Job sites should be safe places for workers, customers, and others. Not only does a secure work environment keep people healthy, it promotes productivity. Still, Texas workers comp insurance premiums account for a significant line item in the budgets of many companies in the Lone Star State. To control premiums, employers typically take a three-program approach.
1. Safety Program
Before managers can create a safe workplace, they must identify and understand hazards that might cause accidents. Once they do, they can create a safety program to mitigate risks. For help establishing one, employers usually consult the following:
- Their Texas Workers Comp Insurance Provider
- The Occupational Safety and Health Administration
- A Third-Party Consultant
2. Back-to-Work Program
If job-related injuries do occur, employers must get workers back on the job quickly to keep workers comp costs low. When establishing a back-to-work program, managers consider modified duties, changed schedules, and other occupational accommodations.
3. Training Program
Finally, budget-conscious employers realize they can better control workers comp premiums by establishing a comprehensive safety training program. Since workers must understand safety protocols to avoid workplace risks, periodic seminars, mentoring, and other training tactics are typically appropriate.
Since promoting a safe worksite benefits everyone, savvy business owners work to promote workplace safety. When done correctly, Texas workers comp insurance premiums tend to fall.