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.

Accident Review Committee
We recommend that you establish an employee committee which will review each claim with the injured employee, reenacting the accident and reporting to management concerning the cause of the accident and any preventive measures recommended for prevention of a similar accident in the future. Back to top

Audiometric Testing
All production noise levels should be periodically checked by appropriate engineers to determine if excess decibels might cause permanent hearing impairment. Back to top

Check Previous WC Claims
Depending on your state, we recommend that you make an inquiry to your state workers compensation commission for past claims history on
all appropriate prospective employees. Back to top

Employee Training
A pre-employment training program and an ongoing in-service program should be instituted by you for all your employees. Back to top

Employee Training - Lifting Procedures
All employees should be instructed in proper lifting techniques and equipped with adequate equipment when moving heavy materials. Back to top

Equipment Maintenance
Regular maintenance inspections should be conducted and documented on all appropriate equipment used in your operations. Back to top

Executive Review
An assigned top-level executive officer should review each and every first report of injury with the injured employee present and review exactly what happened to create the injury. Back to top

First Aid Training
Establish a first-aid station at each location and give at least two employees first-aid training for the purpose of treating minor cuts and other first-aid situations. Back to top

Loss Control Program
A written loss control and/or safety program should be developed, implemented and monitored by you to minimize your exposure to loss. Back to top

Machinery Safety
All appropriate machinery should be checked to ensure that these items are equipped with appropriate guards and deadman switches to ensure employee safety. Back to top

No Advanced Pay
We recommend that you establish a firm written policy stating that an employee's pay will cease on the day that a first report of injury is filed and that no advance towards Workers Compensation benefits will be afforded. Back to top

Pre-Employment Physicals
We recommend that you establish a policy of requiring pre-employment physicals on any new or prospective employees, including back X-rays
and drug testing. Back to top

Safety Equipment - Training and Usage
To reduce injury, all employees should be required to use appropriate safety equipment while performing any hazardous operations. Back to top

Ventilation
Adequate ventilation of your shop area should be maintained to reduce the possibility of inhalation of carbon dioxide or other harmful chemical vapors, which can lead to severe skin or lung disorders. Back to top

Work Space Safety
All working areas should be arranged to allow enough space between each station to ensure adequate clearance for prevention of injury to employees by machinery. Back to top