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April 2018

understanding your workers comp risk

Your Workers Comp Risk Might Be Higher Than You Think

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You might associate workers compensation risk with industries such as construction,  but that doesn’t exclude your business. In fact, every business in the world has some element of risk.

Here’s what you need to know about risk at your business and how workers compensation insurance can help.

Every Business Has Risk

Whether it’s an on-the-job injury or a work-related illness, there’s always a chance that your business will face a workers compensation issue. This is why almost every state requires businesses to carry  workers compensation insurance.

If you are in a physically demanding industry such as construction, manufacturing, agriculture, shipping, etc., it’s incredibly important to have workers compensation coverage in place. However, even office workers need this protection. It’s important to remember that office workers face issues such as repetitive motion injuries and illness caused by exposure to workplace toxins. Additionally, issues such as slips and falls, getting hit by a falling object, malfunctioning equipment, and so on can affect every business regardless of industry.

Reducing Risk

There are some precautions you can take to help you reduce your risk of a workers compensation issue. For instance, workplace health and safety training. This can ensure your employees are using the safest work practices and adhering to company safety protocol. Additionally, keeping your workplace safe and addressing potential hazards can lower your risk for employee injury. Having the right workers compensation insurance will help your business handle the other risks that you cannot completely eradicate, such as the risk of accident.

Watch out for the risk of employee injury and illness at your business.  Interested in getting the right workers compensation insurance to meet your needs?  Then contact the team at Contractors Insurance Agency.  Our dedicated team is ready to get you the coverage you need today.

Preventing Repetitive Stress Injuries, prevent repetitive stress injuries

Preventing Repetitive Stress Injuries

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Take steps to prevent repetitive stress injuries.

Repetitive strain injuries usually refer to injuries caused by continuous, repetitive movements.  These types of injuries can cost employers some serious money in workers compensation costs.  Luckily, there are steps that you can take to reduce your employees’ chances of developing these injuries.  Here are some of the steps you can take to prevent repetitive stress injuries.

Create Ergonomic Workstations

While many offices set up employee workstations to accommodate a wide range of employees, this efficiency is not good for the body.  Instead, workstations should be set up in a way that suits the individual employee.  For instance, the most frequently used desk equipment should remain in easy reach and monitors and keyboards should be placed at the appropriate height for workers.  Additionally, if your employees spend a long time at their desks, then you should make sure that their chairs offer the proper back and neck support.

Follow Safe Work Practices

You can also prevent stress injuries by encouraging your workers to employ safe working practices.  For instance, your employees should always have the right tools for the job they are trying to complete and they should also follow the proper protocol for doing things like lifting.  Additionally, if your employees often get stuck completing the same repetitive tasks, make sure that take frequent breaks or have the opportunity to take on different tasks.

Promote Personal Health

Finally, repetitive stress injuries are less common in people who are in good health.  This is why you should make an effort to encourage your employees to take better care of themselves.  Encourage them to eat well, get enough sleep, and exercise regularly.  This will also help them reduce their chances of sustaining a stress injury.

Take these steps to prevent repetitive stress injuries.  Want another way to take care of your employees?  Then make sure you have the right business insurance protections in place.  To get the coverage your business needs, contact us at Contractors Insurance Agency.  Our dedicated team is ready to assist you today.

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