CMIC prides itself on a tradition of providing excellent insurance products delivered with unparalleled service to the agribusiness industry. But in today’s business environment, we believe your insurance company must do more than write a policy and settle claims. You need a partner that can help you thrive in the midst of complex regulations and expanding risks.

Our team of consultants will assist you in understanding and achieving regulatory compliance. We will help you evaluate existing and potential risk, providing specific recommendations to help you diminish that risk and control your losses. Our overall goal is to help you better protect your people and property, ultimately increasing your opportunity for profit.

Providing solutions with innovative products and superior service: that has been CMIC’s commitment to our policyholder/owners since the beginning. Our Loss Control Services are just one more indication that Cooperative Mutual Insurance Company is more than just an insurance company. We are your partner.

Our Loss Control staff is readily available to provide the following services to assist our customers in preventing and controlling losses:

Risk Surveys/Analysis
Newsletter and Web Site
Agronomy
Propane
Transportation
Regulatory Compliance/Safety Training


Risk Surveys/Analysis
At CMIC, we know agribusiness. We also understand that your loss control needs are unique to your specific company, and must be designed with each location and enterprise in mind. We do not take a cookie-cutter approach to the safety of your employees or property.

CMIC Risk Consultants build a relationship with each policyholder we serve. We utilize our experience, knowledge, and analytical tools to evaluate your current hazards and previous losses. We then help you develop an effective plan, customizing it to minimize your risks and better control your losses. Our Loss Control Program includes a comprehensive set of services.

• Walk-on Survey – We come to your business annually and conduct a walk-on survey of your premises and operations to better understand your business, become familiar with your current safety and compliance programs, and identify any hazards.
• Analyzing Loss Trend Data – Your CMIC Risk Consultant is trained to review your company’s insurance loss history, analyzing and evaluating the data to determine your specific loss trends.
• Historical Loss Graphing – We can translate your historical loss numbers into graphs, providing a telling snapshot of which areas of your business are experiencing what types of claims.
• Customized Loss Control Plan – With data, analysis, and observation in hand, your Risk Consultant will sit down with you to review the information and recommend specific actions that can help minimize your risk and losses.

Newsletter and Web Site
At CMIC, we value effective communication with our policyholders. Our professional newsletter and well-designed web site are resources that help you better manage risk, as well as simplify doing business with CMIC.

The Partner
Four times a year, CMIC’s high quality newsletter, The Partner, reaches our policyholders with safety and regulatory news and information that you can put into practice at your business. Written by our Risk Consultant Team and other specialists in the field, The Partner highlights actual cases where safety made a difference, offers seasoned advice on how to effectively reduce hazards and minimize risk, and provides important updates on new and changing regulations.

www.coopmutual.com
The CMIC web site is specifically designed with your need for information and desire for convenience in mind. Easy to navigate, you can access and print out workers’ compensation claim forms for any of the states we serve. When it comes time to fill out inventory reports or loss claims, you can do it online. You can review our extensive Safety Media Library and order your choice of videos or DVDs online, or link to federal and state regulatory departments and agencies. Also find news relevant to your business, read previous issues of The Partner, or contact us by going to www.coopmutual.com. It’s as easy as a click of the mouse.



Agronomy
Agronomy is the life-blood of many of the policyholders we serve. In this fast-changing industry, it is imperative you partner with a team that understands the agronomy business and can deliver services tailored to your needs.

Our agronomy specialist has years of experience and stays current on issues that can impact your bottom line, assisting you in implementing an effective loss prevention program to keep your employees safe and protect both your customers’ crops and your interests.

• On-site Training – Our agronomist will come on-site and present an instructional program to your agronomy staff, using examples and photographs of actual claims. This presentation encompasses safety and liability concerns for a broad range of issues including anhydrous ammonia, custom application, seed sales, and operation of your agronomy facility and equipment.
• Continuing Education – CMIC provides Continuing Education Units (CEU) in some states for recertification of custom applicator licenses.
• Consultation – Our CMIC agronomist is available to consult on agronomy-specific issues.
• Network of Specialists – CMIC utilizes a network of experienced agronomists around the region who provide services including claim investigation, expert witness testimony at trial, training assistance, and advice.

Propane
CMIC’s experience in propane gas safety is highly regarded among industry specialists. Our Risk Consultants have extensive knowledge in delivery procedures, residential and commercial installations, best industry safety practices, and inspections and repairs.

• Policy and Procedure Development – We can provide you with a template to follow, or assist you in developing customized policy and procedures specific to your needs.
• Regulatory/Safety Issues - When you have a question or concern involving propane issues at your business, our Propane Specialist is as near as a phone call or an e-mail. We provide consultation on regulation compliance, safety standards, and share best industry safety practices.
• On-site Presentations – CMIC will bring our experience right to your employees. Our on-site presentations can be tailored to your needs, including topics like propane policy requirements, how to conduct visual inspection of propane tanks, or reinforcing best industry safety practices.
• Delivery Driver Refresher Training – Our Propane Specialist can provide your delivery drivers with their three-year refresher training.
• Customer Maintenance Tracking Program – Propane safety and regulatory compliance becomes easier with our Customer Maintenance Tracking Program. The CMIC computer program allows you to track each propane customer, including their address, tank location, and type and date of maintenance procedures performed. The program will also prompt you when it’s time to replace customers’ out-dated regulators.
• Assist With Duty to Warn Program – A key issue in propane litigation cases is the amount and type of safety information a customer received from the supplier prior to an incident. CMIC can advise you as to what types of information should be included in your Duty to Warn Program, including new customer information, annual mailings, commercial customers, and how best to document your program.
• Regulatory Updates – When it comes to the propane business, it’s difficult to stay on top of changing and new regulations. CMIC’s Risk Consultants are constantly in touch with regulatory agencies, at both the state and national levels. They will keep you apprised of information you need to know through our annual on-site reviews, in our quarterly newsletter, The Partner, and on the CMIC web site.
• Propane Operations Survey – During our annual on-site survey, we take the time to visit your propane operations. Our Risk Consultants are trained to see possible safety hazards or non-compliance issues that put your customers, employees, or business at greater risk. We can then assist you in finding ways to resolve the issue and minimize your risk.

Transportation
CMIC’s Transportation Specialist, through years of experience working with large and small transportation companies, has developed comprehensive transportation-specific programs that will better ensure that your commercial vehicle programs meet the current federal, state, and local standards. We will work with your transportation operations management and drivers to help you develop a transportation program that meets both federal and state specific requirements.

• Driver Qualification File Setup Assistance and Review – CMIC’s Risk Consultants can assist you with the proper setup and review of the required Department of Transportation (DOT) Driver Qualification files, ensuring that your company is using and maintaining the proper forms and documentation. CMIC can provide you with the DOT-specified forms and applications, including the required annual Motor Vehicle Reports, at no charge, for all of your qualified drivers.
• Mock DOT Compliance Review and Reports – To help prepare you for a DOT Compliance Review, CMIC’s Transportation Specialist will come on-site and perform a comprehensive review of your driver and vehicle records, company policies and procedures as they relate to DOT-regulated personnel, operations, and vehicles. We will assist you in writing policies that cover a range of transportation issues including hiring of drivers, drug and alcohol testing, passenger, load securement, hours of service, and vehicle maintenance.
• Sample Vehicle Accident Review Policy – CMIC will provide you a sample policy that can be utilized as a guide in establishing the steps to be taken in ensuring the correct information is properly recorded, documented, and filed in the case of a vehicle accident. We will walk you and your drivers through the six steps drivers should follow at the scene of an accident.
• Licensing and Registration Assistance – CMIC’s Transportation Specialist can assist you in making contact with the correct state and federal agencies and help you with the filing of proper forms. We will work with you to ensure that you have the proper permits and licenses to meet your vehicle operations’ needs.
• Motor Vehicle Report Program – Customers who insure vehicles with CMIC will receive, at no charge, copies of employment-related Motor Vehicle Reports necessary to meet DOT requirements. CMIC will connect you with one of the nation’s leading state Motor Vehicle Records (MVR) agencies so you can request MVRs when you need them.
• Management and Driver Training – Our Transportation Specialist will come to your chosen location and perform training for your management personnel and drivers on transportation-related topics, including:
  • Safe Driving Practices for commercial vehicle operators and non-commercial drivers
  • Defensive driving
  • Three-year Hazardous Materials refresher modules (except function-specific training) as required in 49 CFR part 172
  • Management’s and 0perations’ personnel responsibilities and duties
  • Commercial vehicle inspections, maintenance, and documentation

Regulatory Compliance/Safety Training
Today’s management can feel overwhelmed with the demands of regulatory agencies and the challenge of implementing an effective safety training program. CMIC Risk Consultants can assist you in evaluating your specific needs, and keep you on track
with a number of tools and resources.

• Regulatory Compliance Assistance – The importance of developing and maintaining an effective regulatory compliance program has never been more critical. We will work with you to evaluate your compliance needs, design and implement an effective regulatory compliance program, and conduct reviews to detect possible flaws and weaknesses in the compliance function.
• Emergency Action Plans/Visitors' Log – We can provide templates for Emergency Action Plans and Visitors’ Logs that can be tailored to your company and its individual locations.
• Safety and Compliance Programs Manual – Select from more than 50 written OSHA safety and compliance programs. An easy-to-use directory allows you to choose, modify, and print the programs that best fit your business. Each program includes an extensive collection of report and inspection forms for documentation, training materials, employee handouts, PowerPoint® presentations, and other educational resources that will make employee training and documentation a snap.
• Safety Lessons – Meeting the statutory obligations of employee safety training is a critical component of regulatory compliance. CMIC has developed Safety Lessons, a training resource in a quick and convenient format, focused on helping your employees understand and maintain compliance. The program is comprehensive, including integrated employee quizzes, PowerPoint presentations, and presenter outlines. Choose from more than 70 topics, including hard-to-find topics such as Boiler Safety.
• Safety Media Library – Safety DVDs and videos are great tools for meeting the training requirements prescribed by OSHA. You have free access to our extensive Safety Media Library, and the convenience of ordering online at www.coopmutual.com, or by calling 800-642-8572. Our library includes safety training and awareness materials that can provide safety solutions for your workplace. Safety manuals, guides, and tests are also available for some videos.
• PowerPoint® Library – Our PowerPoint Library is extensive and constantly growing. Presentations cover a wide variety of topics including: employee and management training in OSHA compliance; developing and maintaining effective safety committees; and the importance of developing a strong safety culture. PowerPoint presentations can be modified to fit your specific needs. If we do not have what you need, we can assist you in developing a presentation.
• Safety Training Assistance – Well- trained employees are the key to your loss control success. CMIC can provide personalized employee training assistance in a variety of topics, including OSHA compliance, DOT employee safety awareness and compliance assistance, and propane safety and compliance. Our vast knowledge and experience in these areas can help you develop a safety training program that can help motivate your employees and equip them with necessary information and skills.
• Safety Committee Assistance – Safety committees are an integral component in workplace safety. An effective safety committee will represent all facets of your organization, provide a central mechanism for evaluating safety issues and coordinating safety training, and serve as a sounding board for safety/health concerns and suggestions. CMIC is experienced in providing assistance, whether in organizing or energizing your safety committee, understanding and meeting state-required safety committee obligations, or dealing with other complicated safety committee issues.
  State and federal laws control and impact any information provided and they cannot cover every possible circumstance, and federal law and state law can and do change from time to time. Information provided is not intended to be a substitute for good legal advice from an attorney or other advisor, where required.

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