How Loss Control Management Can Help Avoid Workplace Injuries


Protecting a company’s most valuable asset – its employees – is of utmost importance. Promoting workplace safety to help reduce employee injuries and expensive claims is one way to help keep your workforce healthy and productive, and keep your premiums down.

Loss control is designed to help prevent or reduce the possibility of a loss, or to help reduce its severity if one does occur. Keep reading to find out more about how loss control professionals can help create a workplace safety plan to aid in reducing accident risks and workers’ comp claims.

Getting Started


A hazard assessment should be conducted by a loss control consultant and/or a safety committee. The Occupational Safety and Health Administration (OSHA) recommends that two managers plus two additional employees make up your internal safety committee.

The object is to look for anything that could pose a threat to your workforce, like slippery floor surfaces or tripping hazards. Risks will vary depending upon the workplace environment (manufacturing versus office work). By identifying potential hazards and risks, this builds the foundation for a workplace safety plan.

Create an Action Plan

By creating an action plan for approaching these hazards, a business can help set themselves up to successfully achieve their workplace safety goals. The action plan should be unique to your workplace and be in alignment with the risks that were identified in the hazard assessment. The plan is simple: describe the problem/risk and provide a solution. The safety committee should be in charge of managing the action plan and making sure it is being effectively carried out.

Training and Implementation

Training employees to observe loss control guidelines is an important part of any program. This will help ensure that your employees keep safety top-of-mind and are aware of workplace hazards.

For example, AmTrust offers training programs, including a streaming safety video system that provides all active policyholders access to over 600 videos. The topics range from back injury prevention to electrical safety to machine guarding. A complete list of loss control training materials can be found here.

Effective communication is valuable in improving an overall safety system. Incorporating reminders about safety in the workplace will further emphasize to your employees the importance of following the company safety plan.

Record Keeping


Keeping accurate and detailed records is a key aspect of a workplace safety program. It is also necessary for OSHA and other regulatory requirements. It creates accountability and effective business management, while keeping track of results for any safety inspections or insurance audits. In addition, it’s a form of loss control in itself – enabling a business to learn from past experiences and identify potential issues in the future, and ultimately help prevent losses.

Take Control of Your Losses

A good safety plan makes good business sense, and that starts with implementing loss control into the workplace. The goal of an employer should be to provide a safe work environment for all employees. This helps keeps your workplace healthy and productive, and can keep insurance costs down.

Learn more about the loss control capabilities AmTrust has to offer, and check out our blog post, “Take your loss control to the next level.”

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3 Effective & Affordable Marketing Strategies & Tips for Your Small Business


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Promoting and positioning your small business is a never-ending endeavor. Sometimes a heavier marketing effort makes sense, such as when the business first opens or during the holidays. Even strictly seasonal businesses cannot afford to go completely dark during their off-peak time. To remain relevant and successful in today’s hyper-competitive and crowded marketplace, it’s important to stay top-of-mind, both online and off.

The seemingly infinite number of marketing strategies, tactics, and channels to choose from today can be overwhelming for small business owners. In this article, we will skip the basics, including touching on the importance of a great website, a growing customer database, and an active social media presence. Rather, we will focus on three affordable marketing tips for making a big — and quick — impact that small business owners like you can use immediately to help generate leads and (re)build your brand.

Search Engine Marketing (SEM)

SEM ads are paid text ads that appear on the top of search engine results pages (SERPs) when you type in a search query. When you consider that 51% of all local mobile searches result in a store visit, the necessity of being found in a search query can be vital for both lead generation and keeping your brand top-of-mind. Some of the great features and benefits of an SEM campaign include:

  • Budget Control | Set a daily or monthly budget you are comfortable with. If you reach your budget limit, your ads will stop showing for that time-period. If you want to dip your toes in, start with a monthly budget of $500, monitor the results, and take it from there.
  • User-Friendly Platform | Setting up, monitoring and tweaking your SEM campaign on a pay-per-click platform is not complicated. They are very user-friendly, and easy to learn and navigate even for those who are not tech savvy. The reporting functions are also robust and insightful.
  • Targeting | Target your desired customers by keyword, topic, language, location, device, and a multitude of demographic options.

Tip! Free training certification courses are available online to help you learn, manage, and maximize your AdWords campaign.

Video Marketing

SEM is a low-cost, highly effective way to generate leads and drive foot traffic into your store. Content marketing on the other hand, can be necessary for brand identity, education, customer engagement, and search engine optimization (SEO). In addition to producing text content in the form of articles and newsletters, another option is to change the form. Arguably, the most engaging form of content available right now is video.

The bottom line: many people are visual learners and prefer video to text content. Consider the following:

  • Internet video traffic made up 69% of all global consumer internet traffic in 2017.
  • By 2019, internet video traffic will account for 80% of all consumer Internet traffic.
  • The average user spends 88% more time on a website with video.

Simply put, statistically speaking, your customers crave video. You can provide them with a great brand experience at a very low cost. You do not need expensive video equipment or a fancy studio. All you need is a steady hand (or a cheap tripod) and a smartphone. Take your videos to the next level with one of the many free and low-cost, user-friendly video editing software options available online.

Tip! Keep videos brief, informative, and snappy. Aim to keep your videos between one and three minutes long. For increased engagement, you might try asking your customers to participate in your videos, perhaps in a testimonial or as a tutorial assistant. Ensure that you have participating customers sign appropriate release forms before making the video public.

Bonus tip! Transcribe your videos and add this content to the landing page where you video resides (whether it’s self-hosted on your site or embedded from a site like YouTube). The text will be crawlable by search engine spiders and can help your page rank for organic searches.

Customer Feedback

There is nothing more important to a business than customer feedback and opinion. All companies need to welcome customer feedback with open arms… and react appropriately. Customers appreciate when companies are genuinely interested in what they have to say. Get their opinion on their personal views of your business/brand, their experience doing business with your brand (i.e., ease of use, satisfaction with your product, service, etc.), and media usage habits (so you know how and where to advertise).

Provide hard copy surveys in your store, send e-surveys to your opt-in database (find low-cost e-survey options online), hold focus groups with a small group of customers in your store after-hours, and hold one-on-one interviews with customers.

Tip! To increase the number of completed customer surveys and focus group participation, offer a 10-15% discount on their next purchase for participation.

The sheer number of marketing and advertising options available today is mind-boggling. The most important thing can be to focus on doing a few things really well, instead of many things with average results. These three cost-effective marketing strategies for small businesses can help address lead generation and your brand in an affordable, quick, and high-impact way.

To get more tips for marketing and protecting your small business, subscribe to the AmTrust North America blog now. AmTrust Financial provides small business insurance coverage including worker’s compensation and general liability.

This material is for informational purposes only and is not legal or business advice. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors.

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AmTrust Reports A 16% Increase in Operated Earnings For The Second Quarter 2015


AmTrust Financial Services (AFSI), the parent company of Warrantech, recently announced continued growth of operating earnings and strong operating on equity for the second quarter ended June 30, 2015.

Operating earnings were $130.5 million, or $1.55 per diluted share, an increase of 22%, compared to $107.1 million, or $1.34 per diluted share, in the second quarter of 2014. Second quarter 2015 net income attributable to common stockholders was $70.7 million, or $0.84 per diluted share, compared to $106.3 million, or $1.33 per diluted share, in the second quarter 2014. Second quarter 2015 annualized operating return on common equity was 26.3% compared to 28.0% in the second quarter 2014. Annualized return on common equity was 14.3% for the second quarter of 2015 compared to 27.8% for the second quarter of 2014.

Second Quarter 2015 Results

Total revenue was $1.11 billion, an increase of $0.10 billion, or 10%, from $1.01 billion in the second quarter 2014. Gross written premium was $40.3 billion and net written premium was $1.01 billion, an increase of $85.0 million, or 9%, compared to $923.7 million in the second quarter 2014. Net earned premium was $969.0 million, an increase of $94.0 million, or 11%, from $874.9 million in the second quarter 2014. The combined ratio was 90.5% compared to 90.9% in second quarter 2014.

A summary of Q2 results is listed below along with a link to the earnings release.

Financial Highlights

Second Quarter 2015

Gross written premium of $1.68 billion, up 16% compared to $1.44 billion in the second quarter of 2014

  • Net earned premium of $969.0 million, up 11% from $874.9 million in the second quarter 2014
  • Operating diluted EPS of $1.55 compared to $1.34 in the second quarter 2014
  • Diluted EPS of $0.84 compared with $1.33 in the second quarter 2014
  • Annualized operating return on common equity of 26.3% and annualized return on common equity of 14.3%
  • Service and fee income of $107.7 million, up 8% from the second quarter 2014
  • Operating earnings of $130.5 million, up 22% compared to $107.1 million in the second quarter 2014
  • Net income attributable to common stockholders of $70.7 million compared to $106.3 million in the second quarter 2014
  • Combined ratio of 90.5% compared to 90.9% in the second quarter 2014

YTD 2015

  • Gross written premium of $3.41 billion, up 10% compared to $3.11 billion YTD 2014
  • Net earned premium of $1.92 billion, up 13% from $1.70 billion YTD 2014
  • Operating diluted EPS of $3.01 compared to $2.58 YTD 2014
  • Diluted EPS of $2.69 compared with $2.60 in YTD 2014
  • Annualized operating return on common equity of 27.1% and annualized return on common equity of 24.2%
  • Service and fee income of $220.6 million, up 16% from $190.5 million YTD 2014
  • Operating earnings of $251.9 million, up 23% compared to $204.5 million in YTD 2014
  • Net income attributable to common stockholders of $225.4 million compared to $206.1 million in YTD 2014
  • Combined ratio of 89.8% compared to 90.4% in YTD 2014
  • Book value per common share of $24.05, up 8% from $22.34 at December 31, 2014
  • AmTrust’s stockholders’ equity was $2.47 billion as of June 30, 2015 up 21% compared to $2.04 billion as of December 31, 2014

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