A loss analysis of Society Insurance claims determined that slip and fall accidents on a level surface are Society’s number one source of loss for our Workers Compensation and General Liability customers.
Slips and fall accidents can cause painful injuries that may need immediate medical treatment from emergency medical services. These injuries can also cause permanent disability. It is not a pleasant image when an ambulance has to come to your business to treat and transport an injured customer or employee. This is certainly not the experience that a customer or employee was expecting when they came to visit your business or when they started their work day. (more…)
What is an MVR, what is it used for, and who should be checked? A motor vehicle record (MVR) is a historical driving record that can be used to determine business risk associated with current and potential drivers. MVRs may include: (more…)
Did you know that 1 out of every 169 drivers will collide with a deer during the coming year? Wisconsin and other Midwest states consistently rank in the 10 worst states for deer crashes. Collisions between vehicles and deer cause 150 fatalities annually in the United States.
Here are some helpful tips to prevent deer crashes: (more…)
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…)
Several bills pertaining to Wisconsin Workers Compensation were signed into law in 2016. It is important that we understand how these changes may affect us and also, how we may adjust our internal processes to best position ourselves for success. A couple of the new changes are detailed below. This is conveyed for informational purposes only and is not to be considered legal advice. If you have any questions as to how this may affect an individual business entity, consult with your Human Resources expert or other legal counsel. (more…)
Prompt workers’ compensation claims reporting is key to receiving reimbursement promptly 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…)
The winter driving season means severe weather and dangerous driving conditions. Winter storms seem to pop up out of nowhere. As a driver, you should be aware of the many safety rules/strategies for winter driving.
Before the winter driving season even starts, it is important to have your vehicle checked out by an authorized mechanic. Your mechanic should check the condition of: (more…)
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…)
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…)
The insurance tips and trends to help you make smart safety decisions for your business, plus an inside look at Society.