FULL-SERVICE, RISK MANAGEMENT & INSURANCE SOLUTIONS FOR THE SOLID WASTE, SCRAP & RECYCLING INDUSTRIES

When Matthew told us he was going to review our risk management program and Critical Risk Indicators, I thought he was just quoting our insurance like other agents. I was pleasantly surprised with the findings. It opened our eyes to all the risks Tringali Sanitation actually faces that are NOT covered under ANY insurance policy. We are now addressing and improving those Critical Risk Indicators so that insurance companies understand why we are a better risk than the others. Using this process, we have reduced our cost of risk by $425,000. We have been in business for 50 years, and I believe Matthew and American Waste Group understands a waste hauler’s issues better than anyone I know. Vitals Employees: 60 Trucks and Trailers: 52

Over the years, I estimate that American Waste Group has reduced our cost of risk by $263,000 annually. Matthew has become our outsourced risk manager-not just our insurance agent-because he analyzes all of our RISKS, not just our insurance policy. One of his recommendations was to start using the Exemplar Research Group’s pre-employment test. The results are almost unbelievable. Over the last 18 months, it has reduced our worker’s comp severity costs by 68.9%. The added bonus is that our supervisors have found that the new hires recommended are easier to manage, more productive and more conscientious about their jobs. I can honestly say that American Waste Group has made a significant difference in our organization. They’re different than any other agency (broker) I have dealt with before! Vitals Employees: 235 union Trucks and Trailers: 185 Landfills and Transfer Stations: 4

GENERAL LIABILITY

The secret to low premiums is to change the behaviors of employees that lead to accidents.

WORKERS COMP

Workers’ compensation claims are most often the result of the employee doing something unsafe once too many times.

AUTO ACCIDENTS

An analysis of crash causation found that human-error was the probable cause of 90-93% of all accidents.

RISK & HR ASSESSMENT

Because insurance companies price your account based on both the real and perceived risks that your company poses to them, we provide a risk audit that will identify the risks that can result in a financial loss and drive-up premiums. Doing a HR audit of your procedures and documentation will help identify areas that could lead to unwanted scrutiny from OSHA and the Department of Labor. Good internal procedures will avoid employee lawsuits for discrimination, wrongful termination and harassment.

FIELD BEHAVIOR AUDITOR

Our field survey software gives supervisors a tool to observe, measure and coach employees at the exact moment they need it in real-time. When employees are doing something unsafe and the supervisor wants to show the correct way to do the job, the supervisor can click a button that will show a short video clip demonstrating the correct way to perform the job. Coaching and correcting improves safe behavior unlike anything you have seen before, and it is used by many Fortune 100 companies.

BENCHMARK CLAIMS WITHIN INDUSTRY

We compare your company’s premiums against other similar companies. This will determine if the number of claims in your company is above or below your peers to get industry comparison. Benchmarking may help drive-down your company’s premiums by relative comparison, providing a case to your carrier that you may be paying a disproportionate amount compared to companies carrying a similar level of perceived risk.

AGGRAVATED INEQUITY AUDITS

Some closed claims never get reported to the state, others get closed-out for much less, but never updated with the state. We verify your experience mod with the state and uncover any issues, such as outstanding workers’ compensation claims or other liability concerns that may have already been resolved. This keeps your experience modification as low as possible.

CONDITIONAL OFFERS OF EMPLOYMENT

Some new hires will have pre-existing injuries and/or previous workers’ compensation claims. Sometimes, these injuries may make them more prone to having an accident while working for you. We will give you the tools to discover if the employee has had previous claims or injuries that would make it dangerous for them to work in the waste industry.

INSURANCE CARRIER PLACEMENT

To obtain a more accurate assessment of the level of real and perceived risks in relation to your premiums, we place your company with an industry-experienced carrier specializing in the solid and bio waste hauling. This will provide your business with lower premiums and get your company better support from your agent. When combined with other efforts to reduce risks, this may bring your company a substantial financial advantage.

LMS LEARNING MANAGEMENT SYSTEM

Training the employees to work safely and also testing them for comprehension is essential. We provide you with a complete on-line learning management system with waste industry specific courses. Our courses can be taken from any smart device, they are SCORM compliant and include courses for OSHA compliance. Once the employee completes the course, an electronic record and certificate is available to print for their file for evidence of training.

PREDICTIVE BEHAVIOR PROFILE

Injured workers may take advantage of a claim and even sue, driving-up your claim costs, insurance premiums and Experience Modification. We co-developed a personality test with psychologists from the University of Tennessee that helps identify and avoid high-risk employees. Our clients have reduced their claim severity by as much as 71% as documented in a Wall Street Journal article about us.