Employers Must Assess workplace to identify hazards to eyes and face. Provide sanitary, reliable, undamaged eye and face PPE that protects against identified hazards and meets ANSI standards. Inform employees about available PPE and ensure that each individual is fitted properly. Train employees to know: When to use eye and face protection. What PPE to… read more
Vehicle-mounted Personnel Devices have Three Main Hazards Obviously, the first is falling from the basket. Second, an overloaded basket can cause the vehicle to tip over. Third, contact with overhead power lines is a deadly hazard. Workers on the ground are in danger of items falling from the basket. Always Know the Load Capacity and… read more
There are many ways to reduce ergonomic risk factors and help fit the workplace to the worker. Solutions can be grouped into three main categories: eliminate the hazard, improve work policies and procedures, and provide personal protective equipment. Often the best solution involves a combination of approaches. Eliminate the Hazard The most effective way to… read more
Focusing on Loss Control is the Best Way to Save WC Premium Dollars!
Taking the time to understand the drivers behind your workers’ compensation costs and making a long-term commitment to a comprehensive loss control program
designed to control those drivers is the best method for reducing your WC premium....
Don’t Be a ‘Fall Guy’ Falls hurt—and worse: They can disable or kill. Falling injuries occur in every industry, but they can be prevented or reduced in severity by the worker who is alert. Remember, falls will cost not only your employer, but you and your family. They can cost you pain, time spent at… read more
Is lifting part of your job routine? If so, then every day you risk injury from strains, sprains, hernias, cuts, and bruises. All it takes is one wrong move to injure yourself. Thousands of on-the-job injuries are related to improper body movement in lifting procedures. You can prevent injury by learning proper lifting techniques. A… read more
Several OSHA standards require that an emergency eyewash or eyewash and shower be provided whenever employees are exposed to corrosive materials. Eyewash and Shower Requirements Eyewashes and showers should be in compliance with ANSI Z358.1-2004. Construction, installation and location of the eyewash or eyewash and shower should meet the ANSI requirements. A checklist of the… read more
Don’t Blink! Dealing with Distractions in Safety-critical Operations The classic example of a distraction leading to a fatal error in a safety-critical situation is the teenage driver who crosses the center line on the road while texting and kills herself or someone else. But driving isn’t the only safety-critical situation, and text messages aren’t the… read more
Heat stress is an illness that results from too much heat exposure on hot jobs. This illness may include heat exhaustion (headaches, nausea, or dizziness) or heat cramps (cramping in the muscles). If unrecognized and untreated, heat stress can lead to heat stroke, which can be fatal. What are Hot Jobs? Hot jobs have hot… read more
Slipping and Sliding Means Accidents and Injuries Unless they’re ice skating or skiing, you don’t want your employees to be slipping and sliding-especially around your workplace. Weather-related slips and falls become a serious hazard as winter conditions often make for wet or icy surfaces outdoors. Even wet leaves or mud can create treacherous walking conditions…. read more
Breaking News from NSC: OSHA Announces Top 10 Violations for FY 2015 At the 2015 NSC Congress & Expo, OSHA announced the preliminary Top 10 most frequently cited workplace safety violations for fiscal year (FY) 2015. Patrick Kapust, deputy director of OSHA’s Directorate of Enforcement Programs, presented the Top 10 on the Expo floor. “In… read more
If you must use a ladder, use one that has a safety platform with handrail barricades on the sides (e.g., a platform stepladder). Whenever you use a ladder or a stepladder, take note of the safety advice in this guide. Stop Falls with these Top Ladder Safety Tips Use the right ladder for the job…. read more
Good safety practices help protect you and your coworkers from injury or illness on the job. Because of that, we take safety very seriously here—and that means that you should consider working safely an important part of your job responsibilities. Know the hazards of your job. Always follow safety rules and procedures. Use all personal… read more
Prevent Future Accidents! A Good Accident Investigation: Takes place immediately after the accident Determines the facts—what happened Determines the causes—why it happened Recommends corrections and changes to prevent future accidents. Here’s How You Can Help Accident Investigations: Report all accidents regardless of whether anyone was injured or how minor injuries were. All accidents, not just… read more
Stress may not always be visible, but its effects on injured employees and your bottom line are real enough to warrant a closer look. Stress can affect anyone at any time, but workers with an existing injury are particularly vulnerable. Beyond anxiety and fatigue, stress can extend healing time for injured workers and exacerbate physical… read more
Distractions are everywhere, but it’s the glowing screens in our pockets that are fast becoming our favorite distraction in the workplace. In a recent survey of 1,000 workers by Virgin Pulse, researchers found that 45 percent of respondents were distracted by email, texts and social media. Distracted driving leads the pack for causes of automobile accidents,… read more
Winter Workplace Safety Winter in Michigan nearly always means snow, ice and plenty of slick floors and surfaces. With slip and fall accidents nearly topping the top 10 workplace injuries, making sure you’re taking steps for safety can help make the winter months go by without a hitch. Keep employees from work-related driving on public… read more
We know that you’re well on your way to making good on your New Year resolutions, but we have a few that you may want to add to your list. Below are three simple tips to help you kick-off the New Year with safety and savings in mind. Commit early to best practices: The New… read more
As we previously reported, OSHA is implementing new reporting requirements that will go into effect on January 1. Today OSHA provides us with a video that highlights the important details you should know to keep your company compliant.
According to Doug Kalinowski, OSHA’s Director of Cooperative and State Programs, employers can expect to see a return of $6 for every dollar they invest in safety and health programs. With substantial savings like this, it truly validates the idiom “Good safety is good business.” Direct savings to companies that train their employees on the… read more
Quick quiz: What’s the best method to shave costs related to workers’ compensation? Hop to a new carrier? Or, digging in to a comprehensive loss control program? For some, the end of the year brings an array of low-premium workers compensation offers that promise big up-front savings. But here’s what they’re not telling you: Real… read more
Learning from the best has its rewards. Risk and Insurance magazine recently announced their 2014 honorees – companies that used innovation and brass tack know-how to reduce claims, prevent injury and improve their bottom line – and there’s plenty to learn from their successes. The biggest lesson? Programs and efforts that can help make your… read more
The U.S. Occupational Safety and Health Administration (OSHA) has updated its list of top 10 violations for 2014. While the list contenders don’t change often, the one thing that they all have in common is they’re preventable – with a little planning and foresight. Here are some of this year’s top violations and ways to… read more
Most incidents of workplace violence don’t lead to headlines, but assaults, threats, verbal abuse and harassment in the workplace are becoming significant reason for concern. In 2012, one in every five fatal work injuries was attributed to workplace violence, not accidents, according to a recent Worker’s Compensation article. Some employees are at higher risk for… read more
Going into effect on January 1, OSHA is rolling out new rules for reporting any work-related injury or fatality. The new rules will mandate that any work-related inpatient hospitalization, amputation, or loss of eye must be documented and reported to OSHA. It’s a significant shift from the old rule, which only required that employers report… read more
Imagine you’ve just walked into your workplace. Your employees are actively in production. Everything seems to be in its usual working order. A compliance officer comes in and orders an inspection. They find multiple areas that are worthy of a sanction. How did you miss that? How were you not prepared for an inspection of… read more
According to the Center for Disease Control and Prevention, an estimated 1 in 10 adults in the U.S. suffer from depression. It’s the leading cause of medical disability for people aged 14 to 44 and costs about $83 billion annually nationwide in lost productivity and increased medical expenses. And unlike other injuries or illnesses, depression… read more
Companies have been fined hundreds of thousands of dollars for failing to protect temporary workers in the last year. In most cases, the fines may have been preventable had a few guidelines been followed. Three steps you can take today include: The Occupational Safety & Health Administration’s considers the safety of a temporary worker the… read more
Consider this scenario: Joe works in the body shop for a Michigan auto dealer. Unfortunately, an unexpected family emergency caused Joe to rack up significant debt, and look for extra cash to pay his monthly bills. On top of this, Joe strains his back on the job and needs to go to a doctor. Joe’s… read more
As the summer months bring sweltering temperatures, heat stress becomes a greater risk. Heat stress can be combatted with simple, but key steps. And with indoor temperatures sometimes climbing two to three times that of those outdoors – a brief reminder of how to spot overheating employees may be in order. Tips to help your… read more
Companies that integrate safety practices into their daily workplace routines and culture have fewer accidents in the workplace than those that simply comply with regulations and safety policy, according to officials from the Occupational Safety and Health Administration in a recent report in Business Insurance magazine. Even workers who wear protective gear and complying to… read more
Chances are that if one of your employees suffered back pain from a workplace injury, he or she was treated with a prescription painkiller, most of which are opioids. A May 2013 report in Insurance Journal points out that about 42 percent of workers with back injuries were prescribed opioids in the first year after… read more
Last year the federal government announced the good news: Workplace injuries dropped by an impressive 31 percent over the past decade. Mitigating this news was the doubling of federal and state court cases from about 50 to 100 in 2012 regarding retaliation for workers compensation claims, according to a story last year in the Wall… read more
The National Safety Council recently released its 2014 edition of Injury Facts – a compendium of the most current state and international injury statistics and their costs. We’ve highlighted five facts and why you may wish to find out more. Poisonings – including those from unintentional prescription pain killer overdoses – were the leading cause… read more
Those spring cleanup items or home fixes you may have an employee do during downtimes at the store could leave you vulnerable to employer liability risks and workers’ comp claims in the event of an injury. According to the ‘Special Errand Exception’, an employer may be held liable for injuries due to a negligent act… read more
It can happen in a second. An employee lifts a box of supplies the wrong way and now he or she is out of work for several months. While we do our best to ensure employees are working in a safe environment, accidents happen. What happens after that accident, however, may determine just how expensive… read more
Michigan’s Occupational Safety and Health Administration (MIOSHA) announced a five-year strategic plan that emphasizes a double-digit reduction in injury and illness rates, and outreach activities through 2018. The statewide plan comes on the heels of the federal agency’s budget expansion and plans for stricter enforcement. Mounting anecdotal evidence supports an uptick in MIOSHA inspections. But… read more
MADSIF’s Risk Management Staff has noted an increase in MIOSHA inspection activities at Michigan Dealerships – an uptick that shouldn’t be taken lightly. Some examples of citations and the approximate associated fines are listed below: Annual Lift Inspections $3500 Safety Glasses … read more
Polar vortex or no, the deepest weeks of a brutal winter can leave anyone feeling lethargic. And that’s not even including the colds and flus afflicting nearly everyone you know. A little preventive work around the winter blahs can save some serious green come Spring. Workplace absences cost employers more than $40 billion a year… read more
‘Tis the season to make resolutions. Ways to cut waste and improve your business likely figure highly on the list. But if you’re wondering where to start, we’ve got five suggestions on how you can kick the New Year off with safety, wellness and loss prevention in clear sight. Trust us, these are resolutions you… read more
We at MADSIF wish you a warm and bright holiday, and a Happy New Year! But even during the holidays, we just wouldn’t be ourselves if we didn’t obsess a little over safety and risk prevention. So we’ve listed our Top Five Ways to Enjoy a Safe and Happy Holiday Season: Watch slippery surfaces: We… read more
Slip and fall accidents perennially rank in the top three causes of workplace injuries and claims. Here are four ways you can prevent them from affecting your workplace and your bottom line: 1. Always wear appropriate footwear You wouldn’t wear ice skates on a football field, so just like athletes remember to wear appropriate attire,… read more
Proper footwear on the shop or sales floor typically fall far down the list of concerns in the workplace. But paying attention to what’s on your employee’s feet can actually save you significant dollars. Slip and fall accidents rack up about $1.8 billion in workers compensation claims a year nationwide, and are the leading cause… read more
As construction season comes to an end and the climate begins to change, it is important to remember that car accidents top the list of workers’ compensation fatalities on the job, with distracted driving leading the pack for causes of accidents. Accidents in which an employee is seriously injured or killed can be extremely… read more
We’ve all done it: try to strike a better work/life balance by sleeping less and eking by on more coffee breaks through the day. But when your employees show up to work tired, it can end up costing you more than lost productivity – it can also affect your bottom line. Research from Clockwork Consultants,… read more
The American Medical Association’s decision to reclassify obesity as a treatable disease could affect employers, according to a new report. Obesity has historically been dealt with as a co-morbidity issue – or an issue that co-exists but is independent of the reason for treatment. Medical providers have typically noted only those conditions that they are… read more
Employees returning to work following an injury may find that their treatment regimen contains a risk of its own. According to the Workers Compensation Research Institute, nearly 80 percent of injured workers receive at least one opioid prescription following an injury. In some states, as many as one in six workers end up using addictive… read more
If your team is racking up safety violations, chances are they’re also racking up preventable claims that can affect your bottom line. Saving employees from injury, and premium dollars besides, may be as easy as dusting off your safety policy and making regular safety reviews a regular part of your work schedule. According to a… read more
For National Safety Month, the National Safety Council encouraged organizations to become more involved at educating and influencing behaviors in the workplace that can prevent injuries or death. As a result, the NSA provided a weekly plan to help raise awareness and reduce unnecessary claims. By setting aside 30-45 minutes a week with your employees… read more
Businesses lose millions each year on workplace injuries or fatalities that likely could have been prevented. According to recent research from Liberty Mutual’s Research Institute for Safety, the five leading causes of workplace injuries drive nearly three-quarters of the nation’s direct workers compensation costs, well below the costs of preventive training. The top 5 preventable… read more
Most employees return to work after recovering from an injury. But a little planning beforehand can ensure that they come back safely, productively and even help you minimize workers’ compensation costs. Returning to work has far-reaching benefits for employees and employers alike.Employee morale improves and productivity goes up; money to replace and train a new… read more
So-called soft skills can save you hard dollars when it comes to workers’ compensation insurance. Soft skills describe communication and interpersonal skills that help to build relationships with others, and they offer surprising benefits when it comes to lowering your insurance costs. The top five things you can do to flex “soft” skills with an… read more
Hard to believe, but we’re just weeks away from higher temperatures. Employees who work in service, parts or body shop departments that aren’t air conditioned or are poorly ventilated can really feel the heat – sometimes 100 degrees F or higher with more than 70 percent humidity. Temperatures that high can result in heat stress,… read more
April is National Distracted Driving Awareness Month – and with good reason. Motor vehicle accidents top the list of workers’ compensation deaths on the job. The top cause of car accidents? Driver distraction. There’s an incalculable cost to families, friends and coworkers when someone is lost or seriously injured by distracted driving. There also is… read more
Whether you sport an iPhone or a Droid, the smartphone you carry with you every day could help you lower your workers’ compensation insurance costs and boost the overall health of your team. Here’s five ways that your smart phone could help your bottom line: Record accident sites soon after they happen: Once an injured… read more
Early return-to-work (RTW) programs do improve employee morale and can promote faster healing – but they also save workers’ comp dollars. Early RTW programs reduces medical and indemnity payments. Lower payments have a positive impace on the MOD factor, which reduces future premiums for several years in the future. They also save the cost of… read more
Even if fraudulent claims are few and far between, they can raise your costs by impacting your MOD factor and premiums. Another impact? They can make it more difficult for legitimate claimants to cllect benefits because of increased anti-fraud measures implemented by insurance companies. The National Insurance Crime Bureau’s list of red flags can help… read more
At least one goal of workers compensation plans is to provide necessary medical care to workers injured on the job. In many occasions, however, disputes that lead to litigation during the benefit delivery process add complexity and expense – expense that could be avoided by tending to your relationship with your employees, says new research… read more
Taking the time to understand the drivers behind your workers’ compensation costs and making a long-term commitment to a comprehensive loss control program designed to control those drivers is the best method for reducing your WC premium. Shopping carriers may bring short-term premium reductions, but unless the true issues behind your workers comp costs are… read more
Chronic pain is a growing aspect of workers compensation claims – a trend that’s best treated with a healthy dose of prevention. Chronic pain affects as many as 116 million U.S. residents, according to the Institute of Medicine, leading to a staggering $635 billion a year in medical treatment and lost productivity. And while chronic… read more
On average, Michigan workers tend to trend older than other states. But that may not be affecting your workers compensation claims in the ways that you think. “Overall, the findings can be viewed as reassuring,” a new report from the National Council on Compensation Insurance states, “in that an aging workforce appears to have a… read more
A change in the Michigan Workers’ Compensation law pertaining to whether your company would be considered an independent contractor’s employer and liable for his/her workers’ compensation benefits could make you vulnerable to unexpected costs. Here’s what you need to know to navigate the new law:
Workers’ compensation costs may be an unavoidable cost of doing business, but it’s a cost that’s more controllable than you might think.
A healthy portion of your insurance costs rely on your experience modification factor, or MOD factor. That factor formulates how likely it is that there will be injury claims and assesses premium accordingly – the higher the risk, the higher your MOD factor and the higher your insurance costs are likely to be.
Here are six things you can do to make your MOD factor (and your insurance costs) as low as possible:
Employers often use post-offer pre-employment drug tests when hiring new employees as a method to ensure that the employees they hire are not using drugs and bringing the problems associated with drug use to the work environment. However, many employers hesitate to test employees after they are hired because of the risk of litigation for failure to accommodate, discrimination or retaliation, among other claims, under the American’s with Disabilities Act. A clear drug-free work policy that’s consistently and uniformly applied can not only help maintain a safe workplace, but provide benefits that outweigh any risks....
According to the National Safety Council there are 9 million disabling slip and fall injuries every year. These injuries result in more than 9000 deaths per year and account for 95 million lost workdays per year at a rate of about $3.5 million per hour every day of the year. Reducing the number of slip and falls represents a significant opportunity to insurers and employers for reducing their costs through injury prevention.
With workers’ compensation costs on the rise, one of the best ways to control costs is to prevent workplace injuries before they occur. Such prevention starts at the hiring stage. Although unqualified employees or those who abuse drugs may be more prone to injury than others, employers hesitate to make certain inquiries that would help reveal these risks in fear of legal consequences. Michigan and federal law limit the type of information employers may obtain, especially with regard to an applicant’s disability.
However, employers may still take several steps at the hiring stage. Specifically, employers should prepare written job descriptions describing the essential job functions.
MADSIF: Dealers Working for Dealers