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Tips for a safe work environment

Workplace safety is not something only construction and manufacturing businesses need to think about. Businesses and employees from all industries should be mindful of it.

Let’s discuss ways to create a safe work environment and potentially decrease workplace accidents.

Work with a safety manager or loss control consultant.

A safety manager understands what is required to keep everyone safe. They are employed by your company and work with employees to develop and implement safety plans, enforce policies and evaluate practices. If your company does not have a dedicated safety manager, a third-party loss control consultant can also assist with safety policies and procedures. Loss control consultants are similar to safety managers, but are not members of your staff. They work with you to understand your operations and look for gaps to provide more information, resources and safety solutions for your business. They also assist with safety trainings and meetings.

A loss control consultant also assists with the following safety procedures. 

• Health hazard controls

• Ergonomic assessments

• Hazard assessments

• Personal protective equipment (PPE) assessment

Consider a workers compensation policy.

Workers compensation insurance covers employees for work-related injuries, illness or death. This coverage protects employees by paying covered medical bills and lost income if they are unable to work. In addition, if an accidental death occurs, workers compensation can help cover funeral expenses and other related expenses that might otherwise be a financial burden to their family.

What can be covered in a workers compensation policy?

As far as who is covered, that would be the employer themselves and their employees. Sometimes employers are excluded on policies, but they can elect to be covered. It can even cover employees who are injured at home if what they were doing at the time was related to their work. As far as what is covered, workers compensation provides coverage for income benefits, medical benefits, death benefits and burial benefits.

What is not covered in a workers compensation policy?

Workers compensation does not cover things such as employer negligence. So, if an employer knew something in the workplace was hazardous and tried to cover it up or didn't try to fix it and an employee got injured, that would not be covered under workers compensation.

Continue reading at Auto-Owners Insurance, here.


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