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Workers' compensation

We know that workers' compensation is one of the most challenging risks to manage. It's heavily regulated, varies by state, cumbersome to administrate and can greatly impact your company's operations, productivity and profitability. Get your employees back on the job quickly and safely, with cost-reduction efforts activated at all possible points along the way.

Why Zurich?

Zurich provides workers' compensation coverage in all non-monopolistic jurisdictions, and through our Stop Gap coverage and global capabilities, we can offer service no matter your employees' location. If you have a claim, we give you and your employees fast, responsive claim service managed by a workers' compensation specialist who knows the jurisdictional issues. Our in-house managed care and return to work services, litigation management, special investigations and recovery services help you get employees back on the job quickly and safely, with cost reduction efforts activated at all possible points along the way.

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Absence, Health and Productivity Services

Woman with water bottleToday more than ever, companies need to keep their workforce productive and their workers’ compensation costs down. Helping our customers do this through our Absence, Health and Productivity Services is a customer HelpPoint that Zurich Services Corporation takes pride in because it benefits everyone—employees can avoid injuries and improve their health, and employers keep their businesses running smoothly and profitably.

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Knowledge Hub: Workers' compensation

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Job Analysis

Before you ramp up your hiring efforts, you should conduct a thorough job analysis for each position, including physical job demands, and make sure they're kept current and referred to during the hiring process. A few of the benefits of performing systematic job analysis include the following:

  • Reduces the risk of excessive lost-time claims for work-related injuries by clarifying physical demands and essential job functions
  • Facilitates return-to-work by improving communications between employer, employee and the treating healthcare provider
  • Covers various legal obligations, including compliance under the Americans with Disabilities Act Amendments
  • Defines performance expectations for new and existing employees

Recruiting and interviewing

Hiring qualified candidates can have a direct impact on your workers' compensation costs. If you've conducted a thorough job analysis, it will help you create a more detailed job description which can, in turn, help you develop interview questions that will help you find more qualified candidates.

There are many other steps you can take to recruit and hire more effectively and reduce potential insurance losses, both workers' compensation and employment practices liability. Some tips to keep in mind:

  • Recruit with regulators in mind and be up-to-date on regulatory standards.
  • Conduct interviews appropriately, communicating expectations clearly and giving specific job descriptions and qualifications.
  • Administer tests carefully and establish a policy for background checks, testing and other selection procedures to assure consistency.
  • Be sure company policy covers the protection of personal information.

Hiring and regulatory compliance

Employment law and regulation is one of the most complex issues employers face. Failure to comply can cost you dearly in the form of fines, litigation and costs to demonstrate compliance. You should be considering the impact of employment regulations on every step of the hiring process.

Recent changes in federal legislation, particularly the Americans with Disabilities Act Amendments of 2008 (ADAA) and the Genetic Information Nondiscrimination Act of 2008 (GINA) have a significant impact on the hiring process.

Helpful Links: GINA Resources

Helpful Links: ADAA Resources

Pre-employment and post-offer testing strategies

A good pre-placement and post-offer testing strategy can help you place the right people in the right jobs.

By properly implementing these practices, you can benefit in a variety of ways, including:

  • Reducing injuries on the job
  • Producing higher productivity for the workforce
  • Increasing employee retention
  • Reducing turnover costs (hiring, training, etc.)
  • Using objective data for hiring, which increases defensibility with future injuries
  • Comparing an employee's current status (when injured) with his/her initial status at time of hire

Orientation and training

A well-planned and effectively executed employee orientation and training program can help improve the stability and productivity of your workforce and help minimize the costs associated with turnover and employee injury.

Effective orientation can help reduce the time and cost required to get employees to the point where they can begin making productive contributions to your organization. Good training helps you make the most of your workplace investment by making employees feel valued, increasing their productivity and efficiency, achieving consistent performance and assuring regulatory compliance.

Helpful Links