Loss control and safety traditionally have been an important component of an insurer's service to business policyholders. Insurers, however, can vary greatly on the emphasis they place on loss control by helping their clients reduce workplace accidents and subsequent workers' compensation costs.
The Wisconsin Division of Workers' Compensation suggests employers use a checklist as a tool to determine the effectiveness of their comp carriers:
* Your insurer explains the company's loss control services within 30 days of the beginning of the policy period. It features safety in its communications with you.
* For policyholders with regularly occurring lost-time claims, the insurer offers to meet with you at your business location to discuss safety, loss control and claims administration.
* Your carrier helps you communicate your loss control, accident investigation, medical care and return-to-work programs to your entire work force to foster employee involvement and buy-in.
* The insurer provides written guidelines on prompt and accurate reporting of all potential policy claims. Specialized forms for the administration of claims are provided to all policyholders, with easy-to-read instructions about how to file a claim.
* Your insurer offers safety information in written and oral form for hazards peculiar to your industry or processes. …