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The benefits of a successful workplace safety program are well-known—they proactively prevent injuries, ensure compliance with government regulations and can improve operations and employee morale—but programs have a lot of moving parts and can be challenging to manage effectively.
As your trusted partner in risk management, McClone provides service offerings, resources and support to help you effectively implement and manage your safety program.
Part of the U.S. Department of Labor, OSHA's mission is to ensure safe and healthful working conditions for working men and women by setting and enforcing standards, and by providing training, outreach, education and assistance to employers and workers. To that end, OSHA mandates certain types of employee safety training and has published guidance for Recommended Practices for Safety and Health Programs in addition to its standard regulatory guidance.
It is not unusual for states to impose their own safety codes, standards and regulations for private workplaces in addition to the federal OSH laws. Wisconsin state law imposes an absolute duty on employers to do everything reasonably necessary to furnish a safe place to work and to protect the life, health, safety and welfare of their employees.
A comprehensive workplace safety program with employee safety training is particularly important under Wisconsin law because it can impact how workers' compensation benefits are paid.
The Wisconsin Worker's Compensation Division can increase the amount of workers’ compensation benefits owed to the employee based on employer violations of safety codes, including failure to provide proper safety equipment and employee training.
Conversely, the division can also decrease the amount of workers’ compensation benefits owed to the employee based on employee violations of safety codes, including failure to use a provided safety device or obey a reasonable safety rule. A safety rule must be enforced, and the employee must have notice of the rule before compensation would be reduced.
Workers' Compensation insurance rules and regulations are not the same in every state. States can differ in their definitions of a covered employee, what types of injuries are covered, how long an employee has to file a claim and excluded injuries. States can also vary in how they require employers to provide coverage—via a state fund, self-insurance, private insurance or a combination.
The State of Wisconsin does not write or provide workers' compensation insurance coverage. Employers apply for insurance through an agency like McClone, or directly through an insurance carrier. If an employer is denied coverage in the private market, an employer can submit an application to the Wisconsin Compensation Rating Bureau (WCRB).
The core purpose of a workplace safety program is to minimize employee illnesses and injuries by proactively finding and fixing workplace hazards before they cause an injury or prompt an OSHA inspection.
Just like any business practice, safety programs aren't one size fits all. For a safety program to be effective, it needs to fit your organization's needs. Once you know your safety goals and understand your unique business risks, you can develop a program that works for you.
Your safety program should comply with OSHA regulations, and and it helps to use the agency's best practice recommendations. OSHA asserts that health and safety programs should include these seven interrelated core elements:
More than 100 of OSHA’s current standards contain requirements for employee training. Industries like construction and manufacturing with higher than average safety risks and heavy-duty equipment require specific additional training.
Companies that fail to comply with the standards can be cited and fined by OSHA. Employers who do more than meet these standards reap some of the most financially rewarding benefits of comprehensive training, such as:
It’s more efficient. Proactive safety training reduces workplace accidents, so it not only protects employees from injuries, but also protects the company from the related lost time and diminished productivity.
It helps control workers’ compensation costs. Fewer accidents and injuries result in paying fewer claims, and good safety ratings also mean lower premiums.
It improves performance and productivity. Safety training builds confidence in workers’ abilities to work safely—naturally making them more effective at performing their jobs.
Our materials, resources and tools are built with you in mind. We send regular compliance updates explaining changes in regulations that impact your operation so you can make informed business decisions.
Plus, our staff attorney is available to help you understand complex nuances of legislation.
Our in-house safety specialist is happy to consult with you on specific safety issues and offer solutions that best fit your needs, and McCloneHR is standing by to provide assistance with employee relations.
Offering so much more than broad network access to insurance carriers and policy negotiations, the McClone team has got you covered for workers' compensation.
When you partner with McClone, you hire a team that fully supports your work comp program with a proactive approach to claims advocacy. We work directly with the insurance carrier on your behalf to assist in all claims handling, monitoring and administration.
And we help you ensure that your employees return to work swiftly and safely.