An effective injury and illness prevention program will go a long way in creating a healthy workplace environment and reducing NY business insurance rates, specifically workers compensation. An injury and illness prevention program is a proactive process to help employers find and fix workplace hazards before workers are hurt.
Whether you are a contractor, manufacturer or small retailer, all businesses should have an injury and wellness prevention program.
This type of a program is not required for most businesses in NY. However, The Murray Group highly recommends that all businesses implement one. According to OSHA, 12 workers die everyday on the job and more than 4 million workers suffer a work related injury every year. These injuries impact your company’s bottom line and your NY business insurance costs.
Most successful injury and illness prevention programs include a similar set of points that owners can use to find hazards at the jobsite. Some businesses take it a step further to create safety committees that undertake the process of identifying and mitigating hazards. Those committees then have bi-weekly or monthly meetings to discuss safety and prevention issues.
There are core elements of an injury and illness prevention program. These include:
- Management leadership
- Worker participation
- Hazard identification and assessment
- Hazard prevention and control
- Education and training
- Program evaluation and improvement
Think about how much your insurance premiums went up because you had a few workers compensation claims. Think about how much revenue you lost when a key member of your team was unable to perform his or her job.
At The Murray Group, prevention programs are always part of our discussions with partners. Through our trademarked process called LiveSECURE 365, we take our partners beyond insurance. NY business insurance is only one small part of a total risk management program. We wouldn’t be doing our job as a trusted advisor if we didn’t provide our partners with risk management resources.
If you would like to talk more about an injury or illness prevention program, please contact a member of our Murray Group team at (518) 456-6688.
Live Secure,
Ryan Murray
VP, CIC