Schofield Katherine E, Alexander Bruce H, Gerberich Susan G, MacLehose Richard F
University of Minnesota Duluth, Duluth, MN, USA; University of Minnesota, Minneapolis, MN, USA.
University of Minnesota, Minneapolis, MN, USA.
J Safety Res. 2017 Sep;62:101-105. doi: 10.1016/j.jsr.2017.06.012. Epub 2017 Jun 28.
Insurance loss prevention (LP) representatives have access and contact with businesses and employees to provide targeted safety and health resources. Construction firms, especially those smaller in size, are a high-risk population. This research evaluated the association between LP rep contact and risk for lost-time injuries in construction policyholders.
Workers' compensation data were utilized to track LP rep contact with policyholders and incidence of lost-time injury over time. Survival analysis with repeated events modeling calculated hazard ratios (HR) and 95% confidence intervals (CI).
Compared no LP contact, one contact was associated with a 27% reduction of risk (HR=0.73, CI=0.65-0.82), two with a 41% (HR=0.59, CI=0.51-0.68), and three or more contacts with a 28% reduction of risk (HR=0.72, CI=0.65-0.81).
LP reps appear to be a valuable partner in efforts to reduce injury burden. Their presence or contact with policyholders is consistent with reduction in overall incidence of lost-time injuries.
Reduction in lost-time injuries, resulting in reduced workers' compensation costs for policyholders and insurance companies, builds a business-case for safety and injury prevention. LP reps are often a low or no-cost benefit for insurance policyholders and may be an important injury prevention resource for small firms and/or those with lack of safety resources and staff.
保险损失预防（LP）代表能够接触并联系企业及其员工，以提供有针对性的安全与健康资源。建筑公司，尤其是规模较小的公司，是高风险群体。本研究评估了LP代表与建筑险投保人因伤误工风险之间的关联。
利用工伤赔偿数据追踪LP代表与投保人的接触情况以及因伤误工发生率随时间的变化。采用重复事件建模的生存分析计算风险比（HR）和95%置信区间（CI）。
与未与LP代表接触相比，有一次接触可使风险降低27%（HR = 0.73，CI = 0.65 - 0.82），有两次接触可使风险降低41%（HR = 0.59，CI = 0.51 - 0.68），有三次或更多次接触可使风险降低28%（HR = 0.72，CI = 0.65 - 0.81）。
LP代表似乎是减轻伤害负担工作中的宝贵伙伴。他们与投保人的接触与因伤误工总体发生率的降低相一致。
减少因伤误工可降低投保人及保险公司的工伤赔偿成本，为安全与伤害预防建立商业案例。LP代表通常对保险投保人来说成本较低或无成本，可能是小公司和/或缺乏安全资源及人员的公司预防伤害的重要资源。
