Underwriting Considerations

The Top 10 most-desired risk-quality characteristics

Calvin Beyer, head of manufacturing for Zurich North America Commercial’s customer industry segments, offers this list of the best practices it looks for at the companies whose Workers’ Compensation programs the carrier is considering covering.

  1. Top-down management commitment to productivity, quality, risk and safety
  2. Assigned responsibility for injury prevention and claims management
  3. Sprain/strain prevention
  4. Prompt reporting of claims and coordination with adjusters
  5. Partnership with occupational medical specialists
  6. Functional modified-duty return-to-work program
  7. Active safety supervision
  8. Root-cause analysis of incident with corrective actions
  9. Safety communications/employee recognition
10. Safety or risk-performance metrics

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