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As an employer, you are aware that your workers' injuries and illnesses impact your bottom line and your business' productivity. Of course, you can take steps to mitigate that risk and expense. In fact, implementing a solid Workplace Safety Program in your company could certainly be one of the most powerful changes you can make. With an effective program of this type in place, many employee absences due to work-related illness and injuries can be avoided. It is also possible that you could see a decrease your workers compensation risk and expense as well since a significant element of your workers comp insurance premium is related to  frequency of claims.
 
Of course, you will want to see that your Workplace Safety Program is in compliance the Occupational Safety & Health Act.  In fact, OSHA can provide information as well as consultation and/or training if needed. Assuring that your inhouse program guidelines are in line with OSHA is important for many reasons, including the impact it will have on your Workers Compensation insurance policy.  Typically, insurance carriers will look at how effective and comprehensive your program to assure workplace safety is when deciding on your insurance coverage.
 
A company’s safety program should be unique but in general will usually include written safety procedures and guidelines that are made available for employees’ reference. Optimally, your plan would identify a Safety Manager located in-house with the responsibility to carry out the program by providing orientation for new employees, training existing employees, coordinating safety inspections, as well as to impel employees to avoid unsafe practices.
 
Even the most effective Workplace Safety Program might not prevent all accidents. Therefore, you should see that it includes guidelines for on-site first aid care. A well-designed program will also include a return-to-work protocol to be followed after an employee work absence due to work-related illness or injury.
 
Here at the Boizelle Insurance Partnership in Gaithersburg, MD, we are available to answer your questions regarding workers compensation coverage and to discuss any other business or personal insurance needs. Please contact us at your convenience for more information.
 
Already have workers compensation insurance? Why not request a no-obligation policy review to be sure that your rates and premiums are the best for your needs?
 
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