LOSS CONTROL SERVICES

While our Claim Services professionals assist our clients in managing their claims, BWD's Loss Control Service team works hard to help prevent or reduce the frequency and severity of losses.

BWD supports our clients' goals by providing high quality, highly responsive Loss Control services.

Today's organizations are faced with ever changing risks that must be addressed in a systematic manner to avoid or reduce the likelihood or severity of loss producing events. Such events frequently result in employee injuries or third party injury and/or damages resulting in direct and indirect losses. Direct losses are typically financed by Workers' Compensation, Automobile Liability, and General Liability insurance, commonly on a cost-plus basis. Indirect losses are often not readily apparent, but nevertheless impact the success of organizations by adversely affecting productivity and increasing the cost of operations. Examples include employee downtime, overtime, training costs, paperwork, and fines from regulatory agencies.

BWD's Professional Services Group consultants managed by our Loss Control Account Manager are experienced and particularly well qualified in supporting client organizations in identifying and eliminating actual and potential sources of loss. Additionally, we are very adept at marshalling the resources of insurance company risk control personnel. In this way, we assure that the funding allocated for risk control within insurance programs is appropriately utilized and most effectively directed to the benefit of the client organization.

• In-depth claims analysis using data as provided by the carrier/TPA to identify loss trends and to support risk control activities. Includes providing expanded statistical support; e.g., exposure weighting, point-in-time comparisons, loss triangles, etc.
• Onsite consultations followed by confirmation letters and reports with suggestions as appropriate.
• GAP Assessment Safety program review to assess, measure, and make recommendations to improve the effectiveness of clients' safety programs. We can also tailor safety policies to bridge any identified gaps. Our GAP Assessment reports are designed to benchmark client performance to assist in measuring ongoing improvement.
• Regulatory compliance consulting on OSHA and other regulatory issues. Services include compliance strategies for the particular standards applicable to the client.
• Provide client safety related training including that required by regulatory agencies such as OSHA.
• Major loss investigation to assist in determining incident causes and future loss avoidance strategies.
• Return to work/modified duty program support for reducing the cost of the indemnity portion of Workers' Compensation claims.
• Plant closing strategy consultation developed in concert with our Claim Services staff to minimize potential WC exposures.
• Safety committee participation to guide and enhance the client's ongoing safety efforts.
• Manage carrier risk control services to assure that the client receives the appropriate services as included within the insurance program.
• Due diligence support activities for client acquisitions of new operations.
• Support account marketing efforts to help assure that the client's safety and loss control program and practices are appropriately evaluated and taken into consideration by carrier underwriters.
• Specialist services providing client with suggestions for utilizing third party services, as appropriate. Examples include:
• Ergonomics/Manual Material Handling: Training and consultative services in human factors engineering are available through specialists selected by BWD. This service discipline encompasses the analysis of the interaction among employees, machine and environment in a specific workplace thus improving employee comfort and reducing potential for various cumulative trauma injuries and illnesses.
• Industrial Hygiene: Scientific measurement of the precise concentration of specific chemical contaminants in the workplace by an industrial hygienist selected by BWD. This process identifies hazards that can adversely affect employee health. Assistance in establishing appropriate engineering and management controls to control unhealthy conditions completes this process.
• Fleet Safety: Assessment of programs designed to manage the safety aspect of fleet operations.
• Behavior Based Training: To show participants how to implement a behavior based safety process, to understand why employees behave the way they do, and provide the skill set necessary to utilize behavioral feedback. We utilize the model of Activators, Behaviors and Consequences and develop the set skills needed to identify these components using examples generated in training.
• Hostility Management Training: Hostility Management Training answers the question: "How do we handle the individual who has been triggered into imminent aggression?" This training presents "take and use" techniques and strategies in reducing and defusing aggression and imminent violence. Through a variety of verbal skills, spacing principles and physical responses, participants learn strategies to defuse or escape potentially violent situations.