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Risk managementThe Study That Should Have Changed Workers’ Comp Forever
A buried 2012 OSHA white paper proves comprehensive safety programs reduce workers' comp claims by 52%, claim costs by 80%, and lost time by 87%. The evidence isn't just strong. It's overwhelming.
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Risk managementThe Difference Between Hazard and Risk
Understanding the critical differences between hazards and risks, and how risk management operates at the organizational level versus safety management at the operational level.
Read MoreFree Safety ROI Calculator — Discover the Shocking Financial Impact of Workplace Safety
Use the free Safety ROI Calculator by Smarter Risk to instantly see how much workplace safety programs can save your business. Calculate potential savings from reduced claims, lower premiums, and improved productivity.
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Lagging Indicators for Safety: Reviewing Past Incidents for Prevention
Analyze lagging safety indicators including OSHA logs, incident rates, loss runs, and corrective actions to prevent future workplace accidents.
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Stop Workers’ Compensation Fraud: Guide to Spotting and Preventing Fake Claims
Identify and prevent workers' comp fraud with detection strategies, investigation techniques, documentation best practices, and fraud prevention policies.
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Prevent Lawsuits and Reduce Workers Comp with Certificate of Insurance Management
Protect your business from lawsuits and higher workers' comp costs by managing Certificates of Insurance (COI) and contractor compliance.
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Improve Your Commercial Insurance Application (ACORD 125) with a Great Description of Operations
Write compelling ACORD 125 descriptions highlighting risk management, safety programs, and operational excellence to secure better insurance rates.
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What Are Leading Indicators for Safety? A Guide for Business Owners
Understand leading safety indicators including training completion, inspections, near miss reporting, and proactive safety measures for prevention.
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13 Ways to Reduce Business Insurance Costs Through Risk Management
Lower insurance premiums with proven risk management strategies including safety programs, training, assessments, and claims management practices.
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Fire Safety: 9 Tips to Reduce Insurance Costs
Reduce fire risks and insurance premiums with essential fire safety measures including sprinkler maintenance, inspections, and emergency planning.
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