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Claims Management

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    

OSHA Inspections Fact Sheet


VIDEO: Safety – The Basics


Manager’s Safety University

ADA Guide to Service Animals

                          For the Latest On ADA – Please visit

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.


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, however, requires a root cause analysis.  The root cause analysis, along with effective corrective action, will lead to improved preventative measures for injuries.  How does the Owner/Operator accomplish these two items?  (read more below) Root Cause Analysis When performing an accident investigation, it is important to look beyond the circumstances of the immediate injury. When conducting a root cause analysis, be sure to address the following: Training – Was the employee properly trained to perform the task? Supervisors – Were the supervisors enforcing safety rules? Time of Day – Helps to identify trends more easily. Experience – Was the employee experienced in this task? Equipment – Was the employee using the proper equipment for the task (such as the guarded grill scrapers)? Personal Protective Equipment – Was the employee wearing required personal protective equipment? Conditions – Staffing – Were conditions different that day?  Was the shift properly staffed?  Was work heavier than normal?  Conditions – Environment – Was the equipment functioning properly?  Were the floors wet?  Were materials stacked in employee traffic areas?  Keep asking the “Who, What, Where, Why and When”, until you get a specific cause or reason. […]

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.