Ohio EM Cap Program

Examples:

It is important to note that the EM cap does not apply to an employer who’s EM is calculated with more than one policy’s experience.

• Private, state-funded employer with a published EM of 1.01 or greater
• Not more than 45 days past due on any premiums, including retrospective rating billings
• No cumulative lapses in coverage in excess of 40 days within the 12 months preceding the application deadline of June 1st
• Agreement to complete steps one, two, six and any other two steps of the 10-Step Business

Plan for Safety outlined below in the first year of the program and the remaining five steps in the second year:

1. Visible, active senior management leadership
2. Employee involvement and recognition
3. Medical treatment and return-to-work practices
4. Communication
5. Timely notification of claims
6. Safety and health process and coordination
7. Written orientation and training plan
8. Written and communicated safe work practices
9. Written safety and health policy
10. Recordkeeping and data analysis

Note: eligibility is determined prior to the beginning of the policy year thus any adjustments will not remove the EM cap or allow an employer to be eligible for the cap.

Different levels of service are available ranging from basic do-it-yourself program guidance to advanced consulting services in which our professionals become your safety management team. Our basic 100% EM Cap package includes:

• BWC Liaison – Communicate with BWC representative responsible for approving compliance with the program requirements
• In depth onsite Safety GAP Analysis and Hazard Assessment
• Detailed Plan Of Action to implement the 10-Step Business Plan
• Completion of the Self-Assessment and Plan of Action
• Safety Coordinator Training & Mentoring
• Access to discounted online safety training

In addition to the basic package, we offer Safety Consulting Services to implement a comprehensive Safety Management Program that exceeds the requirements of the 10-Step Business Plan and improves overall business performance.

Exercise your options and contact us today!

For further information on engaging CompManagement Risk Services, please contact Bryan Carpenter at 888-264-2635 ext.2495 or via email at bryan.carpenter@sedgwickcms.com.

The Amish Door Restaurant and Village had been experiencing a high number of work- related injuries resulting in increased workers’ compensation costs. With the help of CompManagement, Inc., we were doing everything possible to manage injuries after they occurred. However, our existing injury prevention and safety program was not aligned with other facets of our business such as productivity and quality of our products and services.

Amish Door, like most organizations, is required to comply with Occupational Safety and Health Administration (OSHA) regulations. However, we realized that regulatory self-compliance alone does not result in a top-notch safety management accountability program.

Our commitment to keeping employees safe was the primary driving force for the decision to partner with CMI Risk Services. They helped us to implement a strong safety management accountability program that ultimately reduced overall workers’ compensation costs. CMI Risk Services also implemented a Drug-Free Workplace Program designed to detect and deter substance use in the workplace, which can also effectively reduce acci¬dents and injuries.

Thanks to CMI Risk Services, we have become an organization that is more aware of safe work practices and injury prevention. In the three and half years that we have been with CMI Risk Services, we have gone from having 16 or 17 workers’ comp claims to none over the last two years, and we are working our way toward be¬ing able to get into group rating again. CMI Risk Services has played a vital part in helping to get our company turned around and back on the right track.

Eric Gerber
President
The Amish Door Restaurant and Village