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Managing Your Business Insurance Plan

The following list includes only a few helpful steps. Consult with insurance agent and a loss control representative to learn more about containing insurance costs.

General Considerations

  • Increase your deductibles.
  • Establish a safety program.
  • Implement and maintain professional loss control recommendations.
  • Notify your insurer as soon as you learn of a loss.

Property Protection

  • Keep your workplace clean and orderly.
  • Carefully store all combustible products and equipment.
  • Make sure all fire extinguishers are accessible and in good condition.
  • Establish emergency procedures and conduct employee drills.
  • Install a sprinkler system at your workplace and inspect it regularly.

Auto Protection

  • Review the Motor Vehicle Reports (MVRs) of your drivers annually.
  • Establish fleet safety and fleet maintenance programs.

Employee Workers' Compensation

  • Maintain accurate records of payroll divisions.
  • Maintain an accurate OSHA log.
  • Carefully review and track the progress of all workers' compensation claims.
  • Implement an occupational injury management program to help bring injured employees back to work quickly.