Sponsored Content by Travelers

Safety Risks in the Changing Workplace

Small businesses can remedy these critical safety risks in the modern workplace.
By: | August 8, 2017 • 5 min read

The age spectrum of the American workforce is widening. Older, retirement-eligible employees are staying on the job longer, sometimes due to financial constraints, and sometimes simply because they want to. Meanwhile, Millennials are making up a larger proportion of payrolls. By 2025 this generation will constitute 40 percent of the American workforce.

The definition of a “workplace” is also expanding. Technology is revolutionizing where, when and how we work, with more employees doing their jobs from home or on the road. While these changes can certainly open up business opportunities, their convergence also increases risk for unprepared employers.

“As the workforce changes, workplace safety risks are also morphing,” said Woody Dwyer, Workers’ Comp Lead, Risk Control, Travelers. “These changes mean employers have to adjust the way they think about keeping workers safe and well.”

In particular, small businesses face unique challenges, balancing safety and wellness against operational needs while they fight to stay competitive. But even they can leverage limited resources to improve safety for employees no matter where, when or how they work.

Here are some ways to remedy key safety risks in the modern workplace:

Safety Risk #1: A Changing Workforce

Woody Dwyer, Workers’ Comp Lead, Risk Control

The average age of the American worker is slowly moving upward as Baby Boomers delay retirement. While employers get to hold on to the knowledge, skills and expertise of their veterans a little longer, they also have to consider safety challenges that become more prevalent with older workers.

“Injury frequency and severity are higher for both new, young workers as well as older, retirement-eligible workers,” Dwyer said. “But the two groups may have different experiences and different mindsets, so their attitudes toward and awareness of safety might be different. Therefore, you need to tailor training differently.”

Remedy: Though the approach may vary, it all comes down to training and reinforcing the safety expectations and culture.

“For an older population, practicing the principles of ergonomics can be impactful,” Dwyer said. Continual safety training and instruction around proper ergonomics is paramount, even for longtime employees. Employers shouldn’t assume that more experienced workers know how to move safely. Reinforcements, reminders and course corrections have value.

“Different companies have different safety practices, and the physical capabilities of workers nearing or past retirement age will be different from those of a recent graduate,” Dwyer said.

With young workers, building safety awareness can begin even before hiring.

“Job descriptions should reflect an emphasis on safety. And behavioral interviewing can identify safety-minded candidates, by asking them how they have responded to risk in previous work scenarios,” Dwyer said.

Carrying through an emphasis on safety during onboarding also drives the message home for younger and older workers alike. Onboarding should consist of hands-on training and practice. For a small retail store, for example, this could include practicing proper reaching and lifting techniques, and safe ladder use.

Safety Risk #2: Tech Revolution

Wearables and sensors have become popular tools for both safety and wellness.

On construction sites or in manufacturing, for example, proximity sensing can alert a worker if they are too close to a piece of machinery or moving equipment, or let a supervisor know if a worker has fallen. There are many sensor-based safety devices on the market, many of them wearable. Wearable fitness trackers and sit-stand desks have also gained popularity as tools to promote overall wellness in the workplace.

Small businesses may be more likely to take advantage of these latest tech tools because they aren’t encumbered by large, complex existing systems; they can change and adapt more easily. And incorporating cutting edge tech can also help to attract talent.

But there is risk involved if these companies don’t do their due diligence.

Remedy: “Be a smart consumer of technology,” Dwyer said.

“Will a piece of technology provide long term value for you? How will you implement it? How will you store and protect the data?  Will your workers accept it?” There are generational differences in attitude toward any type of tracking device. Millennials are more willing to give up personal data if they can see a benefit in it.

Employers can also provide guidelines on how to use new tools. For sit-stand desks, for example, workers should switch positions regularly to minimize stress on the body. Using a foot bar when standing can also help to take pressure off the lower back.

“Some reports say sitting is the new smoking, but standing for long periods is not good for the body either,” Dwyer said.

Safety Risk #3: Open to Distraction

Open workspaces foster collaboration — but can also usher in distraction. Especially in an office setting where workers may be on the phone frequently, an open workspace can be counterproductive.

The more distracted workers are, the more susceptible they may be to slips, trips and falls — one of the most common causes of workplace injuries.

Remedy: Dwyer recommends having designated quiet work areas where employees can escape the noise.

Companies should also have policies to restrict the use of mobile devices in hazardous work areas such as active construction sites, manufacturing areas, or while driving.

“Cubicle and desk design matter in an office setting, too,” he said. “Consider the design and layout of your floor plan, and work with your furniture vendor to make sure everyone will have the space to do their jobs comfortably.

Safety Risk #4: Borderless Business

Thanks to cloud technology and globalization, everything is interconnected, and even small businesses are likely to have some type of international footprint. Which means more trains, planes and hotel stays for employees.

Travel imposes its own stresses on the body and can cause extra fatigue. It might involve late-night driving or being in unfamiliar environments, which increases risk of injury.

Controlling workers’ environments while they’re on the road may not be possible, but employers can provide training to improve safety and security awareness while traveling.

Remedy: “Ergonomics and situational awareness matter out of the office too,” Dwyer said.

To help workers cope with fatigue and navigate unfamiliar places, companies should schedule work to help avoid late hours while traveling and encourage employees to get adequate rest before driving. They can also encourage mindfulness.

“When in strange new places, you need to have a heightened sense of awareness and alertness because you can’t count on the familiar to keep you safe,” Dwyer said.

Even in familiar settings, applying ergonomics reduces risk of injury.

“Use rolling bags when possible, or backpacks that distribute weight evenly, which can reduce pressure on the back when you’re traveling all day. Proper footwear also helps to improve comfort and to reduce the risk of slips, trips and falls,” he said.

Hotel rooms and meeting areas may also be more dimly lit. Workers on the road can protect their eyes by seeking spaces with proper lighting.

Address Evolving Risks through Ongoing Engagement

These are just four of the challenges small businesses will face as workplace and workforce risks continue to evolve, but these and many workplace safety risks can be mitigated in part by a focus on overall well-being.

In addition to providing safety training, implementing new tools and technologies, and developing policies and procedures, investing in employees’ wellness also builds trust and loyalty while helping to prevent injuries. As rising medical expenses drive up claims costs, prevention can help win the day for small businesses with little margin to spare.

“Many small businesses think they don’t have the money for wellness programs, but it can be done in small and simple ways,” Dwyer said.

Offering biometric screens at work, organizing company walks, working with local gyms to provide discounts, or simply gathering resources on wellness for employees to access on their own can benefit employees’ health.

Investing in wellness initiatives can in turn improve employee engagement with other efforts around ergonomics and safety.

Travelers helps small businesses effectively improve workplace safety by attracting and hiring safety-minded candidates, onboarding and training new employees, and continually supporting and engaging those employees through Travelers Workforce AdvantageSM, its comprehensive approach to safety and workers’ comp management.

“The approach hits the three key areas where employers can maximize their safety message: hiring, onboarding and training, and continual engagement,” Dwyer said. No matter how the workforce and workplace continue to evolve, putting safety first will always pay off for employers.

To learn more, visit https://www.travelers.com/resources/workplace-safety/helping-employers-manage-a-safer-workforce.aspx.

SponsoredContent

BrandStudioLogo

This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Travelers. The editorial staff of Risk & Insurance had no role in its preparation.




The Travelers Companies, Inc. (NYSE: TRV) is a leading provider of property casualty insurance for auto, home and business. A component of the Dow Jones Industrial Average, Travelers has approximately 30,000 employees and generated revenues of approximately $28 billion in 2016. For more information, visit www.travelers.com.

Risk Management

The Profession

As risk manager for a cloud computing and software company, Laurie LeLack knows that the interconnected economy and cyber security remain top risks.
By: | December 14, 2017 • 4 min read

R&I: What was your first job?

One of my first jobs was actually at a local insurance agency when I was a high school student, before I had any idea I was going to get into insurance. After college, I was a claims analyst at Sunbeam.

R&I: How did you come to work in risk management?

I fell into it after college, where I studied international business. I had a stack of resumes, and Sunbeam came to Florida from Rhode Island, so I applied. I interviewed with the director of risk management and just stuck with it and worked my way up.

R&I: What is the risk management community doing right?

Advertisement




Getting a holistic view of risk. Risk managers are understanding how to get all stakeholders together, so we understand how each risk is aligned. In my view, that’s the only way to properly protect and serve our organizations.

R&I: What could the risk management community do better?

We’ve come a long way, but we still have to continue breaking down silos at organizations. You also have to make sure you really understand your business model and your story so you can communicate that effectively to your broker or carrier. Without full understanding of your business, you can’t assess your exposures.

R&I: What was the best location and year for the RIMS conference and why?

Being on the East Coast, I like Philadelphia.

Laurie LeLack, Senior Director, Corporate Risk and Americas Real Estate, Citrix Systems Inc.

R&I: What’s been the biggest change in the risk management and insurance industry since you’ve been in it?

Organizations understanding their cyber risk exposures and how this line of insurance can best protect them. Five to ten years ago, people shrugged it off as something just for technologies companies. But you can really see the trend ticking up as a must-have. It was always something that was needed, but people came to their own defining moments as we got more involved in electronic content and social media globally. Cyber risk is inherent in the way we do business today.

R&I: What emerging commercial risk most concerns you?

The advent of security and contractual obligations. These are concerns as we all play a part in this big web of a global economy. There’s that downstream effect — who’s going to be best insulated at the end of the day should something transpire, and did we set the right expectations?

R&I: Is the contingent commission controversy overblown?

Advertisement




I think so. At the end of the day, it’s all about the transparency you’re getting from the people you work with. I think some best practices in transparency came out of the situation, but we were working on a fee basis, so it wasn’t as much of an issue for us as it may have been for other companies.

R&I: Are you optimistic about the U.S. economy or pessimistic and why?

I’m cautiously optimistic. We seem to be stable in terms of growth, and I’m hoping that the efficiencies and the economies of scale we achieve through technology will benefit us. But I’m also worried about the impact that could have on the number of jobs globally.

R&I: Who is your mentor and why?

Robert O’Connor, my former director when I was first on-boarded at Sunbeam, gave me so many valuable tidbits. I’ll call him to this day if I have an idea I want to bounce off him. He’s a good source of comfort and guidance.

R&I: Of what accomplishment are you most proud?

I have two very empathetic, healthy and happy boys. Eleven and soon-to-be 14.

On the professional side, there were a lot of moments during my career at Citrix where we were running a very lean organization, so I had the opportunity to get involved in many different projects that I probably wouldn’t have had in other larger organizations.

R&I: What is your favorite book or movie?

My favorite movie is Raiders of the Lost Ark.

R&I: What’s the best restaurant you’ve ever eaten at?

A place in Santa Barbara called Bouchon.

R&I: What is the most unusual/interesting place you have ever visited?

Advertisement




Caverns in Gatlinburg, Tennessee. They were interesting. It was cool to see these stalagmites and stalactites that have been growing for millions of years, and then just above ground there are homes from the 1950s.

R&I: What is the riskiest activity in which you’ve ever engaged?

Riding on the back of my husband’s Harley.

R&I: What about this work do you find the most fulfilling or rewarding?

I like educating people and helping them find their ‘aha’ moment when you highlight areas of risk they may not have thought about. It allows people to broaden their horizons a little bit when we talk about risk and try to explore it from a different angle. I try not to be the person who always says “No” because it’s too risky, but find solutions that everyone is comfortable with given a risk profile.

R&I: What do your friends and family think you do?

I tell my kids I protect people and property and sometimes the things you can’t feel or touch.




Katie Dwyer is an associate editor at Risk & Insurance®. She can be reached at [email protected]