Travelers Offers Strategies to Mitigate Workplace Injuries
HARTFORD, Conn., Aug 08, 2011 (BUSINESS WIRE) --
From June through September, workers compensation claims at small
businesses are at their peak, according to an analysis of Travelers'
claims data. Lower back strains and other back-related injuries and
injuries from slips, trips and falls are the most common, and workers
under 30 years old comprise almost one third of those sustaining
"This year marks the 100th anniversary of workers
compensation insurance and Travelers continues to help business owners
keep employees safe and healthy by encouraging them to adopt key risk
management techniques," said Marc Schmittlein, President and Chief
Executive Officer, Travelers Small Commercial. "By taking even small
steps, businesses can enhance employee health and manage the costs
associated with workers' injuries."
Travelers Risk Control professionals recommend the following risk
management tips to help business owners:
- Sound Hiring Practices - Summer is a particularly high traffic
time for many businesses and hiring new full- and part-time employees
is a common way business owners meet the increased demand. Businesses
need to evaluate current hiring practices when recruiting new
employees, especially considering that, on average, employees in their
first year on the job have a higher incidence of injuries than those
with more tenure. Making workplace safety part of the screening
process is therefore paramount. Employers should inquire about a
prospective employee's attitude toward safety issues during the hiring
- Orientation and Training - Regardless of the background or
experience of an employee, it is critical that business owners orient
and train all employees in safe work practices and procedures. Safety
training of any sort should include: a focus on emergency procedures;
a review of safe work practices; a reminder about required personal
protective equipment; and a review of employee protocol should an
accident occur. The formality of the training will vary based on the
complexity of the task.
- Active Supervision - Promoting safe work practices through
active supervision is a key component of mitigating workers
compensation risks. Reinforcing the fact that the safety practices and
procedures in place will protect employees is an important
responsibility for all small business owners. Remembering to keep
feedback upbeat and positive also promotes a productive and safe
- Accident Response - Business owners need to ensure that
employees understand that there is a process in place in the event
they do get injured on the job. This process allows employees to get
the necessary care and attention they need in a prompt fashion from a
qualified physician. Doing so will help expedite employees' recovery
and minimize the impact an injury has on their family and work life,
which ultimately benefits business owners.
Schmittlein continued, "Employees are a small business's most important
resource. With the proper risk management and workers compensation
coverage, small business owners can help ensure that employees who
sustain an injury while working are able to get the proper medical
attention they need, getting them back to work faster."
Additional ideas and resources can be found at the Travelers
Risk Control website.
About Workers Compensation
Workers compensation is an
insurance that business owners provide to employees that pays for
medical care and physical rehabilitation of injured workers and helps to
replace lost wages while they are unable to work. This year marks the 100th
anniversary since the first policy was written, changing the way
on-the-job injuries are handled.
The Travelers Companies, Inc. (NYSE: TRV)
is a leading provider of property casualty insurance for auto,
The company's diverse business lines offer its global customers a wide
range of coverage sold primarily through independent agents and brokers.
A component of the Dow Jones Industrial Average, Travelers has more than
30,000 employees and operations in the U.S., Canada, U.K. and Ireland.
The company generated revenues of approximately $25 billion in 2010. For
more information, visit www.travelers.com.
SOURCE: The Travelers Companies, Inc.
The Travelers Companies, Inc.
Jennifer Bagdade, 651-310-2883