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Employers
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Loss prevention programs help businesses prevent accidents and
manage claim costs, which are both critical factors in determining insurance
premiums. Effective loss prevention programs begin with a commitment to safety
by owners and top management to create the proactive approach needed.
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As an employer, it is your responsibility to Report an Injury.
Our claim department staff is dedicated to managing Rhode Island
workers' compensation claims. It is our objective to control the direction and
ultimate outcome of claims through early intervention and the use of available
medical and rehabilitation resources.
We work with employers to develop return-to-work programs that
provide modified jobs for recovering employees as they make the transition back
to their former job.
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Beacon Mutual provides workers' compensation insurance for over
15,000 satisfied customers. In association with over 600 independent
insurance agencies, Beacon Mutual can provide the right coverage at the right
price. Our improved auditing and billing systems make renewing your
policy quick and convenient. Underwriting specialists are available to
work with you and your insurance agent to ensure the highest customer
satisfaction.
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The primary responsibility of the premium audit department
is to conduct audits that determine the actual insurance exposure for the
coverage provided.
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1. How do I calculate a safe following distance from the car in front of me?
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Answer:
The National Safety Council recommends a minimum three-second following distance with an additional second for adverse or hazardous driving conditions, like heavy traffic and poor weather and visibility. If your speed is higher than 60 miles per hour, you will need to add extra following distance between the vehicle ahead and your vehicle. The higher the speed, the more distance it takes to stop your vehicle.
To find the right following distance, begin counting when the rear bumper of the vehicle ahead passes a fixed object, such as an underpass, or a billboard. Count "one-thousand and one, one-thousand and two, one-thousand and three." Your vehicle should not pass the fixed object until after you have finished your counting.
If another car enters that "safe space" you must begin counting again.
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2. What does the premium audit process entail?
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Answer:
The determination of premium is a function of remuneration, predominantly payroll. At the inception of the policy, the premium is based on estimated payroll information. As a result, policyholder financial records are reviewed at expiration in order to accurately verify the amount of payroll for the policy period. Any changes in payroll may result in an additional premium or a return premium.
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3. How do I determine what PPE is necessary?
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Answer:
Employers must conduct a hazard assessment of the workplace prior to placing employees in PPE. OSHA calls this the Workplace Hazard Assessment. Click here for more information.
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4. Why is it important to have a written safety program?
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Answer:
A written safety program shows management concern for employee safety. It outlines steps the company will take to identify and control hazards, provides an opportunity to evaluate (and possibly revise) work practices, and helps make employees aware of safety issues.
A program stressing that safety is everyone's business benefits both employer and employees: It prevents injuries to workers, provides for documentation and investigation of any incidents that do occur, and reduces the employer's claim costs.
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