Great West Casualty Company Blog

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Entries related to: workers-compensation

Buying Into Safety: Six Reasons It Makes $ense

Remember in Oliver Twist when the hungry boy quietly approached his unforgiving master and asked him to fill the boy’s bowl with more gruel? Safety directors might relate to this feeling when requesting funds for new safety initiatives. Regardless of the company’s culture, selling safety to the keepers of the company coffers can be met with frustration and resistance, especially if the financial return on investment (ROI) has not been calculated beforehand to justify the expenditure.
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Providing a Workplace Free of Known Hazards

Motor carriers are in a hazardous industry and face four types of loss exposures: financial, property, liability, and personnel. Financial exposures include decreases in revenue resulting from a loss, such as a vehicle crash, as well as increases in expenses. Damage to equipment or your facility are examples of property exposures, while liability exposures involve third-party claims. The final loss exposure category is the most important: personnel. The loss of any worker, especially key personnel, can cause significant business interruption. That is why a motor carrier should be mindful of its responsibility to provide a workplace that is free of known hazards.
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Ask the Workers' Compensation Underwriter

Are Written Job Descriptions Really Necessary? Yes, written job descriptions are essential to managing your workers’ compensation costs. Workers’ compensation is a “no-fault” system designed to compensate employees for job-related injuries without regard to fault. That makes hiring employees who are physically capable of performing the essential functions of a job so important, hence the need for written job descriptions. The job description details the essential functions and physical requirements of each job. Successful motor carriers often contract with a local occupational therapist to conduct a job analysis and define the physical requirements. The physical requirements should be attached to the application for employment. The application should ask if the applicant can meet these requirements and state that a conditional offer of employment, if extended, will be subject to the applicant's passing an expanded physical performed by a company-specified doctor.
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