Idaho
State
Insurance
Fund
Agent Handbook
Contents
1.
Application Information........................................................................................................................ 1
1.1.
Required information .................................................................................................................... 1
1.2.
How to complete an application and avoid delays ........................................................................ 1
1.3.
Determining payment plans .......................................................................................................... 2
1.4.
How deposit amounts are determined ........................................................................................... 3
Standard deposits .................................................................................................................................. 3
1.5.
2.
One applicant with multiple agents ............................................................................................... 3
Managing the account ........................................................................................................................... 4
2.1.
Active policies .............................................................................................................................. 4
Agent is the contact for additional information .................................................................................... 4
Financial documents are sent directly to the policyholder .................................................................... 4
2.2.
Making changes during the policy year ........................................................................................ 5
2.3.
The renewal process ...................................................................................................................... 5
Installment (level-pay) plan renewal..................................................................................................... 5
Payroll reporting plan renewal .............................................................................................................. 6
2.4.
Policy cancelation ......................................................................................................................... 6
Cancelation by policyholder ................................................................................................................. 6
Cancelation by SIF ................................................................................................................................ 7
2.5.
Agent of Record letters ................................................................................................................. 7
2.6.
Order a Certificate of Insurance (proof of insurance) ................................................................... 7
Required information ............................................................................................................................ 7
Placing the request ................................................................................................................................ 8
ACORD certificates – Print your own proof of insurance .................................................................... 8
3.
Frequently Asked Questions (FAQs) .................................................................................................... 8
3.1.
What do I need to do if my client buys a second business entity? ................................................ 8
3.2.
What is an Experience Rating Manual form 14 (ERM-14 – Confidential Request for Ownership
Information) and why is it important? ....................................................................................................... 8
3.3.
Why do you make a distinction between the entity and the DBA?............................................... 9
3.4.
How can my client get an exemption for his non-household family members? ........................... 9
3.5.
What are some of the common misunderstandings about exemptions?........................................ 9
Common ownership exemptions ........................................................................................................... 9
Ownership examples ............................................................................................................................. 9
Casual employment ............................................................................................................................. 10
3.6.
What is the purpose of an Experience Modification? ................................................................. 10
Why would the Experience Modification increase when there has been no change in premium or
losses? ................................................................................................................................................. 10
Why does the premium and loss experience of a newly purchased business apply to the new owner?
............................................................................................................................................................ 10
How does coverage apply for out-of-state workers?........................................................................... 11
4.
Other services...................................................................................................................................... 12
3.7.
Agent education .......................................................................................................................... 12
3.8.
Agent assistance .......................................................................................................................... 12
3.9.
Loss Control Services ................................................................................................................. 12
Specific loss control services .............................................................................................................. 12
1. Application Information
1.1.
Required information
The Idaho State Insurance Fund (SIF) carefully evaluates each
application in order to charge an appropriate amount of premium
to adequately cover our risk. To do this, we need to know the
following items about an applicant:

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

1.2.
About the Handbook
This is a basic guide for
insurance agents of
policyholders insured by
SIF. You will learn about:
Ownership: Accurate and specific information about the
ownership of the entity is important to:
o Identify who is and is not covered under the
 The application process.
policy
 Required information,
o Identify who has the legal right to request
both from you and your
changes in coverage
client.
o Determine who is responsible for paying the

What to expect through
premium
the policy period and
Combinable or Related Businesses: In order to identify
renewal process.
our potential exposure, we need information about any

Information about
business that may be combinable with or related to the
broker of record letters.
business owners. The premium and loss information for

Reporting policy
combinable or related businesses may also be included
changes.
for experience rating purposes.
 Other services.
Previous Loss History and Previous Payment History:
We use this information to assess what payment plan
and services will be needed to best accommodate the
This information is also
policyholder's situation. We write the majority of the
located on our website,
business submitted to us. However, we need to be aware
idahosif.org.
of special challenges so we can work with you to
implement appropriate solutions.
Accurate Description of the Business Conducted: A
complete and accurate description of the business
activities is crucial to determining the proper
classification code(s) for a policy. Proper classification of the risk at the application stage is very
important. If we discover a risk has been misclassified when a claim is filed or during a year-end
audit, the policyholder may be required to pay additional premium.
How to complete an application and avoid delays
To avoid delays in the underwriting process, be thorough and accurate when completing the application.
Remember:



Before submitting the application, double check to make sure all of the information is complete
and accurate. Make certain you provide the complete mailing address and a list of all work
locations.
Give a comprehensive description of the applicant's business operations.
If there are multiple entities to be insured, submit a separate application for each entity. We can
include multiple entities on one policy, but because each entity can have different (possibly
Agent Handbook – 1
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
1.3.
combinable) ownership and separate operations with different classification codes, a separate
application for each entity is required. This will ensure accuracy once the policy is written.
Provide three years of loss information.
Provide contact names for safety and claims.
Respond promptly to telephone or written requests for additional information. Requests for
information are sent exclusively to the agent.
Do not send money with the application. Payments cannot be applied to an application until the
application is quoted, so payments received with an application will not be applied.
Be sure the applicant signs the application. Only the owner can sign the application. Office
managers and accountants do not qualify.
Sign the application indicating you have reviewed it with your client. Applications not signed by
the producer will be returned as incomplete.
Determining payment plans
After a careful review of the application and all of the information received during the underwriting
process, the underwriter will determine the appropriate payment plan for the applicant. Below we provide
a brief explanation of SIF’s payment plans and reporting options.
Installment Plan
Payroll Reporting
Installment, or "level-pay" plans, are best suited
for businesses with:
Payroll reporting plans are best suited for
businesses that:
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
Predictable payroll.
A low rate per $100 of payroll.
No plans for expansion or change.
An established history.

That are newly established.
With unpredictable or seasonal payrolls.
With a high rate per $100 of payroll.
That want a "pay as you go" plan with no
surprises at the end of the policy year.
With a poor or questionable payment
history.
Differences between monthly and quarterly reporting:
Monthly Reporting
Quarterly Reporting
Monthly reporting is best suited for:
Quarterly reporting is best suited for:



New, unpredictable business.
Fluctuating payroll with a high rate per $100
of payroll.
Policyholders with previous payment
problems.




Established businesses with good history.
Policyholders with stable and predictable
payroll.
Policyholders with a good payment history.
Businesses with low to moderate rates per
$100 of payroll.
Agent Handbook – 2
1.4.
How deposit amounts are determined
On a payroll reporting plan, the underwriter will determine if a monthly or quarterly reporting period is
appropriate. The reporting period will help the underwriter determine the amount of deposit required.
Since premium is collected in arrears, deposits should be sufficient to cover all premium due during the
period in arrears. Deposits also need to cover any future period, including the period from default to the
date of the actual cancelation of the policy.
Standard deposits
The standard deposit percentages are:


25% deposit for monthly reporting.
50% deposit for quarterly reporting.
Deposits may be increased from the standard percentages if the business:




Is a new business with little or no history.
Has an unpredictable payroll with a high rate per $100 of payroll.
Has had previous payment problems.
Has had past audits that have resulted in a large balance due.
Deposits may be decreased from the standard percentages if the business:



1.5.
Is well-established and has good history.
Has established a consistently good payment history.
Has a history of stable predictable payroll.
One applicant with multiple agents
SIF will accept applications from multiple agents for the same
applicant. When we receive multiple applications for the same
applicant, we:

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

Call all agents involved to inform each agent that we
have multiple applications.
Coordinate with all agents involved if we receive
conflicting information. We will attempt to resolve the
conflicts so all quotes are based on the same information.
Issue quotes with identical amounts to each agent who
submitted an application. Each individual quote will
show the name of the agent that the quote is issued for.
Accept the most recent agent of record letter received
prior to our receipt of the deposit.
Send the applicant a denial for each agent who submitted
an application, if the application is denied.
Applications are valid for 30 days. If another agent submits an
application after the 30-day period, we will not notify the original
agent(s) of the new application.
Agent Handbook – 3
Please note
If one agent sends us
additional information
with a request to
reconsider the original
denial, and we
subsequently decide to
accept the application, we
will not issue a quote to all
agents who originally
submitted the application.
The quote will be issued
for the agent who
continued to work with the
applicant to help them
become insurable.
2. Managing the account
2.1.
Active policies
Agent is the contact for additional information
SIF views the agent as the main contact for agent policies. We
rely on you to provide us with pertinent information related to the
policy.
We will contact you if we:




Need additional information, including ownership forms,
etc. These requests are sent directly to the agent, not to
the policyholder.
Have any questions about a policy.
Want to relay information about rates or the experience
modification factor for the renewal year.
Want to check on a policy to find out how things are
going.
Financial documents are sent directly to the policyholder
Go online for
immediate access
If you are registered to log
in to the secure agent area
of our website, you may
view and reprint payroll
reports, statements and
invoices, and renewal
information pages 30 days
in advance of the renewal
date or when they become
available.
SIF is a direct bill company. All financial transaction documents
are mailed directly to the policyholder. Financial transaction
documents include:

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


Payroll reports.
Renewal payroll reports (voluntary audits).
Statements and invoices.
Physical audit arrangements.
Application quotes.
All financial transaction documents show the agency name and phone number as the contact for questions
concerning the document.
We will send agents copies of:




All statements and invoices.
Renewal information pages.
Endorsements.
Any miscellaneous correspondence sent directly to the policyholder.
Agent Handbook – 4
2.2.
Making changes during the policy year
Please keep SIF informed of any business changes throughout the policy year including:
Payroll Change
Ownership Change
Address Change
Payroll reports that show
significantly more payroll than
the original estimated payroll
may indicate a need to increase
the deposit.
If there are any ownership
changes, contact your
underwriter to relay the new
information.
Contact your underwriter when
there is:
Payroll reports with large
upward variances are carefully
reviewed by the underwriter.
The underwriter may contact
you to discuss the increase in
payroll to determine if we have
an accurate deposit on hand.
We will send you forms to
document the change. These
forms must be signed by the
policyholder.
We will not make any changes
to the policy until we receive
written documentation.
If the underwriter decides it is
necessary to increase the
deposit, an invoice for the
additional deposit amount will
be sent to the policyholder along
with a letter explaining the
reason for the increased deposit.



A change in the
policyholder's mailing
address.
A change in accountant or
billing address.
A new location. We will
also need the address, the
business conducted at the
new location, and the DBA
name if there is one. If the
additional business location
is a new entity, we will
require a new application.
Address and location changes
can usually be made over the
telephone and without written
documentation.
A copy of the invoice and the
letter will also be sent to the
agent.
2.3.
The renewal process
The renewal process for a policy depends on the type of payment plan the policyholder is using.
Installment (level-pay) plan renewal




The policy renewal information is mailed 30 days prior to the policy renewal date.
The estimated annual premium for the renewal year is calculated by using the best available
audited yearly payroll, multiplied by the rates in effect for the renewal year and any other rating
factors that apply.
The first installment amount for the renewal year will be billed on the policy invoice date after
the renewal date and must be paid to avoid cancelation.
A renewal payroll report form will be mailed to the policyholder shortly after the renewal date.
The renewal payroll report (RPR) is a request for the total yearly payroll information for the
policy year that is ending. The report needs to be completed and returned to SIF by the due date
printed on the report to avoid cancelation.
Agent Handbook – 5


If the information received on the renewal payroll report results in a balance due for the previous
year, an invoice will be sent for the balance. Based on the amount of the balance due, we may
adjust the amount and/or number of scheduled payments for the renewal policy year.
The underwriter will review each policy after the renewal payroll report is billed to identify
possible changes and to determine if the payment amounts set for the renewal year are
appropriate. The underwriter may call the producer if there are any questions or to verify
information related to the policy.
Payroll reporting plan renewal





2.4.
The policyholder will receive payroll reports throughout the year based on the type of reporting
plan assigned. The payroll information provided on these reports will be used for interim billing
and for policy year-end reconciliation. The reports need to be completed and returned to our
office by the due date printed on the report to avoid cancelation.
When the final interim report is completed and received in our office, the underwriter will review
the policy to identify any necessary changes. The annual payroll information will be used to
determine the actual annual premium due for the policy year that is ending. The renewal deposit
will be adjusted based on the reported annual payroll. An invoice will be mailed to the
policyholder for any remaining balance due from the previous year and for the deposit adjustment
required for the coming year.
A mail audit may also be sent for completion in particular situations.
The estimated annual premium for the coming year is based on the previous year's payroll times
the current year rates. The deposit is determined as a percentage of the estimated annual
premium. The deposit percentage may be adjusted at renewal.
The underwriter may call the producer to ask questions or verify additional information received
during the renewal process or to discuss the status of the account.
Policy cancelation
Cancelation by policyholder
All policies issued by SIF are continuous and renew
automatically unless canceled by written request from the
policyholder or for cause by SIF.
A policyholder may cancel their policy at any time.
To process a cancelation, SIF needs a written cancelation request
stating when the cancelation will take effect. The request must
include:




Please note
Mid-term cancelations
may be subject to
short-rate penalties.
The policy number.
The reason for cancelation.
Must be signed by a named owner of the business insured on the policy. It cannot be signed by a
bookkeeper, accountant, or spouse of a sole proprietor.
For policies with agent representation, a signed ACORD 35 Cancelation Request Form will also
be accepted with the required information listed above.
Agent Handbook – 6
Cancelation by SIF
SIF may also cancel a policy. To do so, SIF follows the cancelation criteria outlined in Idaho Code that
specifies:

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A 10-day advance written notice is required to be sent to a policyholder whose policy is being
canceled for failure to pay premium (includes failure to report payroll), for material
misrepresentation or unforeseen changes in the risk assumed, or for "substantial breaches of
contractual duties."
A 60-day notice of cancelation is required if SIF decides not to renew the policy expiration date
or initiates a mid-term cancelation for cause.
Regardless of who initiates the cancelation process or why, SIF always issues a cancelation notice via
certified mail. The Certified Notice of Cancelation states the date and time the policy will be canceled and
the reason for the cancelation. The cancel date printed on the notice of cancelation complies with the
notice requirements outlined in Idaho Code.
2.5.
Agent of Record letters
When SIF receives an Agent of Record letter, we will:
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
2.6.
Honor requests submitted on the policyholder's letterhead or ACORD 36 form provided it
contains the policy number, effective date, and is signed by a named owner of the business
insured on the policy.
Honor a request to change a policy from one agent to another or from a direct policy to an agent
on the policy renewal date.
Honor a mid-policy term request however; commissions paid to the new agent will begin on the
renewal date following the change. The new agent will be the servicing agent from the date of the
change.
Only honor Agent of Record letters that are signed by a named owner of the business insured on
the policy. We cannot honor Agent of Record letters signed by office managers or accountants or
spouses of sole proprietors.
Notify the existing agent prior to making a change, if an Agent of Record letter is requesting a
change from one agent to another.
Order a Certificate of Insurance (proof of insurance)
Required information
As an agent, you can request a Certificate of Insurance (proof of
insurance) to be issued on behalf of your client. To issue the
certificate, we must have the following:






Policy number.
Policyholder's name (name of the insured business).
Your name.
Name and address of the person or business to receive the
certificate.
If the request is urgent, the fax number of the person or
business to receive the certificate.
Name or number of any special job reference that needs
to be included on the certificate.
Agent Handbook – 7
Please note
A mailing address is still
required even if you
request the certificate to
be faxed.
Placing the request
There are several ways to request a Certificate of Insurance. Assemble all of the required information
before you make your request.
Email
Call
Fax
Email your request with the
required information to:
Boise area
Fax your request to:
(208) 332-2138
(208) 332-2390
[email protected]
Outside Boise area
(888) 253-0149
24-hour voice message
(208) 332-2375
ACORD certificates – Print your own proof of insurance
If you carry multiple lines of insurance and prefer to issue an ACORD certificate at your office, please
note the following guidelines:


Always verify policy status before issuing the certificate. If you do not verify the status with the
underwriter, you could be issuing a certificate indicating coverage on a policy that canceled.
If there is an additional insured endorsement shown for the other lines of insurance, be sure to
indicate that it does not apply to the workers compensation coverage.
3. Frequently Asked Questions (FAQs)
3.1.



3.2.
What do I need to do if my client buys a second business entity?
Complete and submit a new application for the new business. We need to have complete
information about the nature of business, the payroll amount, and ownership detail. Be sure to let
us know if the new business is combinable with or related to the existing policy we have.
If your client's current business is experience-rated, be sure to let them know the history of the
new business could impact their experience modification rate if the ownership makes the
businesses combinable. NCCI rules state that the experience of a business transfers to the new
owners.
Remind your client that each entity will stand alone for classification and exemption purposes.
What is an Experience Rating Manual form 14 (ERM-14 – Confidential
Request for Ownership Information) and why is it important?
The ERM-14 – Confidential Request for Ownership Information form is an NCCI form used to determine
the combinability of businesses. We will request a completed ERM-14 if:



The ownership of a business changes.
A business is sold.
There are other questions related to the combinability of entities.
Agent Handbook – 8
We will submit the completed ERM-14 to NCCI for a ruling on combinability. If the two entities are
ruled to be combinable, they will share the same experience modification rate and the same NCCI risk ID
number.
3.3.
Why do you make a distinction between the entity and the DBA?
Applicants may not understand the importance of providing correct information about both their entity
and their DBA (doing business as).
An entity is the legal status the ownership has selected for their business (sole proprietor, partnership,
corporation, LLC, etc.) while the DBA is a name of a business being operated by the entity. One entity
may conduct multiple businesses with multiple DBAs.
It is important for us to know exactly what the legal status of a business is because multiple policies
cannot be written for the same legal entity.
3.4.
How can my client get an exemption for his non-household family
members?
The Idaho Industrial Commission can issue exemptions for non-household family members of a sole
proprietor. SIF cannot exempt a non-household family member without the approval of the Industrial
Commission.
To receive such an exemption:


3.5.
The non-household family member wishing to be exempt must apply to the Idaho Industrial
Commission for an exemption. If approved, the Industrial Commission will issue a written
approval to the applicant.
SIF must have a copy of the written approval issued by the Industrial Commission to place the
exemption on a policy.
What are some of the common misunderstandings about exemptions?
Idaho Code 72-212 outlines all the exemptions from the workers compensation law.
Common ownership exemptions





Sole proprietors.
Employment of members of an employer's family dwelling in his household.
Partners of a partnership.
Members of an LLC or LLP.
Corporate officers owning 10% or more of the voting stock and are also a directors if the
corporation has directors.
Ownership examples


Employment of members of an employer's family dwelling in his household refers only to
household family members of sole proprietors or a single member limited liability company that
is taxed as a sole proprietorship. Family members of partners, corporate officers, or members of
an LLC or LLP are not exempt and payroll must be reported for them.
Owners who are partners, members, or corporate officers of an entity that has ownership in any
other entity are not exempt from coverage in the entity owned by the entity they are a partner,
Agent Handbook – 9
member, or corporate officer of unless they are personally listed as an owner, partner, or member
of the owned entity.
For example – John Jones is an exempt corporate officer in ABC Corporation. ABC Corporation
owns 50% of XYZ Partnership and John Jones actively works in and is paid by XYZ Partnership.
John Jones is not personally listed as a partner in XYZ Partnership and, therefore, he is not
exempt and any payroll paid to him by XYZ Partnership is reportable.


Corporate officers must meet all three of the conditions set by Idaho Code section 72-212(6) to be
exempt. They must be:
o a corporate officer, and
o own at least 10% of the voting stock, and
o be a director of the corporation if the corporation has directors.
A corporate officer is not exempt if he or she owns less than 10% of the voting stock and is not
also a director, if the corporation has directors.
Shares of voting stock issued as "Joint Tenancy" are split evenly between the two parties specified and
the rules are applied based on the stock each party would own separately. For example, if a husband and
wife hold 15% of the corporate voting stock in Joint Tenancy, rules are applied based on each owning
7.5% of the voting stock, and neither of them are exempt.
Casual employment
Casual employment is defined in the Idaho Supreme Court Larson v. Bonneville Pacific Services Co., 117
Idaho 988 (1990) decision as, "employment that arises only occasionally or incidentally and is not part of
the usual trade or business of the employer".
3.6.
What is the purpose of an Experience Modification?
According to the NCCI Experience Rating Plan Manual, "Experience rating recognizes the differences
among individual insureds with respect to safety and loss prevention. It does this by comparing the
experience of individual insureds with the average insured in the same classification."
Why would the Experience Modification increase when there has been no change in
premium or losses?
If the dollar amount of the total losses are the same, the type of loss may be causing an increase in the emod. In the e-mod calculation, losses for medical only claims are discounted by 70% while losses
associated with time loss claims are reported at 100% of their value. So, even if the total loss dollars are
the same from one year to the next, the makeup of the loss dollars can have a significant impact on the emod.
If the dollar amount and the type of losses have remained the same from one year to the next, the e-mod
could still go up if the loss history of similar businesses with the same class code has improved. The emod calculation compares the insured's losses to the average losses in the same classification group. If the
losses of the classification group as a whole improved during the rating period, and your client's losses
remained the same, your client could see an increase in their e-mod.
Why does the premium and loss experience of a newly purchased business apply to the new
owner?
NCCI Experience Rating Plan Manual Rule 3.E.1 states that the experience of the business purchased will
follow to the new owners unless there has been a change in the business operation significant enough to
Agent Handbook – 10
change the "nature of the business". NCCI reasons that the newly purchased business will have many of
the same employees and supervisors it had prior to the purchase, and thus the same safety culture.
How does coverage apply for out-of-state workers?
An Idaho employer insured with the State Insurance Fund who has employees working in other states
need to be aware of two things:
1. Does SIF policy cover out-of-state employees?
2. Does SIF policy satisfy the workers compensation insurance laws of the other state?
Coverage under SIF Policy – SIF is authorized to operate as an insurer only in Idaho and can insure only
Idaho workers temporarily working out of state. Employees working outside Idaho on a regular basis are
not Idaho workers and are not covered under SIF policy. If an employer occasionally has employees that
work temporarily outside Idaho, they may be covered under an SIF-issued policy, provided the
employee’s employment is principally localized in Idaho.
Compliance with the workers compensation laws of other states – While an employee temporarily
working in another state may be covered under an SIF policy, the coverage may not satisfy the workers
compensation laws of that state. If an employer is held to be out of compliance in the other state, the
employer could be heavily fined for not having valid coverage required by that state. It is not unusual to
see penalties and fines in the tens of thousand dollars.
Workers compensation laws are state specific and no one state’s laws are the same as Idaho’s. If an
employee is injured while working in another state, that worker may file for benefits in Idaho, or in the
other state, or in both. If a claim is filed in another state, that state could award benefits that exceed the
benefits payable under Idaho law. In that event, SIF policy would pay only the benefits due under Idaho
law, and the employer would be required to pay any benefits in excess of that required by Idaho law.
Some state’s benefits greatly exceed the benefits payable under Idaho law.
Reciprocity agreements and extraterritoriality certificates: If an employer needs to have employees work
temporarily in a nearby state, the employer should file a request for extraterritorial coverage with the
Idaho Industrial Commission (IIC) to ensure it is in compliance with the other state’s workers
compensation laws. The IIC has entered into reciprocity agreements with certain surrounding states that
allow those states to temporarily accept coverage under an SIF policy as compliant. Currently, the IIC has
reciprocity agreements with Montana, Nevada, North Dakota, Oregon, Utah, Washington and Wyoming,
but this is subject to change and not controlled by SIF. Always check with the IIC for up-to-date
information regarding reciprocity agreements.
Most reciprocity agreements limit extraterritorial coverage for employees temporarily working in their
states for up to six months. Montana and Nevada do not allow reciprocity for construction work. States
without reciprocity agreements in force do not recognize an SIF policy as being compliant with their
workers compensation laws.
To take advantage of reciprocity agreements, the employer must obtain an extraterritoriality certificate
from the IIC. SIF is not responsible for obtaining extraterritoriality certificates. Any time an employer
considers working across state lines, the employer should check with the workers compensation
regulatory authority of the state where an employee will be working to ensure that a SIF policy meets the
requirements of that other state’s laws.
Agent Handbook – 11
4. Other services
3.7.
Agent education
The Agent Relations Coordinator and underwriters are available to assist agents with general questions
about the State Insurance Fund and our workers compensation policy. If you or anyone in your agency
would like to know more about the State Insurance Fund or the services we offer, please contact us at
(208) 332-2100.
3.8.
Agent assistance
Field service representatives are available to provide information to assist you with client visits. Some
common areas they provide information to assist you are:
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3.9.
New policy reviews – Field service representatives are available to assist you with any
information you need to meet with your client to review their new policy. A review of the general
provisions of a policy including class codes, rates, experience modifiers, payroll reports, payment
plans, due dates, and certificates of insurance can be a valuable educational experience for a
client who is new to workers compensation.
Renewal visits – Field service representatives are also available to assist you with information
you need to meet with a client prior to their policy renewal. We can provide you with policy
specific renewal information (new rates, e-mod, payment plan, loss history, etc.), and inform you
of any changes that will occur when the policy renews.
Loss Control Services
Our Loss Control Consultants are available to assist with reducing injuries and controlling losses through
our consultation services. We can assist you with:
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Developing a written management safety policy.
Establishing a claims management program to monitor claims progress and return injured.
workers to light duty, modified duty or regular work as soon as possible.
Safety training for your managers, supervisors and employees.
On-site visits to help identify and correct physical hazards.
Work observations to analyze work processes and help develop safe work procedures.
Specific loss control services
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Loss prevention surveys: To evaluate a policyholder's current loss prevention effort and identify
loss prevention activities or actions the policyholder can take to help reduce or eliminate potential
injuries.
Supervisor Safety Training Program: A course designed to teach supervisors how to conduct
loss prevention activities, reduce losses and improve performance and productivity.
Supervisor Accident Investigation and Report Training: A one-hour course intended to help
supervisors understand how to complete an accident investigation report, determine the root
causes, and take corrective action.
Analyze loss history: As part of a loss prevention field visit, we will help policyholders review
their company's loss experience and how it impacts their workers compensation costs and
business expenses. Based on that analysis, we will recommend loss prevention activities that can
help reduce those costs.
Agent Handbook – 12