

| We understand that the increasing cost of workers' compensation is affecting your business. That's why we urge our customers to take simple steps to save money—and reap the savings. |
| BEST PRACTICE: | Be proactive about workplace safety—teach it, emphasize it, reward it. |
| BEST PRACTICE: | Keep accurate, updated payroll records, and classify your employees' job duties properly. |
| BEST PRACTICE: | When an employee is injured on the job, report the claim to Zenith promptly at 1-800-440-5020. |
| BEST PRACTICE: | Know the red flags of workers' compensation fraud and call Zenith's Fraud hotline if you have questions or concerns 1-800-440-5020. |
| BEST PRACTICE: | When employees are injured, show you care by keeping in touch and, when possible, providing modified jobs to help them transition back to their original jobs quickly. Set up a return to work program. |


