Put simply, establishing and maintaining a safety program with your team may reduce losses, which reduces your workers' compensation premium over time. To get started:
1. Assess your workplace, and identify known hazards and risks
2. Develop written programs and a process for when accidents occur
3. Provide safety training to your employees, educating them on what to do if an accident occurs
4. Clearly post safety protocol for handling equipment and hazardous materials
5. Create a safety committee, focused on continuous monitoring and improvement of the program
Here are some examples of safety work programs provided by the US Department of Labor, which can reduce your premium over time.