Now that California workers’ comp rates have come down significantly as a result of
reform legislation, some business owners might be tempted to cut back on their
investments in safety and loss control. But smart business owners know that now is the
time to double the focus on accident prevention and reduction in hazard exposures,
because that is the only way that their workers’ comp costs can be reduced and controlled
in the future.

Our experience has conclusively demonstrated that Employers Direct’s professional loss
control services combined with the dedicated partnership of our customers leads to a
reduction in their frequency and severity of losses. When this happens, the results are
outstanding for our customers:

• Lower experience modifications
• Lower costs of insurance
• Higher productivity
• Higher profits

Even before Employers Direct provides a quote to a potential customer, we invest a great
deal of time and expense to gain an in-depth understanding of a prospective company's
business and its risk factors. In addition to an assessment of insurance risk, we want to
make sure that we will be your best possible service partner. We will carefully study your
claim loss history and the manner in which you conduct your business. Led by Ken J. Helfrich,
Assistant Vice President of Field Services, our expert loss control consultants
will travel to your locations and complete a comprehensive report for our underwriters
and managers. Our senior managers always personally review the reports and
recommendations of our experts in loss control, claims, and underwriting prior to
releasing a quote. When we like what we see, we let you know that we can be a
great partner for you. And this is just the beginning.

Our goal is a safer and more productive workplace and a sustainable competitive
advantage for your business. Once you are a policyholder, our Employers Direct loss
control department professionals will work closely with your management team to
thoroughly evaluate your safety and exposure concerns. Our teams pinpoint how and
where problems occur. Together, we develop a Loss Prevention Business Plan to build a
safer and more productive workplace for your employees and a sustainable competitive
advantage for your businesses.

Our loss control services include Safety Prevention Programs, Hazard Analysis and
Control, Safety Regulatory Updates, Supervisor and Management Training Programs,
Employee Safety Training Programs, and Legal Responsibilities of Management (AB
1127). In addition, we also provide the following services for our policyholders: a safety
video library, sample policies and procedures, regulatory updates, monthly "E-Flash"
emails with information on a variety of loss prevention topics, and an extensive Loss
Control Resource Library.

Our Loss Control specialists average more than 15 years of experience in the California
workers’ compensation market, and all are OSHA-certified in General Industry Safety
and Health. If you have any questions, please contact us.