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lady fallen on floorBusiness owners have to watch every cent they spend. Faced with expenses at every possible turn, thoughts of how to reduce business costs are ever-present. In particular, costs that don’t produce revenue are a source of pain for business owners. They understand the significance, but may be leaning towards canceling subscriptions or their business insurance like workers compensation insurance.

Businesses Need Workers Compensation Insurance

Although required by law for most companies, some businesses cancel their workers compensation insurance. Without workers compensation insurance, businesses are at an even greater financial risk. If an employee is injured on the job and the employer doesn’t have workers comp, the employer may be responsible for all of their lost wages. Employers may also face fines, and the business will likely still have to purchase workers comp insurance.

Reduce the Cost of Workers Compensation Insurance

Instead of exposing businesses to such severe financial ramifications, business owners should consider ways to lower the cost of their workers compensation insurance. By lowering their costs, they remain compliant and their employees continue to benefit from the policy.

Improve Safety Programs

Comprehensive safety programs go a long way when it comes to reducing accidents and injuries at work. A comprehensive safety program establishes a course of action for employees when they are working with machinery and hazardous chemicals. A great safety program also has employees checking on other employees throughout the day to ensure they are following safety protocols. By implementing a system that is constantly looking for ways to improve the business, employers will see a significant drop in accidents.

Provide Great Healthcare

When an employee is injured on the job, they need to get medical treatment for their injuries. Beyond the initial treatment, employees can go to any health care provider they deem fit. However, without great health insurance, they may not go to the doctor as frequently as they should, which may increase their recovery time.

Impose Random Drug Tests

Drugs in the workplace undermine your efforts. In particular, individuals who may be using illicit drugs can be a financial risk for businesses. People who are on drugs at work may not be able to respond quickly to danger, or they may lack judgment and place another employee in danger. By imposing random drug tests, many businesses see a significant improvement in their safety program.

Find out if you can save today. Call Raymond Longoria Insurance at (888) 296-0345 for more information on Laredo workers compensation insurance.
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Raymond Longoria Insurance
2025 N Conway Ave
Mission, TX 78572
Phone: (956) 581-1034
Toll-Free: (888) 296-0345