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Workers' Compensation Coverage


What To Do When An Accident Happens

Avoiding Future Accidents

Accident frequency, not severity, is what drives up insurance costs. Employers should evaluate every accident, particularly the smaller, more frequent ones, to determine how to avoid them in the future.

Ideally, the time to work on preventing accidents is before they occur. If safety rules and equipment are not enforced or used or worse yet, nonexistent, a careless attitude toward safety will surely develop.

Developing a safety culture is an important aspect to reducing or avoiding altogether lost-time accidents. Following these rules consistently and reminding employees of them on a regular basis, is a strong step toward that goal:

  • Remind employees of the rules and encourage them to make suggestions regarding safety.
  • Educate new employees about the safety program and requirements of the job. Knowing how to do the job the right way, whether it is heavy lifting or work at a keyboard, can eliminate some of the common workplace injuries, repetitive strain and low back injuries.
  • Keep records of training and safety meetings.
  • Make the use of safety equipment second nature. Make ample use of reminders and incentives to encourage the correct use of the equipment.
  • Interview employees after each injury to determine not only the facts, but if the injury could have been avoided.
  • Collect physical evidence such as equipment logs and photographs of the location where the injury occurred.
  • Learn from these accidents. Once a problem area has been identified and analyzed, steps can be taken to eliminate hazards. Ergonomics, better lighting, improved ventilation, machine guarding or a change in process may be all that is necessary.