Monthly Archives: June 2013

11 BEHAVIOR-BASED PROGRAMS IMPROVE WORKER SAFETY

Safety programs based on changing employee behavior can help companies reduce the rate of accidents in the workplace – while slashing the frequency and severity of Workers Compensation Claims. That’s the word from behavioral psychologist Daniel J. Moran, Senior Vice President of Quality Safety Edge (Joliet, IL), at a recent joint meeting of the Risk… Read more »

FIGHTING FATIGUE IN THE WORKPLACE

America is a tired country. About 20% of us average less than six hours of sleep a night, and the percentage of those who sleep eight hours or more keeps declining. The problem is worse for the ever-increasing number of employees who work nontraditional schedules. According to one nationwide study, 44% of shift workers are… Read more »

THINK TWICE BEFORE YOU TURN DOWN WORKERS COMP

Most states allow company owners and executives to opt out of (or not opt in to) Workers Compensation insurance. But did you know that if you choose this option your Health insurance policy might well not pick up work-related medical claims? If you carry Health coverage through your company Group plan, you can usually arrange… Read more »

MANAGING SAFETY FOR AN AGING WORKFORCE

Nearly one of four people aged 64 to 75 are still at work – and the number is skyrocketing, with more Baby Boomers who reach retirement age staying in the workplace. The good news: Older workers have a lower injury rate. The bad news: Their injuries tend to be more serious and require more time… Read more »

SAFETY: NOT FOR EMPLOYEES ONLY

In addition to providing a safe environment and workplace for employees, your business has a legal obligation to protect the safety of the public on your premises. This all-encompassing term usually includes customers, delivery persons, subcontractors, anyone defined as “”handicapped” under the Americans With Disability Act, infants and children – and even trespassers and robbers…. Read more »

MANAGING LITIGATION RISK: WHY MEDIATION WORKS

Ambrose Bierce’s Devil’s Dictionary defines “litigation” as “a machine that you go into as a pig and come out of as a sausage.” Although litigation is often distasteful, it’s a reality of doing business – and a source of risk that can range from bothersome to devastating. Mediation helps manage this risk by providing some… Read more »

CURB CAMERA PHONE USE IN THE WORKPLACE

More and more companies are restricting employee use of personal cell phone cameras on the job for fear that these ubiquitous devices might create legal headaches, lead to job-related claims, and/or compromise company trade secrets. For example, employees might take inappropriate photos or videos of co-workers without their permission, leading to accusations of sexual harassment… Read more »

ALTERNATIVE RISK FINANCING: NOT JUST FOR THE BIG GUYS

Unfortunately, many small businesses ignore business continuity planning – perhaps because this seems so simple that they just don’t need to do it. Here are five basic (and cost-effective) steps you need to take before disaster strikes: Define who’s in charge. Because you might be unavailable after a disaster – injured, ill, on vacation, etc…. Read more »

VISION AND DENTAL CARE BENEFIT YOU – AND YOUR EMPLOYEES

Voluntary Vision and Dental insurance is becoming increasingly popular among mid-sized companies as a way to bolster their employee benefits programs. Since passage of the Affordable Care Act in 2010, benefit providers have been adding Vision and Dental care, giving mid-market companies a variety of choices among competitively priced plans that can help attract and… Read more »