Workers’ Compensation Defined

Workers’ Compensation is coverage purchased by the church that provides insurance if employees are injured while on the job. Most states require that employers purchase the insurance on behalf of their employees.

Workers’ compensation costs can make up a large portion of churches operating costs. It is beneficial for employers to find methods of reducing both the direct and indirect costs associated with workers’ compensation.

Workers’ Compensation Cost Reduction Methods

Selecting the right carrier. Not all insurance companies are created equal. Does the carrier have experienced loss control and claims professionals? Low rates can mean the insurer does not have quality support; and if the claim goes bad due to lack of supervision, you will end up paying more in the long run. We recommend Brotherhood Mutual.

Does your church have an up to date safety and return to work program? This is critical in the management of the injury and post-accident process. Getting injured workers back to work as soon as medically possible is very important and can reduce indemnity costs.

Provide ongoing staff training. Keeping all employees informed and part of the process will make them feel invested in the long term benefits of your safety program.

The small amount of money you spend on these items will have a positive impact on your overall costs.

Tags: church liability insurance, Workers safety program

This entry was posted on September 21, 2015 at 11:57 pm. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Posted in Church Insurance Church Risk Church Safety by Scott Stuart Comments Off on How To Reduce Your Churches Workers’ Compensation Costs