reduce workers compensation insurance coverage costs westchester ny
  • By Allan M Block Blogging Team
  • Posted November 2, 2019

Pre-Employment Physicals May Reduce Workers Compensation Costs

If you run a business, you want good employees, but how do you know that they are healthy? Furthermore, how do you know that they are physically fit for the duties of the job?

First, it is important that you have a good job description that lists all the physical requirements of the tasks involved.

Second, when you present the job description to prospective employees, ask them if there are any limitations that may prevent them from doing the job as described. Tread carefully here and consult with your human resources legal expert to know the types of questions you can and cannot ask.

Finally, you could consider presenting a conditional offer of employment contingent on a pre-employment physical. There are many providers who are competent in these evaluations. You, the employer, can refer candidates to a doctor who understands the job descriptions you have provided ahead of time; the doctor can then make a recommendation for employment (or not) based on the job description and physical well-being of the applicant. This keeps you, the employer, out of illegal privacy questions you may be tempted to ask your candidate.

Talk to your agent or broker about how pre­employment physicals might improve your loss-control program and help lower your workers compensation costs.

For more information or answers to your insurance questions, contact us at Allan Block Insurance Agency,, located in Tarrytown, NY in the heart of Westchester County, a key business district near New York City.  We write auto, home, renters, condo, co-op, personal, business, life and group insurance for clients locally and in NYC, CT, NJ, PA, MA and many other states. The Professional Agency with the Personal Touch.