Skip to main content
Business InsuranceCommercial InsuranceRisk AdvisorRisk ManagementWorkers Compensation

Why Every Small Business Needs a Safety and Health Program

By June 19, 2025No Comments
Restaurant Insurance - Portrait of a Happy Restaurant Owner and Chef in the Kitchen of a Brand New Establishment

Why Every Small Business Needs a Safety and Health Program

Running a small business comes with countless responsibilities — but nothing is more important than ensuring the safety of your employees.

Workplace injuries and illnesses don’t just hurt people; they hurt your business. The Occupational Safety and Health Administration (OSHA) estimates that indirect costs of workplace incidents are 2.7 times the direct costs. These include time lost, training replacement employees, and productivity drops due to morale issues.

Implementing a proactive safety and health program is one of the most effective ways to reduce incidents. OSHA’s Recommended Practices for Safety and Health Programs provide a clear framework tailored especially for small to mid-sized businesses (SMBs) with up to 100 employees.

The Real Cost of Injuries

Beyond workers’ compensation claims, incidents can lead to production downtime, equipment damage, legal fees, and increased insurance premiums. A safety program helps you avoid these disruptions.

What a Safety Program Looks Like

A solid safety and health program involves:

  • Management commitment and leadership

  • Worker participation

  • Hazard identification and control

  • Training and education

  • Emergency preparedness

  • Program evaluation and improvement

These components not only keep your team safe but foster a positive safety culture that enhances morale and productivity.

Getting Started: 5 Easy Wins

OSHA outlines 5 easy things SMBs can do to launch a safety program, such as:

  1. Making safety a top company value

  2. Leading by example

  3. Creating a simple, non-punitive hazard reporting system

  4. Conducting regular inspections

  5. Collecting and implementing hazard control ideas from employees

These initial actions don’t require a large budget or staff — just commitment and consistency.

Why It Matters

Companies that embrace safety not only reduce incidents but often see improvements in product quality, employee retention, and customer satisfaction.

Your safety program doesn’t need to be complex to be effective. Start with small, meaningful steps and build as you grow.