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Workers' Compensation Insurance

You’re required by law to carry workers’ compensation insurance — but how do you optimize your coverage? By understanding the applicable regulations and identifying options that reduce your risk, you can meet your compliance requirements, lower your costs and still responsibly protect your employees.

Let’s work together to develop a customized and comprehensive workers’ compensation solution for your organization.

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What does workers' compensation insurance cover?

Workers’ compensation is required by law to protect you and your employees from costs and damages resulting from work-related injuries or illnesses. It provides for:
  • Medical care and lost wages for employees
  • Expenses related to claims and workplace-injury lawsuits
  • Services to help employees recover and return to work

Did you know?

$62B was spent by U.S. employers on workers' compensation claims in 2016.

 

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6 best practices to drive down workers' compensation claims and costs

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Screen employees before you hire

Hire only employees qualified for the demands of a given job. Have a third party perform physicals and functional capacity evaluations to assess prospective employees.

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Maintain the physical workplace

Make sure worksites are well maintained and regularly evaluated for hazards. Perform preventive maintenance where applicable.

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Provide the necessary tools for the job

Assess the required work, establish appropriate on-the-job rules, train employees to perform their tasks safely, and provide all necessary tools and protective equipment.

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Institute a twice-daily check-in

Require workers to check in with a supervisor at the beginning and end of the day, especially those who perform physically demanding jobs. The morning meeting might include a five-minute warm-up; in the evening, everyone could be required to sign a statement that says “I left the job healthy today.”

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Establish a return-to-work (RTW) program

Curb long-term workers’ compensation costs by bringing employees back to the office/project more quickly. Your RTW program could include part-time work, telecommuting, and modified work duties and schedules.

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Promote the physical and emotional health of employees

Consider instituting a program that promotes and rewards healthy lifestyle choices. Make sure your supervisors aren’t emphasizing production goals at the expense of safety.

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Real claim story:

A New Culture of Safety —
with Bottom-Line Benefits

Read our case study and learn how HUB helped one company create a new culture of safety that reduced its workers’ compensation claims and lowered its modification rates to 20% below average.

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Let’s assess your workers’ compensation exposures.

Together, we can build a comprehensive workers’ compensation solution that helps manage your risk — and reduce claims.

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