Managing Property Claims
Managing future premium costs is critical and mitigating your claims costs is the #1 driver of your future premiums. Hopefully the below Workflow will help you in the process.
Restaurant Safety Surveys- Is your restaurant safe?
A safety survey can help save you money in future premiums by identifying unsafe conditions before an injury occurs and costs you. As an Owner/Operator you care about saving costs, but you are responsible for providing a safe environment for your customers and employees. Conducting your own safety surveys will allow you to cost effectively [...]
Video Camera Placement
When placing cameras, you want to eliminate any “blind spots” and also focus on covering areas that will provide value (i.e. high foot traffic versus bare walls).
Invest In Upgrading Your Camera System
Video surveillance system continue to evolve with new technology to better help to protect your restaurant, customers, and crew. Today we see many camera possibilities, cameras that operate in low light with high resolution color, monitoring with storage capabilities of 1 year, and cameras that include audio surveillance.
Conducting An Effective Safety Travel Path
When it comes to safety of our customer’s there are a few key areas that should be included in your restaurant travel paths.
Preparing, Responding, and Recovering from Emergencies and Natural Disasters
Preparing, Responding, and Recovering from Emergencies and Natural Disasters If a natural disaster hits, we want to help our customers take the steps to help keep their doors open. A business that can't open after a disaster loses money daily. Click here for more information
Manager’s Safety University
https://vimeo.com/388713186 CLICK HERE to register and complete the training.
ADA Guide to Service Animals
For the Latest On ADA – Please visit www.ada.gov
Managing Claims and Preventing Reoccurrence
We hear employers all the time saying, "I think the claim is fraud", "I don't agree with the insurance adjuster", "It was just bad luck", etc. As a first step, the following should always be researched for insight: 1.) What did the video footage reveal? Was video 30 minutes prior and 30 minutes after saved? Was [...]
Box and Bag Cutters
These box cutters can keep your employee's safer
Workers Compensaton: Claims Management Checklist
Easy for to use to make sure that your employee claims are investigated, tracked, and filed the right way, every time. Proper claims management can greatly reduce potential for litigation, and also prevent like injuries from happening again.
Profit Sheet: Safety Meetings
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. In this sheet, the importance of safety meetings in reducing costly injuries is discussed, along with references to safety materials that may be used during meetings.
Profit Sheet: Motor Vehicle Accidents
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. In this sheet, causes of motor vehicle accidents, ways to reduce cost and exposures, and trainng materials are discussed.
Profit Sheet: Claims Management
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. This sheet discusses how claims 'head south,' and lead to litigation, similar injuries from occurring, as well as what you can do to prevent this from happening.
Reporting Suspected Fraudulent Claims
Article outlining insurance fraud, plus the importance of proper reporting procedures.
Workers Compensation – Fraud Warning Signs
Article outlining the common indicators of Worker's Compensation fraud, and the importance of reporting concerns to the insurance carrier when reporting the claim itself.
7 – LIVE BY CHANCE OR DESIGN
Article outlining the 7 Day Rule in regards to Worker's Compensation costs. In addition to various laws regarding reporting of injuries, returning employees to work after an injury, within 7 days, can reduce the hit to your insurance premiums.
FORM: Accident Investigation Form
A ready to use accident investigation form, complete with instructions on helpful items to look for, to properly investigation the injury and prevent reoccurrance, as well as fraud prevention.
QUICK PRINT: Work Comp Claims Management
Claims management guide, to include investigation, how to interview witnesses, determining root cause, and other important items.
Accident Investigation – Stop Injuries Now
Safety programs are designed to prevent injuries from occurring. Yet, no matter how detailed the program is, sometimes an injury may occur. When an injury does occur, the Owner/Operator is presented with an opportunity to learn from this injury and prevent similar ones from happening again. Reducing the chances for a similar type of injury, [...]
Preventing Fraud in the Workplace
Article on how to reduce exposure to fraudulent Worker's Compensation claims. Expands into investigation, claims reporting, hiring of the right employees, and training.
Insurance & Safety – Best Practices (The Basics)
Best practices on claims handling, safety and loss control, plus specific injury issues.
What You Don’t Know Can Really Hurt You
Article discussing the hidden costs of employee injuries, which can be 5 - 10 times greater than the direct costs. Costs include lost time, hiring and training of new employees, reduced productivity, etc.
Workers Compensation Fraud Types
Ways to recognize the various types of Worker's Compensation fraud, and methods of prevention.