PRODUCT: The Hanover Work Safe Program. 

COMPANIES: The Hanover.

BEST RATING: A

AVAILABILITY: The program is automatically included as part of The Hanover's workers compensation offering.

FOCUS: The Hanover Work Safe Program responds to the evolving dynamics of the workplace, which vary significantly by industry. Some sectors are seeing an influx of new talent, while others have an aging workforce. Additionally, businesses are approaching hybrid and remote work environments differently.

Given these diverse dynamics, a one-size-fits-all approach to risk management and claims is no longer effective. The Hanover Work Safe Program addresses this gap by offering customized solutions that help businesses enhance workplace safety and maximize the value of their workers comp programs. 

COVERAGE DETAILS: The program is designed to offer tangible benefits directly to policyholders, enhancing the value of their policy. Here are some of the highlights:

Proactive assessment with artificial intelligence (AI). The program uses computer vision to monitor employee movements and identify opportunities to reduce injury risks. For example, AI can suggest adjustments to the height of a machine or the angle at which items are lifted to minimize strain and prevent injuries. 

No-cost nurse triage service. Injured employees can consult with a live nurse 24/7. The nurse can triage the injury over the phone, recommend the best course of treatment and provide information on in-network providers. This service also simplifies the claims process by reporting the claim directly to The Hanover, easing the burden on employers.

On-demand training. Employees have access to training resources as needed. 

Claims advocacy model. This model enhances value for both employers and employees by providing proactive support to overcome obstacles to recovery and return to work identified through the use of predictive analytics. By leveraging data insights to stay ahead of potential roadblocks, the employee receives the help they need to bounce back from the injury as quickly as possible, leading to a better claims outcome. 

TARGET: Businesses that hold a workers comp policy with The Hanover.

COVERAGE AVAILABILITY: All U.S. states.

CONTACT: Christina Villena, vice president of risk solutions, The Hanover. 

Will Jones is IA editor-in-chief.