by:  Mark Ward
Businesses work daily solving many different puzzles.  Obviously one puzzle I particularly enjoy watching come together is the payday puzzle.  This complicated puzzle is always changing and often has loose pieces being passed around the office.  To see all the pieces come together is exciting and really quite an accomplishment.  An important piece in the puzzle is employee safety.   In this article, as part of employee safety, I will discuss workers compensation insurance and OSHA compliance.

First, I want to make it very clear that ALL EMPLOYERS are required by law to have Workers Compensation Insurance.  Do not confuse Workers Compensation Insurance with State Unemployment Benefits.  Workers Compensation is an insurance policy businesses must purchase.  Workers Comp benefits are paid to employees who have been injured on the job.  State Unemployment is a payroll tax that we handle for you.  Unemployment benefits are paid to employees who have been terminated or laid off from a job.  For more information on Workers Compensation and to see how Payroll Experts can help you please visit our website contact us for information.

Now that it is clear that Workers Compensation Insurance is required, I want to make you aware of additional often free services you can access to help ensure the safety of your employees.

Many businesses are unaware that as part of their Workers Compensation Policy the insurance provider will often, if asked, provide safety training to employees.  Check with the insurance company to see if they provide such training. Ultimately, an accident free and safe workforce will help your company lower your workers compensation premiums.  From your accident/safety history your company is assigned an E-MOD.  Premiums will be discounted or increased according to your E-Mod.

If your business operates in a high hazard industry you have probably heard of OSHA (Occupational Safety and Health Act).  OSHA ensures safe and healthful working conditions for the workforce by enforcing standards and providing training, outreach, education and assistance.  Many businesses are scared of OSHA and try to steer clear of them.  However, OSHA Consultation offers a great service where they, at your invitation, will help your business meet job safety and health regulations and assist in developing an ongoing, effective safety and health program.  They provide confidential and comprehensive written reports containing recommendations.  Their goal is to educate and encourage you to increase safety on the job.  This is done without issuing citations or penalties as long there is a commitment to the elimination of safety and health hazards.

There are also many safety classes, some free and some for a minimal cost, that are available to you.  If you have any questions about Workers Compensation or OHSA compliance please contact us.  We appreciate working with you and are committed to your success.


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