Saving money on California workers compensation premium is as much about your safety, risk, and claims managemenas it is about having the right broker. Evaluate how you handle California workers compensation claims, and then work on improving these areas.
Performance – Every industry has national benchmark goals in place. How your business measures up against accidents, injuries, and claims is a good indication of areas that need improvement. Once those areas are defined, begin to focus on managing those areas better.
Injury Response - As an employer, you need to make sure that proper procedures are followed when an injury occurs. The first 24 hours following the incident is the most critical. Your management team needs to know exactly what to do to ensure that the California workers compensation claim is filed in a timely manner.
Communication – In order to develop sound safety management, risk management, and claims management programs communicate with all your employees – managers and workers alike. Not only do you want their input regarding how things can be improved, but you also want them to know and understand what you, as the owner of the business, expect from each of them. Clearly communicate your company policy regarding the reporting of injuries and compliance to medical requirements.
Return to Work - The longer an employee is out of work, the more California workers compensation claim costs. After an injury and upon medical approval, offer the employee a lighter duty position until he or she is released to resume normal duties. The insurance agents at Bizinsquotes.com can help you learn what forms and letters you need for California workers compensation program.
Medical Care - You need to know about the medical care requirements in your state regarding California workers compensation claim. Make sure that you have quality medical care available for your employees, and use a clinic or a physician who understands and agrees with your need for a speedy recovery. You also need to focus on containing the overall medical costs related to California workers compensation claims.
Learn what containment services for California workers compensation insurance company uses and do your best to control their usage.
Fraud – Learn how to spot staged accidents and people who act as though they are more seriously hurt than they really are. By making sure accident reports, safety reports, and surveillance reports are filled out properly and quickly, you can help spot and reduce fraudulent reports for your California workers compensation claims.
Insurance Company – You need your insurance company to be on your side. California workers compensation policy should be structured to work with your company, and vice versa. Talk to your broker about ways to reduce California workers compensation costs. You can find out even more about ways to lower California workers compensation costs by filling out the Free Quotes Form at http://bizinsquotes.com