Many companies are turning to captive insurance to control the ever-changing costs of traditional insurance. A captive insurance company is an independent insurance company owned and operated by its members. The captive insures the risks of its owner/members by covering the predictable losses while transferring away the catastrophic, unpredictable losses.

As captive insurance experts, we have helped companies throughout the United States connect with captives that not only lower costs, but deliver return of both investment income and unused premium. 

Alternative Risk Resources are captive experts, it is all we do. 

Alternative Risk Resources can provide you access to world-class owner-controlled group captive programs with proven financial results.

98% of business that join our captives never seek an alternative.

We offer Captive Insurance Programs for:

• Property
• Casualty
• Health
• 831(b)

A company's loss performance is a determining factor of how much money it pays in premiums, especially with captive insurance. To help companies improve their loss performance so that they can lower their insurance costs, Alternative Risk Resources is offering a series of Free Live Safety Webinars conducted by experts in the field, or risk control professionals from Gallagher Bassett. 

The webinars are offered at 10 am and 2pm, CST, the third Tuesday of each month. Each presentation is limited to no more than 50 minutes, including time for a Question & Answer session. In addition, a copy of the presentation and a link to a recording of one of the sessions is sent to all registrants. 

Registration is required, so if you have questions or would like to attend, please email info@altriskresources.com or contact Beth Wosick at 262-754-9100 x103 at your earliest convenience.
 

Following is a list of our webinar dates and topics:

* 17-Jul          Behavior Based Safety Basics
* 21-Aug        Slip/Fall Prevention
* 18-Sep        Use of Social Media in Risk Control
* 16-Oct         Back Injury Prevention Best Practices
* 20-Nov        Transitional Duty/Return-to-Work Best Practices
* 18-Dec        Safety Accountability Ideas

This is the popular corporate safety pursuit today and this evolved over the years from the promotion of "Behavior Based Safety" programs.  To provide an overview in a few words, changing employee's attitudes toward safety requires a lot of demonstration of sincerity and this starts with those at the top of the organization's corporate ladder.      

Every corporation has their own personality: Candidly, some place a higher degree of priority on safety than do others.  This has come about by experience and knowledge.  There are companies that have experienced a devastating loss changing their perspective on the priority and others have taken a close look at the savings generated by a good safety record, at times after suffering through years of excessive and unnecessary accident costs.  And there's personal attitude.  Some simply are more cautious by nature, or take fewer uncalculated risks than others, and this can extend to a higher concern for safety compliance.   

There are many reasons for elevating the safety priority and this encompasses the ability to sustain it.  It has to be important enough to truly fertilize a safety culture that influences employee attitudes because there is no finish line with this pursuit.  Of course, the welfare of employees has no limits on importance; but there's the financial assessment of what can be done aside from what must be done.  

Finally, any organization that is seeking to build a safety culture must have a sound safety program in place, obtaining at least, marginally good safety performance.  Safety compliance should be well established.  For example, if required compliance safety training isn't occurring as it should, this will undermine efforts to change employee's safety attitudes and behaviors.  

Safety specialists can assist with developing a course for safety culture and there are canned programs available for purchase that lays out the road map.  Before taking these steps, conduct a quality assessment of the organization's personality.

by Ron Humphreys, Safety Professional