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Safety benefits everyone, facilitating an efficient, productive, and "injury-free"
environment. Therefore, the best way to reduce expenses incurred as a result of
accidents is through prevention — a holistic approach to claims and medical management.
At GUARD Insurance Group, our loss control staff has the educational background, general
expertise, and hands-on experience to assist our policyholders in creating and maintaining
a safe workplace — all in a cost-effective manner. We have a strong background in numerous
industries and understand the unique exposures and practical realities of most operations.
By being intimately familiar with the day-to-day problems faced by large, medium, and small
businesses, we can help to identify and implement solutions, eliminating or at least reducing
both direct and indirect costs associated with claims.
Sources of Savings
Direct savings can include earning safety credits (depending upon the state) or improving an
employer's loss ratio which can lead to lower insurance premiums.
Indirect savings include reduced operating expenses such as: less downtime after an accident,
less overtime wages to overcome staff shortages, less expense resulting from hiring and training
new employees, etc.
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