Tag Archives: injury

5 Reasons Your Business Needs Video Surveillance

Is your business as well-protected as it should be? Do you really know what goes on when you’re not there to see it firsthand? As a business owner you want to ensure that your investment is protected against loss from the public or from your own employees.

Due to their early and late hours and sometimes short staffing, gas stations, convenience and liquor stores are often subject to more crime and violence, which is a growing concern among many of Society’s policyholders. Other businesses such as restaurants, taverns, and grocery stores experience increasing numbers of slips and falls. Having an effective video surveillance system will help deter shoplifting and employee theft, and it can also prove valuable when trying to document crimes and injury claims by customers or employees. Many of the newer digital systems allow you to review your footage from a smart phone, even if you are not onsite.

So, is video surveillance really necessary at your business? YES. Here’s why: (more…)

Understanding Assault and Battery Insurance Coverage

The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.

Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”

For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.

Did you know that many insurance carriers exclude this coverage for bars? (more…)

Case Study: Timely Reporting of Workers Compensation Claims

This entry is part 4 of 6 in the series Claims Reporting

Society Insurance is a servicing carrier in the Wisconsin Workers Compensation Insurance Pool. As such, we see extreme cases and injuries. We treat these businesses just like every other Society policyholder. This case study provides strong evidence for the importance of prompt claims reporting. (more…)

Tips for Reporting Insurance Claims

This entry is part 3 of 6 in the series Claims Reporting

The easiest way to control your claim cost is with prompt reporting. Studies show that claims cost more when reporting is delayed. The sooner a claim is reported, the sooner it can begin to be managed and brought to resolution.

Key types of claims that should be reported as soon as possible: (more…)

5 Reasons Prompt Claims Reporting Saves You Money

This entry is part 2 of 6 in the series Claims Reporting

Prompt claims reporting is key to recouping your losses quickly and efficiently. The timing of when you choose to pick up the phone to report an incident to your insurance carrier has a direct effect on the bottom line. Here are the top five reasons why: (more…)

Case Study: Workers Compensation & Claims Handling

While all claims situations are serious, workers compensation claims are particularly harrowing because they involve the most valuable resource a business has: its people. The timely handling of a workers compensation claim can have a huge impact on the ultimate outcome. Cases that do not receive proper attention in a timely fashion — both from an indemnity perspective and a medical perspective — have the potential for a poor outcome. As such, any steps that can be taken to move the process along quickly are much more likely to create the best possible outcome.

On Oct. 25, 2007, Society Insurance received a First Report of Injury via fax. The form indicated that an employee had fallen into a 680-degree Fahrenheit tank on Oct. 24. (more…)

Updates to OSHA Recordkeeping Rule Effective 1-1-15

OSHA’s final rule on reporting that requires employers to notify the agency when a workplace fatality or serious injury occurs goes into effect January 1, 2015. The agency announced changes to its requirements for injury and illness recordkeeping and reporting on September 11, 2014. The final rule includes minor changes from the rule that OSHA proposed in June 2011, including: (more…)

Protect Your Business from Winter Slips & Falls

This entry is part 3 of 10 in the series Winter Defense

In part three of this four-week Winter Defense Series, I provide suggestions to protect your business from the leading cause of loss — slips and falls. If you missed the other ways you can keep yourself and your business safe this winter, check out Dress to Protect with clothing and layering suggestions, as well as Recognizing Dangerous Symptoms, which identifies warning signs and first aid for frostbite and hypothermia.

Slips and falls can happen anytime and anywhere, but the likelihood increases in winter due to snow and ice build-up outdoors and slush and water being tracked into buildings. A Society Insurance study of restaurant and tavern losses found slips and falls were the leading source of customer injury. A national study found slips and falls were the second-leading cause of employee injury, increasing 41 percent since 1998! (more…)

Train Employees How to Handle Meat Slicer Dangers

Meat slicers are an essential tool for any deli, grocery store or supermarket, as well as many restaurants, allowing for precisely sliced and sized meats and cheeses. Used incorrectly and without caution, however, they can seriously injure employees.

A study over a four-year period found meat slicers accounted for more than 700 restaurant worker injuries and 100,000 days of lost work. Capable of spinning at tremendous speeds, the machine’s sharp blade is an ever-present danger to any employee operating it, even when it’s powered off.

Providing the proper training and equipment is the best way of dulling employees’ chance of injury. Teach these small details to cut down on potential problems: (more…)

Stay Clear from Falling into Floor Openings During Construction

Falls cause far more deaths in the construction industry (about one-third) than any other type of accident. If a construction worker is carrying an object obstructing his or her view, not spotting a floor opening can lead to serious injury. Protection from floor openings is therefore crucial to ensuring the continued safety of construction workers on-site.

Before your workers begin construction above ground level, equip them with the right safety tools and tips they’ll need to stay on their feet. (more…)