Managing Your Business Insurance Plan

The following list includes only a few helpful steps. Consult with Luray Insurance and a loss control representative to learn more about containing insurance costs.

General Considerations

• Increase your deductibles.
• Establish a safety program.
• Implement and maintain professional loss control recommendations.
• Notify your insurer as soon as you learn of a loss.

Property Protection

• Keep your workplace clean and orderly.
• Carefully store all combustible products and equipment.
• Make sure all fire extinguishers are accessible and in good condition.
• Establish emergency procedures and conduct employee drills.
• Install a sprinkler system at your workplace and inspect it regularly

Auto Protection

• Review the Motor Vehicle Reports (MVRs) of your drivers annually.
• Establish fleet safety and fleet maintenance programs.

Employee Workers' Compensation

• Maintain accurate records of payroll divisions.
• Maintain an accurate OSHA log.
• Carefully review and track the progress of all Workers' Compensation claims.
• Implement an occupational injury management program to help bring injured employees back to work quickly.