Advice.  protection. trust.

Preventative

Safety Committee

Background Checks

OSHA Training

Contract Review

Staff Training 

Wellness Program


To get a sense of your company's TCOR, consider the preventative measures the business is taking, the direct expense you incur, and the overall indirect costs associated with incidents that interrupt business.   Lists of some sample costs are below - you may have more.



Indirect

Lost Time -Away From Work/Supervisory Time

Lost Growth/Profit

Lost Expertise

Ability to Bid Jobs

First Aid

Post-Accident Testing

Clean-Up Costs

Re-Training Staff

Increased Premiums

Loss of Reputation

Employee Morale


consider your total cost of risk (TCOR)

Direct

Insurance Premiums

Insurance Deductibles

Self-Insured Retentions

Claims - Not Covered

Experience Modification

Legal Expenses