Safety and loss control consultation
Fewer accidents, a lower experience mod and lower workers' comp cost. Our safety professionals build programs that protect your people first, and reduce insurance cost as a result.
Construction, manufacturing and transportation
Safety and cost are the same conversation
Every workplace injury brings lost time, a higher experience modification rate and years of higher workers' comp premiums. A strong safety culture does the reverse.
Our safety professionals provide hands-on loss control — on-site hazard assessments, OSHA-compliant programs, targeted training and return-to-work strategies — that protect your people and bring insurance cost down at the same time.
Three businesses, safer and less costly to insure
Illustrative examples of what a safety and loss-control program does to claims, experience mods and premiums.
Twelve claims a year and a 1.42 mod
An 85-employee metal-fabrication shop averaged 12 workers' comp claims a year with a 1.42 experience mod, paying $310,000 with 8–12% annual increases. We implemented weekly toolbox talks, hazard-identification training, PPE enforcement, ergonomic workstation assessments, behavior-based safety observation and near-miss reporting with root-cause analysis.
- Premium before$310,000
- Premium after$183,000
- Lost-time claims12 to 3 (75% fewer)
- Experience mod1.42 to 1.08
- Projected three-year savings$420,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Our safety and loss-control process
Safety assessment
An on-site inspection that identifies hazards, OSHA-compliance and recordkeeping gaps, equipment deficiencies, ergonomic exposures and the operational risks driving your claims, with a baseline of recordable trends.
Program development
Customized written safety programs, incident-investigation and root-cause protocols, fleet-safety and inspection systems, and documentation ready for OSHA inspections.
Training and culture
On-site training for managers and workers, behavior-based safety and peer observation, safety-committee structure and facilitation, and employee engagement and accountability.
Measure and sustain
Tracking recordable rate, lost-time frequency and experience mod; return-to-work and claims-reserve management; an experience-mod strategy; and quarterly visits with ongoing consultation.
Twelve services behind the results
Comprehensive safety assessment
On-site inspection identifying hazards, OSHA-compliance gaps, equipment deficiencies and operational risks needing correction.
OSHA compliance review
Audit of OSHA standards, recordkeeping, training mandates and injury reporting to help prevent citations and penalties.
Ergonomic assessments
Analysis of repetitive-motion, lifting and musculoskeletal risks, with engineering controls and work-practice improvements.
Safety program development
Written programs — policies, procedures, training protocols and documentation — that meet regulatory requirements for your industry.
Incident investigation protocols
Root-cause methods, investigation procedures and corrective-action tracking that prevent repeat incidents.
Fleet safety management
Driver training, vehicle inspections, telematics and dash cameras that reduce auto liability and property-damage claims.
Ongoing safety support
Quarterly on-site visits, monthly safety communications, policy updates and continuing consultation.
Safety training and education
On-site training on hazard recognition, PPE, equipment operation, emergency procedures and compliance.
Behavior-based safety programs
Peer observation, positive reinforcement and engagement that build ownership at every level.
Safety committee development
Committee structure, agendas, hazard-reporting systems and continuous-improvement processes.
Return-to-work programs
Modified-duty protocols, medical management and transitional assignments that reduce lost time and claim costs.
Experience-mod reduction strategy
A multi-year plan targeting specific loss drivers, managing reserves and tracking progress toward a lower mod.
Why the experience mod matters
Fewer claims lower your experience mod, and the mod is the multiplier on your entire workers' comp premium. As a rough illustration, premium improvements of about 15% are typical early gains, 30% a typical result and 45% a strong one. On a $250,000 premium, a 30% improvement is $75,000 a year, or about $225,000 over three years, along with fewer injuries and less downtime. Actual results depend on loss history, mod, payroll and how fully the program is adopted.
Safety professionals who understand insurance
Experienced safety professionals
OSHA-trained safety specialists, certified industrial hygienists and risk-management professionals with hands-on construction, manufacturing and transportation experience.
Washington L&I knowledge
Familiarity with the Washington Labor & Industries experience-rating system, claim appeals and retrospective rating programs.
Safety tied to premium
We share loss-control results with carrier underwriters to support rate reductions and better terms.
Build a safer workplace
Request a complimentary safety assessment that identifies specific ways to reduce injuries, lower workers' comp costs and strengthen OSHA compliance.
Descriptions are general summaries for education. They are not a statement of coverage, an offer or a binder. Case studies, percentages and dollar figures are illustrative examples, not guarantees or representations about any business; actual outcomes vary by industry, loss history, experience modification, payroll, program adoption and market conditions. Consulting does not guarantee OSHA compliance; compliance responsibility remains with the employer.