At some point during your coverage year, you will be contacted by a member of LCI’s Loss Control team to schedule their visit. Below are the most common questions asked when a Member Insured is contacted about a Loss Control visit:
What is the purpose of the visit?
The primary purpose of the Loss Control visit is to confirm that LCI has correctly classified your business for the purposes of risk assessment. During the visit you will be asked about the number of employees you have and what your employees do. Also the Loss Control Team Member will discuss with you the importance of using written job applications and having a written drug policy, and how by using just these two forms you can reduce your exposure to losses. Finally, we will show you how to report a claim and explain why it is important that you do report incidents and injuries in a timely manner.
Who will be conducting the visit?
All visits are to be conducted by a member of the Fund’s Loss Control Team. You will be contacted by the Fund’s Loss Control Coordinator who will arrange a visit with a qualified and trained Risk Manager.
Is the visit mandatory?
Yes, as a member of a group self-insured fund you are required to participate in Loss Control visits. Refusing to visit with Loss Control can lead to your policy being cancelled.
If I don’t have any employees, must I still participate?
Yes, the Loss Control Team Member must still review with you the claims reporting requirements.
What information do I need to make available for the visit?
Please provide a list of the names of your employees with job descriptions as well as a copy of any job application that you may use and a copy of your drug policy (if you have one).
How will my business benefit from the visit?
Workers’ compensation is one of the few types of insurance where the actions of the member can significantly impact the cost of the insurance. But most of those actions must be completed prior to the claim. For example, a company that has a written drug policy may be able to deny a claim because the employee was intoxicated, whereas the same company that does not have a written drug policy will likely be unsuccessful in denying the same claim. Likewise, companies that are in the habit of reporting accidents to LCI promptly (the day of the accident) will see the cost of that claim be reduced significantly because LCI had an opportunity to investigate the accident.