Zurich Small Biz Loss Control Library

Rated A+ by A.M. Best, Zurich has over 100 years experience in insuring business risks. In 2001, Zurich achieved over $56 billion written premiums worldwide.

With this type of experience comes the knowledge that continuously identifying and guarding against hazards is essential to the safety of your customers, employees and property and will lead to improved business operations.

With this in mind, Zurich provides a continuously updated library of loss control articles and newsletters.

The following subjects are now available for download free of charge and we will add to the list as new titles become available.
  • Company Safety Policy
    Employee attitudes can have a significant impact, good or bad, on a company's loss experience. Controlling the actions of employees and the overall work environment can help prevent accidents and injuries. Because management's attitudes are generally adopted by employees, management must establish these controls. Therefore, in any organization, the safety program's foundation must be built upon management support. This support will encourage the success of the program. (more)
  • Developing an Effective Loss Control Program
    Accidents cost you money . . . not only through direct costs, such as medical and compensation expenses, but in indirect costs as well. In fact, it' s the indirect costs that can really add up. Indirect costs result from those hidden factors on which a dollar value can't easily be placed, such as production, time, employee morale, and customer goodwill. If lost, these items can easily cost you anywhere from 1 to 50 times the direct costs. Therefore, whether or not an accident results in personal injury and/or property damage, they're expensive and can significantly cut into your operating costs. (more)
  • Basic Quality Control Manual
    The purpose of this Risk Topic is to familiarize you with the different methods of quality control for the purpose of developing your own quality control manual. Quality control allows you to maintain the integrity of your product and as a result constitutes a key element of your risk management program. The quality control manual contains procedures to follow as well as the company policy regarding quality. (more)
  • Hazard Analysis
    The Hazard Analysis Risk topic introduces a team-based risk management tool that allows you to identify, assess and prioritize your own risks. It thus provides you with a transparent overview and allows you to develop the appropriate improvement measures. Based on the premise that you know your own management systems and operations better that anyone else, the HA draws on the expertise and experience of those who are directly involved with the component, product or system under review. (more)
  • Fleet Safety Program: Motivation and Incentives
    We have often heard the phrase, 'Safety is its own reward.' The benefits of an effective fleet safety program are well known. However, even within a comprehensive fleet safety program, break-downs can occur. Safety can take a back seat due to distractions, boredom, or on the job stress. The establishment of rules and regulations alone will not always ensure that drivers will use safe work habits. An incentive program can be used as an additional tool to enhance fleet safety efforts. (more)
  • Disaster Recovery
    Strike before disaster does! A warning well worth heeding. But what exactly is a disaster? A disaster is an event that threatens the very viability and survival of your business. Every day challenges faced by business are often mistaken as disasters. The reality is that a disaster is a once in a lifetime event for most businesses. In fact, 43% of businesses that experience a disaster never re-open and another 29% close for good within two years. Disasters tend to follow "Murphy's Law". They tend to occur when you least expect it or are least prepared for it. There is no such thing as a "right time" for a disaster. (more)

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