Even a business that appears completely safe likely has hidden dangers. Rely on our consultants to provide you with safety solutions designed to prevent workplace accidents, and in turn, workers' compensation claims. We are committed to injury prevention for all of our clients.
- Safety & Health Management System
- Safety Policies
- Safety Team Formalization & Training
- Safety Inspections
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- Train-The-Trainer Resources
- Employee Training
- On-Going Support When You Need It
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The job of designing, communicating and enforcing your company's safety and health policy, identifying and correcting unsafe workplace hazards and conditions, training employees, instilling safety awareness, and promptly responding to accidents — all in accordance with state and federal laws — is an increasingly complex task. Many companies rely on loss prevention services provided by their insurance company for support. But ask yourself these questions:
- How often do they come out to make their inspections? If you are like most companies, it is just prior to renewal.
- Do you have the sense the insurance company inspector truly understands your business?
- Are you satisfied with their inspection report?
- How much time do they invest in helping you implement the resources they give you?
- Do you think they are a true partner in helping you run your business safely?
The Flaw in Solely Relying on Your Insurance Carrier for Injury Prevention Services
If any of these questions cause you concern, there is a reason. It is found in your workers' compensation policy. Section A of "Conditions" of the standard workers' compensation policy states:
"We have the right, but are not obligated to inspect your workplace at any time. Our inspections are not safety inspections. They relate only to the insurability of the workplace and the premiums to be charged. We may give you reports on the conditions we find. We may also recommend changes. While they may help reduce losses, we do not undertake to perform the duty of any person to provide for the health or safety of your employees or the public. We do not warrant that your workplaces are safe or healthful or that they comply with laws, regulations, codes or standards. Insurance rate organizations have the same rights we have under this provision."