Blog Articles
5 Steps to Reduce Workers’ Compensation Costs with a Return-to-Work Program Blueprint
Implementing a return-to-work program will boost workplace morale, reduce recovery time, and reduce insurance claim costs. Improve workers' recovery with five steps from Smarter Risk.
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Safety Pays: How Risk Control Benefits Probabilities and ROI
Reduce risk, reduce claims. Workplace safety is an investment. Risk management ensures ROI by reducing incident frequency and severity. Learn more about risk control with Smarter Risk.
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AMAXIM: A 6 Step Safety Management System for Risk Control and Insurance Savings
Risk control is cheap and reduces insurance costs over the long term. AMAXIM is a simple workplace safety program template that will reduce the frequency of claims and increase worker safety. Implement your own safety program with Smarter Risk.
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Incident Investigations Part 1: The Key to Preventing Future Workplace Accidents–The Risk Control Perspective
Workplace injuries can strike unexpectedly, leaving a trail of challenges and questions in their wake. In this blog post, we will explore the risk control perspective of incident investigations, highlighting the importance of documentation, reporting, and root cause analysis.
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Incident Investigation Part 2: The How and Why from the Claims' Perspective
Accuracy and details are paramount to incident investigation reports. Prevent future incidents, boost workplace safety, and learn what to look for when filing a claim with guest writer Nicole Corey.
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Safety Orientation for New Employees: Key Points for Painless Integration
New employees are most at risk for workplace injuries and accidents. Developing a robust safety onboarding program is crucial for both reducing the frequency of incidents and mitigating their severity.
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OSHA Injury Reporting: OSHA 300 Log Guidelines and Recordable Injury Criteria
Demystify OSHA injury reporting with Smarter Risk. Distinguish first aid from medical treatment, submit OSHA 300 logs, and report severe injuries to OSHA.
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Safety Made Simple: A Small Business’ 2024 Beginner’s Guide to Safety Program Elements - Developing a Safety Program
Developing a safety program for your workplace can be overwhelming. Learn nine core safety program elements and create a safer workplace today.
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Nine Workplace Fire Safety Tips 2024: Your Financial Firewall in a Hard Market
In today's challenging insurance market, it's essential to do everything you can to secure the best insurance rates. Safeguarding your commercial property from fire hazards should be a top priority. Implementing fire safety measures will reduce risks and improve insurance premiums.
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Reduce Business Overhead Costs by Reducing Your Risk—13 Ways to Qualify for Lower Business Insurance Rates
Adopt the following 13 practices to strengthen your business operations and give insurers 13 reasons to offer you premium rates due to your reduced claims and improved overall risk profile.
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8 Ways to Create a Better Safety Culture: The Art of Employee Engagement
So, you've created a robust safety and risk control program. But how do you transition from a document to full implementation in your organization? Creating a safety and risk control program is difficult enough (unless you are using our software-we make that part easy) but implementing it in your organization can seem like an impossible task if you don't have a strategy.
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How to Create a Near Miss Reporting Program
Learn how important it is to put in place a Near Miss Reporting Program in the workplace to increase safety by identifying hazards proactively. We highlight the program's benefits, framework, and essential elements, stressing the importance of fostering a culture of safety and continuous improvement.
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Lagging Indicators for Safety 2024: The Importance of Reviewing Past Incidents
Explore the importance of lagging indicators in safety, such as OSHA logs, the OSHA Incident Rate, and insurance loss runs. Reviewing past incidents to improve future safety measures and having a structured process to analyze and act on these indicators is important.
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What Are Leading Indicators for Safety? A Guide for Business Owners
This blog emphasizes the proactive role of leading indicators in safety, contrasting them with lagging indicators. It explains how to set up a tracking program, provides examples, and highlights the benefits of focusing on leading indicators to shift safety culture from reactive to proactive.
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What is an Experience Modification Rate and How to Improve It
The Experience Modification Rate (Ex-Mod or EMR) can be confusing, but for small business owners, the Ex-Mod is something you'll want to familiarize yourself with.
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How to Improve Workers' Compensation Insurance Costs: Strategies That Actually Work
In business, managing expenses is not just about cutting costs - it's about making smart choices. Workers' compensation insurance is one area where savvy decision-making can lead to significant savings.
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Top 10 Things to Avoid: OSHA Violations List Explained
Every year, the Occupational Safety and Health Administration (OSHA) publishes a list of the most frequently cited violations. Think of the OSHA violations list as what not to do!
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Contractors and Insurance: Controlling Contractors Liability Insurance Cost
In the world of contracting, having the right insurance in place is crucial for keeping you in business when something goes wrong. One of the most important insurance coverages is contractor's liability.
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Improve Your Commercial Insurance Application (ACORD 125) with a Great Description of Operations
I started as an insurance agent years ago and later went into risk control. What would have been different if it was the other way around? What if I had gone into risk control and then become an agent? What had I learned as a risk control consultant that I could have used as an agent? The first thing that comes to mind is how much better I would have been at writing a good description of operations.
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