Creating an Effective Return to Work Program

As discussed in previous blog posts, it is the employers’ sole responsibility to carry workers’ compensation coverage for their employees. While handling common employee errors in workers’ compensation cases is critical, so is establishing an effective return to work program. By being proactive and implementing this coverage before an employee is injured, business owners’ expenses and workers’ compensation liability can be reduced. Here are some steps to take toward a sound return to work program.

  • Assign a dedicated member of the team to be responsible for implementing the program and enforcing its rules, says the National Association of Wholesaler-Distributors (NAW).
  • Ensure the program is reflective of your clients’ desire to have its employees return quickly. The policy should be committed to bringing employees back immediately and business owners need to ensure that each employee participates in this program in order for it to be effective.
  • Educate owners and employees about the importance of such programs and how it relates to productivity, cost savings, and improved workplace morale.
  • Seek medical attention immediately after an injury and maintain contact with the employee throughout his or her recovery.
  • Once cleared by their doctor, employees should be encouraged to return to work as soon as possible.

The staff members at Midwestern Insurance Alliance are experts in providing Workers’ Compensation coverage, and view their relationship with policyholders as a partnership. To learn more, please contact MIA today.

At K2 Insurance Services, LLC, we are dedicated to creating a leading underwriting and distribution franchise both in the standard and specialty program insurance markets. K2 was formed by two insurance industry veterans with the purpose of acquiring managing general agents and developing multi-line programs. Our goal is to distribute innovative products through retail and wholesale distribution channels. To learn more about our services and partners, please contact us today at (855) 976-8113 or visit K2INS.COM.

Maintaining School Safety During Harsh Weather

Maintaining School Safety During Harsh WeatherAs El Niño and winter storms flurry throughout the U.S., inclement weather continues to affect the nation. Heavy snow, ice, and tornado watches are common around this time of year, and schools need to be prepared to manage these potentially dangerous scenarios. In order to reduce liability, schools need to be protected with a Public Sector Insurance Program. The following considerations for an effective emergency weather plan should be made to safeguard children and school staff, as well.

Stay abreast of weather forecasts via the radio and TV newscasts. Next, get the message out to students and staff quickly by announcing emergency plans via the public address (PA) system. If the electricity is out as a result of a storm before the plan has been activated, keep a back-up alerting device such as a megaphone on hand, says the National Weather Service. If there is no intercom system, the safest way to communicate danger is to use walkie-talkies so that no one is running from door to door in extreme weather.

School staff should be aware of the safest areas to seek shelter in the event of an emergency. As each design is different, architects and engineers of the building should be consulted to determine where the dangers exist and how to avoid risk from failing roofs, extreme winds, breaking glass, and loose debris.

Further, in the event of an earthquake or tornado, identify the safest locations in the classrooms with the lowest probability of failure. Naturally, if these disasters loom, outdoor activities should be ceased immediately. It is also important to note that the first sound of thunder is when students and staff should go indoors. Do not wait until the rain starts!

With the help of these simple tips, liability can be reduced for the public sector. In addition, the safety of everyone at the school can also be reinforced and limit the exposures caused by harsh winter weather.

At Aegis General Insurance Agency, we are experts in providing specialized insurance policies for the public sector through one of our divisions, Allied Public Risk. We understand the risks involved with operating these facilities and work to protect each component of their operations. For more information, contact us today at (855) 399-0966.

At K2 Insurance Services, LLC, we are dedicated to creating a leading underwriting and distribution franchise both in the standard and specialty program insurance markets. K2 was formed by two insurance industry veterans with the purpose of acquiring managing general agents and developing multi-line programs. Our goal is to distribute innovative products through retail and wholesale distribution channels. To learn more about our services and partners, please contact us today at (855) 976-8113 or visit K2INS.COM.