Businesses that create a safer workplace often have a lower Experience Modification Rate, or EMR. A lower EMR usually means lower Workers’ Compensation premiums and an improved perception of your company. The following is a brief explanation regarding EMR calculations, the factors that can impact them,...
Organizations that focus on helping others can’t afford to ignore business basics, such as proper insurance coverage. Nonprofits and social services do differ from traditional businesses, but they also have many similarities, including risk. Without high quality insurance coverage your, nonprofit or social service organization is...
Workers in assisted living and nursing home facilities face unique risks. They must lift and move patients frequently which can lead strains, sprains and chronic injuries if not done properly. However, following proper safety procedures limits these risks, improves patient and employee safety, and reduces insurance...
Improving employee safety reduces Workers’ Compensation claims, improves productivity and morale, and lowers insurance premiums. According to the 2016 Pennsylvania Workers’ Compensation & Workplace Safety Annual Report, 159,170 injuries and 77 deaths occurred in the workplace. The most claims occurred in Educational & Health (hospitals, nursing...
Legislation regarding workers’ compensation claims sometimes ends up in the courts, and the results can have a profound impact on how insurers handle claims and workers’ entitlements. The decision regarding a 2015 appeal challenging the validity of an injured worker’s Impairment Rating Evaluation is a...