2 minute read
Insurance Watch: Be proactive on loss control
by WorkBoat
Insurance Watch
Be proactive on loss control
If you hang around vessels, shipyards, terminals, and insurance long enough, you are bound to become familiar with the strange ritual of the loss-control visit.
The frequency of these visits depends on the insurance company but at some point, risk engineers will show up clad in high-visibility clothing and hard hats, usually clutching a camera to inspect your boat or facility for potential hazards and issues. They always issue a report and list “recommendations” (read requirements, lest
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www.phoenixlaborgroup.com you lose your insurance), which can often feel hard to digest.
It doesn’t have to be that way, however. By taking a proactive approach to risk management and drawing on the resources of your insurance company (resources your premiums fund), those loss-control visits can feel less like a visit by a drill instructor looking for an unmade bed and more like a collaboration with safety specialists. These specialists can save you money and ensure your people head home each day injury free.
In preparing for a loss-control visit, work with your insurance agent and take a preliminary walk-through to see if you both can spot any easy xes or potential trouble spots (a frayed cord on a tool for example, or sloppy housekeeping in a workshop). Having your own punch list of planned corrections and improvements will minimize any surprises and make it easier to budget for the xes. When the loss-control team visits, rather than just relying on the written report, be sure to ask them to ag issues in a post walk-through meeting so you can discuss them while memories are fresh.
When the report comes in, be prepared to respond with a timeline to address the recommendations. I’ve often found that draconian demands to make immediate xes soften if you demonstrate a willingness to work on trouble spots at a reasonable (and often more affordable) pace.
Use the tools insurers provide, both online and in person, to make the most of your premium dollars and improve the safety and risk pro le of your business.
BY DAN BOOKHAM
