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Depending on which program your entity is in (Workers' Comp or Property Casualty), membership provides you access to the following ERMI Loss Prevention Services that include:

  • Safety Trainings (Workers' Comp | Property Casualty)
  • On-Site Property & Casualty Services (Property Casualty)
  • Safety Incentives Program (Workers' Comp)
  • Safety & Security Audits
  • Bus Driver Safety Recognition Program (Property Casualty)
  • Fleet Safety Policy
  • Return to Work Program Resources (Workers' Comp)
  • Video Library (Workers' Comp | Property Casualty)
  • Critical Incident Support and Investigation Services (Workers' Comp | Property Casualty)
  • Personal Protective Equipment (Workers' Comp)
  • Online Training Resources for Loss Prevention

Members have access and are provided Loss Prevention services as part of their Program membership. Services vary as to which program and whether you are in a Workers' Compensation or Property & Casualty program.

Others are welcome and encouraged to contact us to discuss so we can develop appropriate service and cost proposals to meet your specific needs

Loss Prevention service utilization and participation is strongly encouraged for each member entity, and all entity employees. By taking full advantage of the range of services authorized and paid for via your program membership, you can partner with us in helping to reduce preventable loss occurrences within your entity. (or) Your use of fully-funded LP services will provide you the very best opportunity at preventing injuries and other losses, that without an effective loss prevention program, your entity is very likely to experience.

Our experience with developing and delivering LP services, in our opinion, is unique. The programs we develop and provide are created based on recognized loss prevention principles, and are geared toward making a difference in each participant's life. We strive to involve our clients' employees in the process and respect their contribution to truly making a difference in their individual well-being and in affecting their entity's loss prevention experience.

Following a property and casualty loss prevention service visit, your Loss Prevention Specialist may develop recommendations. These recommendations are intended to help you to reduce or eliminate hazards that may contribute to accidental loss. Recommendations may be Administrative (driven by insufficient policies and/or managerial practices), or they may be Physical (conditions that present a higher risk of loss, such as improper storage of flammable liquids).

The goal of loss prevention recommendations is to help each Member in the program operate a safer school, where fewer losses will interrupt your operations and drain your resources. Members are asked to carefully consider the loss prevention recommendations provided, and to implement them unless there is 1) a significant impediment to doing so or 2) the school believes they can as effectively control that exposure through another means. Your Loss Prevention Specialist asks that the Member respond, in writing, regarding each recommendation made. Communication is the key. If a response is not received from the Member, the Member's Agent and the Program Administrators will be advised, and further discussions regarding implementation of the loss prevention recommendations may then be initiated by the Agent.

Everyone can use a helping hand. Your Loss Prevention Specialist is that extra helper, and that extra set of eyes, that "two heads are better than one" support person. In everything we do, we see ourselves as your partner. Loss Prevention Assistance may take the form of management consultation, loss evaluation, hazard identification, hands-on training of your employees, or other activities. Most services are provided through an on-site service visit to your location. The goal of Loss Prevention Assistance is to help each Member to identify, evaluate, and reduce the risks of accidental loss. By working with each Member, accidental losses can be controlled and reduced not only for that Member, but for the entire program on which that Member relies, keeping the program financially strong and therefore reducing costs for everyone. Because every Member benefits from a strong, financially-healthy program, each Member is asked to participate in those activities and implement recommendations that benefit the Member and the program.

A record of past accidents and driving offenses is one of the key elements in predicting whether a driver will be involved in future vehicle accidents, and therefore determining suitability for driving duties. States require that Motor Vehicle Records (MVR's), also called driving records, be reviewed periodically for school bus drivers. For the same reasons, MVR's are a useful risk management tool for all employees who will operate a vehicle on behalf of your school. Lack of controls in this important area may result in employees with poor driving records and at-risk driving behaviors being allowed to operate school vehicles. These undesirable drivers statistically lead to higher accident rates.

Increasing legislative and regulatory attention to the individual right of privacy has made obtaining MVR's more problematic. The Federal Trade Commission considers driving records to be credit reports, or consumer reports, because they are records that reflect upon an individual's personal habits and history. Under federal law, if driving records are obtained from a consumer reporting agency (a defined term) the obtainer must comply with all provisions of the Fair Credit Reporting Act (FCRA). The primary purpose of the FCRA is to protect the privacy rights of consumers and to guarantee that the information reported by consumer reporting agencies is accurate. Compliance with the requirements of the FCRA and other privacy regulations has increasingly caused third-party providers such as insurers to withdraw from providing MVR's to their clients. But this does not mean that MVR's are any less important a tool for screening drivers and predicting their possible involvement in future vehicle accidents. In most cases, employers can still obtain MVR's and similar records directly from the state government agencies that compile them, either free or at a cost much lower than we could obtain them for you. Please contact your Loss Prevention Specialist for more information.

Slip-resistant shoes and boots are provided to help prevent one of the largest causes of injuries; slips and falls. These shoes and boots are designed and built to aid in maintaining traction when walking and working on potentially slippery surfaces. They are not "slip-proof," by the way. Ordinary sneakers, tennis shoes, or running shoes are not designed to be slip-resistant and therefore don't provide any appreciable slip-resistance. The boots provided are sturdy work boots that either have a slip-resistant or skid-resistant rating, again to help you work safely and hopefully avoid slipping and falling at work, which can result in serious injury. Each entity pays for these shoes and boots as part of their loss prevention devices that the Program provides. Also, each entity is encouraged to require the use of these shoes while at work for auxiliary/support employees as part of their comprehensive slip and fall prevention program. Ultimately, it's each client's decision as to whether to require the use of these slip-resistant footwear for auxiliary and support personnel. Please check with your employer as to their policy.

To qualify for the Fall and/or Spring stipend, your entity must participate in the corresponding Working~Well campaign and receive confirmation of participation via online registration.

Wellness stipends are paid at the completion of each Working~Well campaign. Typically, the fall campaign stipend is issued in December and the spring campaign stipend is issued in April.

Yes! Simply contact your Working~Well Representative and provide the dates that work for you and your participants. We are eager to meet your needs.

No! There is no charge to the participants or entities. The Working~Well prizes are provided at no cost through your Workers' Compensation Program.

The Well~Connected Newsletter is published quarterly: Fall, Winter, Spring and Summer.

Contact your Working~Well Representative and let her/him know how many English and Spanish newsletters you currently need.

Contact your Wellness Services Representative. Together, you will be able to determine why you are no longer receiving the tip. In most cases, she/he will be able to walk you through a simple process to automatically receive the tip on a weekly basis.