What is Risk Control?
Risk control is a term used in the insurance industry involving activities or actions to minimize incidents, injuries and losses that could affect policyholders’ loss experience. Exposures are typically controlled utilizing Engineering, Work Practice, Administrative, Behavior Based, and use of Personal Protective Equipment to Avoid, Reduce, Segregate, and/or Prevent the loss exposure.

The Risk Control Department is comprised of dedicated safety professionals who work with policyholders to assist them in reducing the number and severity of injuries and accidents. Service Lloyds provides safety training materials, expert advice, hazard identification surveys and onsite consultations designed to help policyholders reduce workplace injuries resulting in a more productive work environment and greater profits.

How can accidents/injuries be reduced and/or prevented?
There are numerous strategies to reduce or prevent injuries and one of the most effective methods is to motivate employees to take personal responsibility for their safety. Employee involvement in routine safety meetings, employee safety committees, and routine hazard assessments of the workplace to identify and eliminate physical hazards are key to achieving that goal. Promoting and establishing a Positive Safety Culture in your organization will ultimately result in fewer losses, higher productivity, and greater profits.

Do I need a written Safety Program?
Yes. Whether you are a small, medium, or large organization, a Safety Program will establish a process to identify relevant exposures so that effective controls can be implemented to prevent potential future workplace injuries and incidents. As with HR Policies & Procedures, the Safety Program establishes specific safety policies & procedures designed to promote a safe work culture and reflects the processes tailored to your specific organization. Additional risk specific written programs addressing machine guarding, lockout tagout, confined spaces, hazard communication, personal protective equipment, and others may also be necessary. Service Lloyds can help your organization identify which programs should be developed and provide support in tailoring the safety programs to your organizational needs.

What are the most common injury exposures to most employees?
Motor Vehicle Accidents (Driving Exposures); Back Injuries (Lifting, Pushing, Pulling Exposures); and Falls (Slip/Trip/Falls, Fall from Heights/Ladders) are the most common types of injury exposures to employees in most industries. These exposures can be prevalent either at your company facility, at a customer’s location, or at jobsites. Promoting and establishing a Positive Safety Culture with your employees will help control these exposures. Service Lloyds can assist your organization in the development of a positive safety culture.

Should all injuries, even the small ones, be reported to the insurance company?
Yes. Claims should be reported to Service Lloyds as soon as possible to ensure the best probable outcome. Statistics show that the sooner the claim is reported to the carrier, the lower the ultimate costs for that specific claim will be and the quicker the employee will return to full duty. Key to successful claims management is communication with all parties. And, by reporting all claims, the Risk Control department gets an accurate assessment of your accident history and is better able to assist you.

Is my Company under the jurisdiction of OSHA?
Employers in the State of Texas are covered by federal OSHA regulations. There are some exemptions for small employers (less than 11 employees) related to maintaining the OSHA 300 logs and specific industries that can be found at www.osha.gov. Our Risk Control Consultants are available to provide additional assistance with regulatory compliance.

Why should safety meetings be documented?
Documented safety meetings demonstrate a good faith effort by the employer to provide the knowledge and skills necessary to prevent workplace injuries. These records document which employees were trained, what topics they received training on, and when the training was provided. They can also be used as a tool to help management determine the effectiveness of the training provided (if losses continue to increase on topics covered, then the training provided is most likely ineffective).
Risk Specific safety training must be provided to staff as required by federal OSHA, depending on your industry and exposures. These topics may include, but not be limited to, Hazard Communication (GHS), Forklift Certification, Lockout/Tagout, Confined Spaces, Respiratory Protection, and Personal Protective Equipment. Service Lloyds can provide relevant training resources and onsite assistance in support of these efforts.

Where can I obtain safety training materials?
Safety training resources, posters, and written programs can be obtained from Service Lloyds at no additional cost. E Learning products consisting of streaming safety videos and a Learning Management System are available to our policyholders at no additional cost. Additional resources can be obtained at www.osha.gov and through the Texas Department of Insurance at http://www.tdi.texas.gov/wc/safety/videoresources/index.html.

What is a return-to-work program and why do I need one?
A Return to Work (RTW) Program is effective in returning injured employees back to meaningful work as soon as possible after the injury has occurred. An effective RTW program will reduce the cost of the claim by as much as 50%. Employers should identify or create a “Light Duty Job Bank” of potential modified duty activities that are meaningful and productive to the organization. Service Lloyds claims adjusters and Risk Control Consultants can provide assistance in the development and implementation of the RTW program at your company.

To request assistance, please email riskcontrol@servicelloyds.com.