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November 2017

How to Reduce Your Workers Compensation Costs, cut down on your workers compensation costs

How to Reduce Your Workers Compensation Costs

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Take these steps to cut down on your workers compensation costs.

Unfortunately, every type of business and industry is at risk for a workplace accident.  That’s why it’s so important for businesses to have the right workers compensation insurance coverage for their employees.  However, if you’re filing workers comp claims every other week, then your insurance costs can get very expensive very quickly.  Here are some steps you should take to cut down on your workers compensation costs.

Create a Safe Work Environment

Once of the easiest ways to reduce workers comp costs is by creating a safe work space.  Some of the most common workplace injuries are trips, slips, and falls.  So, make sure you address any hazards that might cause these accidents.  For instance, a leaky drinking fountain or some bunched carpeting could increase your employees’ risk of a fall.  Additionally, many workplace accidents occur due to inadequate lighting, so if you see a broken or flickering bulb, make sure you take care of it asap.  Another way to create a safe work environment is by making sure that all equipment is operating properly.  Regularly inspect your employees’ equipment and take note of any issues, no matter how minor.  When it comes to your employees’ safety, it’s always better to be over cautious.

Offer Safety Training

Another way to help reduce your workers compensation costs is by offering safety training courses.  A good safety training program will teach your employees how to safely complete their jobs and how to avoid taking unnecessary risks.  Additionally, your training program should also tell your employees how to handle a workplace accident in case there is an injury in the workplace.  Oftentimes a workplace accident is made worse by improper handling, so teaching your employees how to safely address the situation could also save you on workers comp costs.

Set a Good Example

Finally, a good way to reduce your workers compensation costs is by making sure that you adhere to your own safety standards.  When your employees see that you are following safety protocols, they are much more likely to follow suit.  Additionally, when you commend employees that prioritize workplace safety over speed, then you are emphasizing that a safe workplace is your main concern.  Simply practicing what you preach can reduce the number of workplace accidents and save you money on your workers comp insurance.

These are just a few strategies that you can try to cut down on your workers compensation costs.  Remember, another way to save money is by only paying for the coverage you need.  To discuss your business’s risks, contact the experts at Contractors Insurance Agency.  Our knowledgeable team is ready to work with you to get to comprehensive coverage that fits your budget.

Training Tips to Keep Workers Safe from Cold Weather Hazards,prepare your employees for winter hazards

Training Tips to Keep Workers Safe from Cold Weather Hazards

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Try out these training tips to prepare your employees for winter hazards.

While not everyone works outside during the winter, cold weather hazards can affect any workplace.  Rain, ice, snow and other winter storm conditions can pose a danger for commuters, make for dangerous travelling conditions, and cause power outages and damage to the workplace.  If you do work outside during the winter, then the bad weather conditions can cause some very serious health problems.  As winter approaches, make sure your workers are ready.  Try out these training tips to prepare your employees for winter hazards.

1) How to build emergency kits

One of the main things that you should discuss with your employees during training is what to do in the case of a winter weather emergency.  For instance, if weather conditions are particularly intense, then your employees might not be able to leave the workplace.  That’s why it’s important that your employees to keep a storm preparedness kit with them while they’re at work.  Kits should include things like nonperishable food items, water, a change of clothes, blankets, and any medication your employees might need should they be snowed in.

2) Review workplace emergency action plan

Another thing you should review during training is how to respond to various winter weather emergencies.  For instance, you should discuss what to do if there is a medical emergency and an ambulance is delayed due to bad weather.  Other scenarios you should prepare your employees for include: power outages, frozen and damaged pipes, damaged roofs, broken vehicles or equipment, and traffic accidents while on the job.

3) Emphasize dangers of hypothermia

Finally, if our employees work out in the cold, then you should train them to recognize the early signs of hypothermia.  Hypothermia is a condition where an individual’s body temperature drops too low.  In its early stages, hypothermia can cause shivering, lethargy, and mild confusion.  However, if allowed to progress, hypothermia can cause more extreme confusion and inability to do simple movements.  In the most extreme cases, hypothermia can cause the heart rate, breathing, and blood flow to slow and can lead to brain damage and even death.  Teach your employees to recognize the early signs of hypothermia and teach them some warming techniques.  Some techniques include body-to-body contact, employing prewarmed sleeping bags, application of heat packs, and administering warm fluids to drink.

Offering adequate training can prepare your employees for winter hazards, so make sure your workers are ready for anything.  Another way to make sure that your employees stay safe is to make sure you have adequate commercial coverage.  To find the right policies to protect your business and your employees, contact the experts at Contractors Insurance Agency.  Our dedicated team has you covered.

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