Loss Control — Frequently Asked Questions
Loss Control is the process of identifying workplace hazards, evaluating safety programs, and helping employers reduce the frequency and severity of employee injuries. In the assigned risk plan, Loss Control services may be required to promote safer operations and manage claim exposure.
A Loss Control survey helps us gain a clear understanding of your day‑to‑day operations, workplace activities, and potential exposures. By reviewing equipment, processes, safety practices, and employee training, we can identify opportunities to reduce the likelihood and severity of workplace injuries. The goal is to protect your employees, improve safety performance, and support the long‑term stability of your business and insurance program.
A Loss Control survey helps identify potential workplace hazards before injuries occur. It supports employee safety, promotes safer operations, and ensures your business activities are accurately understood. The survey also provides customized recommendations to strengthen your safety practices, which can help reduce future claims and long‑term insurance costs.
Improving workplace safety may lead to fewer injuries and claims, lower experience ratings, and reduced overall claim costs. Strong safety performance may also help employers qualify for voluntary market coverage in the future.
During a visit, a Loss Control representative may:
- Review your operations and job activities
- Discuss prior injuries or claim trends
- Evaluate existing safety programs and training
- Inspect work areas or equipment
- Take photographs of work areas, equipment, or processes as part of the safety assessment
- Provide written recommendations to help improve workplace safety
You may be asked to provide items such as:
- OSHA injury and illness logs
- Safety manuals or written safety programs
- Employee training records
- Equipment maintenance documentation
- Hazard communication materials
- Job descriptions or workflow details
- Critical recommendations are required to maintain compliance with your policy. These must be completed within the specified timeframe to keep the policy active.
- Desirable recommendations are strongly encouraged but optional. While they can significantly improve safety, they do not affect the active status of your policy.
If serious hazards or compliance concerns are identified, written recommendations may be issued with required completion deadlines. These improvements are intended to help protect employees and reduce workplace risk. A Loss Control survey may be conducted during a subsequent policy term to help verify that required recommendations have been implemented.
Failure to comply with required (critical) recommendations may result in follow up visits, underwriting review, policy action, or other procedures, depending on state assigned risk plan rules.
No. Loss Control focuses on workplace safety and injury prevention. A premium audit is a separate process used to verify payroll, classifications, and exposures to determine your final premium. The two serve entirely different purposes.
