This includes property claims, liability claims, auto claims, workers compensation, athletic injuries, and others. W e also administer the self insurance fund. This is a systematic means of using large deductibles or retentions to distance ourselves from the fluctuations of insurance markets, and to control the cost of commercial insurance. A s you may guess, then, we stress loss prevention and control.
Loss prevention means the loss never happens.
Examples of loss prevention measures are good housekeeping and driving safely. Loss control means limiting a loss when one occurs. A good example is the use of sprinkler systems to control fires. I f a loss does occur, our staff of adjusters investigate and adjust the claim. If the claim is large enough to involve commercial insurance carriers, we act as the interface with them.