Daniel and Henry aims to help you avoid the "pound of cure." Our goal is to create a relationship with your organization to reduce the potential for financial and human losses. The Daniel and Henry Loss Control Department makes sure measures are taken to reduce the financial impact to your organization. We use a systematic approach to serve our clients. This process involves a comprehensive assessment, reviewing areas of major concern - exposure, administration, regulations and injury management - each of which is detailed below.

Loss Exposure
We assess the exposure to loss that your organization has frequently encountered. We base our assessment on careful study of past losses and current observations of your facility and processes. When evaluating past losses, we concentrate on the severity and frequency of claims. While we believe in the concept that "frequency breeds severity", we also believe in the 80/20 rule; i.e., 20 percent of accident types result in 80 percent of dollars paid. Therefore, we believe that if we can pinpoint the 20 percent and concentrate our efforts toward improvements there, we can help your organization reduce the dollar amounts previously assigned to cover its 80 percent risk factor. The extent of the assessment depends on the information that you, our client, make available to us. We also conduct on-site observations to uncover exposures that may not show up in the loss history or provide adequate explanation in our loss-trend analysis.

Administration/Organization
Our assessment of the managerial and supervisory role evaluates practices that support sound risk management, and includes areas such as accountability, accident investigation, supervisory training, employee training and new employee orientation. By these actions, we are dedicated to strengthening your management response to the exposures or risk faced by your organization.

Regulatory
While employee or customer injuries and damages to property can cause losses, the other loss potential is that of regulatory compliance. If fined by OSHA or another regulatory organization, the monetary penalties can be a disaster to your firm. While we cannot guarantee that our services would keep you from being subject to fines, we will review those areas that are frequently cited by OSHA and establish a response. We will evaluate your current regulatory programs, as well as documentation for training, observe compliance practices and other OSHA response elements to minimize this potential. Your OSHA preparedness and risk-control measures will reduce the fines, injuries and damages your firm would have faced.

Injury Management
From a Workers Compensation standpoint, what occurs after an accident can have a severe impact on the total cost of the claim. From our experience and our knowledge of the process we may recommend one or more programs such as Return to Work, Litigation and Claims Management, Directed and Comprehensive Medical Care. Effectively implementing the correct response can have a positive impact on the dollars paid to respond to the incident.

Our service process and plan is designed to help you identify risks and the appropriate control measures for us to implement. We demonstrate flexibility and resourcefulness to meet your needs.

Please contact your broker or Daniel and Henry Loss Control Services to schedule a visit. We look forward to the opportunity to join your team.