Professional Risk Management & Loss Control
In today’s volatile economy, insurance premiums are only one part of the equation. At Universal Insurance Group, we believe the best way to manage your insurance costs is to prevent losses before they occur.
Our Risk Management division acts as an extension of your team, identifying hidden liabilities and implementing data-driven safety programs that protect your employees, your assets, and your bottom line.
Our Comprehensive Risk Management Framework
Loss Control & Safety Audits
- We perform on-site inspections to ensure compliance with OSHA standards and identify physical hazards that could lead to costly claims.
Experience Modification Analysis
- We deep-dive into your Workers’ Comp history to correct reporting errors and implement strategies that lower your MOD score and your premiums.
Fleet Safety & Monitoring
- For our trucking and commercial fleet clients, we provide ELD and GPS tracking integration and continuous MVR (Motor Vehicle Record) monitoring to ensure only safe drivers are behind the wheel.
Contractual Risk Transfer
- Our experts review your vendor and subcontractor agreements to ensure you aren’t assuming unnecessary liability that belongs to third parties.
Claims Oversight: Your Advocate
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Early Return-to-Work Coordination to minimize Workers’ Comp indemnity costs.
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Detailed Claims Auditing to ensure carriers are reserving accurately.
- Surveillance Capabilities to combat fraudulent claims before they impact your loss history.
Transform Your Risk into a Competitive Advantage
Effective risk management is the secret to long-term financial stability and lower insurance overhead. At Universal Insurance Group, we specialize in turning complex safety data into actionable business strategies. Our team is ready to conduct a Comprehensive Risk Assessment of your current operations, helping you identify gaps in safety protocols and opportunities for significant premium reduction. Whether you are looking to fix a rising MOD score or build a culture of safety from the ground up, we provide the technical tools and advocacy you need. Contact our Risk Management specialists today to schedule your initial consultation and start protecting what you’ve built.