Safety and Wellness Brief

Minimize your risks and decrease potential losses based on learnings from our Workers Compensation Safety Council participants, The Hartford, and CUNA Mutual Group.

Program Highlights


The average Workers Compensation claim is $3,615 for 2020 year to date.1


Slip and Fall claims are not just a winter weather phenomenon – shown by an increase of 157% in claim counts for Slip/Falls not involving ice in the first half of 2020.1


The average number of days for an employee to report a claim from the time of the accident to the credit union has improved from 11 days to 2 days over the last five years. However, on average it takes 6 days for the credit union to report the loss to the insurance carrier.1

Circle with the letter i in itKey Risk Insights

Did You Know?

  • With the pandemic, many employees are doing “double duty” or “job duties as assigned” such as moving carpets, handling trash, cleaning & sanitizing, etc. Unfortunately, some of these tasks have generated unexpected claims.
  • Losses associated with vehicle use – such as negligent entrustment due to not conducting Motor Vehicle Report checks - are on the rise in both severity and frequency.
  • Research shows that the sooner a claim is reported, the lower the cost of the claim and the sooner the employee returns to work. In fact, The Hartford conducted a study associated with claim severity and reporting lag time and found:
    • 1 week = 9% claim cost increase2
    • 2 weeks = 21% claim cost increase2
    • 3 & 4 weeks = 24% claim cost increase2
    • 1 month or later = 39% claim cost increase2

Medical bag with a plus sign on the side Employee Wellness

Each employee has their own way of dealing with the uncertainty of hard times. Don’t underestimate the importance of caring for employee mental health and wellness.

7 Ways to Take Care of Mental Wellness

  1. Create and abide by work-life boundaries
  2. Exercise in a way you enjoy every day
  3. Keep a journal - writing down your thoughts and feelings
  4. Resist the temptation to “compare and despair” in online networks – most is not full reality
  5. Take a walk in a natural setting – outside and away from everything
  6. Spend time with good friends and family
  7. Find ways to stay productive and tick items off your to-do list

7 Tips for Leaders during Trying Times

  1. Provide clear direction for your employees
  2. Encourage your team
  3. Communicate through a variety of channels
  4. Embrace change as sometimes you need to reinvent yourself, even if it’s temporary
  5. Celebrate the small wins
  6. Stay in contact with your credit union membership to maintain loyalty
  7. Evaluate and monitor your expectations

Text bubble with linesThey Said It

The two biggest risk factors are ‘lone working’ and office ergonomics. Assuming workers are going from a space with a desk in the office – possibly with an adjustable workstation and padded office chair with arms to a kitchen table…office ergonomics can be a significant concern. The other risk factor, which is difficult to control, in general, is just the nature of unknowns with remote workers.

Brian Walker, CSP, ARM
Sr. Risk Engineering Consultant
The Hartford

All credit unions have responsibility to protect employees, members, and visitors by taking measures to detect potential incidents and mitigate the consequences. Think about what the safety and wellness risks are and identify how to reduce that risk, because obviously you can’t take risk to zero.

Michael Petrone, CFE, CFSA, CUSFE, ACI
Risk Consultant
CUNA Mutual Group
CUNA Mutual Group logo

Icon of piece of paper with arrow pointing to linesResources You Can Use...

Review these resources to enhance your focus on emerging risks related to workplace / employee safety.

Additional Resources

For additional employee safety, wellness, or workers compensation tools and resources, check out the Workplace Safety/Wellness page within the Protection Resource Center.

For questions on risks, contact a CUNA Mutual Group Risk Consultant at 800.637.2676 or at

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Ask a Risk Consultant

Our experienced consultants are here for you. Submit your question here or call us at 800.637.2676 for assistance, insights and risk mitigation tips.

1The Hartford, Internal Claims Data, 2016 – August 2020. 2The Hartford, Internal Claims Data.
This resource is for informational purposes only. Some resources found within this website are provided by The Hartford Financial Services Group, which is solely responsible for their content. It does not constitute legal advice. Please consult your legal advisors regarding this or any other legal issues relating to your credit union. Any examples provided have been simplified to give you an overview of the importance of selecting appropriate coverage limits, insuring-to-value, and implementing loss prevention techniques. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Insurance products offered to financial institutions and their affiliates are underwritten by CUMIS Insurance Society, Inc. or CUMIS Specialty Insurance Company, members of the CUNA Mutual Group.