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Straight talk about workers compensation insurance Employers have a
legal responsibility to their employees to make the
workplace safe. However, accidents happen even when every
reasonable safety measure has been taken. Employers pay more than $25 billion in premiums every year to provide that coverage. It probably comes as no surprise to you that the premiums employers have paid for those benefits doubled in just one decade. But, there are some ways you can help control your costs. Workplace safety pays off Create a workplace safety program to reduce the frequency and severity of injuries. A good safety record will not only save money on premiums but will also make your employees more productive and improve morale. Work with us and we'll help you and your employees find ways to identify and eliminate workplace hazards. Start a management-employee safety committee to monitor workplace safety and create written procedures. Reward employees for good safety records. Get into the right governing class Accuracy pays. Insurance companies place businesses and employees into rate classes based on the type of business in which the employer is engaged. Not all employees of a business necessarily must be assigned to the same governing class. We'll work with you to help ensure that your business and your workers are properly classified. Root out fraud early Fraud is a major cost for workers compensation nationally. Most states give employers a limited time to challenge fraudulent workers compensation claims. You need to know the rules and contact us immediately if you think a claim is fraudulent. Your good claims record is an asset worth protecting. Shop for the best value Insurance companies vary in both the service they provide and the price they charge. We'll help you find the best overall value for your situation. |
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