Loss Control

What You Need to Know

Loss control activities include conducting safety inspections, implementing safety policies and procedures, providing employee training on hazard prevention, maintaining equipment properly, installing safety devices like slip-resistant flooring or fire suppression systems, correcting hazardous conditions promptly, and continuously monitoring and improving your safety programs.

Many insurance companies offer loss control services as part of your policy, sending risk management specialists to conduct on-site inspections looking for common risk factors like wet or greasy floors, inadequate lighting, damaged floor mats, improper food storage, fire hazards, blocked exits, worn equipment, and inadequate employee training. They'll provide a written report with specific recommendations.

Why It Matters for Restaurant Owners

Loss control is one of the most cost-effective investments you can make in your restaurant, as every dollar spent preventing accidents saves many more dollars in insurance claims, increased premiums, legal fees, and business interruption.

Your insurance company wants you to implement strong loss control measures because it reduces their claim payouts, and they often provide free or low-cost loss control consulting to help you identify and correct hazards. Implementing recommendations not only makes your restaurant safer but also demonstrates to your insurer that you're serious about risk management, which can result in premium discounts or better renewal terms.

Common loss control measures include non-slip floor treatments, regular deep cleaning to prevent grease buildup, proper lighting in all areas, regular equipment maintenance, comprehensive employee safety training, strict food safety protocols, and immediate correction of hazards as they're identified.