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Try Out These Strategic Workers Compensation Tips

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As a business owner, you are responsible for the health and safety of your employees.  This includes reducing the threat of on-the-job injuries and illnesses and making sure that workers compensation insurance claims are handled quickly and correctly.  But how can you ensure that these needs are managed efficiently?  Here are some of the workers compensation tips you should employ at your business.

  • Name a Workers Compensation Management Coordinator

One way to manage your business’s workers compensation risks and ensure that any claims are effectively handled is  appointing a person to act as coordinator.

  • Remain in Contact with Injured Employees

If an employee is injured and is temporarily out of work, maintain open lines of communication with them.  Having regular conversations with injured employees helps identify emerging risks, keeps them updated with claim, and offers support to return to work quickly.  Remember, the faster your employee returns, the lower your company’s workers compensation costs will be.

  • Offer Incentives to Stay Safe and Healthy

While most employees do not go out of their way to sustain injuries or get sick, many workers fail to take care of their bodies.  Employees who are negligent with their health are more susceptible to injuries and illness. To reduce this risk, offer your employees extra incentives to take care of themselves.  For instance, free gym memberships and healthy foods and beverages can encourage employees to live healthier lifestyles.

These are some of the steps you can take to better manage your business’s workers compensation insurance risks and needs.  Do you have additional questions regarding your commercial coverage?  If so, contact the experts at Contractors Insurance Agency.  We are ready to assist you with all your business’s insurance needs today.

Employ These OSHA Endorsed Construction Health and Safety Tips

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Those in the construction industry know how dangerous their jobs can be.  However, there are certain steps you can take around your company to reduce the risk of a major health and safety issue taking place.  Here are some of the OSHA approved safety suggestions you should employ at your business.

Be a Leader

Job site safety begins with strong commitment from the top.  As the leader of your company, it is your responsibility to send a message that health and safety are major priorities at your business.  When your employees understand that you are committed to on-site safety, they will be more invested as well.

Encourage Worker Participation

Do your best to encourage worker participation in your company’s safety initiatives.  When it comes down to it, no one knows on-the-job risks better than the employees that have actually faced them.  Encourage your staff to speak up about their safety concerns and make sure that you actively pursue solutions that will reduce these risks.  Additionally, you should take employee suggestions very seriously.  When your staff realizes that you actually value their opinion, they will be much more likely to speak up about safety concerns in the future.  This collaborative relationship will help to create a culture of health and safety that everyone will benefit from.

Be Proactive

Finally, as a leader, you cannot simply sit back and react to safety issues when they arise.  Instead, you need to be proactive.  For instance, personally conduct safety inspections around your workplace to look for potential hazards.  By addressing these issues early on, you can prevent them from becoming major safety threats down the line.

These are some of the OSHA approved safety suggestions you should employ at your place of business.  Want another way to protect your employees while they are on the job?  Make sure you have the right workers compensation insurance in place.  For assistance with all your business’s coverage needs, contact the experts at Contractors Insurance Agency today.

How Carpenters Can Manage Their Risks, risk management strategies for carpenters

How Carpenters Can Manage Their Risks

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Due to the inherently physical nature of their work, carpenters are susceptible to a considerable amount of on-the-job risks. While having the right professional insurance is one way to protect yourself from the risks you face, there are other steps you can take to stay safe.

Learn more about these risk management strategies for carpenters.

  • Equipment Inspections

Carpenters rely heavily on their equipment to carry out their work. However, if your equipment and tools are not functioning properly, you are at greater risk for injury and damages. This is why, before you begin work for the day, you should conduct an in-depth inspection of all the equipment you will be using. Your inspection will not only ensure that you have the right equipment to complete the job, but will also ensure you stay safe while doing it.

  • Utilization of PPE

PPE, or personal protective equipment, is something that all carpenters should wear while on the job or on a construction site. PPE consists of things such as gloves, helmets, steel-toed boots, goggles, respirators, and so on. Donning the proper safety equipment will reduce your risk for sustaining an injury while completing your work. Additionally, because PPE is enforced by OSHA, using the proper protective equipment will also help you avoid sanctions and fines.

  • Updated Training

The construction world is evolving rapidly as new techniques and technologies are being introduced. These changes also occur within the field of carpentry. To ensure that you are safely using new equipment and properly administering new techniques, it’s important that you receive professional training. While this may seem tedious, keeping up to date with this growing body of professional knowledge will help you stay safe, as well as improve your marketability in the field.

These are some of the most important risk management strategies for carpenters. Want another way to protect yourself? Make sure you have the right commercial coverages in place. For assistance with all your professional insurance needs, contact the experts at Contractors Insurance Agency today.

workers compensation and volunteers

Are Volunteers Covered Under Workers Comp Insurance?

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Volunteers are a wonderful asset that many businesses and organizations like to tap into. However, any volunteer that works at your place of business opens themselves up to potential on-the-job injuries. This begs the question: Does workers compensation insurance extend to volunteers?

Here’s what you need to know about coverage for injuries in your workplace.

Volunteers are not paid employees of your company so most states specify that they are not covered under workers compensation insurance. Even if you add a voluntary compensation endorsement onto your workers comp policy, this extra coverage will only apply to employees not covered under standard workers comp insurance.

For instance, this endorsement will offer coverage for paid workers, such as employees who are traveling overseas, domestic or farm workers, and so on. So, despite the misleading name, even a voluntary compensation endorsement will not extend coverage to your volunteers.

How can I secure coverage for my volunteers?

This comes down to your state’s laws.  When speaking to an agent, ask the following questions:

  • Where in my policy can I find who is covered under my workers compensation and the limitations?
  • What options do I have for adding workers comp coverage for volunteers?

If you cannot afford to offer coverage to your volunteers, then your business should only work with volunteers who have coverage through other means. For instance, many volunteers have personal coverage options or are insured through a different management company. If your company is unable to offer coverage, all volunteers should sign waivers that explain your inability to provide coverage.

Interested in speaking to an insurance professional regarding the limits of your workers compensation insurance? If so, contact the experts at Contractors Insurance Agency. Our dedicated team is ready to offer you the advice and assistance you need today.

cyber security risk for contractors

Top 3 Cyber Security Threats Your Company Faces

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For a contractor, the physical risks that your company faces might seem more pressing than cyber security threats. Unfortunately, in the modern era, no industry is safe from the damage of a major cyber attack. This is why contractors need to be vigilant and take steps to protect their company’s sensitive information. For instance, having the right business insurance to protect against cyber liability risks is a great place to start. But what risks are contractors most vulnerable to?

Here are the top three cyber security threats contractors need to watch out for.

  • Phishing Schemes

Phishing scams use seemingly legitimate email messages to trap unsuspecting victims. A cyber criminal might send you a message that appears to come from a legitimate source, such as your bank. The email might include a link that redirects you to a fake site that prompts you to input login information. Hackers can use this info to infiltrate your sensitive online information. Information that can be compromised includes personal financial information, customer payment information, and other private company data.

Read over emails carefully before clicking on any links. Oftentimes, phishing emails will contain small typos or wording that seems a little off.

Verify the legitimacy of an email by checking up with the person or institution the email says it is from.

  • Malware

“Malicious software” includes things like spyware, viruses, and ransomware. Malware can install itself onto your computer. This happens after you click on a fake link, open an email attachment, or download something from a compromised website. Once this software is installed on your computer, it can extract sensitive company and customer information. To prevent this risk, have anti-virus software installed on all company devices and be sure no one is clicking on suspicious websites, emails, or links.

  • POS and Mobile Payment Attacks

If you use POS (point-of-sale) terminals to accept payments, your company faces the risk of attack. Should a hacker gain access to your payment terminal or mobile card reader, they have easy access to all customer payment information that goes through it. The best way to prevent such an attack is by using a strong password on your POS system and updating it frequently. Your business should also be using the chip-reader system rather than traditional magnetic strip card readers.

These are three of the most common cyber risks that contractors face. Remember, you can protect your business against these threats by having the right business insurance in place. For assistance with all your commercial coverage needs, contact the experts at Contractors Insurance Agency today.

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