Every business will require a safety plan tailored to the company’s specific requirements. Employers must provide full work injury compensation as required by the Work Injury Compensation Act (WICA) or WICA insurance legislation. Conduct risk assessments in policies to highlight key safety issues. Begin by reviewing old documents, previous OSHA infractions, worker’s compensation claims, or any documented injuries.
According to the National Safety Council, an employee is injured on the job every seven seconds. Workplace injuries affect not only the employee but also their coworkers and the company. Fortunately, organizations can take safeguards to help prevent these most common workplace injuries. Among these injuries are the following:
Falls and Slips
Slips and falls are a significant liability for a business. A person can fall and hurt their head, injure their back, or fracture a bone.
To avoid slips and falls, remove spills quickly, use good signage to indicate a wet floor, provide handrails in high-trafficked sections of the workplace’s stairs, and urge employees to wear non-slip shoes or soles if applicable.
Employees straining their back or neck are among the most common occupational injuries. Employees who attempt to lift products or delivery without the right technique or equipment are more likely to strain.
Where practical, recommend safety belts, back braces, and lifting aids. Employees should be trained in smart lifting procedures, and instructional materials with reminders about proper lifting techniques should be posted throughout the workplace.
Injuries from Repetitive Use
Administrative, industrial, and processing duties can all cause repetitive use injuries. However, any movement performed all day, numerous days a week, without recovery, might result in a repetitive use injury.
Regular breaks and ergonomic workspaces based on employee size and stature aid in injury prevention. Employees encouraged to preserve their physical health through annual physicals, or preventative health programs are less likely to get long-term repetitive usage injuries.
Employees have been known to be injured by letter openers, box cutters, and sharp edges on office equipment, necessitating a workers’ compensation claim.
Cut prevention can begin with good tool training and limiting where and what equipment, such as box cutters, can be used. Keeping workplace equipment and furnishings in good condition also helps to avoid dangerous edges and lacerations.
Accidents and Collisions
Driving forklifts, visiting clients in personal or corporate cars, and trailer operators are all prime examples of work-related accidents and crashes. Collisions and wrecks in small mobile machines or vehicles are not insured by commercial vehicle insurance if the person is on the job. These claims might raise workers’ compensation insurance premiums.
Background checks on a candidate’s driving history, regular drug testing, and training on corporate equipment all contribute to reducing collisions and crashes. Encourage staff to take breaks when they become fatigued on the road to avoid dangerous occurrences and accidents.
Workplace Injuries Compensation
As an employer, you must provide insurance coverage for all employees who perform manual labor and non-manual workers who earn S$1,600 or less per month.
You are also accountable for claims under the Work Injury Compensation Act (WICA) and common law for all employees, regardless of whether they fall into one of the above-mentioned categories. As a result, Chubb created the Chubb Work Guard to protect your liability while providing value-added services.
Additional WICA insurance features from leading providers include:
- Chinese Traditional Medicine
- Staff replacement / recruitment costs
- Funeral expenses
- Constant international bed confinement
- HIV infection by accident
- Terrorism benefit: Injury
- Terrorism benefit: Witness
- Workplace trauma benefit
- 24-hour coverage for international business trips
- Traveling to and from work (except two-wheelers)
- Contingent responsibility to independent contractor
Preparing to deal with workplace injury will make the process less overwhelming. So, before your employees suffer an injury, create an injury care plan, comply with the law by obtaining WICA insurance, and begin communicating with them.