Workers Compensation Insurance Riverside Ca Affordable
workmans 2:45 PM
Riverside, Ca Workers Compensation specialists at RTG-West Insurance Services, Inc. 951-789-9300
While now is the time to reduce costs when possible, it is definitely not the time to cut corners at the expense of employees' safety or protection. So here are some quick considerations for nearly every business
1. Consider the total cost of insurance ownership.
2. Select the right solution for your needs.
3. Safer work environments save money.
4. Look to build a true partnership.
5. Today, more than ever, financial strength matters.
6. Follow a proven service model with programs in place to help contain medical costs.
7. Know your bench of experts and leverage their expertise.
8. Make a formalized return to work program part of your culture.
9. Hire the right people for the job.
10. Examine the validity of workers' compensation claims and injuries and know how to act on the invalid ones.
Remember to Encourage and reward safe work practices. Be sure to provide the proper training and instruction employees need to perform their jobs safely -- starting on day one. Then look for opportunities to offer ongoing education in the form of workshops, training, and seminars to help employees stay up-to-date on the latest safety practices for their jobs.
Bring employees back to work faster. The longer injured employees stay out of work on disability, the higher wage replacement and medical costs -- and, therefore, your workers’ comp premiums -- will be. To reduce this time as much as possible, create a formal return-to-work program that encourages injured employees to get back to work as quickly as they can.
Your program might allow injured employees to come back to work on a modified schedule or part-time or limited basis at first. At the same time, injured employees need to feel safe when they return to work, so take any necessary steps to address the cause of their accident and help ensure that it won’t happen again.
Very important: Create a corporate wellness program. Healthy and fit employees are less likely to become injured on the job. Wellness programs run the gamut, from providing subsidized health club memberships or an on-site gym for employee use to offering employees the services of a personal trainer or dietitian, either paid for or subsidized by the company.
Some other considerations
It suggests closely examining the proof points of each carrier and TPA by asking questions such as: Do they have a proven track record of success insuring or servicing similar risks in your industry? Is it backed by 24/7 service and support and the ongoing flexibility to add products and services as needed? Is the program customizable to fit your specific needs with the potential for systemic savings based on your organization's performance over time?
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.
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