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The best way for employers to reduce the exposure to excessive workers’ compensation costs is to place considerable effort in preventing employee injuries from occurring in the frst place. Doing so requires developing and implementing comprehensive safety programs including, policies aimed at preventing injuries, implementing safe work procedures, and maintaining a healthy work environment. Other prevention strategies may include drug testing, pre-employment physicals/ screening, employee wellness, worker stretching programs and other health and educational programs for employees and management. Such programs must be integrated into the day-to-day operations of your company, the same way quality is built into a company’s production processes, products, and services.

Additional Reading

3 This is intended as a general description of certain types of managed care services available to qualifed customers through Zurich Services Corporation,

an individual member company of Zurich in North America. Zurich Services Corporation does not guarantee a particular outcome, reduction in costs or improvement in administration and further assumes no liability in connection with the providing of these services. ©2011 Zurich Services Corporation

Zurich

1400 American Lane, Schaumburg, Illinois 60196-1056 800 382 2150 www.zurichna.com

Preventing Injuries

SECTION 1

Workers’ compensation costs are considered “loss leaders” for most

employers. They can also drive 40-45 percent of guaranteed cost insurance premiums and average 70 percent of total insurance claim costs.