Workers’ compensation insurance companies are experiencing some very tough times. Which means you’re going to feel the pain.

In 2000, workers' compensation premiums increased an estimated 12 percent. That was just the beginning.

In the second quarter of 2002, one-third of companies experienced rate increases of 20 to 30 percent, according to the Council of Insurance Agents and Brokers. Another 15 percent of companies saw their premiums rise by 30 to 50 percent.

Don’t expect trends to change anytime soon. So, if you’re currently getting a discount under a state program, maybe you should keep it. Even if you're not, DFWP programs can reduce claims, which can hold down future premium hikes.

Are your healthcare premiums skyrocketing? Join the club.

The 2000 Dun & Bradstreet Small Business Survey found that the number one problem faced by small businesses was rising healthcare costs. And that was before the latest rounds of rate increases.

In May 2002, The Council of Insurance Agents and Brokers said that over three-quarters of mid-sized businesses had premium hikes of 10 to 30 percent during the previous six months; another 20 percent saw their premiums rise by 30 to 50 percent. Hewitt Associates predicts average HMO rate increases of over 20 percent in 2003.

It’s no secret that employees who abuse drugs and alcohol use more medical services. Keep substance abuse out of your workplace to keep your group health premiums down.

It’s a fact: people who use illegal drugs seek out companies that are not drug free.

The number of drug-free businesses is increasing. Virtually all of the Fortune 500 companies drug test. Thousands of smaller employers now participate in state certification programs to take advantage of insurance discounts and legal protections. Employees accept and even expect their workplaces to be drug free.

Don’t become the workplace of choice for drug abusers. Continue to protect your company and employees from the costs and risks of substance abuse.