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Workplace Safety guides
How CSA scores and safety ratings affect trucking insuranceWhat FMCSA's CSA percentiles and safety ratings measure, which thresholds trigger alerts, how underwriters use the data, and how to challenge and improve yours.Driver selection, MVRs and your commercial auto premiumHow motor vehicle records, driver standards and annual reviews shape commercial auto pricing and liability, plus the FMCSA hiring rules and FCRA steps for MVRs.The experience modification rate (EMR) explainedHow the NCCI experience mod is calculated from payroll and losses, which policy years count, why frequency outweighs severity, and how to check your worksheet.Building a fleet safety program that insurers noticeThe parts of a fleet safety program, which FMCSA rules apply to which vehicles, and what underwriters look for in driver standards, maintenance and crashes.Heat illness, workplace heat rules and workers' compWhere OSHA's heat rule stands in October 2026, which states already regulate heat, and how heat illness claims reach your comp policy and experience mod.How to lower your workers' comp costsWays to reduce workers' comp premium: correct class codes and payroll, prevent and manage claims, protect your mod, and choose the right program structure.Insurance loss control inspections: what to expectWhat an insurer's loss control inspection covers, the policy wording behind it, how to prepare, how to answer recommendations and what ignoring them can cost.OSHA recordkeeping, injury rates and insuranceWhich injuries go on the OSHA 300 log, how TRIR and DART are calculated, and how underwriters, contract owners and your experience mod read the numbers.Reporting a workplace injury: what employers must doWho you must tell, and how fast: OSHA's 8- and 24-hour rules, the carrier and state first report, Forms 300 and 301, and why deadlines differ by state.Building a workplace safety program that cuts claimsHow to build a written workplace safety program with OSHA's seven core elements and the hierarchy of controls, and what insurers and state credits look for.Workplace violence prevention and insuranceOSHA has no workplace violence standard, but California and New York do. How a prevention program works and which policies respond when violence happens.