STEP® for Safety

	How does STEP^® impact employees?
	Involves employees in the solution Builds employee awareness Educates employees on potential risks and their prevention Gains employee commitment Opens the door to improved communication Recognizes employees for participation

What does STEP^® do for my company?

Provides significant, positive financial results by involving all your employees directly in the reduction of your workers� compensation costs
Shares the responsibility of educating and implementing safety procedures between the company and the employee
Expands your loss prevention and control reach by involving employees
Decreases indirect costs such as hiring replacement employees, re-training, and overtime � which can cost up to an additional $50 per $1 of direct costs
Reduces frequency by an average of 34% in participating companies

What is STEP^®?

An employee driven awareness process that positively motivates and involves them in safety and reduces claims frequency. The process consists of the following elements:

Employee Commitment
Monthly Safety Quizzes
Results Measurement and Feedback
Recognition and Reward

The components of the STEP^® program are available both on-line and in printed form. Safety topics are even recorded on CD for mobile workers such as drivers and field representatives. For more information on the audio portion of STEP^® go to
STEP^® Information Tools.

	How do I implement STEP^® in my workplace?
	Encourage employee participation and obtain employee commitment to workplace safety Schedule monthly safety meetings Topics and materials are provided (includes 12-month safety program tailored to your business) Integrate company logo Train administrators, team leaders and employees on STEP^® If using the online process, setup website access to program info and catalog for awards For a complete explanation on Implementing STEP^® in the workplace, please Click Here.

How do I implement STEP^® in my workplace?

Sequence:

Agenda
Team Members answer a question dealing with previous month�s safety topic
Encourages accountability
Applies positive peer pressure
Correct answer earns a safety �scratcher� card with reward opportunity (claims-free team members only) � immediate redemption or cumulative
Document employees� injury free month
Outline safety topic, applications and Q&A
Topics, scripts, all materials provided
Measure and communicate results
Recognize and reward results

STEP^® Program Costs

Costs for the STEP^® for Safety program are based on several factors including number of employees and components selected.

	More
	What is included in a STEP^® program?
	A 12-month safety program including research and copy writing of safety training topics specific to your business or industry Customized web pages including company name and logo for employee online access Company specific news and information loads Suggestion boxes to earn additional points Printed user guides & training available for employees, administrators and team leaders Easy program administration Online services include: Monthly safety quizzes and grading, Catalog, Order Tracking and Point Redemption Tracking reports on employee participation and results

	Back
	What is included in a STEP^® program?
	Reward �scratchers� (ODDS? chance of winning a prize) Award catalogs (on-line and hard copy) Award fulfillment STEP^® for Safety Web Access Program

	Back
	What is included in a STEP^® program?
	*** NOT USED ****

	STEP^® is a solution that works!
	STEP^® improves partnership with your employees STEP^® provides positive financial results by reducing workers� compensation costs STEP^® improves employee morale through recognition and rewards STEP^® is a low maintenance, turn-key program STEP^® is custom designed for your company needs STEP^® provides an ROI of over 2:1 in the first year

	STEP^® Testimonials
	"We have just completed our first year with Built on Safety (STEP^® for Safety's custom program). For the period of April 1, 2002-March 31, 2003 the official totals are 6 recordable, and 7 lost workdays. I went back and checked April 1, 2001-March 31, 2002 the official totals were 7 recordable and 256 lost workdays." "There is a new sense of teamwork, which was lacking before Built on Safety came along." --Evangeline Light, Safety Director, BurWill Construction Company

	STEP^® Testimonials
	"This program definitely gets results and is now the cornerstone of our safety program." "It's easy, fast, fun, and to the point" "As a company, for a five-year average, we were looking at a Loss Ratio of 121.6% with a frequency rate of 26.33%. Built on Safety (STEP^® for Safety's custom program) was implemented in August 2000. We closed our 2000 policy year with a Loss Ratio of 7.08% and a frequency rate of 9.99%." --Richard Waldron, Safety Director, M.L. Garrett Construction Co. Inc.

	STEP^® Testimonials
	"Built on Safety (STEP^® for Safety's custom program) has been a great asset to our company. The all-inclusive program is easy to implement and has succeeded in lowering our workers' compensation costs. The program has produced as promised, it has gotten the safety message to our employees in the field." "Our claims dropped 39% in fiscal year 2003 which generated a bottom line savings of over $900,000 and an ROI of 3 to 1." " I would recommend the Built on Safety (STEP^® for Safety's custom program) Program to any company or fund that needs to reduce both accidents on the job and overall workers' compensation costs." "There's no question; the program gets results." --Cecil Morgan - Secretary-Treasurer, Morgan Contractors, Inc.

	STEP^® Testimonials
	"I strongly endorse the STEP^® Program. The reduction in the number of claims and dollars spent in the first two years of the program has met and exceeded the expectation of a 34% claims reduction." "In addition, the almost 6,000 employees of our members now feel they are empowered to take effective steps to encourage safe work behavior for themselves and their co-workers." "STEP^® has proven to be the process needed to effectively impact the most important element in the workers' compensation equation - the employee." --Robert Shoulders, Chairman, Board of Trustees, Arkansas Self-Insurance Trust

	Do I need a computer to use STEP^®? NO!
	STEP^® for Safety is designed for both in-house and field employees -- as well as computer and non-computer users. The components of the STEP^® program are available both on-line and in printed form � safety topics are even recorded on CD for mobile workers such as drivers and field representatives. Click here to listen to a sample safety topic. STEP^® can be wherever your employees are.

	STEP^® Information Tools
	Audio Samples for STEP^® for Safety Program Sample 1: Intro to STEP^® for Safety Program Sample 2: Trucking Topic - Lifting and Back Safety Browse Prize Catalog Click here STEP^® for Safety Presentation Click here STEP^® for Safety Tri-Fold Brochure Click here STEP^® is a division of Five Star Specialty Programs

Fact:	90% of accidents are a result of employees' unsafe actions. (Source: OSHA and Nationial Safety Board)

Fact:	Employees are the key to reducing risk, claims, and insurance costs.

About STEP^® for Safety

STEP^® for Safety is a value added service developed by Five Star Specialty Programs offered through the Five Star Workers' Compensation program.

Five Star Specialty Programs has over 20 years experience writing Workers' Compensation insurance and is committed to helping control and reduce workers' compensation costs.