Experience Modifications have been used for decades as a method to adjust employer’s workers’ compensation premiums based on their own loss experience. Good experience would earn a credit experience modification, an experience modification below 1.00. Loss experience higher than anticipated in the rate results in an experience modification greater than 1.00. This is all old news. So what is new? Three inquires in the last 6 months from our policyholders about their experience modifications. That by itself is not usual. What was unusual is that all three had a significant panic in their call. In each case, the insured’s largest customer was letting them know that future work was being discontinued because their experience modification was above 1.00. (more…)
By Travis Halsted, Loss Control Consultant
As the season of melting snow begins and the use of air movement fans is once again seen, it is essential to determine how the risk of trips and slips resulting in falls in the workplace can be eliminated. According to the 2009 statistics from the Bureau of Labor Statistics, 605 workers were killed and an estimated 212,760 workers were seriously injured by falls to the same or lower level (Centers for Disease Control and Prevention, 2014). Occupational fall injuries result in approximately $70 billion spent annually between medical and workers’ compensation costs (Centers for Disease Control and Prevention, 2014). From these staggering numbers the need to prevent this type of injury is high on many safety committee lists.
By Chris Demeter, Senior Loss Control Consultant
Flammable liquids are used in many different ways. They present unique hazards to the people that use them. Flammable liquids can cause a fire or explosion, and like many other substances, they can also cause serious health effects from overexposure.
Flammable liquids are liquids with a flash point of less than 100F. The flash point is the lowest temperature at which a liquid gives off enough vapor to form a flammable mixture with air. On the NFPA diamond label, a fire hazard rating of three or four denotes a flammable liquid. Other labels used to identify flammable liquids are red with appropriate wording and they usually contain a fire symbol.
The vapors of a flammable liquid often present the most serious hazard. The vapors can easily ignite or explode. Flammable liquid vapors are heavier than air and may settle in low spots, or move a significant distance from the liquid itself.
By Travis Halsted, Loss Control Consultant
Many of you have asked questions as to how you can lower your number of back injuries. While there are many contributing factors to a back injury, there are aspects to investigate that could possibly point to a root cause. After a back injury is reported it is paramount to try to identify any common aspects, such as the task at hand, work areas, and even down to a particular item being produced, that could give details on how the injury occurred and what can be implemented to prevent it from happening again. With the act of lifting being such a common practice, we often tend to do it without thinking of the effects of improper lifting.
Improper lifting can result in a variety of different injuries. Of these injuries a back strain is a very common one that is a result of over-stretching certain muscles. Another injury from improper lifting is a hernia. A hernia is an injury that occurs from continued extreme exertion. With back injuries being involved in 24% of all occupational injuries and illnesses involving days away from work, it is easy to understand why so many companies are looking for fixes to the rising issue. (more…)