As a leader, the safety of your employees is your top priority. But we get it - you have a lot on your plate. We've got you covered with interviews and insights to help you build a safer workplace. Published monthly by Missouri Employers Mutual and Previsor Insurance.
Most business owners know that payroll affects their work comp premium. Did you know it also determines who's covered if an injury happens? From naming the wrong business entity to classifying subcontractors, payroll mistakes can create coverage gaps and surprises at audit time. MEM Underwriting Specialist Tammy Canton shares how to protect your business with accurate reporting and proactive communication.
Workplace hazards like noise, chemicals, and poor air quality often go unnoticed until employees develop serious symptoms. These invisible risks can lead to permanent health conditions and costly work comp claims. Industrial hygiene specialist Rhonda Kaufman explains how to identify hidden workplace hazards, address them cost-effectively, and protect your most valuable asset – your employees – before they suffer permanent health is...
In the world of workers compensation, loss runs affect a business's risk evaluation. Underwriters look carefully at a company's claim history. This process gives them an understanding of how frequently claims are happening, how severe they are, and if a business is putting effort into reducing workplace risk. Learn the differing impact of claim frequency versus claim severity on a business' s risk evaluation with Becky Duello, Seni...
For many policyholders, the thought of a visit from a loss prevention or safety consultant feels intimidating. It's easy to assume a visit like this is all about finding mistakes or pointing out what's wrong. But these visits aren't about catching business owners off guard; they are about helping them succeed. Learn how customized recommendations make workplaces safer, reduce claims, and save businesses money with Tim Wilson, Safet...
Many employers have misconceptions about how workers compensation actually works. Some don't understand what types of injuries are covered. Others aren't sure how claims impact their business - or how they can be involved in the process. These misunderstandings can lead to costly mistakes and missed opportunities to improve workplace safety. Separate work comp fact and fiction with Matt Speight, President and CEO of the Scott Agenc...
Organizations are always looking for ways to be more efficient. While some of those efficiencies are gained through changing standard operating procedures, others come from technological advancements. Learn how artifical intelligence (AI) is set to change the work comp claim process, lowering costs and improving overall outcomes with Mark Phillips, Director of Claims at MEM.
If you're a business owner, you know that workers compensation isn't just a policy. It's a tool to protect your employees and your bottom line. But what happens after you receive your policy? How can employers control work comp costs and set themselves up for a smooth renewal at the end of the year? Follow each step of the policyholder journey and discove how to personalize your work comp experience with Lacey Hahn, Customer Engage...
A claim that lingers for months—or even years—can create uncertainty, increase costs, and impact both the injured worker and the business. Several factors can keep a claim open longer than expected, such as medical complications or legal roadblocks. Learn why claims are often delayed, and what employers can do to help keep the process moving, with Shannon Fox, Claims Operations Manager at MEM.
Slips, trips, and falls are a persistent problem across industries. Despite extensive studies, detailed recommendations, and countless safety initiatives, these incidents continue to rank as the number one cause of workplace injuries. Learn how these safety risks can be symptoms of an unhealthy company safety culture with Tim Wilson, Safety and Risk Services Regiona Manager at MEM.
Year over year, new hires account for many on-the-job injuries. With increased turnover and higher expectations, employers often expect new hires to get right to work without proper onboarding and training. Expecting a new hire to use "common sense" while working is not a safety strategy. Learn how to properly onboard new hires and set them up for success with Sheila Schmidt, Safety and Risk Services Manager at MEM.
Across industries, many companies share a commonality: a multigenerational workforce. Whether it's fresh-from-school Gen Z new hires to seasoned baby boomers, employers face the challenge of creating a safety program that works for everyone. Learn how to bridge the gap between generations - and keep everyone safe - with Curt DeWeese of Briotix Health.
Every business faces safety challenges. For some companies, addressing those challenges can become difficult or cumbersome. The cost could potentially grow too high for them to afford. MEM offers an opportunity to help offset those costs and tackle safety challenges head-on. Discover how MEM's Safety Grant program offers businesses the opportunity to offset costs and tackle safety challenges head on with Tisha Greco, MEM's Resource...
In today's workplace, safety isn't considered a "sexy" topic. Some employers consider safety communication challenging, unengaging, and not always very impactful. What if there was a better way to engage employees? Learn how to plan your safety communication strategically and take your audience into consideration with Blaine Hoffman, host of the Safety Pro Podcast.
Consistent safety training is essential to protecting employees. Not only does it help prevent on-the-job injuries, but it also controls work comp costs. While much of today's training is regulatory or an industry requirement, it isn't always engaging. As a consequence, employees may unplug and miss critical information. Learn how fidget toys, and their alternatives, are increasing engagement and retention with Caitlin McNeese, own...
At some point in our lives, we all experience aches and pains. Often, these pains are temporary. But at other times, the discomfort eventually becomes a part of our everyday lives. Understanding the source of the pain is important, but so is addressing it before it becomes difficult to manage. Learn the importance of early intervention in preventing future pain with Lori Frederic, founder of Balance Biomechanics.
Many of MEM's policyholders have found ways to go above and beyond keeping their employees safe - they help them work with confidence. At one organization, safety isn't just a concept - it's a core value and a daily commitment made by each employee. Discover why Watson Concrete has become a standout in its industry for its safety culture with its owner, Mark Watson.
Farmers kickstart the journey many essential goods make from the field to the table. While farming is the backbone of many communities and economies, it is also one of the most dangerous professions. From heavy machinery and hazardous chemicals to unpredictable weather conditions, farm workers face safety risks at every turn. Learn how to reduce risk and introduce innovation with Brad Minor, Senior Safety and Risk Consultant at MEM...
Injuries and emergencies happen in the workplace. Critical minutes pass between calling for help and first responders arriving. First aid skills, such as CPR and giving rescue breaths, often make the difference between life and death. Learn the invaluable role of healthcare literacy for employees with Drew Toma, career paramedic, educator, and creator of Save with CPR.
As costs continue to rise, many business owners are looking for ways to save money and confirm their expenses reflect their priorities. Most businesses are legally required to have workers compensation insurance. Payroll and employee classifications play an important role in how much work comp premium costs. Learn why keeping accurate records is essential and can save you money on premium with Tina Austin, Premium Consultant Superv...
Planning ahead for workplace incidents is an essential task for any business. Despite safety rules and risk reduction, getting injured on the job is still a possibility. Emotions run high in the immediate aftermath of an injury. Learn how to put a plan of care in place ahead of time with Lyndi Barthel, Manager of Medical Services and Case Management at MEM.
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