Risk management services throughout Wisconsin and Minnesota including, Amery, Cumberland, Forest Lake, Osceola, Prescott, Stillwater and surrounding areas.

We can help you with your workforce management needs. We provide assistance with writing safety policies, site inspections and training your people on a multitude of topics covering manufacturing, construction, warehousing and retail services. We also provide a great number of other employee management services and supervisory training.

Did you know that written policies and training of employees is mandatory for every company per OSHA standards?

Failing to have certain policies in place and failure to train your people can result in large OSHA fines, injuries, bad publicity, higher Workers’ Compensation costs and even jail time.

Noah Insurance can help you with your workforce management needs. We provide assistance with writing safety policies, site inspections and training your people on a multitude of topics covering manufacturing, construction, warehousing and retail services. We also provide a multitude of other employee management services and supervisory training.

Which risk management services are right for your business?

Use the yellow hot spots and explore how risk management services can help attract, retain and protect your team.
Risk Management

Risk Management

Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.

Solution

Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Compliance

Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.

Solution

There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training

Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.

Solution

Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements

Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.

Solution

Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving

Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.

Solution

Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards

Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.

Solution

While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Technology

Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.

Solution

Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

If you do not have a written safety manual including the topics specific to your industry or you have not trained your employees on the dangers in your workplace you need to call our Risk Manager, Jessica Sine.

Jessica Sine has been assisting employers control their Workers’ Compensation cost through proactive programs since 2004. In 2016 she joined Noah Insurance Group working with their six locations. Her experience spans 18 years in insurance and 13 years in safety. Jessica holds many certifications including Certified Workers’ Compensation Advisor, Certified Health and Safety Specialist, Authorized OSHA Trainer and NSC First Aid/CPR Instructor.

Jessica’s specialties include many forms of employee relations, including hiring practices, employee management and safety and workers’ compensation. She is also an expert in communicating with all parties involved in claims handling, including employers, adjusters, doctors, clinics and injured workers.

The goal of Noah Insurance and Jessica is to assist your company with employee development from hire to retire. Contact her today for policy and program development, safety training, first aid/CPR & BBP, defensive driving or any other topics that you might have a need to explore.

Don’t leave your employees at risk, don’t throw your money out the window on OSHA fines or inflated workers’ compensation costs and don’t tackle this task alone. Let Jess help.

Contact Jessica today and she can schedule a time that works for you. This is a no obligation, free meeting to discuss closing the gaps in your employee management program.

Let’s get your safety program on track.

Let’s discuss our risk management services.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate risk management solution. There’s no obligation, just good-old-fashioned advice.
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Noah Insurance Group offers comprehensive risk management options throughout Wisconsin and Minnesota including, Amery, Cumberland, Forest Lake, Osceola, Prescott, Stillwater and surrounding areas.