For readers of Stop Being Frustrated & Overcharged, Appendix C
What We Review in a Risk Management and HR Assessment
What to gather before you talk to anyone.
The list from Appendix C. Most companies have these spread across three or four people. Pull them together once and you have what an underwriter, a new agent or I would ask for first.
| Item | Have it | Requested |
|---|---|---|
| A tour of the facility and job sites | ||
| Interviews with key employees | ||
| Five years of current loss runs on every policy, with a description of every claim over $10,000 and an analysis by type, cause, time of day and time since hire | ||
| Five years of premium and payroll history | ||
| Five years of OSHA 300 logs and 300A summaries, plus this year's log to date | ||
| Three years of experience mod worksheets | ||
| Your injury rates compared to your industry's, from the Bureau of Labor Statistics | ||
| Injury reporting and investigation forms and procedures | ||
| Your return-to-work program | ||
| The clinics and doctors you use now | ||
| Safety manuals, policies and procedures | ||
| The employee handbook | ||
| Job descriptions, applications and hiring procedures | ||
| New hire orientation materials | ||
| Every insurance policy, with all endorsements | ||
| The carrier's past loss control reports and recommendations, and your responses | ||
| Subcontractor and independent contractor agreements, and certificates of insurance | ||
| Customer contracts, for their insurance and indemnity requirements | ||
| For fleets: driver files and motor vehicle records, telematics data, and FMCSA safety data if you're regulated by DOT |
To have them reviewed, send what you have to david@davidleng.com. Sending them doesn't commit you to anything.