Let’s face it! Insurance rates are higher than they have ever been with no end in sight. The only defense you have against additional increases in premium is keeping your own losses to a minimum. Whether you are a business owner or a homeowner, the lesson here is “loss prevention”. A proactive approach to loss prevention may cost you more up front, but will cost you less in the long run.
To find additional information in setting up your Injury and Illness Prevention Program (SB198) required by the State of California go to: http://www.dir.ca.gov/dosh/dosh_publications/iipnonhigh.html.
Also within this section is a checklist you can use to identify and prevent hazardous situations which may ultimately result in a claim. Click here to download this list.
Part of your loss prevention program, whether you are a business owner or homeowner, is to ALWAYS obtain from your subcontractors certificates of insurance which provide proof of liability and workers compensation insurance. It is always a good idea to check to see if the contractor you are using is a licensed contractor with the State of California. This can be easily accessed via http://www.cslb.ca.gov. Simply navigate to the “applicant” section and check license status. Either type in the name or license number of contractor and receive instant information.
Additional Resources for loss prevention:
- A newsletter that provides an update on current loss control regulatory and technical issues.
- An ergo-specific site
- The California Occupational Safety and Health Association Official Website
- The Highway Loss Data Institute
- Insurance Institute for Highway Safety
- Federal OSHA