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The text emphasizes the significance of workplace safety in relation to Workers Compensation Insurance, highlighting that safety affects policyholder premiums. In Montana, the accident rate is significantly higher than the national average, particularly among similar industries. To lower workers' compensation rates, it’s crucial to reduce accident rates, as accidents can lead to costly claims and increased premiums. Establishing a robust culture of safety is essential, which can be achieved through two primary strategies: accident prevention and planning, and effective accident response. This involves setting safety expectations from leadership, ensuring all employees are aware of hazards and how to manage them, and providing proper safety training and equipment.