The most common accident in restaurant kitchens are cuts – specifically, finger cuts. This can be costly for an employer due to medical expenses, employee time off of work, and increased workers compensation premiums. Reduce the likelihood of finger cuts occurring at your restaurant by implementing a plan to address the hazard. (more…)
Society’s insurance case studies are real-life stories, explaining complex business situations from start to finish. These stories detail how business owners and insurance companies work together to overcome unique and unexpected challenges.
In this case study, an accident caused by a customer resulted in serious employee injuries and significant property damage.
While heavy tools create a variety of physical risks for contractors, manufacturers and auto repair workers, one of the threats is harder to detect: hearing loss.
Though it may not seem serious, hearing loss is one of the most common workplace illnesses in the United States. The U.S. Centers for Disease Control estimates approximately 22 million American workers are exposed to dangerous noise levels at their job each year, and account for about 14% of reported occupational illnesses each year.
Exposure to high-volume environments comes at a price. Hearing loss jeopardizes communication and alertness in the workplace and can plague workers the rest of their lives. And the price tag? (more…)
When you think about the most dangerous jobs, a non-CDL (Commercial Driver’s License) service or delivery driver does not usually come to mind. However, every year thousands of workers are injured or killed while performing a delivery. According to the National Highway and Traffic Safety Administration, there were over 100,000 injuries and 300,000 accidents involving delivery vehicles in 2012 and Time magazine ranked it number eight on its list of the 10 Most Dangerous Jobs in 2014.
Delivery driver dangers include vehicle accidents, injuries while performing the delivery such as back injuries and slips, trips and falls, or crime. Both employers and employees can take important steps to help reduce these hazards. (more…)
Answers to Your Questions about New OSHA Recordkeeping Rule
Recently, you may have seen articles about a new Occupational Safety & Health Administration (OSHA) rule requiring certain employers to electronically report their prior year injury data to OSHA. You may have also wondered if this rule applies to you. This blog will answer some of your most common questions about this new rule (why, who, how and when), as well as provide direction on where to find more information. (more…)
Let’s face it; working in construction is dangerous. In 2015, one in five worker fatalities occurred in construction. Is it any wonder why the Occupational Safety and Health Administration (OSHA) conducted almost four times as many inspections and issued over twice as many penalties for the construction industry compared to the next closest industry classification? By the numbers, that’s 11,869 inspections, 29,777 citations and nearly $72 million in fines from October 2015 through September 2016. (more…)
Handling workers compensation claims is no easy task. Some cases are very complicated, as well as very expensive. And every state’s laws regarding the payment of workers compensation claims is different. To add to that challenge, each state’s laws also differ somewhat as to how an insurance company may recoup some or all of the benefits paid. It is sometimes possible to recover money through the process of subrogation when the work-related injury was the fault of an independent responsible third party. (more…)
March is National Ladder Safety Month
The American Ladder Institute (ALI) is made up of 16 ladder manufacturers responsible for developing ladder safety standards. ALI recently announced the launch of an initiative to address ladder-related incidents: the first National Ladder Safety Month. As reported in the March 2017 issue of Safety & Health magazine from the National Safety Council, the goal of this annual March campaign is to: (more…)
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…)
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…)