Lifting claims are one of the most common worker compensation claims and potentially the most severe. One bad lifting claim that requires back surgery could easily cost $50,000 or more plus lost time wages. Proper lifting techniques are not just about bending your knees, it’s an entire process that should be detailed in writing from start to finish. First, work to eliminate as much manual lifting as possible. Let machines do the lifting, not humans. If you are a healthcare provider use mechanical lifts for patient transfers. When manual lifting is absolutely required have detailed written guidelines on when, where and how to lift. Provide frequent refresher training on the lifting procedures. Find a local physical therapist who can help you understand the proper body mechanics of lifting and help you put it in writing.
A large nursing home chain insured with another agent with an insolvent insurance company. Losses exceeded the annual premium by a wide margin. We helped the management team identify the key issues driving their losses and found a new workers’ comp insurance carrier saving them 25% annually on their premiums. We also helped them file and track workers’ comp claims from the previous insolvent insurance company with the state guaranty fund until all the claims were closed.
A business owner with 200 employees called in a panic. He received a notice of non-renewal from his current workers compensation insurance company and his agent could not find another quote for him. His coverage was set to expire the next day. We found an insurance company and bound workers comp coverage the same day.
A home health provider with 100 employees was incurring large work comp claims with their field staff. We identified the issue creating the losses and helped them change their procedures to fix the problem. Losses dropped over 70% the following year.
A solo consulting engineer needed insurance to secure a contract with a new client. We provided the coverage required to satisfy the agreement quoted and bound in two days.
A business owner had a large disputed audit balance due to a previous workers compensation company through another agent. The discussions with the insurance company and the previous agent had broken down and the business owner had hired an attorney to litigate the issue. With the owners help we were able to resolve the audit dispute without a lawsuit.
In the winter months parking lots are dangerous places and severe injuries can occur from slips and falls on unseen ice.
Its dark out so you can’t see the ice and even in daylight black ice is difficult to spot. It’s cold so you want to get your car as fast as possible increasing the odds you might slip and fall because your not as careful as you should be.
For business owners, salt early and often. Bring snow crews in early to push snow off of sidewalks and parking lots and then salt generously.
Make sure parking lots are well lit.
Take a minute to prepare mentally before you go outside on slippery pavement. Change shoes to slip resistant footwear. Stay low and be prepared to fall. If you need to carry a large or bulky item go get your car first and drive back to the entrance to load your items.
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