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Risk Management
Our risk management programs are designed to
minimize your workers’ compensation claims by
helping you to create a safer workplace and return
your employees back to work more quickly when an injury
occurs. The result: better control of costs
along with improving morale and reducing
employee turnover.
Work with leading providers
Howard Leasing maintains fully insured programs
with Companion Property & Casualty, BancInsure. Inc, and Imperial Casualty. Under our
pay-as-you-go policy, there are no deposits,
prepayments, or audits. The result is a stable
and predictable cash flow.
Benefit from our preventive approach
Our ability to reduce the number of (and total
cost of ) workers’ compensation claims arises in
part from our expert, on-site surveys and
training programs aimed at eliminating safety
hazards before they lead to injuries. Programs
include:
- Hazardous Communications
- Bloodborne Pathogens
- Tuberculosis Exposure
- Violence Prevention Program
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- Construction Management
- Safety
Training
- Fire
Prevention Training
- Ergonomics at Office Workstations
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Enjoy care and attentive injury management
When an accident does occur, we employ a proven
injury management system to assist you and your
employee. Our injury management expert will:
- Ensure that an
injured worker receives timely, appropriate
medical treatment
- Intervene early to
help an employee return to work as quickly as
possible
- Direct the injured
worker to Howard Leasing rehabilitation clinics
for the best available care
- Investigate each
accident to reduce the potential for hazards in
the future
- Conduct follow-up
investigations to monitor treatment
- Monitor claims
handling, cost reserves, and treatment reviews
Howard Leasing’s expertise
in risk management helps you
provide a safer work environment
Workers' Compensation Issues
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Your
Current Situation |
With
Howard Leasing |
- Shop for Workers’ Compensation
Insurance
- Negotiate Job Classifications
- Negotiate Rates, Fees & Discounts
- Review Insurance Company Credit Rating
- Pay Deposit Premium (average 25% annual)
- Pay Monthly Premium & Finance Charges
- Set up each Job Class & Rate with
Payroll
- Verify Correct Premiums for Overtime &
Tips
- Prepare for Annual or Semi-Annual Audit
- Attend Annual or Semi-Annual Audit
- Order Certificates of Insurance for Each
Job Site
- Develop & Write Safety Program
- Certify your Safety Program
- Administer your Safety Meetings
- Develop agenda for Safety Meetings
- Document all Safety Meetings
- Develop Back to Work Policies
- Develop Light Duty or Modified Back to
Work Policies
- Coordinate Workers’ Comp Benefits with
Other Insurance
- Develop a Drug Testing Program
- Administer a Drug Testing Program
- Review Laws Concerning Drug Testing
- Complete First Reports of Injury
- Get Injured Employees to the Doctor
- Call & Update your Labor Attorney
- Develop a Claims Management Program
- Complete a Post OSHA 200 Log each
February
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- Complete 1st Report of Injury
- Get Employee to a Doctor
- Call Howard Leasing with Questions
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Risk Management
Detail of Services
- Analyze current risk and present safety
recommendations
- Report and document accidents
- Assist with OSHA compliance
- Provide network of physicians and Facilities
for treatment of injuries
- Conduct ongoing review and analysis of Claims
- Provide safety training
- Investigate and prevent fraud and abuse
- Provide workers’ compensation coverage
Loss Control Library
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