In 1914, the Workers’ Compensation Law was created for the express purpose of providing security to workers who might be injured on the job. All employers were, and still are, required to insure their employees against on-the-job accidents, regardless of responsibility or fault. Twelve years later, this law was broadened to include job-related diseases also.

The formation of Safety Groups was authorized by Section 91 of the original law in order to facilitate:

• Prevention of occupational accidents and diseases;

• Improved medical care to workers; and

• Reduction in the cost of Workers’ Compensation Insurance for employers.

A Safety Group is a collection of companies within the same trade or industry that encounters and manages a similar set of work conditions, safety hazards and job risks. The Group cooperatively seeks to secure its state-mandated Workers’ Compensation Insurance for the lowest possible rate at the highest level of quality service.

Lovell administers 13 major Safety Groups, and is now the oldest, largest and most successful Safety Group manager in New York State. That success is attributed to several factors:

• Selectivity in qualifying eligible member companies;

• Intensive claims management effectively limits employer and group liability;

• Aggressive pursuit of accuracy in manual rates, classifications and experience ratings;

• Oversight on development and implementation of effective safety programs;

• Service team methodology, assuring member companies of the highest level of service, support and responsiveness.

Those companies accepted into Lovell’s Safety Groups must be committed to developing and maintaining effective safety programs, thereby limiting accidental injuries and occupational diseases. The outcomes of this cooperative effort are a diminished number of claims, lower experience ratings, higher dividends and healthier bottom lines!

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