Insurers are likely to analyse your claims history when underwriting your employers’ liability premium. If you can help control your claims, you can lower your price — so we’ve gathered top tips to help you achieve this.
1. Investigate accidents immediately and thoroughly; take corrective action to eliminate hazards, and be aware of fraud.
2. Report all claims to your insurer immediately. Alert the insurer to any serious, potentially serious or suspect claims. Frequently monitor the status of the claim, and communicate with the adjuster to resolve them as quickly as possible.
3. Make sure all injured employees return to light duties only upon their release from treatment. Supervise light duty employees to ensure their conformance with restrictions.
4. In serious cases that involve a long period of absence, communicate with the loss adjuster to demonstrate your interest in returning the injured employee back to gainful employment.
5. Set safety performance goals for those with supervisory responsibility. Success in achieving safety goals should form part of performance appraisals.
6. Develop a written safety programme, and train employees in their responsibilities for safety. Incorporate a disciplinary policy into the programme that holds employees accountable for breaking rules or rewards them for correctly following safety procedures.
7. Frequently communicate with employees, both formally and informally, regarding the importance of safety.
8. Make safety a priority – senior management must be visible in the safety effort and must support improvement.
9. Evaluate accident history and near-misses at least monthly. Look for any recurrent problems and take the necessary corrective measures.
10. For more information and to speak to an insurance expert, please get in touch with your nearest A-Plan Commercial branch.