Safety Consulting
Safety improves the bottom line
Industry Experience
Safety specialists with effective solutions
Organizations have diverse and unique needs when it comes to safety and compliance programs. Horton features a staff of dedicated safety professionals with relevant, hands-on experience. Our consultants have degrees and certifications in occupational safety to ensure the quality and results of the services they provide.
Focus on Results
Delivering to your bottom line
Our team of consultants help establish measurable goals and objectives for every client project or service provided. The client’s success, measured in cost reduction and improved profitability, is how our safety consultants monitor and measure their progress, and yours.
Service and Support
Responding to your emergencies and urgent needs
Safety and compliance issues require immediate response and the bench depth in our safety consulting group ensures the ability to provide an expert to assist with accident investigation, OSHA inspections, and DOT audits. Early intervention can help limit damage and costs associated with accidents and regulatory compliance.
Safety Consulting
Horton’s Certified Safety Professionals (CSP®) and Specialists work with all levels of an organization to assess, develop and implement cost-effective solutions that help reduce costs and improve profitability
Core Horton Safety Services:
- Comprehensive Safety Program Assessments
- OSHA and DOT Compliance Assistance
- Employee Safety Training
- Management and Supervisor Safety Training
- Safety Observations and Audits
- Develop Employee and Supervisor Accountability Programs
- Ergonomics Consulting
- Industrial Hygiene Services
- Assistance with Insurance Company
- Loss Control Recommendations
Claims Advocacy
A true advocate capable of settling claims disputes and resolving problems
Claims Advocacy
Aggressively engaged in the claims process
Horton employs claims professionals with years of experience working for insurance companies, and who handle actual claims files. This knowledge enables them to navigate through any claims situation at an extremely high level. The end result – lower claims and costs, which means quicker resolutions for clients.
Litigation Management
Understanding attorney protocol
We enhance the vital relationships between clients, lawyers, independent adjusters and other professionals who assist claims professionals in the investigation, adjudication and resolution of litigated claims.
Selecting a Medical Clinic
Understanding the employee’s specific needs
Best in Class companies understand the importance of selecting an appropriate doctor and a specific examination. We offer comprehensive assistance in selecting the proper medical hospital or clinic and a preferred physician, according to an employee’s needs, wishes and personal choice.
Return-To-Work Programs / Modified Duty
Safeguarding a speedy recovery
Best in Class companies offer an effective return-to-work program that includes modified duty as part of their proactive cost containment. Our programs are efficient, timely, and appropriate. Professional help is immediately assembled upon notification of an injury, to ensure the employee has the best opportunity to recover and return to work.
Fraud Detection Assistance
Investigating and enforcing ethical measures
The instances of insurance fraud are increasing at an alarming rate each year. This abuse is impacting Workers’ Compensation claim costs significantly. In response, Horton implements sophisticated fraud detection tools to combat what experts estimate is an $80 billion annual problem for our industry.
We work to ensure that the insurance company:
- Remains current on all outstanding items
- Pays legitimate claims quickly
- Challenges questionable claims
- Sets reserves properly
Risk Transfer / Legal
Balancing appropriate levels of protection and responsible levels of cost
Ambitious Risk Transfer Strategy
Clients move forward with confidence, awareness
We offer companies a proactive risk transfer strategy. Our in-house paralegal and attorney review insurance and indemnification provisions in contracts and certificate of insurance requests, providing educated and qualified comments, adjustments and suggestions.
The Four Critical Objectives
- Eliminate as many risks as possible
- Transfer any risks that you can
- Utilize insurance properly
- Take control
Contract Review Checklist
- Hold harmless and indemnification reviews
- Coverage requirement analysis
- Insurance policy restrictions
- Non-insurance coverage reviews
- Ongoing client consultations
Alternative Risk and Captives
The ability to turn premium payments into profits
Alternative Risk Marketplace
Staying ahead of the program
The alternative risk marketplace is advancing more rapidly than its traditional counterpart. More than 50% of U.S. premiums are written in some form of an alternative risk program. Horton has remained on the cutting edge by introducing clients to a variety of alternative risk options.
Group Captives
A strong and growing concept
Horton has developed a core competency in the area of captives, with a particular focus on group captives. Working in conjunction with our captive management partners, we launched a homogeneous construction group captive in 2003 and a heterogeneous captive in 2006. Both groups have experienced excellent results since inception.
Group Captive Participation Benefits
In a captive, companies gain the ultimate level of ownership and control:
- Professional partners are hand-selected by captive owners
- Captive members control how their specific claims are managed
- Loss control services are customized to meet members’ needs and reduce risk
- New members are identified and approved (or vetoed) by captive owners
Financial/Wealth Options and Flexibility
- Insurance profits are tax-deferred to the shareholder
Reduced Overall Costs
- Contributions are based on each company’s expected losses
- Premiums are likely to be more stable from year to year
- The ability to retain investment earnings and underwriting profit
- Fixed costs are controllable and can be reduced
Improved Insurance Program
- Enhanced coverage, marketability and cost control
- Forum for exchange of ideas; learn from members’ experiences
- No surprises in the renewal process; no bidding upheaval
Coverage Reviews and Quality Control
Implement protocols, procedures and checklists to eliminate errors Exposure and Coverage Reviews
A complete review ensuring accuracy
Businesses have many complex exposures to address and hundreds of options to consider. It is important that the process be organized. We review a company’s risk management profile by utilizing exposure and coverage review checklists to ensure effective analysis. Experience Rating and Modification Analysis
Strategic analysis to locate errors
Workers’ compensation premiums are adjusted according to claims and payroll history. Inadequate or incorrect information can cause errors in the promulgation of the experience modification factor. Horton reviews loss and payroll data to verify that the experience mod is accurate. Classification Analysis
Eliminating problems before they arise
The work description for each employee is an important factor when calculating workers’ compensation premiums. Although all companies use a standard classification system, Horton provides tools and resources to eliminate errors before they occur. Mid-Year Review
A check-up to stay on track
Best in Class companies stay in tune with the marketplace by scheduling a mid-year review. The purpose is to revisit the exposures associated with each business, as well as to solicit in-depth feedback regarding the overall service that Horton is providing. Benchmark Comparisons
If you don’t measure it, you can’t change it!
A company’s historical insurance data holds a wealth of information. We help companies interpret complex information and then compare their data to the current marketplace. International Operations
Overseas facilities demand the same high-level care as U.S. operations Team Building
The key to any program is having the right people
An important step is to first identify quality insurance brokers in non-U.S. countries who offer the same high-level of service as is customary in the U.S. As a partner in Assurex Global, Horton has access to more than 500 of the leading privately-held insurance brokers on six continents. Risk Assessment
Clearly identify the needs for locations around the world
For a multi-national, the intricacies of a comprehensive insurance program can be overwhelming for clients. A thorough analysis of potential exposures is critical, along with developing strategies to address those needs. Local Insurance Placement
Keeping partners close provides valuable access
Working with local partners allows Horton the benefit of intimate market knowledge. This ensures access to financially sound insurers, the most comprehensive coverages, and the highest level of service, in addition to competitive pricing. Clear Communication
Staying in the loop ensures long-term stability
Best in Class companies utilize their home office to maintain control of all non-U.S. risk management programs. The proper use of non-U.S. brokers around the world, and establishing clear lines of communication are essential to ensuring long-term stability of the entire organization. Assessment & Review
How do you compare to the industry’s best? Learn From The Best
A Best in Class Questionnaire
Managing risk, reducing claims and purchasing insurance can be an intimidating task. Proper research and education prepares companies to select specific strategies that make them Best in Class. We have the knowledge and resources to implement the best practices that lead to safety, stability and future growth. How Do You Compare?
An in-depth comparison
When implementing a safety and risk management program, companies want to do more than just compare pricing structures. Horton develops ideas, tools, information and benchmark practices that ensure companies are getting the most for their investment. The Tools To Be Better
Implementing the Action Plan
Analyzing critical areas such as safety, claims advocacy and risk transfer help companies take control of their overall insurance program. M&A / Due Diligence
We strive to be a quiet partner in your success Our Approach
We eliminate the element of surprise
Horton believes in a consultative approach. We strive to thoroughly understand a company’s dynamics and perform a complete risk management audit. Only after this type of diagnosis can we provide thoughtful, solid recommendations that create confidence and comfort. Our Analysis
Accuracy that builds confidence
Data drives our analysis. Horton receives data from both independent sources and directly from the client. Our goal is to establish a self-supporting foundation of information from which we can research and provide solutions. We ensure that all exposures are explained fully and evaluated properly, thus mitigating risk. Our Conclusions
We have you covered!
Our conclusions and recommendations identify critical factors that can have a bearing on the valuation of a company. In many scenarios, it is the difference between a good deal and a deal that could turn unprofitable due to unforeseen liabilities. Human Resource Consulting Services
Managing risk associated with your most valuable resource ... employees Your “Part-Time HR Department”
Forget “do-it-yourself,” It’s easier to outsource
HR management grows more complex every year. As a result, it gets more difficult to focus on your core business when you are trying to master a variety of administrative HR tasks. How do you balance the bottom line with everything you have to do? The answer is you don’t have to do everything yourself. Continue doing what you do best, and outsource the rest! Expert Training Services
Be proactive ... not reactive!
By providing employee and management training in areas such as Workplace Harassment, Workplace Violence, and Business Ethics, Horton can assist companies with risk management. Regularly educating employees is a company’s first line of defense when employee relations issues arise. Customized Solutions
Tailor-made products
Since no two companies were made the same, our dedicated HR professional will work closely with each client to identify problems and deliver solutions relative to their unique concerns. Learning the intricacies of other company’s HR practices, including employee policies and employee relations, is just another “day in the office” for our experienced consultant. Human Resource Consulting
Assess ... Develop ... Implement
Horton’s professional human resources consultants (PHR® and SPHR® certifications) work with organizations to assess, develop, and implement core human resource programs and policies to reduce risks associated with human resource practices liability.
Core Horton HR Services:
- Employee Handbook Review and Revision
- Policy and Procedure Review
- Comprehensive Assessments of HR Program
- Employee Training on various topics, including but not limited to Harassment,
- Workplace Violence, and Ethics
- Management Training
- Job Task Analyses
- Assist with Job Descriptions
- Pre-Employment Strength Testing
- Assist with Employee Relations issues