With Commercial Insurance Loss Control Inspections … You Get What You Pay For! … Some Firms Are Cheap!

As CRMKC grows, I find myself giving serious consideration to the direction I want the company to take.  We work with numerous clients and perform a variety of risk management services, from basic loss control inspections to in-depth workers compensation reviews.  Large or small, we give full focus to every job, and over-deliver at every opportunity.  We’ve built a reputation of providing quality, timely services, and are known for being thorough.  We don’t believe in cutting corners, and, as a result, we’ve become selective about who we work with. We never want to turn away business, but we also refuse to compromise our standards.

Quality still trumps quantity at CRMKC.  Always will.

The insurance industry, as a whole, is an extremely competitive, and conservative, market.  With 34 years in the industry – from sales to litigation, and everything in between – I understand that completely.  What I don’t understand (and I’m likely to get myself in trouble here), is “cheap.”  There’s just no other way to put that.  Plain and simple, you get what you pay for.

The loss control industry, in particular, is historically not known for its professionalism.  Anyone can take a checklist into the field, mark a few boxes, and fill out a form on the computer.  Simple enough.  And sometimes, that’s all the job calls for.  It is, after all, the typical loss control inspection for a small business.  But sometimes, that checklist just doesn’t cut it.  That cookie-cutter approach is not one-size-fits-all.

That’s where experience comes into play.  A consultant has to know when something doesn’t add up.  A consultant has to understand when to ask follow up questions, and the right questions to ask.  A consultant has to know when to push a little harder, and when to back off.  That’s the difference between an inspection and a consultative review, and that’s the difference between an inspector and a consultant.  That’s the difference between loss control and risk management.

An inspector goes into the field, performs the standard inspection, turns in the report, and accepts a standard fee.  A consultant, on the other hand, is your eyes and ears in the field.  A consultant is your partner.  A consultant understands that education is key to success, and takes the opportunity to educate business owners while on-site.  When business owners understand risk, and how to protect themselves against risk, insurers win as a byproduct.  Win-Win.  Isn’t that what we’re all striving to achieve?

Personally, I love performing workers compensation reviews.  Every review is an opportunity to learn about a new industry.  Every industry is unique in its processes, its environment, and its exposures.  But my job isn’t simply to listen and learn.  My job is to take that information, analyze it, and provide constructive feedback.  My job is to identify weaknesses and strengths, and trends and patterns.   My job is to make recommendations for improvement based upon that information, and help employers implement those solutions.

I believe every work comp review has the potential to save a life.

Maybe that’s why this little company stands out in a crowd.

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