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foreign state fund we talk as much about workplace safety as we do about Workers Compensation Insurance and thats not just because safety gets people back home each day safety has a direct impact on the premiums that are policyholders pay here in Montana our accident rate is nearly one and a half times the national average and thats even compared to states with similar Industries the key to lowering overall workers compensation rates reducing that number because theres no question accidents are costly and claims can lead to premium increases plain and simple so the best way to keep premium steady or even lower them is to build a serious culture of safety we can do that with two main efforts accident prevention and planning and accident response accident prevention and planning includes a wide range of safety efforts things like setting safety expectations from the top down making sure everyone understands the hazards and how to manage them providing good safety training and gear an