claims. In addition, consulting services can provide ergonomic assessments, which can prevent injuries caused by repetitive tasks (the most common cause of workplace injuries).
Employers that continually remind workers to follow safety procedures will reduce claims and save money on their San Diego Insurance. If you have questions regarding your Workers Compensation Policy, claims procedures, or would like additional information, please contact us today. We look forward to assisting you!