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Safety and Loss Prevention Services
Addressing safety and health issues on the farm and in the workplace is in everyone’s best interest; our economy, our community, our fellow workers, and our families. Rural Mutual Insurance offers safety and loss prevention services to the businesses we insure to reduce the potential for injuries, illnesses, and property losses.
Direct and Indirect Costs
Addressing safety and health issues in the workplace saves employers money and adds value to the business. When workers stay whole and healthy, the DIRECT cost-savings to businesses include:
- Lower Worker's Compensation Insurance Costs
- Reduced Medical Expenditures
- Smaller Expenditures for Return-to-Work Programs
- Higher Quality Products
- Reduced Overtime Expenses
Safety and health also means big reductions in indirect costs, which can be up to 5 times higher than the direct costs. Typical INDIRECT costs include:
- Lower Productivity
- Product Defects
- Decreased Morale
- Reduced Labor/Management Relations
- Increase in Turnover
- Employee Re-training
- Damage to Equipment or Vehicles
- Lost time Due to Investigating and Managing the Incident
The direct and indirect costs of workers compensation and injuries have a big impact on business profits and resources.
Through a relationship with Rural Mutual Insurance, you will benefit from access to safety and loss prevention expertise and educational materials.
To discuss your safety and loss control needs and to learn more about our services, please contact your local Rural agent.
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