Safety and Loss Control
Seasonal Highlight
Tips for Safe and Successful Curbside Dining
As warmer weather rolls in, restauranteurs across the country are initiating or relaunching outdoor dining operations. Browse our tips for keeping your outdoor dining exposures to a minimum.
Certain pages on our website may contain links to third-party sites that USLI does not own, operate or control. This third-party content is subject to the published policies and practices of those third parties.
Loss Control
Browse Our Videos
Our Loss Control team conducts ongoing underwriting of the hazards we insure. Our mission is to identify exposures that pose potential risks to policyholders and provide resources to help them improve the condition of those exposures to prevent and mitigate losses. We have a variety of educational materials available through our Business Resource Center.
Listen to Our Podcast
Stream episodes covering a variety of insurance topics — including USLI products, ways to reduce your risk, what's trending in the industry and more — for policyholders, agents and brokers.
CLUE: Controlling Losses With Underwriting Expertise
At USLI and Devon Park Specialty, our goal is to get the information we need up front to insure your business properly and comprehensively with potential risks and hazards in mind. Some of the most important pieces of information we seek include your building's construction type and age, roof type and age, protection class, square footage, plumbing type, and if you've had any prior claims. Browse our CLUE resources to ensure you're providing the most accurate information when applying for insurance coverage.
FEATURED RESOURCES
CHECKLIST
What To Include in Your Emergency Kit
Having an emergency kit readily available is important so that you are fully prepared in the event of an emergency. These items come in handy for events such as hurricanes, wildfires, winter storms and more.
ARTICLE
Managing Your Risk as a Notary
If you are a notary, your first step in protecting yourself against potential liabilities is obtaining insurance for your professional activities. Once you have an insurance policy in place, you should remain proactive in protecting yourself by staying up to date on trends and practicing sound notary operations. Read our resource for ways you can control the risk of errors and lawsuits.
ARTICLE
Best Practices for Nonprofit Employee and Volunteer Screenings
Whether your nonprofit deals with the general public, children or other vulnerable populations, it is crucial you properly screen all prospective employees and volunteers to protect your organization and the community you support. Read our best practices for doing so.
ARTICLE
Safety Tips for Specialty Educators, Trainers and Instructors
As an educator, trainer or instructor, your main focus is on enhancing the skills and abilities of others. While you want to avoid injuries at all costs, you may not have time to consider every situation that could lead to an accident. By implementing the measures in this article, you can reduce the likelihood of an incident that could put you, your business and your clients at risk.
ARTICLE
Is Your Professional Services Contract Effective?
Contracts are a fundamental loss control tool for professionals providing services to others. Read this resource to learn why contracts are important and what should be included in one.
ONLINE RESOURCE
Get Assistance via Our Free Human Resources Helpline
Are you dealing with personnel issues? Representatives are available from 8 a.m. to 7:30 p.m. Eastern time daily to answer your human resources questions.
ARTICLE
Tips for Protecting Your Residential Condominium Units
A vital part of loss control is identifying and correcting hazards before a loss occurs. As a residential condo investor, you should assess your unit(s) to ensure your investments don't cost you due to possible damage. Utilize this resource to uncover the areas within your unit(s) that may require attention and learn the importance of your tenants having renters insurance.
ARTICLE
The Importance of Adequate Lighting at Your Premises
To keep your premises safe, it is essential you have adequate lighting installed inside and outside. Read our resource highlighting why lighting is needed, where it should be installed and more.
ARTICLE
Taking proper precautions for your business and staff members is part of running a successful operation. You may already have policies and best practices in place at your business, but do they cover all of the areas that pose safety risks? Keep these tips in mind and share them with your staff to reduce hazards at your storefront.
ARTICLE
5 Ways to Prevent a Disaster at Your Condominium Building
In the aftermath of the June 2021 collapse of the Champlain Towers South condominium building in Surfside, Florida, condominium associations across the country are searching for actions they can take to prevent such a tragedy from happening to them. Learn how you can best protect your condominium building and its residents by following our five safety tips.
ARTICLE
Tips for Avoiding an Electrical Fire
Electrical fires involving some type of electrical failure or malfunction account for roughly 51,000 fires in the United States each year, amounting to $1.3 billion in property damage. Follow our tips to decrease the likelihood and severity of an electrical fire loss at your premises.
ARTICLE
While home and community pools serve as beloved areas of activity in warm weather, they can pose life-threatening risks. Read this article to learn how you can make pool time safe and enjoyable.
ARTICLE
Summer Fire Hazards and Tips to Avoid an Accident
Summer is a time of year when many head outside to enjoy the weather and seasonal activities. But firing up the grill or enjoying fireworks can lead to serious accidents that could put you and your loved ones at risk of injury — and costly insurance claims. Read our tips for taking precautions and knowing what to avoid this season.
ARTICLE
The Truth About Leases for Commercial Property Owners
Leases are not always as black and white as they appear. If you are a commercial property owner, follow these tips to avoid any confusion about who's responsible — yourself or your tenant — if a claim arises.
ARTICLE
FAQs About Premium Audits (U.S.)
FAQs About Risk Assessments (Canada)
An audit/risk assessment is the examination of your business's financial records. Have a question about an audit/risk assessment requested by USLI? Browse these resources.
CHECKLIST
A vital part of loss control is identifying and removing or correcting unsafe activities or conditions before a loss occurs. This safety checklist is a tool to help you identify some areas that may need attention.
ARTICLE
4 Essential Steps for Protecting Your Vacant Property
It can be easy to assume your property is a quiet, uneventful environment posing little to no risks. However, this assumption can lead to your property becoming an enticing location for theft, vandalism or other illicit activities. Follow our four steps to keep your vacant property safe, secure and free of damage.
VIDEO
Commercial Cooking Fire Safety
If you're a restaurant owner, you've invested time and money into getting the proper commercial cooking equipment installed inside your establishment.
In this video, uncover five tips you can implement to keep your commercial cooking equipment running safely and effectively.
ARTICLE
5 Essential Steps for Winterizing Your Property
Cold weather and a drop in temperature can cause costly claims to occur on your premises. Read more on what steps you can take to make sure your property is ready to withstand all the hazards that the winter season brings.
ARTICLE
Understanding Biometric Information Privacy Act (BIPA) in Illinois
Does your business collect, use and/or store personal identifying information such as a retina or iris scan, fingerprints, voiceprints or facial geometry?
If your answer is “yes,” you should educate yourself on BIPA!
ARTICLE
5 Fire Safety Tips for Commercial Cooking Equipment
Follow our five fire safety tips to keep your commercial cooking equipment running safely and effectively while greatly reducing the chances of a fire starting or spreading from your kitchen.
ARTICLE
Don't Sweat It — We've Got You Covered!
From the treadmill to the locker room, many hazards exist in a fitness center. Are you taking all the necessary precautions to help keep your facility safe?
Learn how you can reduce or stop accidents from happening at your fitness center.
SEXUAL HARASSMENT TRAINING
Traliant delivers immersive learning experiences to help encourage ethical decision making, drive behavioral changes, mitigate risk, and embed compliance into the culture of an organization.
DISASTER AND EMERGENCY PREPAREDNESS RESOURCES
DISCOUNTED TRAINING
CPR and First Aid Training From ProTrainings
It's important to respond to the scene of a cardiac arrest or another injury with immediate trained action to increase the likelihood of a victim's survival. ProTrainings offers online CPR and first aid training and certification at a 20% discounted rate.
After watching the online training videos and passing a multiple choice test, ProTrainings will ship a low-cost mannequin right to your doorstep so you can complete your hands-on skill evaluation with a certified instructor over videoconference at a time that's convenient for you.
- Courses exceed American Heart Association and International Liaison Committee on Resuscitation guidelines for OSHA-mandated training
- Certification valid for two years
- Printed wallet card included
CHECKLIST
What To Include in Your Emergency Kit
Having an emergency kit readily available is important so that you are fully prepared in the event of an emergency. These items come in handy for events such as hurricanes, wildfires, winter storms and more.
ARTICLE
Hurricanes can be disastrous because of the hazards they present, including high winds, hail, flooding, heavy rainfall and tornadoes.
Explore our resource for taking precautions and creating an emergency response plan.
ARTICLE
The World Health Organization defines a pandemic as “the worldwide spread of a new disease.”
Read more about taking precautions, responding to a pandemic and establishing a remote servicing plan.
ARTICLE
A tornado can be disastrous due to high winds, flying debris and extreme damage.
Learn the proper precautions to take when a tornado is predicted.
ARTICLE
Winter weather can be disastrous due to the possibility of high winds, heavy snowfall, freezing temperatures, injuries and being stranded in a storm.
Discover the best ways to be proactive when a winter storm is predicted.
ARTICLE
Wildfires can be disastrous because they spread quickly, are difficult to put out and release a lot of smoke.
In this guide, learn how to take precautions and stay safe.
COVID-19 Workplace Guidance From the Centers for Disease Control and Prevention
The CDC offers guidance on navigating COVID-19.
COVID-19 Safety Tips and Precautions From the American Red Cross
The American Red Cross outlines simple actions you can take to prepare for disasters and emergencies, such as COVID-19.
Disaster Planning and Recovery Toolkit From the Insurance Institute for Business & Home Safety
This toolkit gives you access to business continuity forms that will assist you with disaster planning and recovery.
Disaster Safety Website From the Insurance Institute for Business & Home Safety
Visit this website to identify the natural hazards that could put your business at risk.
Free On-site Safety and Occupational Health Consultation From the Occupational Health and Safety Administration
OSHA's on-site consultation program offers confidential safety and occupational health advice to small and midsize businesses in all states, with priority given to high-hazard worksites. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.
Guidance on Preparing Workplaces for COVID-19 From the Occupational Health and Safety Administration
Develop disease preparedness response plans to keep your employees, their families and the public safe.
Resources From the Canadian Centre for Occupational Health and Safety
Access pandemic tip sheets, free educational podcasts and more, and get answers to your questions today.
PERSONAL LIABILITY AND PROPERTY RESOURCES
CHECKLIST
This checklist will guide you on what to do after a loss occurs to minimize further damage and keep yourself and others safe.
ARTICLE
The Truth About Leases for Commercial Property Owners
Leases are not always as black and white as they appear. If you are a commercial property owner, follow these tips to avoid any confusion about who's responsible — yourself or your tenant — if a claim arises.
CHECKLIST
Safety Checklist for Rental Dwellings
A vital part of loss control is identifying and removing or correcting unsafe activities or conditions before a loss occurs. This safety checklist is a tool to help you identify some areas that may need attention.
ARTICLE
Importance of Renter's Insurance
Are you a landlord? Do you require your tenants to obtain renters insurance? If your answer is "no," learn how doing so can help your tenants — and yourself — stay protected.
ARTICLE
Preventing a Slip and Fall
Injury on
Your Property
A small crack or uneven area in your sidewalk may not seem like a big deal, but it may be all it takes for a serious and costly injury to occur on your premises.
Learn more on how you can keep your property safe and hazard-free.
BAR AND RESTAURANT RESOURCES
DISCOUNTED TRAINING
Sign Up for Alcohol Safety Training
For only $11 per server, LiquorTraining.com offers your staff training in the responsible sale and service of alcohol. Certifications last for three years. Protect your business and employees — and save money in the process.
DISCOUNTED TRAINING
Certify Your Food Handlers and Food Managers
Get your food handlers and food managers certified with StateFoodSafety. All training takes place online, and StateFoodSafety is approved by more health departments than any other food safety training program.
CHECKLIST
A vital part of loss control is identifying and removing or correcting unsafe activities or conditions before a loss occurs. This safety checklist is a tool to help you identify some areas that may need attention.
VIDEO
Commercial Cooking Fire Safety
If you're a restaurant owner, you've invested time and money into getting the proper commercial cooking equipment installed inside your establishment.
In this video, uncover five tips you can implement to keep your commercial cooking equipment running safely and effectively.
ARTICLE
Top 5 Fire Safety Tips for Your Food Truck
Food trucks have become a popular way for entrepreneurs to get their businesses off the ground, but these mobile restaurants are at an increased risk of fire hazard. Read our tips to ensure the safety of your food truck business.
ARTICLE
5 Fire Safety Tips for Commercial Cooking Equipment
Follow our five fire safety tips to keep your commercial cooking equipment running safely and effectively while greatly reducing the chances of a fire starting or spreading from your kitchen.
ARTICLE
Minimize Your Outdoor Dining Exposures
Keep outdoor dining exposures to a minimum and learn about new hazards you may have not faced as a restaurant owner.
Download Our Sample Incident Reporting Form
Use the sample incident reporting form to capture and document information and remind employees of best practices in the event of an incident.
Download Our Responsible Sale/Service of Alcohol Pledge
This pledge can be used by management to raise employee awareness about their responsibility in the safe sale and service of alcohol.
Download Our Bar/Restaurant Safety Checklist
Take inventory of your establishment and possible hazards to better recognize improvement areas and put a plan in place to correct those conditions before a loss occurs.
Read USLI's Audit Letter
This resource defines the different types of audits performed and can assist you in understanding what to expect once an audit is scheduled.
CHILD CARE AND YOUTH-ORIENTED RESOURCES
Child Care Safety and Child Abuse Prevention
ARTICLE
Best Practices for Nonprofit Employee and Volunteer Screenings
Whether your nonprofit deals with the general public, children or other vulnerable populations, it is crucial you properly screen all prospective employees and volunteers to protect your organization and the community you support. Read our best practices for doing so.
VIDEO
5 Safety Tips for Reducing Risk at Child Care Centers
Running a business or nonprofit that is geared toward a youthful demographic has its own unique challenges. The following resources can help you navigate through issues such as permission slip collection, concussion awareness, sexual abuse prevention and more..
CHECKLIST
Things can happen, but many of them can be prevented. Review our loss control notice and safety checklist to take an inventory of your operation and possible hazards. It can help you identify areas that may need improvement, as well as a plan to help you fix those areas to make the environment safer for children.
ONLINE RESOURCE
CDC Guide for Preventing Child Sexual Abuse Within Youth-serving Organizations
This guide provides policies and procedures for screening employees and volunteers and interactions between individuals, monitoring behavior, ensuring safe environments and responding to inappropriate behavior, breaches in policy and allegations and suspicions of abuse, along with child sexual abuse prevention training.
ONLINE RESOURCE
Recognizing Signs and Symptoms of Child Abuse
This site provides videos, articles and training information to help prevent child abuse and neglect.
Youth Sports
ONLINE RESOURCE
The CDC’s Free Online Concussion Training Course
These free online videos are available to coaches, parents and others who want to learn more about concussion awareness.
ONLINE RESOURCE
Concussion Laws — Traumatic Brain Injury Legislation in Your State
Access your state's laws on practices to prevent concussions during youth sports.
DOCUMENT
Download this sample waiver to use as as basis for creating your own waiver. Waivers can help protect an organization against future potential lawsuits and allow parents to acknowledge the risk of their child's involvement in team sports.
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