05/07/2026
If you run a manufacturing operation in Southern Indiana, three exposures drive more of your premium than almost anything else on your dec page.
𝗠𝗮𝗰𝗵𝗶𝗻𝗲 𝗚𝘂𝗮𝗿𝗱𝗶𝗻𝗴 & 𝗟𝗼𝗰𝗸𝗼𝘂𝘁/𝗧𝗮𝗴𝗼𝘂𝘁 𝗗𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲
Underwriters and loss control engineers look hard at how your shop handles guarding on power presses, grinders, mixers, conveyors, and any equipment with stored energy. A documented lockout/tagout program -- with written procedures for each piece of equipment, annual reviews, and trained authorized employees -- is one of the strongest signals to a carrier that severe injury risk is being managed.
𝗙𝗼𝗿𝗸𝗹𝗶𝗳𝘁 𝗮𝗻𝗱 𝗽𝗲𝗱𝗲𝘀𝘁𝗿𝗶𝗮𝗻 𝘀𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻
If forklifts and people share the same floor space, that's a severity exposure waiting to happen. Marked pedestrian lanes, mirrors at blind corners, speed limits, daily forklift inspections, and documented operator training every three years are the basics. Carriers reward operations that take this seriously and price up the ones that don't.
𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 𝗺𝗼𝗱 𝗱𝗿𝗶𝗳𝘁
Your experience modification factor follows your business for years. A single severe injury in a small shop can move your mod for the next three policy periods, which means you're paying for a loss long after the medical bills are closed. Managing return-to-work, light-duty programs, and post-injury communication is just as important as the safety program that prevents the loss in the first place.
If you haven't seen a real risk review of your operation in the last twelve months, let's get one on the calendar.
