TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base...

58
SAFETY TRAINING & ENGAGEMENT PROGRAM CERTIFICATE SERIES STEP UP TO SAFETY MANAGEMENT S. T . E . P . UP TO A SAFER WORKPLACE WELCOME!

Transcript of TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base...

Page 1: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E S

STEP UPTO SAFETY MANAGEMENT

S.T.E.P. UPTO A SAFER WORKPLACE

WELCOME!

Page 2: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Topics• “STEP Up” Series• What’s Your Vision?• Management Roadmap to Success• The 3 R’s Managers Need to Know• Your Resources

Page 3: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

COST OF WORKPLACEINJURIES

A Look at Industry Trends

Page 4: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

What are the costs of Workplace Injuries?Medical costs alone could add up to hundreds of thousands of dollars

*Source: NIOSH

14

Page 5: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

What are the costs of Workplace Injuries?Medical costs alone could add up to hundreds of thousands of dollars

*Source: NIOSH

Page 6: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Top Causes of Workplace Injuries?Medical costs alone could add up to hundreds of thousands of dollars

*Source: Bureau of Labor Statistics

Page 7: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

U.S. Workplace FatalitiesDeaths are on the risethroughout the nation

*Source: NIOSH

5250

2018

5190 5147

20172016

4,836

2015

Page 8: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Safely Home, Everyone, EverydaySafety embedded in culture has significant impact on accident reduction and sustainable performance.

A C C I D E N T S*Source: OSHA

Page 9: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

“S.T.E.P. UP”CERTIFICATE SERIES

Safety Training & Engagement Program

Page 10: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

STEP UP To Safety Management

STEP UP with MOT: Motivation, Observation & Training

STEP UP Your Accident Investigations

STEP UP to a Better Safety Culture

Your STEP UP Safety Programs

1

2

3

4

5

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 11: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Your STEP UP Safety Materials STEP UP Safety Manager’s Workbook Checklist Poster Tips

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 12: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Your STEP UP Safety Certificate Complete all 5 STEPS Receive your STEP UP Safety

Training & Engagement ProgramCertificate!

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 13: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

YOUR SAFETY VISION

It all starts here.

Page 14: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Articulates safety goals and values Builds foundation for safety culture Drives safety at your company Unites workers and managers Drives everyone in unity Directs safety management program

Why is a Safety Vision Important?

Page 15: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Commits everyone to safety An integral part of everyone’s job Eliminates barriers to safety culture

Safety Vision Purpose

Page 16: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

We believe that if you report the little stuff, you can prevent major incidents.

We’re all involved with safety and support each other to be safe.

We’re committed to ensure all employees arrive safely home, everyone, everyday.

Safety Vision Examples

If you have a safety vision…Communicate it!

Page 17: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Having a great partner like ICW Group, we have the resources and people in place to ensure our employees always go home safely at night.”

— Erin Ennis, Executive Vice PresidentResidential Elevators, Crawfordville, Florida

Page 18: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

After this webinar:

Add your Safety Vision to your STEP UP Safety Manager’s Workbook

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 19: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

MANAGEMENT LEADERSHIP

Roadmap to Success

Page 20: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Roadmap for Leading Safety VisionTRAIN

RECOGNIZE

AUDIT

ENCOURAGE

CONTROL

INVESTIGATEINVOLVE

Page 21: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Safety Leadership

In the identification and correction of hazards

PROVIDE TRAINING…

GIVE RECOGNITION…

AUDIT OPERATIONS…

OBSERVE & ENCOURAGE…

CONTROL OPERATIONS…

INVESTIGATE INCIDENCES…

INVOLVE EMPLOYEES…

Periodically to assure compliance with regulations

Safe behaviors, providing feedback and coaching

as reinforcement to those performing their job safely

to assure all employees know how to be safe on the job

by employing safety processes, inspections and maintenance

and near misses, finding root cause and correcting issues

Page 22: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Safety Leadership

Page 23: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

After this webinar:

Add your Leadership Plansto your STEP UP Safety Manager’s Workbook

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 24: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Do I know our safety vision?

Have I assessed the workplace?

Have I planned work so it can be done safely?

Am I informing workers about hazards?

Can I explain safety guidelines to workers?

Am I ensuring workers follow safety processes?

6 Questions for Supervisors

1

2

3

4

5

6

Page 25: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

After this webinar:

Add your answers to theSix Questions for Supervisorsto your STEP UP Safety Manager’s Workbook

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 26: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Helpful checklist Includes main steps to

help guide your team progress

Keeps you on track

Safety Supervisor Checklist

Page 27: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Leading is often about coaching Provide Feedback Address Unsafe behaviors Treat employees as individuals Recognize great safety performers!

Be a Safety Coach

Page 28: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

3 R’S MANAGERSNEED TO KNOW

Page 29: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Manager’s 3 R’s

RISK

REGULATIONS

RATES

Page 30: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Focus on…

RISKREGULATIONS

RATES

Page 31: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Identified, quantified & reduced

ICW Group Risk Framework

Frequency LikelihoodX SeverityX = RISK

Frequency - number of times exposed to hazard Likelihood - chance severity will be realized Severity - consequences of hazard being realized

RISK

Page 32: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Established acceptable risk Lack of planning causes

assumed risk by default Frequency of exposure

increases risk

Identified, quantified & reduced

Acceptable RiskUNACCEPTABLE

RISK

ACCEPTABLERISK

LIKE

LIHO

OD

SEVERITY

ACCEPTABLE RISK MODEL

UNACCEPTABLERISK

ACCEPTABLERISKLI

KELI

HOOD

SEVERITY

RISK TAKER

UNACCEPTABLERISK

ACCEPTABLERISKLI

KELI

HOOD

SEVERITY

RISK ADVERSE

RISK

Page 33: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Assuming risk due to: Unaware Incorrect assessment

Most dangerous as organization fails to planFormal process needed

Assumed Risk by DefaultRISK

Page 35: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Medical CostsLost Wages

Lost ProductionLitigation CostsE-Mod Impact

Lost WagesPoor MoraleOSHA finesAdmin timeRe-trainingRe-hiringOvertime

Indirect Costs = $$$

up to

20xmore than direct costs

RISK

Page 36: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

After this webinar:

Add your thoughts toHow indirect costs might impact your bottom lineto your STEP UP Safety Manager’s Workbook

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 37: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

The Accident TriangleRISK

Fatal

10 Time Loss Claim

100 Medical Visits

1000 Near Miss Accidents

10,000 Unsafe Acts and Conditions

CHASING SAFETY

RESPONSIVE

PREVENTIVE

Page 38: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Limited controls –training only & PPE

Compliance based –OSHA fall protection

standard

100% Tie off when feet 6’ off the ground

Installation of permanent anchorage points, fixed

permanent work platforms

Substitution of processes to reduce the frequency and likelihood of falls

Elimination of all elevated work

RISK

“Best In Class” - Control Hierarchy

Page 39: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Times exposed to activity Accident likelihood each time Severity of injury if accident

Risk ReductionGOAL = SIGNIFICANTLY REDUCE RISK

A C C I D E N T S

RISK

Page 40: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Focus on…

RISK

REGULATIONSRATES

Page 41: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

OSHA (Cal-OSHA & state OSHA) Department of Transportation (DOT) Cal-EPA, EPA, State - EPA Joint Commission ANSI Manufacturer Requirements

Safety RegulationsREGULATIONS

Page 42: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Injury & Illness Prevention Program Hazard Communication Lockout – Energy Control Ladders & Walking Surfaces Machine Guarding Blood borne Pathogens Respiratory Protection

Specific Workplace Program RegulationsREGULATIONS

Page 43: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Joint Commission Equipment procedures

Facility Safety Programs Manufacturer Requirements for

maintaining equipment Construction Site Plans Contractual Requirements

Other RegulationsREGULATIONS

Page 44: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Focus on…

RISK

REGULATIONS

RATES

Page 45: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Losses, frequency & severity Ex-Mod = Experience modification factor Can increase OR decrease premiums!

What Impacts Your Premiums? RATES

More than 100% (1.0) = IncreaseLess than 100% (1.0) = Decrease

Page 46: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Ex-Mod Calculation

2016 2017 2018 2019 2020

Period of experience used to determine Ex-Mod

Period NOT used

Current Policy

Ex-Mod

Frequency

SeverityActual Loss vs. Industry TrendPayroll

4-Years (Policy Year)

RATES

Page 47: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

If base premium of $100,000…

.75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000

Experience Modification Example RATES

Page 48: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

ComplianceEx-Mod 1.0+

ManagementEx-Mod .75 to 1.0 Best Safety Culture!

Ex-Mod below .75

What Drives Safety at Your Company?

UnawareEx-Mod 1.5+

RATES

Page 49: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

After this webinar:

Add your Ex-Mod Numberand your Ex-Mod Goalto your STEP UP Safety Manager’s Workbook

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 50: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

With ICW Group, our ex-mod went from 1.12 to a projected .85, which means we’ll save roughly 25% on our upcoming renewal.”

— Chris Malec, VP FinanceJAC Masonry, Inc., Lake Villa, IllinoisRATES

Page 51: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

SAFETY TRAINING & ENGAGEMENT PROGRAM C E R T I F I C A T E S E R I E SS.T.E.P. UP

TO A SAFER WORKPLACE

YOUR S.T.E.P. UP SAFETY RESOURCES

Visit the Policyholder Center!

Page 52: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Claims kit Payments / Payroll Injured Worker Resources Fraud Safety > Webinars

Policyholder Website

icwgroup.com/pc

Page 53: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

STEP UP Materials Safety Program Manual Safety Manager Checklist Safety Assessment Be a Safety Coach

Policyholder Website

icwgroup.com/pc

Page 54: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Be sure to complete your “STEP UP” Safety Manager’s Workbook!

Get a “STEP” packet at each webinar

Policyholder Website

icwgroup.com/pc

Page 55: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

STEP UP To Safety Management

STEP UP with MOT: Motivation, Observation & Training

STEP UP Your Accident Investigations

STEP UP to a Better Safety Culture

Your STEP UP Safety Programs

1

2

3

4

5

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 56: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Watch for Exit Survey after this presentation

For the Series Certificate, please listthose at your company who attended with you!

Make sure they register next time

Certificate SeriesS.T.E.P. UPTO A SAFER WORKPLACE

Page 57: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Questions?

[email protected]

Page 58: TO A SAFER WORKPLACE - ICW Group...Payroll Industry Trend 4-Years (Policy Year) RATES. If base premium of $100,000… .75 Ex-Mod = $75,000 1.25 Ex-Mod = $125,000 Experience Modification

Thank you!

Webinar series materials:icwgroup.com/STEP-UP