Open enrollment is upon us again and, like previous years, there is no better time to do a review of your employee benefits. You should mainly pay attention to your health insurance plan because there will be a few changes to the rules at the beginning of the year.

Increased claims for workplace injuries is a significant factor in the increase of worker's comp insurance premiums. You might think, "Well, I'll do more to prevent accidents. My injuries will drop, and I'll be able to maintain my current premium rate.” That strategy, while sound, is easier said than done.

How do you rate yourself, or somebody else, for risk management? Do you base it on low numbers of accidents or security incidents? When you go through a year of low loss and fewer accidents, how do you know the cause?