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Workers’ Comp Insurance in PA

Workers Comp Insurance insurance protects people at work

Workers Comp Insurance protects companies and employees

What Is Workers’ Comp Insurance?

This covers and protects workers / employees who become injured or acquire an occupational disease. It protects the employer in regards to legal obligations that are imposed by Workmans’ Compensations Laws or Employers Liability.

Why Do I Need It?

Protecting your employees is critical in successfully operating your business.

How We Help:

Martin Insurance offers great up-front rates as well as dividend programs that reward you with return premiums for maintaining a safe workplace and low losses. Contact our insurance agents today to learn about all of your workers’ comp insurance options in PA.

Feel free to use our scene explorer tool, or continue reading below, to discover opportunities that Commercial Property Insurance could protect you in everyday life.

 

Education and Injury Reporting

As an employee, it’s understandable to hesitate before deciding to utilize Workers’ Comp. Certain work incentives, like a daily count of injury-free days, don’t make it any clearer. However, there’s nothing to be afraid of when it comes to filing a Workers’ Comp claim.

As an employer, it’s important to provide resources to prevent this kind of hesitation. With plenty of information available regarding usage and coverage, your employees will respond more comfortably when a Workers’ Comp situation arises. Clear guidelines and time tables for usage can be presented in several ways: in employee handbooks, pamphlets, or posters for example. The more avenues of exposure, the better chances that your employees will understand the process.

To really establish a clear Workers’ Comp process, employers often require agreements stating that each employee understands their responsibility to seek medical attention – as well as the return-to-work process.

OSHA Inspections

Businesses don’t need to dread visits from the Occupational Safety and Health Administration. Their inspections aren’t just about citations – but improvement opportunities. Some are also available by request and penalty-free.

OSHA offers a free On-Site Consultation Program for businesses looking for input about their premises. It’s a confidential assessment of health hazards in the workplace to forewarn employers about potential dangers. These inspections are geared towards small to medium-sized businesses, and highlight OSHA standards from the risk-assessment professionals themselves.
The OSHA representatives will also work with employers to develop injury prevention programs and provide advice on safety overall.

Return-to-Work

After an injury, the body needs time to heal. For employees that get injured on the job, there needs to be a process in place for how long to stay home – and when to return.

Workers’ Comp insurance is a pivotal part of the process, but for it to operate successfully employers need to utilize Return-to-Work plans. In particular, these plans help ease the communication process between Workers’ Comp insurance companies and medical providers.

In fact, employers can often facilitate the process by making the Return-to-Work plan known right away to all parties involved. When an employee does return after being medically cleared, employers can also assign light duty temporarily, and they can even continue treatment if necessary.

Pre-Hire Physical

Certain vocations necessitate pre-hire physicals for their job candidates. In particular fields, like healthcare, it’s important to make sure prospective employees are not carrying communicable illnesses before starting their new jobs. When providing care for vulnerable populations, proper precautions are needed.

Other jobs need applicants in tip-top condition to keep everyone safe. Positions that require heavy lifting, or otherwise physically demanding tasks, will usually use pre-hire physicals to determine eligibility. These can be an indispensable tool for vocations with an element of physicality.

Safety Training

Job training will always cover how to do the job well, but not necessarily how to stay safe. Safety training is an indispensable part of protecting employees from injury – and from needing to file Workers’ Comp.

There are numerous ways to get hurt at work. Even at the most sedentary job, risk of injury is possible. Anything from carpel tunnel syndrome to back injury can happen while on the job, so proper preparation is key. Insurance brokers are an excellent resource for safety training. Your insurance broker can provide safety classes, materials, and techniques for employees to remain safe at work.

Communication

Whenever there are multiple parties involved in an injury scenario, communication can become unclear. Sometimes employers become reliant on the Workers’ Comp insurance company to handle employee questions and concerns. This doesn’t need to be the case.

The Workers’ Compensation process can become confusing without proper guidance, and employees often turn to their supervisors for help. It’s tempting to take a hands-off approach because insurance isn’t everyone’s forte – but ultimately your employees will appreciate your help. To give them the support they need, insurance brokers offer training in how to communicate with employees during this process.

Medical Provider Communication

Communication between an employer and their employee’s medical provider can become less frequent than it should be. When this happens, Worker’s Comp claims can remain open longer than necessary and employees may not return to work as soon as they should.
To avoid extended time off for employees who want to return to work, it’s a good idea to stay in touch with their medical provider. Insurance brokers can facilitate this by helping in the medical provider selection process. Starting with an open channel of communication can vastly improve the Workers’ Comp process.

As an employer, you can also provide the medical staff caring for you employee with the job description as well as your Return-to-Work procedure. Having that information beforehand gives a distinct advantage to the timeline overall.

Payroll Audits and EMR

EMRs, or Experience Modification Rates, measure both the past cost of injuries and the future risk of injury. Companies have a 70% chance of this being incorrect. Combined with Payroll Audits, which have an 80% chance of being incorrect, the overall effect on Worker’s Compensation coverage is palpable.

To assure the accuracy of these reports, make sure to utilize your insurance advisor. Insurance advisors can provide guidance during your annual payroll audits, and monitor your claims. By working with the claims adjuster, your insurance advisor can close these claims as fast as possible.