Height. It’s what makes ladders so useful and also so hazardous. Ladder-related injuries are on the rise, averaging 136,000 accidents a year. The price is also high for businesses, which shell out $70 billion annually on occupational fall-related injuries.
What is a Return to Work Program?
Return to work programs, true to their name, are a set of protocols and guidelines to help injured workers reintegrate into their employment position after they have taken time off due to injury or illness.
If you value your employees, you should know that the longer an injured worker is off work, the less likely they are to return. On average, if a worker is off for 12 or more weeks, there is only a 50% chance that they will return to the same job. If they’re off for more than 1 year, there is a less than 5% chance they return to the same job. Developing a coherent return to work program will help you keep your valued employees and ensure that they have a job after recovery. Here, we’ll go over two questions: “what are the benefits of a return to work program for an employer?” and “how does a return to work program benefit an injured worker?”
We’ll also give you some insights on how you can start creating your own program. (more…)
Electronic data is an important component of your business operations. What would happen if you suddenly lost access to this information? Would you be prepared for the cost associated with recovering your computer network assets? (more…)
The premium audit process is designed as a service that guarantees you only pay the premium that you owe. Premium audits help to calculate the premium that a business owner truly owes rather than a premium based on the estimated figures provided when the insurance policy was issued.
While this could mean that your premium will increase if information was missing or your actual payroll or sales figures were more than the estimated figures, it could also mean more money in your pocket if those figures were less than the estimated amounts.
Premium audits are typically conducted after the policy expires or is canceled. In addition, the premium audit can provide valuable information about your business operations.
Here are answers to the five most common questions concerning premium audits. (more…)
How would your business respond after an emergency? We commonly plan for how to respond DURING an emergency, but put little thought into how we should respond AFTER a crisis has occurred. Business continuity planning can help to minimize business loss, improve continuity of operations, and protect the reputation you have worked hard to establish in your community. If your business becomes disrupted by a power outage, tornado, flooding or other disaster, it can cost you significant revenue and lost customers. (more…)
Business owners are commonly contacted about completing a remium audit after an insurance policy expires or is canceled. The audit process is designed as a service to you that guarantees you only pay the premium that you owe.
What is a Premium Audit?
The primary purpose of a premium audit is to calculate your final insurance premium. When your policy was issued, the premium was an estimate of an exposure basis (usually payroll or sales) multiplied by a rate. The rate used is determined by how the exposure base is classified. The audit will examine your records to establish the actual exposure basis and make sure that the correct classification codes and rates are used in determining your final premium. Because the original premium was an estimate, the audit will mostly likely result in a change of premium and/or classifications for your business. (more…)
Do you think an active shooter incident can’t happen at your business? Think again. Active shooter incidents in the workplace have continued to increase and are now five times more likely to happen than they were in 2000. These days, mitigating the loss of life through active shooter preparedness is essential for every business.
Would you know what to do during an active shooter situation? Ultimately, the goal of active shooter preparedness is to help build awareness of the issue and to provide helpful strategies that could potentially save your life and the lives of those around you. (more…)
With the world at our fingertips, it is not unusual to do a quick internet search when we’re looking for information. But using that information without permission from the owner can result in costly consequences. (more…)
It is no secret that criminals are getting smarter at using technology to their advantage. Unfortunately, that means your business could be the victim of a data breach left to face tremendous financial costs, lost customers and a damaged reputation. When word gets out that data was compromised at your business, it may take time to convince customers that it is safe to come back. (more…)
Thankfully, most people haven’t had to contain a fire. But take a moment to think about how you would react during a fire emergency. Would you know what to do? Knowing how to operate a fire extinguisher could mean the difference between minor damage and a full-scale disaster at your business. (more…)