Risk Control

No one wants to experience an accident or loss — especially one that could be avoided. Our risk control consultants can help your customers protect their business risks — employees, property, and operations. Our practical recommendations can help keep their businesses running safely and smoothly.

Cybersecurity risks are skyrocketing

Cyberattacks pose a serious threat to small businesses, which typically have limited resources to prevent and recover from a data breach. Two-thirds of small businesses have experienced an attack in the past 12 months1 – with an average cost per stolen record of $1462.

 

Amid COVID-19, the problem has only worsened. Cybersecurity experts are seeing up to 4,000 attacks a day – a 300% increase from what they were pre-pandemic3.

 

For National Cybersecurity Awareness Month, attend our 20-minute coffee break to learn more about the growing risk of cyberattacks, common mistakes businesses make, examples of exposures and more. Talk to your small business clients about protecting their online assets and share these cybersecurity resources.

12019 Global State of Cybersecurity in Small and Medium-Sized Businesses, Ponemon Institute, sponsored by Keeper Security, Inc.
2Cost of a Data Breach Report 2020, Ponemon Institute, sponsored by IBM Security.
<sup>3</sup>FBI sees spike in cyber-crime reports during coronavirus pandemic, The Hill, April 16, 2020.

Cyberattacks pose a serious threat to small businesses, which typically have limited resources to prevent and recover from a data breach. Two-thirds of small businesses have experienced an attack in the past 12 months1 – with an average cost per stolen record of $1462.   Amid COVID-19, the problem has only worsened. Cybersecurity experts are…

An important layer of protection for farm

Excess liability isn’t just for catastrophes or large-scale operations – it provides added protection for many types of losses that farms and agribusinesses of all sizes may experience.

 

Share this brochure with your clients to help them better understand how an excess liability policy can further protect the farms they’ve worked so hard to grow, without breaking the bank.

 

And remember – for every farm policy you quote and issue in eCLIQ<sup>®</sup>through Sept. 30, 2020, you’ll receive two Instant Incentives™ spins, putting up to $100 in your pocket*.

*For participating agencies only.
 Farm is not available in AK, CT, DE, FL, HI, LA, MA, ME, NH, NJ, NY, RI and VT.

Excess liability isn’t just for catastrophes or large-scale operations – it provides added protection for many types of losses that farms and agribusinesses of all sizes may experience.   Share this brochure with your clients to help them better understand how an excess liability policy can further protect the farms they’ve worked so hard to…

Wildfires are on the rise

Wildfires are on the rise across many parts of the country — and the season is starting earlier and ending later each year. It’s never too early for you and your clients to take steps to minimize losses before the next one strikes.

 

Download and share our action plan. It has important information that can help secure property and protect lives.

Wildfires are on the rise across many parts of the country — and the season is starting earlier and ending later each year. It’s never too early for you and your clients to take steps to minimize losses before the next one strikes.   Download and share our action plan. It has important information that…

Water, the new fire in commercial construction

Representing 24% of total incurred losses from 2014 to 2018*, water damage has become a key driver of builder’s risk claims. From installing water flow alarms to caging sprinkler heads, policyholders have various tactics at their disposal to mitigate the risk of water damage. It all starts with a wet work program – something we can help your clients create.

 

Share our water damage infographic with your clients to help them understand the principal causes of water losses and how to address them.

*Insurance Services Office, Inc. 2019

Representing 24% of total incurred losses from 2014 to 2018*, water damage has become a key driver of builder’s risk claims. From installing water flow alarms to caging sprinkler heads, policyholders have various tactics at their disposal to mitigate the risk of water damage. It all starts with a wet work program – something we…

Risk control services to share with your clients

Today’s changing business environment amidst COVID-19 has impacted small businesses across the country. As sections of the country slowly reinstate parts of the workforce, you can help ensure the safety of your clients’ workers, their projects and the public by sharing Liberty Mutual’s risk control resources and services with them.

 

Liberty Mutual SafetyNet™ is a one-stop online destination for safety tools, training and resources to help improve workplace safety, reduce the cost of risk and follow nationally recognized standards.

 

In addition, clients can contact the Risk Control Consulting Center, where our expert consultants are able to answer questions about safety and risk control, provide advanced technical guidance and offer a wide array of solutions to help them minimize loss.

Today’s changing business environment amidst COVID-19 has impacted small businesses across the country. As sections of the country slowly reinstate parts of the workforce, you can help ensure the safety of your clients’ workers, their projects and the public by sharing Liberty Mutual’s risk control resources and services with them.   Liberty Mutual SafetyNet™ is…

Builder’s risk: Protecting the jobsite

As our communities respond to COVID-19, many construction jobsites are becoming vulnerable to theft, vandalism, fire and water damage. Help your builder’s risk clients protect their jobsites during this time by going over simple safety tips and best practices with them. Don’t forget to ask them about the progress of each of their projects, as it may influence what steps they take to protect their property!

 

For the latest updates and resources, visit our COVID-19 page on Helping You Succeed.

As our communities respond to COVID-19, many construction jobsites are becoming vulnerable to theft, vandalism, fire and water damage. Help your builder’s risk clients protect their jobsites during this time by going over simple safety tips and best practices with them. Don’t forget to ask them about the progress of each of their projects, as…

Commercial umbrella rates are trending up

For the first time in years, escalating losses and lawsuits have combined to max out coverage limits on liability policies and increase rates for those with commercial umbrella policies. Additionally, due to inflation, policy limits set at $1 million in 1985 may no longer be enough to cover large claims — especially those that take years to settle.

 

Get familiar with the trends that contribute to the recent rate hikes, then share our Ways to Help Reduce Hazards and Costs guide with your clients.

For the first time in years, escalating losses and lawsuits have combined to max out coverage limits on liability policies and increase rates for those with commercial umbrella policies. Additionally, due to inflation, policy limits set at $1 million in 1985 may no longer be enough to cover large claims — especially those that take…

Hurricane season is upon us

According to the National Weather Service, the 2020 hurricane and tropical storm season starts May 15 in the Pacific Region and June 1 in the Atlantic Region of the United States. Advance preparation can help minimize losses due to a catastrophic event. Share our sample action plan with your clients to help them protect their customers, employees and livelihood.

According to the National Weather Service, the 2020 hurricane and tropical storm season starts May 15 in the Pacific Region and June 1 in the Atlantic Region of the United States. Advance preparation can help minimize losses due to a catastrophic event. Share our sample action plan with your clients to help them protect their…

Tornado and hail storms: A growing threat

During the past five years, losses due to wind and hail averaged about $15 billion annually; and they’re increasing each year. Wind, tornado and hail storms are growing in intensity and impacting more areas of the country. To help protect your clients’ business as well as your own, it’s important to have safety measures in place before, during and after a storm. View and share our tornado and hail sample action plans.

During the past five years, losses due to wind and hail averaged about $15 billion annually; and they’re increasing each year. Wind, tornado and hail storms are growing in intensity and impacting more areas of the country. To help protect your clients’ business as well as your own, it’s important to have safety measures in…

New training opportunities for clients

At Liberty Mutual Insurance, we are committed to safety innovation and solving the workplace safety challenges of tomorrow. We want to help your clients take a proactive approach to safety in the workplace. Share our risk control training calendar with your clients and help them find and register for free webinars and seminars led by risk control technical consultants.

At Liberty Mutual Insurance, we are committed to safety innovation and solving the workplace safety challenges of tomorrow. We want to help your clients take a proactive approach to safety in the workplace. Share our risk control training calendar with your clients and help them find and register for free webinars and seminars led by…

Be prepared for winter weather.

Winter will soon be upon us and when the temperature drops, the threat of blizzards, freezing temperatures, heavy winds and snow rises. When it comes to winter threats, it is important to be prepared and planning ahead may help prevent a weather emergency from becoming a business catastrophe. Our winter storm action plan provides:

  • Checklists for pre-storm preparation
  • Immediate actions to take before and during a storm
  • Recovery steps to take after a storm hits

Share it with your clients to help them get ahead of the threat.

Winter will soon be upon us and when the temperature drops, the threat of blizzards, freezing temperatures, heavy winds and snow rises. When it comes to winter threats, it is important to be prepared and planning ahead may help prevent a weather emergency from becoming a business catastrophe. Our winter storm action plan provides: Checklists…

Ready your retail clients for the holiday season

The holiday shopping season has started! Share these helpful resources with your retail clients to help ensure they’re prepared:

Want to write more retail business? Check out our retail resources including an underwriting overview and cobrandable marketing resources.

The holiday shopping season has started! Share these helpful resources with your retail clients to help ensure they’re prepared: How to Manage Crowds at Your Retail Store Parking Lot and Valet Safety Retail safety materials on Liberty Mutual SafetyNetTM​ Want to write more retail business? Check out our retail resources including an underwriting overview and cobrandable marketing resources.