Every employer should want
to increase their safety program and reduce on-the-job accidents.
You can reduce your workers' compensation exposure by an effective
and active safety program. Since a large part of how much is paid
for workers' compensation premiums is based upon frequency of
injury, the premiums can be reduced with an effective safety
One person within your
organization should be appointed safety manager and should have the
responsibility of full implementation of a safety program. Of utmost
importance to the safety manager is the ability to motivate, educate
and train employees. Since many accidents can be directly related to
unsafe acts, it is the safety manager's responsibility to encourage
employees to operate safely.
Part of the safety program
should include written rules and procedures to indoctrinate new
employees, require periodic inspections, investigate accidents,
provide first-aid care and have an effective return-to-work program.
The employer should also be
aware that an insurance company has the right to inspect the safety
of the workplace. A good safety program requires the involvement of
all employees. There are safety programs which can help you comply
with the Occupational Safety & Health Act. You can request your
workers' compensation carrier to provide a safety consultant to help
you implement safety programs, etc.
OSHA also provides
consultation, training and information services for employers. has
publications available to help you with your insurance coverage and
An effective safety program
is a primary consideration of insurers when deciding how and whether
to write insurance coverage.