Risk Management
Risk management is a discipline for dealing with the possibility that some future event will cause harm. It provides strategies, techniques, and an approach to recognizing and confronting any threat faced by an organization in fulfilling its mission. Risk management may be as uncomplicated as asking and answering three basic questions:
What can go wrong?
What will we do to prevent incidents and to respond in the event of an incident?
If something happens, how will we pay for it?
Simply speaking, risk is any uncertainty about a future event that threatens your organization’s ability to accomplish its mission. Although your “fund balance” may be small and equipment may be second generation, it is important to manage the amount of risk taking in order to prevent future expenses and damages.
Hull & Associates can help you to prepare for a full range of contingencies. Our associates have the knowledge and experience to provide you with the strategies and tactics to bring greater stability and predictability to your business.
Safety & Loss Control
Relative to commercial entities, one of the most important components of managing risk is a strong safety or risk control program. Depending on the type of business, an effective risk control program can reduce the cost of insurance over time, improve the operational performance of the business and enhance the goodwill a business can enjoy in a community.
Through Hull & Associates, commercial insurance clients can access a robust offering of services designed to improve workplace safety and reduce your total cost of risk. Listed below are examples of the services available:
• OSHA 10 Hour
• Fall protection
• Ladder safety
• Scaffolding safety
• Personal fall protection
• Confined spaces
General Safety
• Safety program development and implementation
• Safety audits (mock OSHA inspections)
• Assistance with OSHA compliance
• Toolbox safety talks
• Safety program specific training
• Job safety analysis (JSA) development
• Ergonomics
• Fleet Safety
Risk Control
• Risk assessment for workers’ compensation, property, liability and audits
• Accident Investigation and Vehicle Collision Investigation
• Hazard, injury source and control method identification
• Return to work (RTW) programs
• Drug testing programs
• Workers’ compensation program specific training
• Cost/benefit analysis
• Risk transfer - contract review
• Property protection
Schedule a meeting with our agency
When you’re ready to learn more about how we may serve you or your business, contact us and we’ll schedule a meeting to address your needs.
