3 steps to reduce the risk of workers compensation claims — and better protect your employees

Put together a dedicated safety team that regularly assesses risk factors at your business facilities. Depending on the size of the company, this may include hiring dedicated risk managers and outside consultants. For each facility, piece of equipment or process, take stock of potential dangers and establish procedures to mitigate those risks.

• Create a written safety plan. Include policies for safe conduct and for reporting incidents, as well as procedures. Make sure the plan incorporates the OSHA requirements for your industry.
• Keep the plan up to date. Review and amend as new equipment or processes are introduced. 
• Consult your insurer. Chubb risk engineers are knowledgeable about business-specific hazards-and how to prevent them.

Ensure that safety is embedded in the workplace culture and make it a collaborative responsibility of both management and employees. A great way to enhance and promote this is through a formal workplace safety program. According to the Insurance Information Institute, workplace safety programs not only help prevent accidents, they also increase morale, productivity and employee retention. 

• Start from day one. Your written safety control program should fully explain the company’s safety policies; make sure all new hires review the policies during onboarding.
• Make your program visible. Communicate your safety culture through posters, frequent notifications, and talk it up in meetings.
• Reward good safety records. Let your employees know you value their efforts to maintain a safe workplace. 
  

Training for all levels of employees and management is key to creating a safe environment for all. In addition to job-specific safety training, conduct regular refresher sessions. Take these opportunities to remind staff to avoid unsafe behaviors, like heavy lifting without proper precautions or supervision, or hazardous situations, like walking on wet, slippery floors. Consider first aid training for some or all of your staff. Be sure to:
 

• Train early and often. Anytime a worker is new to a facility or piece of equipment, conduct safety training for that site or machine. It can also be helpful to train workers on safety basics, like ladder or lifting safety.
• Ensure a two-way dialogue. Encourage employees to come forward with safety matters; listen to and act on their concerns.
• Evaluate and evolve. Regularly — and in the event of an accident — conduct safety reviews, update training procedures, and implement preventive measures.
• Consider a variety of training options. Effective training can be done through in-person or classroom training, webinars, and online learning. Having a variety of options can make it easier to schedule employees for appropriate sessions.