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Forward Thinking Solutions for Innovative Organizations.
New risks constantly emerge. Our RiskIMPACT™ process and “Ideas that Rock” don’t end when a relationship begins. We conduct regular evaluations and continue to identify new opportunities to address your risks, reduce your costs and improve your business.
Some potential risks and hazards can only be identified through on-site inspections. The Gibraltar Group’s team of experts will visit your facilities to evaluate current policies and help prevent future incidents. We look at several variables, including:
- Location security
- Employee accident hazards
- Customer safety hazards
- Fire exposure
- Compliance with environmental regulations
The Occupational Safety and Health Administration (OSHA) monitors work-related accidents and requires that businesses be compliant with a host of federal workplace safety laws. Our team can help facilitate compliance with OSHA regulations through consistent, appropriate use of the following services:
- Performing mock OSHA inspections
- Assisting in 300/301 reporting and form management
- Providing OSHA specific training programs
- Monitoring OSHA inspection lists
Human Resources Compliance
In today’s litigious environment, employers must work to mitigate employment-related liability claims through effective human resource policies. Employment-related claims can last for many years and result in large legal fees, bad employee relations and increased payroll taxes. Our HR experts understand the risks and regulatory environment, and can help you develop, enhance or integrate the following RiskIMPACT™ tools:
- Employee handbooks
- Sexual harassment policies
- Drug testing programs
- Benefits compliance
- Return-to-work programs
Contract and Certificate Compliance
Transferring high risk and/or high frequency exposures to vendors through contractual agreements can shift liability, indemnify your organization and waive subrogation on your behalf. These agreements, typically signed with vendors, suppliers, tenants, contractors, landlords and other indemnities with whom you work, can help reduce litigation costs and financial losses in a variety of situations, if handled appropriately. Our team of advisors will review all existing contracts and offer consultation on all future contracts.
Your organization will also be required to sign contracts in the favor of others. To ensure coverage gaps are not created, we will review these agreements and help protect your interests.
The benefits of contractual agreements can be greatly diminished without a systematic process for requesting and tracking incoming certificates of insurance from each vendor. We will request and track all third-party certificates of insurance on your behalf. Upon receipt of the information, your account service team will review the certificate to verify it meets all agreed upon coverage limits, insurer ratings and endorsements. Organizations that methodically track incoming certificates of insurance are commonly able to reduce costly insurance claims and lawsuits, which essentially translates into reduced operating expense and increased profitability.
Fleet Safety Programs
The operation of company vehicles is one of the greatest risk exposures some businesses face. As the cause of many catastrophic claims, automobile claims also tend to be the largest source of third-party liability. We will take the necessary steps to help you maintain a fleet safety program that addresses these critical areas of concern:
- MVR requirements and driver selection
- Accident scene behavior
- Safe driving habits
- Department of Transportation compliance
Employee Safety Programs
Strong businesses value their employees and understand that future success hinges on the safety and well-being of their workforce. A strategic program focused on staff development and employee safety will help your human resources team recruit and maintain the highest quality and hardest working employees. As a part of the RiskIMPACT™ process, we’ll help you build a safety program that addresses the following issues:
- OSHA compliance
- Industrial hygiene
- Workplace security
- Disaster recovery
Environmental Safety Programs
Many businesses do not realize the extent of their environmental exposure and consequently neglect to make environmental concerns part of their risk management programs. Environmental claims often lead to expensive restorative actions and regulatory penalties. Our team will assist with the following:
- Pollutant containment
- Hazardous materials (Hazmat) training
- 24-hour environmental restoration contacts
- Adequate and consistent materials monitoring
GibraltarU Risk Education
Proactive risk education is an essential element of loss prevention for your business, which is why we offer our clients unlimited access to educational resources from GibraltarU. We provide seminars, webinars, podcasts and online videos on a variety of different topics from general risk management issues to industry-specific programming.