Loss Control Overview
Our overall Loss Control philosophy is to forge a partnership between the Insured, Producer and our C&F Loss Control department. Working together, a customized service program can be specifically designed to target your loss sources.
Planned Service Approach
The Crum & Forster group of companies has developed a "Planned Service Approach" for implementing loss control services. This procedure enables us to work with you to identify loss sources - both actual and potential - and determine ways to help you minimize your loss costs and expenses.
- We conduct a thorough study of your company including exposures, hazards and accidents.
- Together, we review your current loss control efforts, physical location and loss records.
- Based on our evaluation, we discuss and consult with you to pinpoint problem areas of loss causes.
- We create an Action Plan with recommendations to strengthen existing programs, where appropriate.
- Together, we maintain an ongoing review of the Action Plan to evaluate progress and effectiveness.
If your operations include multiple locations, your local C&F office acts as the service coordinator and oversees the development and implementation of your loss control Action Plan. This provides the foundation for a close working relationship between you and our loss control consultants.
Loss Control Services
The Crum & Forster companies offer the following range of specialized Loss Control Services:
- Life Safety/Property Loss Control
- Loss Analysis
- Occupational Health Services
- Fleet Safety Evaluations
- Audio Visual Library
- Contractors/Construction Safety
- Products Liability
Click here to learn more about these specialized Loss Control Services we offer.
Contract Risk Control Consulting Services
The Crum & Forster companies offer risk control services on either a consulting or contract basis. Self-insured or captive companies desiring technical loss control services for local, regional, or national operations will find the program particularly useful. The Crum & Forster risk control team applies loss control principles and accident prevention techniques to an operation's actual and potential loss sources. Our review of an operation covers a broad area including:
- Workers' safety
- Fleet loss control
- Products and/or public liability
- Property fire protection
The Bottom Line
An effective Loss Control Program will benefit a company’s bottom line. First, a positive loss record may reduce the cost of your insurance coverage. Second, because every industrial accident involving an employee, motor vehicle, customer or property results in insured and uninsured costs, preventing such accidents is a real money saver.
Insured costs are fairly obvious. They may include:
- Disability and medical payments
- Legal expenses
- Fire losses
- Motor vehicle injuries and damages
- Damages from liability occurrences
- Damages from product claims
Uninsured costs (which may include things such as management’s time and negative publicity) may not be so obvious but may have the greater impact on profits.
Crum & Forster’s Loss Control Services are designed to save you time and money. Although these services are not provided to all insured’s, they are offered based on your particular needs either on a consulting or contract basis. The actual program developed will depend on the level of service agreed to or purchased.
NOTE: Jurisdictional loss services are provided to policyholders per individual state regulatory requirements.