Winter Precautions

Slip and fall precautionsWinter is here in full force, and with your best efforts to keep your driveway and sidewalks shoveled and salted it is tough to keep your premises completely slip free. You can help protect your employees and customers by taking these recommendations under consideration.

Shovel Safely and Thoroughly

Many business owners choose to shovel their own sidewalks instead of opting to pay someone to save some costs. This option opens up increased liability and injuries to employees. Be sure to teach these employees that will be doing the salting and shoveling the proper techniques in order to help prevent repetitive motion, back, and shoulder injuries.

Contract with a Respected Plowing Company

If it is possible it is recommended to hire a local contractor to plow the snow on your premises. When looking who to hire be sure to obtain certificates of insurance. Once you verify that the business carries insurance it is important to sit down and put together a well thought out snow removal plan. This should outline where the contractor should plow, and where the snow should go. Be sure to identify which areas have the most traffic and what times are the busiest for your business.

Document Work Done and Injuries

With the unpredictable weather a great way to minimize liability is to keep a shoveling and salting log. When it is possible, show that you’ve done everything you could to stay on top of shoveling and salting; most courts will dismiss frivolous claims that arise from slips on ice, because no one can keep a sidewalk clean 100% of the time. This shoveling and salting log should include the date and time, which sidewalks were shoveled or salted, and the name of the person who did the work.

A winter slip and fall injury could happen on your premises despite your best efforts. If someone reports to have fallen in your parking lot or on your sidewalk be sure to investigate the situation immediately. Locate where the fall had taken place and take pictures documenting the location. If ice or snow helped contribute to the fall, be sure to shovel or plow the area as soon as possible, if not, look back at your shoveling and salting log and make a note of when the last time that area was plowed, shoveled, or salted.

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Workers’ Compensation: Reducing Premiums Check List

Workers CompensationReducing Your Workers’ Compensation Costs

The easiest and most effective way to reduce your workers’ compensation costs is to reduce the number of accidents and injuries in your workplace, but how can you know that you have covered all the bases when working to minimize your Workers’ Compensation costs?  It can be a bit confusing on where to start but actually starting the process can be quite easy, as it should be. By being aware of safety issues in your workplace it will help you control unnecessary costs, increase your productivity, and create a safe environment for your employees. You help this by using the 5 Ps of controlling workers compensation costs:

  • Prevent
  • Prepare
  • Pay Attention
  • Promote
  • Properly Classify

By using these 5 Ps you can increase the safety of your workplace and reduce the number of accidents, consequently reducing your Experience Modification Factor, or Mod.

Niklas Almstrom

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Workers Compensation: Reducing Premiums

How to Reduce Workers’ Compensation Premiums

By taking simple steps to reduce injuries in the workplace, you can reduce and control your workers compensation costs. Workers compensation premiums are calculated based off your Experience Modification Factor or Mod. This formula compares your company’s actual losses to your expected losses by industry type. It includes factors that account for company size, unexpected large losses and the difference between loss frequency and loss severity, to achieve a balance between fairness and accountability. To control your Mod develop a sound safety program, return to work program (for more information and tips on return to work programs see our blog about Return to Work Programs), and proper prevention procedure to reduce loss frequency. The most effective way to reduce workers compensation premiums is having a safe work environment and a proactive safety program to reduce losses. Some other tips include:

  • Train Employees – regularly on the safe and correct use of equipment
  • Safety Manuals - are created and distributed to all employees
  • Return to Work- the sooner the better, but with modified or alternate work

Learn how to increase the safety for your employees while decreasing your premium costs. Download our free Reducing Premiums Workers’ Compensation Tip Sheet today!

Workers Compensation Reducing Premiums