Small Business Insurance 101: Reduce Worker’s Comp Claims with a Workplace Safety Program

Besides preparing a detailed effective safety program at work, extra effort is needed to implement the program.

An effective accident prevention program is required to perform well for anyone at work. Therefore, it is advisable to train your managers and employees before implementing the workplace safety program.

You should ensure that all your employees are conversant with the equipment they work with, the various dangers involved in the operation, and how to prevent such risks to reduce worker’s compensation claims in small business insurance.

Things That Every Employer Should Know

Employees are not expected to undertake jobs without instructions on how to do them safely or haven’t been authorized to do so. It is also important not to carry out a task that appears unsafe without clear directions.

Employees should also combine their health and safety training depending on the potential hazards that the job has. An overall outcome is for employees to keep themselves safe and reduce worker’s compensation claims to small business insurance.

How to Properly Train Employees

Ask your private or state consultant to recommend the best safety training for your workplace; the consultant may also do some training while on the worksite. Trade periodicals, industry groups and other sources are ways to find additional training information. Ensure that all workers know every workplace hazard and how to protect themselves from such dangers.

In reducing worker’s compensation claims to small business insurance, pay attention to new workers because they are more prone to accidents while learning the new operations at work. Also, pay close attention to employees who might have personal problems. Also, ensure that all your supervisors are properly trained on hazards in your business and know how to reinforce training with freshers and quick reminders with disciplinary actions involved.

Document Your Workplace Safety Program

Documentation is important to the ongoing administration of your safety efforts and programs. Document all activities in every safety program element, including those legally required for compensation, small business insurance audits, and government inspections. It is also a smart idea to keep records of activities such as policy statements, health and safety meetings held, and medical arrangements put in place.

Proper documentation of workplace safety programs is also a clear demonstration of good business management and reduces any proposed penalties by small business insurance audits. It is also useful in reviewing the current health and safety measures to control business operations and make improvement plans.


In reducing the worker’s compensation claims for small business insurance, ensure that all your employees are aware of the hazards in your business and how to take risk control measures. Also, ensure that proper actions are undertaken to train employees on safety control measures, especially the newly employed workers.

Documentation of your safety program is also important as a demonstration of sound business management and reduction of proposed penalties by insurance audits, government inspection and as a legal document required for compensation. Documentation is also important in reviewing the current safety control measures and is necessary for implementing an improvement plan.

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