Worker safety and health do affect your insurance premiums
As a contractor, you know that to be insured, you are required to comply with the U.S. Department of Labor, Division of Occupational Safety and Health Administration regulations. Insurance carriers know OSHA regulations reduce worker injuries and illnesses, thus reducing their liability and improving their bottom line. Think of OSHA violations as traffic violations—the more you have, the greater risk you present to your insurance company, and the higher your premium will be. The trick is to avoid costly OSHA violations and fines.
I only have a couple of employees; am I still bound by OSHA regulations?
Regardless of the size of your business—