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Loss Control Services
Proactive Loss Control Services to Reduce Risk, Claims & Insurance Costs
LOSS CONTROL SERVICES
Proactive Risk Management That Goes Beyond Insurance
Insurance helps businesses recover after a loss. Risk management helps prevent that loss from disrupting operations in the first place.
At Tower Street Insurance, we work with business owners to identify exposures before they become claims, helping organizations create safer workplaces, protect their people and assets, and build stronger long-term insurance programs. From fleet safety and driver accountability to workplace safety initiatives and risk transfer strategies, our Loss Control Team takes a proactive approach to reducing the risks that can impact your business, profitability, and future insurability.
Whether you operate a single location or manage a growing organization with multiple facilities, employees, and vehicles, we help turn risk management into a competitive advantage.
Claim Frequency Drives Everything That Follows
Why Loss Control Matters
Insurance carriers evaluate businesses largely on their loss history, and even a series of relatively small claims can affect your experience modifier, loss ratio, insurability, and insurance premiums for years. In many cases, the financial impact of a claim lasts far longer than the claim itself.
Effective loss control helps reduce both the frequency and severity of losses by identifying hazards, improving safety practices, and creating accountability throughout an organization. The goal is not simply to meet compliance requirements. It’s to create safer operations that support long-term business success.
The Benefits Extends Beyond Insurance Costs
- Reduced workplace injuries
- Fewer vehicle accidents
- Lower workers’ compensation costs
- Improved employee retention
- Better productivity
- Fewer project delays
- Stronger employee morale
- Improved customer satisfaction
- Enhanced reputation
Businesses with strong loss control programs often experience fewer disruptions, better operational performance, and more favorable treatment from insurance carriers. At Tower Street, we believe loss control is one of the most valuable investments a company can make. Preventing serious injuries protects employees, strengthens culture, improves profitability, and supports long-term growth.
Customized Strategies Built Around Your Business
Our Risk Management & Loss Control Services
No two businesses face the same risks. Our team develops practical solutions based on your operations, workforce, regulatory requirements, and loss history.
Workplace Safety & OSHA Compliance Services
A strong safety culture does more than satisfy OSHA requirements. It helps reduce injuries, improve operational performance, and control the claims that drive long-term insurance costs.
Services Include
- Written safety programs
- OSHA compliance programs
- Safety manuals and procedures
- Supervisor accountability programs
- Employee safety training
- Safety committee development
- Safety culture improvement initiatives
- Regulatory readiness assessments
Facility Inspections & Jobsite Evaluations
Our team helps businesses proactively identify hazards and implement corrective measures before incidents occur.
Services Include
- Facility inspections
- Site inspections
- Jobsite inspections
- Safety audits
- Operational risk assessments
- Exposure reviews
- Corrective action recommendations
Job Hazard Analyses (JHAs) & Accident Investigations
Reducing claims starts with understanding what caused them.
Services Include
- Job Hazard Analyses (JHAs)
- Root cause analysis
- Accident investigation
- Near-miss reviews
- Corrective action planning
- Injury prevention initiatives
Industrial Hygiene & Ergonomic Assessments
Not all workplace hazards are obvious. Repetitive motion injuries, poor workstation design, noise exposure, and environmental hazards can all contribute to long-term losses.
Services Include
- Ergonomic assessments
- Workstation evaluations
- Equipment utilization reviews
- Manual material handling assessments
- Noise exposure evaluations
- Industrial hygiene assessments
- Operational procedure reviews
Focused Solutions for Complex Exposures
Some workplace hazards require specialized compliance programs and ongoing management.
Areas of Focus
- Fall Protection
- Silica Exposure
- Lead Exposure
- Confined Space Entry
- Lockout/Tagout (LOTO)
- Heat Illness Prevention
- Machine Guarding
- Respiratory Protection
- Personal Protective Equipment (PPE)
Fleet Safety & Driver Risk Management
For many businesses, vehicle accidents represent one of the largest areas of risk. Tower Street helps businesses implement fleet safety programs that improve accountability, reduce distracted driving, and create opportunities for driver coaching and claims reduction.
Services Include
- Fleet safety program development
- Driver qualification programs
- DOT compliance support
- Driver coaching programs
- MVR review procedures
- Claims trend analysis
- Driver accountability initiatives
- Telematics implementation
Azuga GPS Tracking & AI Safety Cameras
Tower Street partners with Azuga to help businesses improve fleet visibility, enhance driver safety, and reduce vehicle-related claims.
The Azuga SafetyCam combines GPS tracking, artificial intelligence, and video technology to identify risky driving behaviors and provide real-time coaching opportunities.
Key Benefits
- AI-powered dash cameras
- GPS tracking
- Real-time driver alerts
- Live and recorded video
- Driver behavior monitoring
- Cloud-based video storage
- Driver coaching opportunities
- Accident investigation support
- Claims defense documentation
AI-Detected Driving Behaviors
- Cell phone use
- Distracted driving
- Driver drowsiness
- Seat belt violations
- Smoking while driving
- Eating and drinking while driving
- Hard braking
- Sudden acceleration
- Aggressive cornering
- Vehicle impacts and harsh driving events
Property Risk & Facility Assessments
Loss control extends beyond employee safety. Our team works with businesses to identify facility-related risks that can lead to property damage, operational disruptions, and increased insurance costs.
Services Include
- Fire protection evaluations
- Security reviews
- Property risk assessments
- Environmental site reviews
- Business continuity exposure reviews
Business Continuity & Operational Resilience
A serious accident, natural disaster, fire, or operational disruption can affect far more than your insurance program. Our team helps businesses evaluate vulnerabilities and develop strategies that support operational continuity and long-term resilience.
Services Include
- Business continuity planning
- Incident response planning
- Emergency preparedness reviews
- Recovery planning strategies
- Operational resilience assessments
Safety Training & Employee Development
The most effective safety programs are supported by ongoing education and employee engagement.
Training Topics Include
- OSHA 10
- OSHA 30
- DOT Driver Safety
- Hazard Communication (HazCom)
- Environmental Response Procedures
- HMIS Training
- Supervisor Safety Development
- New Employee Safety Orientation
Turn Risk Management into a Competitive Advantage
Why Businesses Partner with Tower Street
We help clients understand the risks that drive claims, workplace injuries, insurance costs, and operational disruptions. By combining insurance expertise, safety consulting, claims advocacy, contract review support, and technology solutions, we help businesses build stronger and more resilient organizations. When risks are better managed, businesses are better positioned to grow.
Whether you’re looking to reduce claims, strengthen OSHA compliance, improve fleet safety, implement telematics technology, or build a stronger workplace safety culture, Tower Street is here to help.
Tower Street Insurance by the Numbers
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- 5001 Spring Valley Rd 500W Dallas, TX, 75244
- PO Box 803506
- admin@towerstreetinsurance.com
- 469-788-8888
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