For readers of Turning Premiums Into Profits, Appendix C
Items Reviewed in a Risk Management and HR Assessment
The documents a full risk management and HR review looks at.
Gather these before you sit down with anyone, an underwriter, a captive or me. Most companies have them spread across three or four people.
| Item | Have it | Requested |
|---|---|---|
| Tour of facility and/or job sites | ||
| Interviews with key employees | ||
| Five years of currently dated loss runs, all insurance policies | ||
| Description of each claim over $10,000 | ||
| Analysis of claims by type, cause, time and time from date of hire | ||
| Five years of premium history | ||
| Five years of payroll history | ||
| Four prior years of OSHA 300 logs and 300A summaries | ||
| Current year-to-date 300 log | ||
| Three years of experience modifier worksheets | ||
| BLS frequency and severity rates, industry comparison | ||
| Injury reporting and investigation forms and procedures | ||
| Return-to-work manual | ||
| List of physicians currently used | ||
| Safety manuals, policies and procedures | ||
| Employee handbook | ||
| Employment applications and packet | ||
| New hire procedures | ||
| New hire orientation material and procedures | ||
| Insurance policies, including all endorsements | ||
| Subcontractor and independent contractor agreements | ||
| Certificates of insurance | ||
| SAFER reports (if you fall under DOT regulations) |
If you want them reviewed, send what you have to david@davidleng.com.