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…)
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…)
According to the National Council on Compensation Insurance, restaurants are subjected to workers’ compensation claims averaging $45,600 per year. Most restaurants can’t afford an extra bill that big. Luckily, there are ways that restaurants can avoid being crushed by these costs and also recoup losses quickly.
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.
Play with fire and you’ll get burned. Work with fire and the risk remains. No industry accounts for more burn injuries than the restaurant business, which suffers over one-third of all reported workplace burns — more than 12,000 a year.
A serious burn can put a valued employee out of commission and cause related financial issues to flare up, seriously hurting your business.
With the right recipe for safety, however, you can put out this risk and keep your employees safe. (more…)
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…)
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…)
Everyone knows to be careful during the winter months when temperatures dip below freezing and there’s snow or ice on the ground.
What people often neglect to consider is that hazards still exist in the summer months, both indoors and outdoors. In fact, it’s the element of surprise that can make summer slips, trips and falls more severe than those that occur in winter.
Slips, trips and falls are the second-leading cause of employee injury nationally, with these types of injuries increasing by 41 (more…)
If you’ve ever applied for workers compensation insurance, you might remember that one of the questions on the application asks whether a written safety program exists for your business. But what is a proper written safety program?
In its simplest form, a written safety program consists of the written policies, procedures and work rules at a business. This program is then provided to employees upon hire and is regularly updated as work conditions change. These are the work practices you expect employees to follow in order to stay safe on your job-site, or in your store or restaurant. Topics include when and where to use eye protection, the use of non-slip footwear, how to handle chemicals safely, how to guard machinery, how to lift safely, and more. (more…)