Loss Control

As noted above, a good loss control program can have a dramatic effect on workers’ compensation insurance costs. In addition, a formal loss control program was mandated by the California State legislature when it enacted Senate Bill 198 effective January 1, 1990. This law simply codified what was always recognized as good management safety practice. It required a Management Statement of Safety Policy and assignment of responsibility for implementing a plan. It requires a system for identifying and evaluating workplace hazards and one for investigating the causes for injuries and following up with measures for preventing similar ones in the future. In addition, SB198 requires occupational training, a communication system, such as a safety committee, and record keeping systems for documenting the implementation and operation of the safety plan. Finally, the plan must have a system in place to ensure employee compliance with safe and healthful work practices. Should CAL/OSHA make an inspection, either due to an employee complaint, a serious injury or an experience modification that exceeds 1.25%, the first thing they ask for is a copy of the firm’s written safety plan. Tegner-Miller Insurance Brokers, with its many years of experience, is eager and capable to work with their clients and with insurance company loss control personnel in creating and implementing a loss control plan that fits each individual firm. In addition, we have access to consultants who can actually write a plan and ensure that the firm is CAL/OSHA compliant.