Loss Control

Introduction
NFA Risk Management Corporation, Inc. is a subsidiary corporation of your NFA staffed by experienced professionals. In addition, Burger King franchisees from each region have a leadership role in the program’s design and on-going management to assure it meets membership needs.

NFA+ emphasizes loss control and claims management as a means of obtaining lower cost insurance. Insurance carriers analyze franchisees’ loss history and price insurance premiums accordingly.

The NFA+’s in-house loss control personnel work with franchisees throughout the country to counsel and train them on how to reduce losses and manage claims effectively. Quarterly loss reports are provided to each participating franchisee, so they always know where they stand with accident frequency and cost. The VP of Insurance Services monitors all large claims and sees that claims are handled fairly with illegitimate and inflated claims aggressively managed. Loss Control Seminars and restaurant inspections are also an integral part of the program.

Reducing Frequency and Severity of Losses
Each of you can reduce your cost of insurance by reducing the number and the severity of the claims that occur at your restaurants. Your loss experience greatly affects the premiums you pay.

SLIP & FALLS
The majority, both in number and severity, of Burger King restaurant worker’s compensation and general liability claims are slip and fall cases inside and outside the restaurant.

Slip and fall claims comprise 60% of the liability claims submitted this year and comprise 76% of the total dollars paid on liability claims this year. Slip and fall claims comprise 65% of all workers' compensation claims submitted this year and 63% of the total dollars paid on workers' compensation claims this year.

Please have each of your restaurants inspected both inside and out to reduce the risk of slip and falls.

Review the following at a minimum:

Please have your employees conduct a self-assessment on a regular basis. Remember, by reducing the number and the severity of the claims at your restaurant you can substantially reduce your premium.

If you have any questions, comments or need any additional information feel free to call the NFA office at 678-797-5160.