How to Decrease Your E-Mod in 2012

Employers who are savvy with the workers’ compensation world understand that their experience modifier, or e-mod, is a critical component to having lower workers’ comp premiums. And lower workers’ comp premiums means more flexibility when bidding against competitors.  Or it simply means extra cash.  The bottom line is no organization would willingly sign up to pay more for workers’ comp if there was something they could do about it.  Breaking News: there IS something you can do!  Here are three EASY safety measures you can take to decrease your e-mod this year:

1. Establish (or re-establish) a safety program that:
   a. Identifies hazards;
   b. Trains employees to the specific hazards;
   c. Uses a safety committee; and
   d. Rewards safe behavior.

2. Have trained first responders that can:
   a. Administer first aid;
   b. Assess the need for additional medical treatment; and
   c. Identify the cause of the accident / injury.

3. Work with your Workers’ Comp insurance carrier by:
   a. Using preferred providers;
   b. Putting employees back to work on modified duty; and
   c. Reporting claims immediately.

ESG’s safety team is available and accessible for your company’s safety needs, from assisting you with your safety program, to personally training your employees on safety practices.  Our experts handle and administer your workers’ comp claims to get your employees back to work as soon as possible.  For more information, please contact our ESG Safety Experts at 888-810-8187.