The process of risk management includes the practice of identifying and analyzing your exposure to loss, and taking steps to minimize these exposures to levels acceptable to your company. Many times this involves methods or procedures not necessarily related to direct insurance coverages. Basic risk management procedures can involve techniques used to control losses (i.e. loss reduction, loss prevention or exposure avoidance), and risk financing techniques involving transfer of risk or retention of risk by your organization.

Customer Access
Customer access to work, storage or warehousing areas should be prohibited to minimize inadvertent lawsuits or theft. Back to top

Display Safety
All merchandise displays should be of sturdy construction, adequate wiring and arranged to provide safe customer access. Back to top

Employee Benefits Review Procedures
To reduce the possibility of employee benefits administration errors, written procedures should be established for employee indoctrination and on-going servicing procedures. Back to top

Entrances and Exits Accessability
Entrances should be properly lighted and posted to facilitate emergency exiting in case of an occurrence requiring immediate evacuation by the public. Back to top

Floor Maintenance Safety
Customers should be directed away from wet floor areas or wet floor signs used when floor maintenance is being done. Back to top

Food Handling Safety Procedures
All employees who work with food products should be subject to routine medical examinations. Back to top

Guard Dog Safety
If guard dogs are used, appropriate signs should be posted and adequate fencing or other barriers maintained to limit the dogs' access to the public. Back to top

Hiring and Firing Procedures
To reduce the probability of employee related suits involving wrongful discharge, discrimination or sexual harassment, careful personnel record keeping and consistent hiring and firing practices should be instituted and maintained. Back to top

Liquor Liability Management
All employees involved in the serving of liquor should attend a TIPS (Training and Intervention Procedures) program which includes recognition and handling of patrons who have consumed excessive alcohol. Back to top

Patent/Copyright Protection
Original product development can be the life blood of many manufacturing companies. To reduce the possibility of theft of this vital information, we recommend that all development work should be patented or copy written to guarantee your rights under the law. Back to top

Products Documentation
Records should be maintained on all products sold by you, including names of manufacturers, suppliers and final destination of product. Back to top

Quality Control - Products
A formal, written quality control program should be instituted to ensure that all items manufactured by you conform to industry standards as to material quality, safety design and performance. Back to top

Quality Control - Service Work
All repairs or service work should be reviewed by appropriate qualified individuals to ensure that standards are maintained in your operations. Back to top

Security Company Usuage
If you are using the services of a private security company, we recommend that you require them to provide you with evidence that they are maintaining adequate limits of liability insurance--especially if their personnel are armed or use guard dogs. Back to top

Sidewalks and Parking Lot Safety
All sidewalks and parking lots should be checked routinely for adequate lighting and existing hazardous cracks or holes. During the winter months, regular maintenance should be done to ensure that these areas are kept free of ice and snow. Back to top

Waste Disposal Safety Procedures
To ensure against contamination or pollution problems, all hazardous waste disposal systems and procedures should be reviewed to ensure
that they adhere to local, state and federal regulations. Back to top

Work Order Documentation
All repair work should be accompanied by work orders including information detailing dates, description of work and names of mechanics involved in services. Each order should be signed by the customer and dated upon acceptance of work. Back to top