A contractor is anyone who comes onto your premises to perform work; and is not an employee, visitor, or volunteer. Typical contractors include: plumbers, electricians, roofers, HVAC, landscapers, cafeteria workers, temp employees, lawn mowers, snow removal services, and custodial services. If a contractors’ employee working on your premises is hurt on-the-job, you could end up paying for ...
Here are nine strategies for reducing your workers compensation insurance premiums. Apply them at your company and see your insurance costs go down! Some of these strategies are controversial, but in todays’ challenging business environment one needs to be creative and open to trying something new. Your insurance agents’ commission may be negotiable. If you work with an independent agent, don’t be ...
Getting an injured worker back to work as soon as possible after an on-the-job injury is an important way to control the cost of a workers compensation claim. Offering light duty to an employee who is released to return to work with medical restrictions can reduce the impact of that claim on future insurance premiums ...
In the past, OSHA inspectors were not allowed access to insurance company safety inspection reports. Well that’s all been changed by some recent legislation. Now, the courts have given OSHA the legal right to see insurance company inspection reports. This means your OSHA fines and penalties could significantly increase if OSHA finds the same ...
Business Insurance is the leading source of insurance news for executives and risk managers. It covers news and analysis about the legislative, legal, and insurance market issues that affect todays’ businesses. They have a free, online, workers compensation page that address strategies for reducing workers compensation claims and claim costs, and promotes workplace safety ...
In today’s economy, some employees may feel compelled to turn in fraudulent workers compensation claims. In some cases there may exist an economic incentive for employees to try to get their non-work injury covered by workers compensation insurance. For example, if an employer does not offer health insurance benefits, the employee may feel that ...
Under certain circumstances in the USA, your company may not be responsible to pay workers compensation benefits to an employee who was injured on the job. These special circumstances vary from state to state, but generally these exceptions include: Work related injuries caused by a dangerous or defective machine, tool or piece of ...
Each year floods kill around 100 people and cause over four billion dollars in property damages. Here are two links to US government sites that have lots of great free data on floods and flood safety awareness – http://www.noaanews.noaa.gov/stories2006/s2601.htm http://tadd.weather.gov/tadd-resources.shtml – When buying safety products (or anything else) THANK YOU for using our links to Amazon.com ...
In the USA, if an employee is injured on the job, the injured employee will automatically receive pre-defined benefits that will pay for: medical bills, lost wages, permanent disabilities, and death benefits. Employers are required to carry workers compensation (WC) insurance to cover these expenses. The Insurance Information Institute has a detailed primer on WC that can be viewed here. ...
