Take a proactive step in managing your insurance premiums and create a safer workplace environment with a customized risk management plan.

Improving the safety of your businesses’ work environment has obvious health and well-being benefits for your employees, but it can also directly affect your bottom line by lowering your insurance premiums over time.

Businesses that engage in a comprehensive multi-year risk management program save an average of 57% on their premiums by lowering their Experience Modification Rating. Risk management specialists will work directly with your business, performing on-site recommendations and regular check-ins to help prevent workplace accidents and assist with OSHA and DOT compliance. We can even help you manage claims and perform HR and risk financing services.

The cost for a Loman-Ray risk management plan is typically between 5 – 20% of the price of an “in-house” department, depending upon the scope of duties desired. Utilizing our resources is an efficient method of gaining access to experienced risk management personnel.

Our team of safety professionals guide you through an ongoing process to help mitigate risk, achieve
compliance, and ensure the establishment of an enduring safety culture. With this continuous, outsourced
approach to safety awareness, clients have seen as much as a 93% reduction in their direct injury costs
within two years and 2 to 3 times that amount in indirect employee related costs. Let Loman-Ray get you
started on the right path with a free risk assessment by an experienced safety professional.

1. Risk Discovery Fact Gathering | Risk Analysis | Contract Review
2. Risk Assessment Likelihood of Loss | Frequency and Severity | Impact to Owners

3. Risk Treatment Avoidance Strategy | Retention | Transfer Risk Contractually | Safety Program Development

4. Program Implementation Implement Non-Insurance Options | Proactive Claims Management |
   Injury Prevention Compliance | HR Policies (ex: Handbook)

5. Risk Monitoring Program Monitoring | Making Changes as Needed | Inquiry Response

6. Periodic Overview Ongoing Review | Regulatory Updates (ex: DOT, OSHA)

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.