Managing THE RISKS TO YOUR EMPLOYEES
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There are a lot of potential hazards your employees can encounter in the course of working for your business, from slippery floors and heavy lifting to undetectable chemicals and repetitive stress. To ensure that your employees remain healthy and productive, you need to be aware of these hazards and guard against them. Risk management in this context means careful monitoring and attention to detail by management, supervisors and workers. Special measures can then be taken to help reduce and even eliminate workers' compensation risk.
Hiring an ergonomist to evaluate any manual processes in your business can pay off by lowering the possibility of injury as well as by increasing the efficiency of the operation. Often, ergonomics programs focus on:
- job redesign
- reduction of loads
- getting things off the floor
- improving workstations
- job rotation
- new equipment
- automation
- encouraging employees to move and stretch to relieve tired muscles
Of course, risk management does not always mean risk elimination; workplace injuries can—and will—still happen. When a worker is injured:
- work with your medical provider to bring employees back to work as soon as possible;
- identify alternate or modified work to accommodate the injury while it is healing; and
- maintain communications with the injured worker so he or she can continue to identify with the workplace.
USAA is acting as an agent through its insurance agency affiliate, USAA General Agency, Inc. or USAA Insurance Agency, Inc. The USAA Business Insurance Program offered through the agency affiliate is available only to persons eligible for USAA membership. The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All insurance applications are subject to underwriting to determine acceptability. Product availability and coverage may vary by state. Insurance descriptions are general in nature. Please refer to your policy for full disclosure of coverages, limitations and conditions.
This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.