The cost of an injured worker is far greater than what you pay for insurance when you consider the impact to productivity, other employees, and your future premiums. Workers’ compensation insurance only covers your direct costs, but a comprehensive workers’ compensation program can do so much more. The best programs proactively manage risk and include safety and return-to-work programs to mitigate risk and lower the cost in the long run.
Safer employees have fewer accidents which lead to lower costs. Our workers’ compensations programs are designed with your objectives, industry and exposures in mind, and place your employees’ safety as the number one concern. We help you identify ways to reduce incidents and put you in a position to respond quickly should an employee be injured or disabled.
When an accident does happen, we use a proactive claims management approach and focus on claims advocacy to positively impact and control costs. By managing the various aspects of a complicated claim from the start, we are able to get claims resolved quickly and effectively. Strong claims management paired with safety and return-to-work programs deliver cost saving strategies that allow you to manage your workers’ compensation plans.
While driving can be dangerous, there are many things employers can and should do to eliminate unnecessary injuries by reducing the factors within their control. In addition to having a comprehensive fleet safety program, employers can consider the following risk-management measures. Any efforts that reduce the risk of an accident are efforts worthy of your time. It is in everyone’s best interests for you to continuously evaluate ways to minimize these risks and protect people from unnecessary injury.
Introducing our 2020 MarketPulse trend report, where we discuss what our clients and other employers are doing to manage risks, promote employee productivity and morale, reduce costs and improve their organizations as a whole. This year's trend study report focuses on strategies employers can use to respond to the constant changes and challenges they face today including exploring cost-saving options to combat increasing healthcare costs, offering financial wellness and benefits strategies to address employees' personal financial challenges and improve engagement and productivity, implementing strategies to effectively manage workplace injuries and reduce the overall cost of claims and responding to the risk of business disruption and ever-evolving cybersecurity threats. In addition to a discussion of each trend, you will find supporting materials at AssociatedBRC.com/MarketPulse.
Download the PDF: MarketPulse 2020
The Americans with Disabilities Act (ADA), passed almost thirty years ago, was the first comprehensive federal law that addressed the needs of individuals with disabilities by prohibiting discrimination in employment, communications, public services and public accommodations. Modeled in large part after the Civil Rights Act of 1964, Title I of the ADA generally prohibited discrimination against employees with disabilities but also imposed additional obligations for employers to provide reasonable accommodations for their employees with disabilities.
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