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Managing Your Commercial Insurance
Plan
You can take some basic steps to help
manage your insurance plan - and thus, premiums. The following list
includes only a few helpful steps. Consult with InsuranceFirst
Services and 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
Automobile
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
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