The hazards encountered on a daily basis by employees often lead to injuries. Even the most benign of situations can precipitate an accident, the restrictions from which are frequently difficult to accommodate. Despite the best training and safety equipment you may provide, accidents happen. Carrying workers’ compensation coverage is not only legally required, but also the best way to reduce the financial risk; however, relying on your carrier is not enough. To keep your claim costs low and your premiums reasonable, a carefully tailored, well-executed return to work (RTW) policy is critical.