Knowledge Library

Safety Visits

Due to the nature of the businesses we write, our Underwriters request a safety visit by one of our own Field Safety Professionals (FSPs) before quoting a potential policy. Our FSPs are our boots on the ground, with an average tenure of 10 years with AMERISAFE and backgrounds in the industries within their territory.

1. THE APPLICATION

ACORD-form

The timeline of the pre-quote visit begins before our Underwriter receives the submission. Instead, it begins when the business' agent fills out the ACORD application.

THE POINT-OF-CONTACT (POC) SHOULD:

  • Be the most knowledgeable person in regards to operations and safety controls
    • Examples of this type of person include: owner, safety employee, etc.
  • Be accurate and current
  • Provide a cell phone and/or email address for ease of scheduling

2. REQUEST FROM UNDERWRITING

The Underwriter receives the ACORD application. The Underwriter will request a Field Safety Professional visits the worksite to ensure that AMERISAFE understands the true exposures of the business.

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3. FIELD SAFETY PROFESSIONAL CONTACT

The FSP will utilize the POC information given in the ACORD application to set up a time to conduct a visit. 

Another way agents can ensure FSPs are successful in making contact is by telling the POC that a representative of AMERISAFE will be contacting them for a pre-quote safety visit. This is imperative for scheduling during short windows.

The FSP will reach out directly to the POC, not the agent. While our FSPs appreciate assistance from agents, AMERISAFE’s initial pre-quote safety visits are an opportunity to see the operation without outside influence. 

THIS ENSURES THE FSP:

  • Can efficiently schedule the meeting
  • Gains a better understanding of the business
  • Gets the chance to know the business contact, since they will potentially be working together regularly in the future

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4. THE APPOINTMENT

It is the day of the appointment. The FSP will meet with the point-of-contact first.

HERE IS WHAT YOU CAN TELL YOUR CLIENTS TO EXPECT:

  • A preliminary office visit
    • A small overview of the business
    • What the business does and how they do it
    • Review of safety policies/program, either formal or informal
      • FSPs do not rate a business poorly based on no formal policy, but we do rate negatively when a business allows unsafe practices to happen on the worksite
      • AMERISAFE policyholders with no documented safety policy can request assistance from the FSP to create written policies
    • View equipment (if there)
    • View records of losses
    • Inspect property (if applicable)
    • For trucking, view driver qualifications and management
  • Observation of an active worksitehard-hat
    • 15 - 45 minutes observation
    • Can be completed with the POC or another member of the team
    • Observing work being completed
    • Viewing condition of equipment/tools
    • Determining whether appropriate controls are being used for the hazards present at the worksite
  • Verbal recommendations
    • Afterward, the FSP will provide the point-of-contact with verbal recommendations and observations of the worksite. 
      At AMERISAFE, we believe we have a moral obligation to ensure worksites are Safe Above All. That’s why our FSPs share this information before we bind a policy.
Download your copy of our Safety Visit Timeline.


2009 - 2018