It’s request-for-proposal time again for workers’ compensation and property & casualty claims administration. What should you do? Should you regurgitate the past proposal questions? Should you just re-sign with your TPA? It’s time to decide what is best and what may be counterproductive for your RFP development.

Some public entities may not have any or enough loss control (LC) experts to help them eliminate or reduce the losses that arise from unsafe acts and conditions. The public entity leaders may believe that they cannot afford an LC expert, even though the costs of incidents that lead to claims against the public entity are usually many times the cost of an in-house or contract LC expert. 

You are now assigned safety and risk management duties for your organization. Now what? Where do you start? Fundamentally, the past is one of the best indicators of the future. Therefore, it is best to get a snapshot of what the lack of safety and ineffective risk management has produced in the form of losses or claims. For risk control plan building purposes, it is recommended to review and analyze claims data from a minimum of 48 months from the most current data. In this context, analyze means to determine which categories of claims are the most frequent and/or severe.