Category Archives: Workers Compensation

Out of State Workers Compensation: Avoiding Liability Exposures Across State Lines

A common mistake an employer can make is to buy workers compensation insurance in one state while having employees working and/or living in another state. This creates a liability exposure in which the policy you purchased may not have coverage for claims generated by these employees.

One reason for this potential gap in coverage is that an employee is entitled to select the jurisdiction they wish to file their claims based on these three basic principles: (more…)

Slip-Resistant Shoes for Employees

This entry is part 10 of 14 in the series Slips, Trips & Falls

Did you know that slip, trip and falls are the most common cause of workplace injury, accounting for nearly 40 percent of all reported injuries? The National Safety Council estimates that more than $70 billion is spent annually for worker’s compensation and medical costs linked to falls that occur at work – and when it comes to accidental deaths, only motor vehicle accidents outrank slip, trip and falls. Slip-resistant shoes can help businesses reduce worker’s compensation claims, eliminate workdays lost due to injury, and retain employee productivity.

So, why so many slip and falls? (more…)

The Power of a Phone Call

If a face can launch a thousand ships and a picture is worth a thousand words, can a phone call save a thousand dollars?

A workers compensation adjuster will likely tell you: YES.

In today’s world of smart phones and computers, we communicate dozens of times a day. Some of the most common methods of communication are email, text, Skype, FaceTime or Snapchat. With so many options to choose from, why would an employer want to actually have a person-to-person phone call with an injured worker? (more…)

Minimize the Risk of Employee Back Strain at Your Grocery Store with the NIOSH Lifting Equation

In 2014, the Bureau of Labor Statistics reported that for all workers there were 365,580 cases of musculoskeletal disorders (MSDs), such as sprains or strains resulting from overexertion in lifting. Workers who sustained an MSD required a median of 13 days to recuperate before returning to work in 2014, compared to 9 days for all types of cases, and up from 11 days in 2013.

A significant workers compensation hazard for grocery stores is material handling and lifting. Employees may be lifting throughout the entire day without drastic effects. However, there are lifts that can be potentially dangerous to their back and overall body.

I conducted a random sampling of 10 Society Insurance customers that operate grocery stores and have determined the maximum average weight lifted on a day-to-day basis. The averages from the samples are as follows: (more…)

8 Tips to Prevent Stepladder Accidents

This entry is part 11 of 13 in the series Safe With Society

As we celebrate our 100th year in business in 2015, we embark on another century of commitment to our policyholders. Our mission is to protect the livelihoods of our policyholders, and, as the saying goes, an ounce of prevention is worth a pound of cure. In keeping with that theme, we’ll celebrate our 100th year in business with 100 important tips to help identify, evaluate and prevent dangers that could result in financial loss or injury in a year-long “Safe with Society” blog series.

Accident studies have shown that ladders are involved in more than 300 fatalities and about 100,000 injuries each year. Stepladders are involved in a high percentage of these falls. Does this mean that stepladders are unsafe? Not if they are set up, used, and maintained properly.

Most stepladder accidents involve unsafe practices and conditions. It is up to everyone to ensure that the equipment they use is in good physical condition and that they are using it properly.

Here is a list of 8 ways to prevent some of the most common stepladder accidents: (more…)

Speak Up About Safety: 5 Steps to Building a Safety Culture in the Workplace

We are all born with instincts – those “gut reactions” that tell us what is right or wrong, safe or dangerous, good or bad. They’re vital to our survival and help us navigate through life. Even though this is a natural reaction produced without any effort, these feelings can be ignored. In a high-stress situation, we may overlook the safest option in favor of a quicker alternative. Sometimes this results in an unsafe situation for ourselves or those around us. This becomes especially dangerous in the workplace. (more…)

VIDEO: Proactive Approach Reduces Workers Compensation Losses

A high level of knowledge and understanding regarding industry-specific safety issues and loss trends makes a big difference in reducing workers compensation losses.

In this video, Rhonda McCreedy of DeRosa Corporation, Wauwatosa, Wis., and Chris Halverson of M3 Insurance Solutions, Waukesha, Wis., discuss Society Insurance’s proactive approach to risk control and loss prevention in the restaurant and bar business. (more…)

Taking Control of Slip and Fall Risks

This entry is part 8 of 14 in the series Slips, Trips & Falls

Have you ever slipped, tripped or fallen? Perhaps you have watched a television show where a slip, trip and fall was the punch line for a joke. Slips, trips and falls are no joke, however, and rank among the most frequent types of accidents, second only to motor-vehicle accidents as a cause of death. According to recent information from the Bureau of Labor Statistics, they are second in the number of disabling injuries in occupations, accounting for nearly 25 percent of all disabling injuries.
(more…)

OSHA 300 Log Posting

Under the Occupational Safety and Health Administration (OSHA) recordkeeping regulation (29 CFR 1904), certain covered employers are required to prepare and maintain records of serious occupational injuries and illnesses using the OSHA 300 log. This information is important in evaluating workplace safety, understanding industry hazards and implementing worker protections to reduce and eliminate hazards. Workplaces under federal OSHA jurisdiction must post their OSHA 300A form which is a summary of the total number of job-related injuries and illnesses that occurred during 2014 as indicated in their OSHA 300 log form. The 300A summary form must be posted between February 1 and April 30, 2015. (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…)