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…)
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…)
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…)
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…)
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…)
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…)
One of the things I enjoy most about my job is learning all the little nuances of one state vs. another; and after 25 years in the industry, I have found one dynamic of individual states to be a great predictor as to the overall health of the workers compensation (WC) system within that jurisdiction.
You might think after watching some of the television commercials that I’m only interested in finding ways to deny claims; and as much as that makes for good theater, the truth is I have seen statistics that as much as 95% of all Loss of Time claims are managed without the need for litigation. The system looks to employers and their carriers to be administrators of the process with limited litigation – that was one of the founding principles for workers compensation in its inception in 1911.
Even so, there is competition within and among states in how they manage their WC systems; (more…)
Workers compensation is an important consideration for every employer and handling the associated obligations can be a challenge for any business. But employers can have a huge impact by following these six tips to minimize risk of injury, promote a smooth claims process and support employees’ return to work. (more…)
Meat slicers are an essential tool for any deli, grocery store or supermarket, as well as many restaurants, allowing for precisely sliced and sized meats and cheeses. Used incorrectly and without caution, however, they can seriously injure employees.
A study over a four-year period found meat slicers accounted for more than 700 restaurant worker injuries and 100,000 days of lost work. Capable of spinning at tremendous speeds, the machine’s sharp blade is an ever-present danger to any employee operating it, even when it’s powered off.
Providing the proper training and equipment is the best way of dulling employees’ chance of injury. Teach these small details to cut down on potential problems: (more…)