1. Loss Control Duties
Schedule and attend appointment with proper attire for the industry and Personal protective equipment
(PPE), if needed.
Be prepared for the survey with general understanding of the account through review of past reports,
attachments and/or website. Loss history should be analyzed with large losses and claim trends
identified.
Address Underwriter concerns and loss analysis with a physical survey of the facility conducted with
attention to potential loss exposures. At the conclusion of the tour, the Consultant will review findings with
their contact, determine commitment for recommendation compliance and answer any questions.
During the prospect or initial survey, the Loss Control Consultant will develop a basic service framework
for the specified account. This will be outlined in the Action Plan – Service Level Accounts section of the
Risk Assessment Report.
A formal Action Plan is mandated for accounts over a thresh hold in premium and will be completed by
the assigned consultant within the first 30 days of policy inception (60 days if a Risk Assessment report
needs to be completed). Service levels will be determined by the Consultant with the objective of
achieving efficient and effective improvement/management of the insured’s claims results for the said
policy year.
A partnership between the Claims and Loss Control teams is encouraged to optimize account results.
Claims will alert the Loss Control department of serious or deadly injuries, unusual claim trends
associated with a particular account or other claim issues which require field assistance.
Underwriters are provided with set guidelines on evaluating accounts which have mills, lathes, punches,
press brakes or shears. A machinery use questionnaire can be used in lieu of a physical Loss Control
survey. The questionnaire is completed by the account and forwarded to the Underwriter for review.
Each Consultant is assigned a specific territory based on regions and zip codes. The Consultant is held
responsible for managing results within his/her designated territory.
Each month an Inventory Report is generated which highlights accounts with ex-mod, loss ratio, claim
frequency and severity issues. It is the Consultant’s responsibility to review the report and schedule
related service to address the identified issues.