Compensation Insurance Companies’ For Your Workers

 

No one ever expects to get injured on the job, but it happens all the time. In fact, according to the Bureau of Labor Statistics, there were more than 2 million workers who suffered from an injury or illness in 2020.

If your business doesn’t have workers’ compensation insurance, a single injury could be crippling. That’s why it’s important to find a compensation insurance company that you can trust.

So, to ensure your peace of mind, read on!


6 Most Reliable Workers’ Compensation Insurance Companies in 2022

  1. Travelers

They’ve been in the industry for more than 165 years and have earned an unmatched reputation for taking care of their customers. They offer personal, business, and specialty insurance. They make returning to work as easy as possible for your employees.

  1. The Hartford

By market share, The Hartford is one of the largest companies in the workers’ compensation policies industry. They have more than 100 years in the industry. They offer nurse case managers and a wide group of medical providers.

  1. AmTrust Financial

AmTrust Financial specializes in retail stores such as electronic stores, clothing stores, supermarkets, and bookstores. They even offer the benefit of covering companies that just started. They also have professional, general, state, and cyber liability insurance policies.

  1. biBERK Insurance Services

biBERK is a small business insurance company from Berkshire Hathaway that has been around since 2015. They have an automated online system that simplifies your application regarding secure coverage. Despite their short period in the market, they are backed up by a high financial strength rating from AM Best.

  1. Nationwide

With 96 years of experience, Nationwide has a solid system to support companies and aid their team members. They have a nursing care service available 24/7. In addition to the policy service, they include workshops and courses about safety and the transition to return to work after an injury.

Can Injuries At Work Be Prevented?

There’s not a completely foolproof way of preventing workers from getting injured, but there is a way to minimize them.

Physical Ability Testing

A physical ability test measures an individual’s capacity to perform certain physical tasks. These tests are commonly used in the workplace to determine whether a team member can safely perform their job duties. Workers who have sustained an injury at work may be required to take a physical ability test before returning to work.

There are several benefits of taking a physical ability test:

  • Ensure that workers are physically capable of performing their job duties safely.

  • Help employers identify workers who may be at risk of sustaining an injury.

  • Help to protect teammates and reduce the workers’ compensation claims.

Keep Your Workers Safe with Great Northern Physical Therapy

No matter which insurance company you go for, employers avoid costly workplace injuries by ensuring that workers are physically able to perform their job duties safely. Great Northern Physical Therapy offers post-offer physical ability testing to help employers reduce the risk of sustaining an injury at work.

Our team of experienced occupational therapists can provide you with more information about how these tests can benefit your business. We customize a physical ability pre-employment testing program to develop an exam that meets your organization’s specific needs. Contact us today to get started!

 

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Breathing and Your Pelvic Floor

The pelvic floor is certainly a hot topic of conversation for many men and women. Specifically, people begin to focus on their pelvic floor when they are having incontinence, urgency/frequency, prolapse, or pain associated with going to the bathroom or having sex. These are all issues related to pelvic floor dysfunction. But, what many don’t realize, is that your pelvic floor is also integral in one of our most basic functions: breath.

The diaphragm, our respiratory muscle, is located at the bottom of the ribcage. At rest, the diaphragm is a domelike shape, and with inhalation the diaphragm muscle contracts and drops downward toward your pelvis. This downward motion is followed by a shifting downward of internal organs, into the pelvic bowl. The pelvic floor muscles and fascia make up the bottom of the pelvic bowl. So, with this downward force during inhalation, the pelvic floor muscles also descend or stretch slightly downward. Immediately following inhalation and pelvic floor descent, is exhalation, and similarly, the pelvic floor follows the diaphragm as it rises upward to a resting position. This synchronous rising and falling of the diaphragm and pelvic floor is often referred to as the “piston effect”.

Not to be left out, the lower abdominal muscles (transverse abdominis) also contribute to this synchronous movement pattern. Working together by relaxing and stretching with inhalation and a “belly breath”, and tightening and drawing inward slightly with exhalation. In this way, the diaphragm, abdominals, and pelvic floor make up an abdominal cylinder that modulates intra-abdominal forces and pressure changes.

When this cylinder isn’t coordinating well together, or if there is tightness or weakness within the system, we see common musculoskeletal complaints: low back pain, SIJ pain, poor stability through the back and pelvis, hip pain, pelvic pain, incontinence, urgency/frequency of urine or stool, prolapse, poor posture, balance issues, and intolerance to exercise.

Our pelvic floor physical therapists can help evaluate these movement patterns and coordination of these systems, and create a treatment approach specific to you and your individual challenges.