Strategies for Minimizing Workplace Accident Claims and Related Expenses Among Businesses
Lowering workplace injuries and related expenses calls for a strategic mix of safety training, technology, ergonomic improvements, and smart claims management.
Tackle workplace injuries as a major business issue by increasing premiums, reduced productivity, legal liabilities, and harm to your company's reputation. The U.S. Bureau of Labor Statistics (BLS) found 2.6 million nonfatal workplace injuries in 2021 alone.
Businesses can actively reduce injuries, cut claim costs, and build a safer working environment with these strategies:
- Safety Training Galore:
Invest in a well-prepared workforce, less likely to sustain injuries, and witness fewer claims with lower costs. Strategies here include: - OSHA-compliant training: Ensure all employees receive Occupational Safety and Health Administration (OSHA) training applicable to their sector. - Chemical hazard communication: Comply with OSHA's Hazard Communication Standard (29 CFR 1910.1200), educating workers regarding hazardous chemicals in their workplace. - Task-specific training: Provide specialized training for high-risk jobs, like operating heavy machinery or handling hazardous materials. - Emergency preparedness: Perform fire drills, active shooter training, and first aid/CPR training to ready employees for emergencies. - Continuous learning: Regularly update training to reflect new safety rules and workplace adjustments.
- Occupational Health Matters:
Target long-term health risks associated with occupational illnesses, including asbestos exposure causing mesothelioma, asbestosis, and lung cancer. This is especially relevant for military veterans, particularly those who served in shipyards, engine rooms, construction, or vehicle maintenance, with high exposure risks. Address asbestos-related health risks by: - Identifying and Safe Removal: Securely remove asbestos from older buildings, machinery, and gear. - Protective gear and training: Offer protective gear and training to workers dealing with asbestos-containing materials. - OSHA and EPA compliance: Stick to OSHA and EPA asbestos regulations to prevent exposure in the workplace.
For veterans dealing with asbestos-related diseases, they might be eligible for VA benefits, including healthcare and legal claims, to help cover medical expenses and lost wages. Spreading awareness about these options ensures affected employees and veterans obtain the care they deserve.
- Implement a Comprehensive Workplace Safety Program:
A well-organized workplace safety program aids in accident prevention and reduced workers' compensation claims. Through regular safety inspections, risk assessments, clear written safety protocols, and an open hazard reporting system, you create a safer working environment. Regularly inspect and replace personal protective equipment (PPE), fire extinguishers, and first aid kits.
- Leverage Technology for Safety:
Technological advancements in workplace safety have revolutionized protecting employees and staying compliant with safety rules. Employ AI-powered cameras to identify unsafe practices like not wearing PPE, using improper lifting techniques, and more. Wearable tech like smart sensors in helmets, vests, or wristbands can monitor employee fatigue, posture, and exposure. Utilize automated machinery to handle dangerous tasks, minimizing injury risks.
- Enhance Workplace Ergonomics:
Poor ergonomics can lead to musculoskeletal disorders, chronic pain, and repetitive strain injuries, resulting in expensive workers' compensation claims. Implement the following adjustments: - Adjustable workstations: Supply sit-stand desks, ergonomic chairs to reduce strain. - Proper lifting techniques: Educate employees on safe lifting practices and suggest using mechanical lifting aids for heavy objects. - Frequent breaks: Encourage micro-breaks to prevent fatigue and injury from prolonged repetitive tasks.
- Offer Incentives for Safety:
Encourage safe behaviors and compliance with safety regulations through incentives. Safety bonuses for accident-free periods, recognition, and gamification like quizzes and contests, foster a safety-first culture. Ensure your incentives reward safe practices instead of discouraging injury reporting to build a workplace where safety is valued and consistently practiced.
- To further promote employee health and wellness in the workplace, companies should prioritize offering OSHA-compliant training for their workforce, focusing on hazard communication, task-specific training, emergency preparedness, and continuous learning to prevent workplace injuries.
- In line with the importance of science and health-and-wellness, businesses should also pay attention to occupational health matters, such as asbestos-related risks, and implement measures like secure asbestos removal, protective gear training, and OSHA and EPA compliance to protect workers and comply with regulations.
