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Claims Management

Tops tips to bulletproof your workers’ compensation program

Last week I presented on ways employers can improve their workers’ compensation program at the Arizona Small Business Association’s annual meeting. Here are the key takeaways for Arizona businesses who have workers’ compensation insurance. Don’t treat employees as subcontractors. Many businesses, especially in the trades like plumbing or roofing, make this costly error. This is a priority fix both for your employment tax obligations and for covering your employees under workers’ compensation. In Arizona, all you need is one full- or part-time employee (as defined by the IRS or an administrative law judge) to need workers’ compensation insurance. Tighten injury reporting protocols. Rapid report to your carrier makes a huge difference in workers’ compensation costs. Back injuries are 35% more expensive if not reported within the first week, for example. Do you have the best agent for your business needs? Does the brokerage or agency offer tools like Modmaster to.

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Are We Too Focused on the Goal?

A few years ago, the Oakland Police Department spent hours trying to oust a gunman who had barricaded himself inside his house. After firing tear gas canisters into the house, the officers finally noticed the home owner standing beside them in the police lineup, chanting, “Please come out and give yourself up!” It’s a great thing to set goals and feel proud of our successes. However, to truly succeed in life as well in business, we should remember there are others beside us, also helping us to succeed. Survey after survey shows employees feel increasingly disenfranchised from their work, which hurts productivity and creates customer service issues galore. Employers complain woefully about a lack of talent, yet fail to do everything in their power to keep the very employees they currently employ. Take a moment today to listen to and sincerely respond to those who help you to succeed, including.

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