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Controlling your Worker’s Comp Premium

Reduce your workers compensation premiums

We believe these measures are so important that we will help our policy holders implement and maintain these programs, all at no additional charge.

Develop a Written Safety Program

If accidents don’t happen, they can’t affect your premium. Loss prevention specialists can help you develop and implement a practical, effective safety program tailored to your special needs

Implement a Drug Testing Policy

An integral part of any safety program is a drug testing policy, because drug-impaired employees cost companies an additional 25 percent of their salaries each year.

Develop a Return-to-Work Program

The faster you get employees back to work, the lower your claims costs will be. Before an accident occurs, establish a return-to-work program that includes written job descriptions, modified work assignments and set transitional duty periods.

Report Claims Within One Hour

Statistics show that late reporting can increase claims costs up to 50 percent. That’s why you should report claims and injuries within one hour.

Report Suspected Fraud

Report fraud if you suspect a claim is fraudulent or if any of the following early warning signs are present: the injured employee is never home, you hear rumors the accident didn’t occur on the job, the employee’s story changes, the employee switches doctors after being released to work, there are no witnesses or the accident is reported late, on a Monday or before a layoff.

Conduct Accident Investigations

Train supervisors to investigate accidents and complete reports. Ask the employee and any witnesses to explain in detail how, where, when and why the injury occurred. Use this information to correct any hazards and also to spot possible third-party liability.