The Importance of Timely Submission of Workers' Compensation Claims for Staffing Companies

Claim Submission

The Importance of Timely Submission of Workers' Compensation Claims for Staffing Companies

Staffing companies often rely on workers' compensation insurance to protect both their employees and their business in case of workplace accidents. Workers' compensation claims can help cover the medical costs and lost wages that an injured employee may incur. However, it's essential for staffing companies to submit workers' compensation claims to their insurance company promptly. In this blog, we'll discuss why staffing companies should submit workers' compensation claims within 24-48 hours of the accident and the benefits of doing so from an insurance adjuster's perspective.

Why should staffing companies submit workers' compensation claims within 24-48 hours?

Timely reporting ensures compliance with state laws: Each state has its own laws regarding workers' compensation, including deadlines for reporting workplace accidents. Failing to report a workplace accident within the specified time frame could result in penalties or the denial of the claim. By submitting claims promptly, staffing companies can ensure they are following state laws and regulations.

Helps injured employees get timely care: A timely workers' compensation claim submission can help injured employees get the medical care they need as soon as possible. Many workers' compensation insurance policies require that employees seek medical treatment from a designated medical provider. By submitting the claim quickly, the employee can get in touch with the designated medical provider, and the medical costs can be covered under the policy.

Supports the investigation process: Submitting a workers' compensation claim within 24-48 hours of the accident helps the insurance adjuster investigate the incident promptly. The adjuster can gather evidence, interview witnesses, and assess the severity of the injury more accurately when the claim is submitted promptly. This helps the adjuster determine the validity of the claim and helps expedite the claims process.

Benefits of timely submission of workers' compensation claims from an insurance adjuster's perspective:

Accurate documentation: Timely submission of a workers' compensation claim helps the adjuster obtain accurate documentation of the accident. This includes statements from the injured employee, witnesses, and the employer. With accurate documentation, the adjuster can better assess the extent of the employee's injuries and ensure that the claim is handled appropriately.

Cost-effective claims handling: Timely submission of workers' compensation claims can help keep the costs of the claim down. By submitting the claim promptly, the adjuster can investigate the incident quickly and identify any potential fraud or exaggeration of the claim. This can help prevent unnecessary medical treatments and reduce overall claim costs.

Timely claims resolution: Timely submission of a workers' compensation claim can help ensure a speedy claims resolution. The adjuster can work with the employer and the injured employee to determine the best course of action and ensure that the employee receives the necessary medical care and benefits. This can help reduce the time and resources needed to handle the claim and prevent any delays in the employee's recovery process.

In conclusion, staffing companies should make sure to submit workers' compensation claims to their insurance company within 24-48 hours of the accident. By doing so, they ensure compliance with state laws, help injured employees get timely care, and support the investigation process. From an insurance adjuster's perspective, timely submission of workers' compensation claims can lead to accurate documentation, cost-effective claims handling, and timely claims resolution. Overall, submitting workers' compensation claims promptly benefits both the staffing company and the injured employee, making it a crucial step in the claims process.

Why Staffing Companies Need Crime/Third-Party Theft Insurance

Crime & 3-rd Party THeft Insurance

Why Staffing Companies Need Crime/Third-Party Theft Insurance

Crime and theft are two of the most prevalent concerns in today's business world, and staffing companies are no exception. Staffing companies are responsible for managing the hiring process of employees and ensuring that they are reliable, trustworthy, and competent. However, even with the best vetting processes in place, there is always the risk that an employee may engage in criminal activity or theft while on the job.

To mitigate these risks, staffing companies should consider purchasing third-party theft insurance. Third-party theft insurance is a type of insurance that covers losses resulting from employee theft or dishonesty, as well as losses resulting from other criminal acts committed by employees.

One of the primary reasons that staffing companies should consider purchasing third-party theft insurance is to protect themselves from financial losses resulting from employee theft or dishonesty. If an employee engages in criminal activity or theft while on the job, the staffing company could be held liable for any losses incurred by their clients as a result. This could result in significant financial losses for the staffing company, potentially even leading to bankruptcy in extreme cases.

Third-party theft insurance can provide staffing companies with financial protection in the event of employee theft or dishonesty. This insurance can cover losses resulting from theft of money or property, embezzlement, forgery, and other fraudulent activities. By purchasing this insurance, staffing companies can transfer the financial risk of employee criminal activity to the insurance company, protecting themselves from significant financial losses.

In addition to protecting staffing companies from financial losses, third-party theft insurance can also help protect their clients. If an employee of a staffing company steals from a client, the client could hold the staffing company liable for any losses incurred. However, if the staffing company has third-party theft insurance, the insurance company can compensate the client for any losses incurred, reducing the risk of legal action being taken against the staffing company.

In summary, staffing companies should consider purchasing third-party theft insurance to protect themselves from financial losses resulting from employee theft or dishonesty. This insurance can cover losses resulting from theft of money or property, embezzlement, forgery, and other fraudulent activities. By purchasing this insurance, staffing companies can transfer the financial risk of employee criminal activity to the insurance company, protecting themselves from significant financial losses and helping to protect their clients.

Protecting Your Staffing Company from Cyber Attacks: Essential Steps and Importance of Cyber Insurance

CYBER LIABILITY

Protecting Your Staffing Company from Cyber Attacks: Essential Steps and Importance of Cyber Insurance

As technology becomes increasingly integrated into every aspect of business, staffing companies must be vigilant in protecting their computer systems from cyber attacks. A single cyber attack can cripple a business, causing significant financial losses and damaging its reputation. In this blog post, we will explore the potential cyber threats staffing companies face and provide actionable steps to prevent against those threats. We will also discuss the importance of cyber insurance and what it covers.

Potential Cyber Threats to Staffing Companies

There are several types of cyber threats staffing companies may face, including:

1. Phishing attacks: These are attempts to steal sensitive information such as usernames, passwords, and credit card details by masquerading as a trustworthy entity in an email or other electronic communication.

2. Ransomware: This is a type of malware that encrypts a company's files and demands payment in exchange for the decryption key.

3. DDoS attacks: Distributed denial-of-service (DDoS) attacks overwhelm a company's server with traffic, causing it to crash and preventing legitimate users from accessing the system.

4. Insider threats: Employees or contractors with access to sensitive information may intentionally or unintentionally compromise the system's security.

Preventing Cyber Attacks

1. Educate employees: The first line of defense against cyber attacks is to educate employees about the risks and best practices for staying safe online. This includes strong password policies, not clicking on suspicious links or downloading unknown files, and regularly updating software and security systems.

2. Implement strong security measures: Staffing companies must have robust security measures in place, including firewalls, antivirus software, and intrusion detection systems. Regularly updating software and installing security patches is also essential to prevent vulnerabilities that hackers can exploit.

3. Conduct regular risk assessments: Regularly assessing risks and identifying vulnerabilities in the system can help prevent potential cyber attacks. This includes performing penetration testing and vulnerability scanning to identify weaknesses in the system.

4. Backup data regularly: In the event of a cyber attack, having backups of critical data is essential to quickly recover and resume operations.

5. Consider cyber insurance: Cyber insurance is an important coverage to consider for staffing companies. It can help cover the costs associated with a cyber attack, including the cost of notifying customers, hiring forensic experts to investigate the attack, and legal fees.

What Does Cyber Insurance Cover?

Cyber insurance covers a range of costs associated with a cyber attack, including:

1. Notification costs: The cost of notifying customers, vendors, and other parties affected by the cyber attack.

2. Forensic costs: The cost of hiring forensic experts to investigate the attack and determine the extent of the damage.

3. Legal fees: The cost of hiring legal counsel to navigate the legal and regulatory landscape after a cyber attack.

4. Business interruption costs: The cost of lost revenue and expenses incurred as a result of a business interruption caused by a cyber attack.

Conclusion

Cyber attacks are a serious threat to staffing companies and can cause significant financial losses and damage to the company's reputation. Implementing strong security measures, educating employees about best practices, regularly assessing risks, and backing up data are essential steps to prevent against cyber attacks. Additionally, considering cyber insurance can help protect staffing companies from the financial impact of a cyber attack. By taking proactive steps to protect their computer systems and assets, staffing companies can minimize the risk of a cyber attack and safeguard their business.

Protect Your Workers, Protect Your Business: The Urgent Need for Risk Management in Staffing Companies

RISK MANAGEMENT

It's time to prioritize risk management and make your workplace safer.

As a staffing company, your workers are your biggest asset. They are the ones who help you deliver top-quality services to your clients and grow your business. However, their work also puts them at risk of injury or illness, which can lead to costly workers' compensation claims. This is where risk management comes in - it's a vital tool that can help you protect your workers and your business.

What is risk management for workers' compensation insurance?

Risk management is the process of identifying potential risks and taking steps to minimize or eliminate them. In the context of workers' compensation insurance, risk management involves identifying potential hazards in the workplace and implementing strategies to reduce the risk of injury or illness to your workers.

Why is risk management important for staffing companies?

Staffing companies often work with a variety of clients in different industries, which means their workers are exposed to a wide range of hazards. This makes risk management essential for staffing companies to protect their workers and reduce the risk of costly workers' compensation claims.

In addition, workers' compensation insurance premiums are based on a company's claims history. This means that the more claims a company has, the higher their premiums will be. By implementing effective risk management strategies, staffing companies can reduce the number of claims and lower their insurance premiums.

Examples of risk management strategies for staffing companies

1. Provide safety training: Training your workers on how to stay safe on the job is an essential part of risk management. Make sure your workers are trained on the proper use of equipment and tools, as well as any safety protocols specific to the industry they are working in.

2. Conduct regular safety inspections: Regular inspections of the workplace can help identify potential hazards before they become a problem. This can include inspecting equipment, machinery, and work areas to ensure they meet safety standards.

3. Develop a return-to-work program: If a worker does suffer an injury, a return-to-work program can help them get back on the job as soon as possible. This can include providing modified duty assignments or job accommodations to help the worker ease back into their regular job duties.

4. Implement a drug-free workplace program: Substance abuse can lead to workplace accidents and injuries. By implementing a drug-free workplace program, staffing companies can reduce the risk of these types of incidents.

Effective risk management can have a number of benefits for staffing companies, including:

1. Reduced workers' compensation costs: By reducing the number of claims, staffing companies can lower their insurance premiums and save money.

2. Improved workplace safety: Risk management strategies can help create a safer work environment, which can lead to happier and more productive workers.

3. Compliance with regulations: Staffing companies have a responsibility to comply with federal and state regulations related to workplace safety. Effective risk management strategies can help ensure compliance with these regulations.

4. Enhanced reputation: Staffing companies that prioritize worker safety and risk management are more likely to be viewed as responsible and trustworthy by clients and employees.

In conclusion, risk management is a necessary tool for staffing companies to protect their workers and their business. By implementing effective risk management strategies, staffing companies can reduce the risk of workplace injuries and illnesses, lower their workers' compensation insurance costs, and enhance their reputation. It's time to prioritize risk management and make your workplace a safer and more productive environment.

NCCI Mod worksheet for Staffing Companies

NCCI MOD

How does the NCCI Mod impact Staffing Companies?

As a staffing company, your employees are your most valuable asset. Ensuring their safety and well-being is crucial not just from a human standpoint, but also from a financial perspective. Workers' compensation costs can be a significant expense for staffing companies, and understanding the NCCI Mod worksheet is critical to managing those costs.

What is the NCCI Mod Worksheet?

The National Council on Compensation Insurance (NCCI) is a non-profit organization that collects data, analyzes industry trends, and provides workers' compensation insurance rating and filing services in over 38 states. The NCCI Mod worksheet is a calculation used by insurance companies to determine the experience modification factor (also known as "mod" or "EMR") for a particular company.

The mod is a measure of how a company's actual losses compare to expected losses for its industry. A mod of 1.0 is considered average, while a mod above 1.0 indicates higher than average losses and a mod below 1.0 indicates lower than average losses.

How Does the NCCI Mod Worksheet Affect Your Workers' Compensation Costs?

The mod directly impacts a company's workers' compensation costs. Insurance companies use the mod to adjust a company's workers' compensation premium, with a higher mod resulting in a higher premium and a lower mod resulting in a lower premium. Essentially, the mod reflects the insurance company's expectation of future losses based on past performance. If a company has had a history of high losses, the mod will be higher, and the premium will be more expensive.

For staffing companies, the mod can be particularly challenging to manage since they often have a high turnover rate and a fluctuating workforce. The NCCI Mod worksheet takes into account a company's payroll and loss history, so changes in the number of employees or the severity of claims can impact the mod and, subsequently, the premium.

How is the NCCI Mod Worksheet Calculated?

The NCCI Mod worksheet takes into account three years of a company's payroll and loss history, with more recent years having a greater impact on the mod calculation. The calculation involves comparing the actual losses a company has incurred with the expected losses for the industry and adjusting for the size of the company.

The formula for calculating the mod is as follows:

(Actual losses / Expected losses) x Adjustment factor = Mod

The adjustment factor takes into account the size of the company and is intended to prevent small companies with only one or two claims from having an unfairly high mod. The adjustment factor is typically around 0.7 for small companies and can be as high as 1.5 for larger companies.

In Conclusion

The NCCI Mod worksheet is an essential tool for managing workers' compensation costs for staffing companies. Understanding how the mod is calculated and how it impacts your premium can help you identify areas where you can improve safety and reduce losses.

Promoting Forklift Safety for Staffing Companies

Forklift Safety:

Tips for Staffing Companies Providing Temporary Employees to Warehouses

Forklifts are an integral part of warehouse operations, but they also pose significant risks to workers if not used properly. In fact, according to OSHA, forklift accidents are responsible for an average of 85 fatal injuries per year. For staffing companies that provide temporary employees to warehouses, it is crucial to prioritize forklift safety in order to protect their employees and avoid costly accidents. Here are some tips for staffing companies to promote forklift safety among their temporary employees.

Education and Training

The first step in promoting forklift safety is education and training. Staffing companies should ensure that their temporary employees receive proper training on the safe operation of forklifts before they are allowed to use them. This training should cover topics such as proper use of controls, safe loading and unloading, and safe handling of materials.

Proper Use of Forklifts

In addition to training, it is important to emphasize the importance of following proper procedures for using forklifts. This includes wearing proper personal protective equipment, following designated traffic patterns, and avoiding distractions while operating the forklift.

Certification

Staffing companies can also encourage their temporary employees to become certified forklift operators. Certification is a formal process that demonstrates a worker's knowledge and skills in forklift operation. By having certified operators on staff, staffing companies can provide their clients with additional assurance that their employees are qualified to operate forklifts safely.

The benefits of forklift safety in a warehouse cannot be overstated. By promoting safety and proper use of forklifts, staffing companies can protect their employees from injury and avoid costly accidents. Additionally, emphasizing forklift safety can help to improve the overall safety culture in a warehouse, leading to increased productivity and reduced risk of accidents.

In conclusion, forklift safety should be a top priority for staffing companies that provide temporary employees to warehouses. By providing education and training, encouraging proper use of forklifts, and promoting certification for forklift operators, staffing companies can protect their employees and avoid accidents. Investing in forklift safety not only benefits staffing companies, but also their clients and the overall safety culture of the warehouse.

Prioritizing Workplace Safety: Preventing Falls from Heights in Staffing Companies

FALL prEVENTION

Prioritizing Workplace Safety: Preventing Falls from Heights in Staffing Companies.

Falls from heights are a leading cause of workplace injuries and fatalities. In fact, according to the Occupational Safety and Health Administration (OSHA), falls are responsible for over 100,000 injuries and deaths each year in the United States. Staffing companies have a responsibility to prioritize fall prevention and safety for their employees, especially for those working in industries such as construction and warehousing. Here are some steps that staffing companies can take to prevent falls from heights in the workplace.

Education and Training

The first step in fall prevention is education and training. Staffing companies should ensure that their employees receive proper training on the hazards of working at heights and the proper use of fall protection equipment. This training should cover topics such as ladder safety, scaffold safety, and the use of personal fall arrest systems.

Proper Use of Fall Protection Equipment

In addition to training, it is important to emphasize the importance of using proper fall protection equipment. Staffing companies should ensure that their employees have access to and use proper equipment such as guardrails, safety nets, and personal fall arrest systems. This equipment should be properly inspected and maintained on a regular basis.

Risk Assessment

Staffing companies should conduct a risk assessment of the worksite to identify any potential fall hazards. This assessment should take into consideration factors such as the height of the work area, the type of work being performed, and the condition of any equipment being used.

The benefits of fall prevention and safety training cannot be overstated. By promoting safety and proper use of fall protection equipment, staffing companies can protect their employees from injury and avoid costly accidents. Additionally, emphasizing fall prevention and safety can help to improve the overall safety culture in the workplace, leading to increased productivity and reduced risk of accidents.

In conclusion, fall prevention and safety should be a top priority for staffing companies. By providing education and training, emphasizing the proper use of fall protection equipment, and conducting risk assessments, staffing companies can protect their employees and avoid accidents. Investing in fall prevention and safety not only benefits staffing companies, but also their clients and the overall safety culture of the workplace.

Staffing - Employment Practices Liability Insurance

EPLI INSURANCE

How to protect your staffing business from wrongful termination claims.

In today's increasingly litigious society, businesses face a range of potential lawsuits from employees alleging discrimination, harassment, wrongful termination, and other employment-related claims. These legal issues can cause significant financial and reputational damage, making it critical for companies to protect themselves against such risks. One way to do this is by purchasing Employment Practices Liability Insurance (EPLI).

EPLI is a type of insurance policy designed to provide coverage for claims brought by employees against their employers, such as discrimination, harassment, wrongful termination, and retaliation. It typically covers legal defense costs, settlements, and judgments, and can also provide coverage for claims made by third parties such as customers or vendors.

The coverage provided by EPLI can vary, but typically includes the following:

1. Discrimination: EPLI can provide coverage for claims of discrimination based on race, gender, age, disability, religion, or other protected classes.

2. Harassment: EPLI can provide coverage for claims of sexual harassment, hostile work environment, or other forms of harassment.

3. Wrongful Termination: EPLI can provide coverage for claims of wrongful termination, including claims based on retaliation or breach of employment contract.

4. Other Employment-Related Claims: EPLI can also provide coverage for other types of employment-related claims, such as defamation, invasion of privacy, and failure to promote.

So why should companies consider purchasing EPLI as part of their insurance package? Here are a few reasons:

1. Protection Against Costly Lawsuits: Employment-related lawsuits can be expensive to defend and settle, and can quickly drain a company's resources. EPLI can provide coverage for legal defense costs, settlements, and judgments, helping to protect a company's finances.

2. Mitigation of Reputational Risk: Employment-related lawsuits can also damage a company's reputation and lead to negative publicity.

3. Compliance with Legal Requirements: Some states and municipalities require employers to carry EPLI as part of their insurance coverage. By purchasing EPLI, companies can ensure they are in compliance with these requirements.

4. Improved Employee Relations: By purchasing EPLI, companies demonstrate their commitment to protecting their employees and providing a safe and inclusive workplace. This can help to improve employee morale and retention.

In summary, EPLI can provide valuable protection for companies facing employment-related claims. Given the potential financial and reputational damage of these claims, purchasing EPLI should be a consideration for any company looking to protect its assets and its employees.

Lockout/tagout tips for Light Industrial Staffing Company

LOCKOUT/TAGOUT

Tips for lockout/tagout for staffing company

In any industrial setting, safety is paramount, and warehouse operations are no exception. One of the essential safety measures in a warehouse is the lockout/tagout (LOTO) procedure. LOTO is a safety protocol designed to prevent accidental start-up of machinery or equipment that is undergoing maintenance, repair, or servicing. This procedure involves isolating and securing machines or equipment from the power source and attaching warning tags to prevent accidental use.

The importance of LOTO cannot be overstated. Failure to follow this procedure can lead to serious injuries, including amputation, electrocution, and even death. According to the Occupational Safety and Health Administration (OSHA), there are nearly 50,000 injuries and 120 fatalities every year in the United States alone due to improper use of machines or equipment.

Here are some tips on how to implement an effective LOTO procedure in your warehouse:

1. Develop a Written LOTO Program: A written program should be developed to identify and address all the equipment in the warehouse that requires LOTO. The program should include procedures for isolating equipment from its energy source, including electrical, hydraulic, pneumatic, mechanical, and thermal.

2. Conduct Regular Training: Training is essential for all employees who work with or around machines and equipment. Training should include the proper use of LOTO procedures, as well as the identification of hazardous energy sources.

3. Use Proper Locks and Tags: Locks and tags should be of high quality, durable, and resistant to tampering. Locks and tags should also be standardized and identifiable, and every employee should have their own locks and tags to ensure accountability.

4. Follow a Standard Procedure: The LOTO procedure should be followed consistently, with no exceptions. Employees should be trained to use the same procedure for each piece of equipment every time, reducing the risk of mistakes and accidents.

5. Conduct Regular Inspections: Regular inspections should be conducted to ensure that equipment and machinery are properly locked and tagged. Inspections should be conducted by a qualified person who is not part of the team performing the maintenance.

In conclusion, the importance of LOTO cannot be overstated in a warehouse setting. It is a safety protocol that prevents accidents, injuries, and fatalities. The implementation of an effective LOTO program requires a written program, regular training, proper locks and tags, a standardized procedure, and regular inspections. The safety of workers should always be a top priority, and the LOTO procedure is a critical component of a comprehensive safety program.

Staffing Insurance - Difference between General Liability and Workers' Compensation

General liability and workers' compensation insurance are two different types of insurance that offer different types of coverage. Here's an explanation of the difference between the two:

General Liability Insurance

General liability insurance provides coverage for a business in case of claims for bodily injury or property damage caused to a third party by the business. This type of insurance protects a business from financial losses that can occur as a result of accidents, injuries or damage caused to others by the business operations.

For example, if a customer slips and falls in your store and is injured, general liability insurance would cover the cost of medical expenses, legal fees and any damages that you may be required to pay as a result of the accident.

Workers' Compensation Insurance

Workers' compensation insurance provides coverage for employees who are injured or become ill due to their work. This type of insurance covers medical expenses, lost wages, and other related expenses that are incurred by an employee who is injured or becomes ill as a result of their job.

For example, if an employee falls off a ladder and is injured while performing work duties, workers' compensation insurance would cover the cost of medical treatment and lost wages.

The Key Differences between General Liability and Workers' Compensation Insurance

The main difference between general liability and workers' compensation insurance is that general liability insurance covers third-party claims, while workers' compensation insurance covers employee claims.

General liability insurance protects a business against claims for bodily injury or property damage caused to a third party by the business operations. It is designed to protect the business from lawsuits that can result in financial losses.

Workers' compensation insurance, on the other hand, provides coverage for employees who are injured or become ill due to their work. It is designed to protect employees and cover their medical expenses and lost wages, as well as other related expenses.

In summary, general liability insurance and workers' compensation insurance are both important types of insurance that businesses should have. General liability insurance covers third-party claims for bodily injury or property damage caused by the business, while workers' compensation insurance covers employee claims for injuries or illnesses that occur as a result of their work.

STAFFING WORKERS COMPENSATION INSURANCE

Workers compensation insurance is a vital part of protecting your staffing business. This type of insurance covers medical expenses and lost wages for employees who are injured on the job. It also provides death benefits to the families of workers who are killed while working.

Workers compensation insurance is required in most states, and it is important to make sure that your staffing business is properly insured. There are various workers compensation options available for Staffing Companies from Akker, LLC.

• Guarantee Cost Workers Compensation - $0 Deductible

• Small & Large Deductible Workers’ Compensation

• Staffing Workers’ Compensation Captive

• $0 Down Pay-As-You-Go workers’ compensation

In the United States, there are a number of states that have monopolistic workers' compensation systems. These systems are set up so that only one insurer can provide coverage for workers' compensation set up by the state. The problem with these monopolistic systems is that they often lead to higher costs for businesses when it comes to workers’ compensation. The four monopolistic states are Ohio, Wyoming, Washington, and North Dakota.

---

Here are a few tips to consider when it comes to risk management and safety for your workers’ compensation insurance.

• Make sure all new employees are aware of your company's safety policy and procedures.

• Conduct regular safety training for all employees.

• Encourage employees to report any unsafe conditions or hazards.

• Invest in safety equipment and supplies.

• Regularly inspect your workplace for potential hazards.

• Report workers’ compensation claims within 24 hours of the accident.

By following these tips, you can help create a safe work environment for your employees and lower your workers compensation insurance rates.

Contact our team at Akker, LLC for your staffing workers compensation.

Email - info@akkerins.com

Hiring Remote Employees? Are they covered by Workers Compensation?

In today’s innovative technology work force, more and more employers are hiring their employees for remote positions. Those remote employees who live and work in geographic location outside of the employers business location.

Although hiring remote workers has its advantages for example a wider pool of employee talent and savings on overhead cost of office space.

Some employers come to a surprise when they forget to add their remote employees state to their workers compensation insurance.

An employer should notify its workers’ compensation carrier about the remote work arrangement and the employee’s remote location. In most cases, remote employees will be considered localized in the state where they work remotely. Workers’ compensation coverage obligations and systems vary by state.

For example, Texas has an elective workers’ compensation system which allows employers to opt out of workers’ compensation insurance and allows injured employees to seek general tort damages against their employer. If a remote employee is injured in a work-related accident while working from home, it is still the employer’s responsibility and most states will require proper coverage.

Staffing Risk Tips - Pre-Employment - Staffing Safety Tip

Pre-Employment Physicals

- Pre-Employment physicals are a risk management tool used to screen individuals for risk factors that may limit their ability to perform a job safely and effectively.

- Function testing before starting work can prove essential function capability, limiting the risk of injuries associated with certain jobs.

Pre-Employment Training

- Try to stop the accident from happening in the beginning! You can do this by implementing training videos to make sure that your employees know what kind of work hazards they will be around and how to deal with them properly.

- Make sure that you hold regular training sessions to keep employees up to date on new rules and regulations and remind them of the correct safety procedures.

Healthcare Staffing - Insurance Considerations

Generally, healthcare staffing agencies employ doctors, nurses, nursing assistants, medical technicians, and others as contractors on offsite patient facilities. This presents unique liability conditions that require appropriate insurance coverage. Unlike a medical facility that hires workers directly, agencies face the combined challenge of employing medical professionals and dealing with c-employment laws. Typically healthcare staffing agencies have insurance needs that include:

General Liability

Whether a healthcare agency staff worker at a doctor’s office, hospital or for at-home patient care, general liability insurance is a must. This type of insurance plan protects the agency from onsite property damage or physical injuries sustained at the medical facility and agency office. An agency and its assets are also protected if a client files claim against workers or the agency. With general liability, the agency is covered to defend against such claims whether they are fraudulent or not.

Medical Professional Liability

Medical professionals working for a healthcare staffing agency could face claims of negligence or malpractice. Claims against professional competence are not uncommon and do not exclude healthcare staffing agencies. In a litigious society, the agency must protect itself with a medical professional liability insurance policy. Basically, medical professional liability insurance offers protection for a staffing agency that faces liability claims from a worker’s failure to use due care. Somewhere during treatment, the standard of care that a patient expected was not fulfilled. Any bodily injury that resulted in an act of negligence, along with mental anguish, can be covered under this policy. In most cases, a higher percentage of the premium costs go towards defending a negligence or malpractice claim.

Workers’ Compensation

A workplace injury can occur at any time that an agency places a medical worker on a job. Working around chemicals and medical devices increases the potential for serious accidents. Workers’ compensation insurance can protect workers with guaranteed financial benefits for qualified injuries sustained on-the-job. All states require employers, which include healthcare staffing agencies, to carry workers' compensation insurance.

Also known as workman’s comp, this type of insurance is a compromise between workers and staffing agencies. For workers, they relinquish the right to sue the agency if they suffer an illness or injury while at a client’s worksite. In return, the staffing agency agrees to provide state-mandated benefits as a result of the illness or injury. These benefits may include medical care and a percentage of the workers’ pay.

Fidelity Bonds

If at any time a worker is accused of stealing from one of these workplaces, the staffing agency can be held equally responsible for the worker’s actions. Fidelity bonds, which can be individual, scheduled or blanket, will protect the agency against the costs of theft and subsequent legal actions. Issued as a guarantee for clients against losses that result from worker dishonesty, fidelity bonds are an essential part of the staffing agency’s insurance program.

To receive a Staffing Insurance quote for your Medical Staffing Company contact us today.

Website - www.akkerins.com

Email - info@akkerins.com