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Working With Your Workers’ Compensation Carrier’s Loss Control Consultants

Every business person knows to take advantage of the resources that are already available – particularly the ones that won’t cost you any more than you’re already paying. The challenge, sometimes, is in identifying what your resources are.

Your workers’ compensation carrier’s bottom line interest is in avoiding paying benefits that result from workplace injuries. This can make the loss control representative assigned to your policy a valuable asset in ensuring your safety program is up to snuff. After all, fewer injuries at your business means fewer claims for your carrier. If you don’t know who your loss control representative is, the answer should be as close as a phone call.

Once you have identified your loss control representative, you can work directly with that person to review your existing safety programs to identify shortcomings or areas needing additional development. Your loss control representative should also be able to help ensure that all of your required written safety programs are in place, and to introduce fresh ideas for your safety program that you may not have thought of on your own. Your carrier’s loss control department is funded by a portion of your premiums. Make sure you get your money’s worth.

One caveat: Your loss control representative’s primary responsibility is to your workers’ compensation insurance carrier, and while your interests should for the most part coincide with those of your carrier, in some circumstances they may not. One such case would be if your safety program has such significant deficiencies that your loss control representative’s reports to your carrier result in increased premiums or loss of renewal. If you have serious concerns about the effectiveness of your safety program, it may be best to forgo contacting your carrier directly, and to work with an independent consultant instead. That said, these cases are few.

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