I find problems before they occur

LossControlFor many people, getting an insurance policy is pretty straight-forward. You have something you need insured, you call an agent, he or she takes your application, calculates your payment, the company issues a policy and presto! You’re insured.

That works in some cases, but in many others – especially farms and businesses – it’s more complicated.

LossControl.1I’m one of 13 loss control specialists for American Family Insurance. My job is to go to a farm or commercial business we insure (or want to insure) and assess their current level of safety. After I inspect a property, I’ll go over my findings with our customer – or potential customer – to explain how they can reduce their potential for accidents, injury, and property damage.

I actually do two very important jobs for American Family.

The first is to consult with our largest accounts and help them reach the highest safety level possible in their operations. I look for potentially dangerous conditions and recommend ways to head off a problem before it occurs. If I see something that’s dangerous, I can suggest ways to correct the problem, or, if necessary, suggest replacement equipment that is safer. I can also train a customer’s employees in proper safety procedures and show them how to do their job with safety in mind. This creates a win-win since it reduces their likelihood of a loss, but also bolsters our retention and profitability.

My second job for American Family is to look over a property or business we’re considering insuring. An agent or an underwriter might ask me to see if there is anything that might be unsafe, dangerous, or could cause an injury. My safety review not only benefits the company, but is a real help to a prospective customer. LossControl.2.In some cases, I’ve seen unsafe equipment that presented a fire hazard. When I explained it to the prospective customer and told them everything in the building could be destroyed if changes weren’t made, (in one case, the building was filled with antique tractors!) they were very grateful since they never realized the risk was there.

Many times I point out something a prospective customer sees, but didn’t realize was dangerous such as a missing machine guard or hand rail on stairs. I often hear, “I’ve seen it that way for years and never thought it was unsafe. Thanks for pointing it out.” Hopefully, by pointing out an unsafe condition or piece of equipment, I can prevent an injury or loss.

Some people may think, “Why bother? That’s what insurance is for.” Truth is no one wants to see someone injured, equipment damaged or property lost because of unsafe conditions. By working with our customers to identify and correct unsafe conditions, I can hopefully prevent an injury or death and avert an accident that puts someone out of business.

** Dan is a loss control specialist working outside the office, in a field position.

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