Safety Endorsements

Earn your return on safety.

We support our policyholders in developing and implementing comprehensive safety programs – beyond the safety and risk services we provide as part of a workers compensation policy. One way we’re able to do this is through an endorsement*, an addition to an existing insurance policy.

In some cases, policyholders may see certain discounts by putting safety first through participation in one or multiple third-party programs. We offer several programs through third-party service providers to make safety simpler.

Lab worker holds two vials while wearing a mask

OraSure drug testing

We partner with OraSure to provide policyholders with on-demand post-incident drug tests at a discount.

We are dedicated to drug and alcohol-free workplaces and will reimburse up to $55 for each post-incident screening that meets these criteria:

  • Customer’s policy must be in force at the time of the accident
  • Drug screen must be performed on an employee who was involved in a workplace incident
  • A trained collector must perform the drug or alcohol test within 24 hours of the incident

OraSure provides training for policyholders demonstrating how to administer the test and send it to the lab.

Policyholders can purchase drug testing kits for their business by contacting OraSure directly at 610.419.7657 or by contacting our medical management staff at 573.499.4183.

Warehouse employee takes stock

WorkSTEPS post offer employment testing

Post offer employment testing (POET) can help reduce new hire injuries by determining if a prospective employee is physically capable of performing a job.

We partner with WorkSTEPS to make POET more affordable for policyholders. With POET, your company may:

  • Reduce on-the-job injuries
  • Boost productivity
  • Increase employee retention
  • Lower turnover costs (hiring, training, etc.)
  • Reduce your e-mod, lowering your premium
  • Reduce lost work days

Driver smiles out car window

StriveSafe telematics

In-vehicle GPS technology known as telematics can help employers identify and reduce high-risk employee driving behaviors, like distracted driving. It can also encourage safer driving by gamifying stats and providing individual reports to employees with their “safe driving score.”

We partner with StriveSafe to help policyholders implement this technology at a discount.

Manufacturing employee works at a desk

Screen Assist background checks

Safe employees start as quality hires. Like POET, a background screening can be an important part of hiring the right person for the job.

Through our partnership with consumer-reporting agency Screen Assist, policyholders can perform background checks on prospective employees at a discount.

Next steps

To learn more about boosting your return on safety with any of these programs, contact our Safety and Risk Services team.

*Effective April 1, 2019, an endorsement for Non-Insurance Goods and/or Services is included on all Missouri Employers Mutual and Previsor Insurance policies. The endorsement reads as follows:

From time to time, we may arrange for third-party service providers to provide discounted goods and services to our insureds for their commercial, safety and risk management needs. While we may arrange for these third-party service provider discounts, we do not warrant the merchantability, fitness, value or quality of any product or service offered or provided by these third-party service providers. Nor is there any inherent rate, premium or insurability consideration implied herein.