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Before you buy workers comp insurance, know your roadmap

Building a Top-to-Bottom Safety Program.

Many employers do not realize the full effect workplace accidents have on their organization. Beyond initial treatment costs and lost production time, on-the-job injuries impact insurance premiums, which can increase a company’s costs for years to come. Building a comprehensive safety program that engages all levels of your organization can reduce accidents, improve morale and ultimately protect your bottom line.


Demonstrate a Need for Safety.

Successful safety programs start at the top. The following information may help you understand the importance of a strong safety culture, as well as the need for upper management support and leadership.

For more information on how we can help, we have put together a short review on Workers Compensation – What You Need to Know.

Build a Safety Culture.

A strong, pervasive safety culture goes beyond ‘incentive of the month’ programs. Continued reinforcement is necessary to build and maintain a safety-minded culture within your organization.

We can supply you with safety materials such as industry-specific flyers, newsletter and a comprehensive safety manual to help you keep safety top of mind. We can also help you develop a plan to train your employees in safe practices and advise you in developing forms for new employees to sign stating that they understand the company’s safety policy and will comply with its rules.


Use OSHA to Your Advantage.

Vital to any business but also complicated to manage, OSHA compliance is essential to both building a safe work environment and avoiding costly fines.

Help simplify your compliance issues, we’ve put together Steps to reducing Workers Compensation Costs that specifically addresses developing a solid OSHA program..


Integrate Wellness and Worker Safety.

Statistically, unhealthy workers are far more likely to be involved in a workplace accident. They also generally require longer rehabilitation and incur higher medical costs than their healthier counterparts. Adding a wellness program to any safety initiative can help reduce the frequency and severity of workplace accidents.

We have put together a starting point for employers who are interested in implementing a wellness program for your employees in our recent article: The Obesity Epidemic and Workers Comp Costs – What Is Their Connection?


This information is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice.  Should you have any questions or would like to discuss your risk exposure when buying insurance, please contact the insurance pros at ARCW Insurance.  We are here to help.