LOSS CONTROL CONSULTANTS
| Director of Loss Control | Asst. Director of Loss Control | Loss Control Executive Assistant |
| Michael G. Fann, ARM-P Phone: 1-800-624-9698 Fax: 615-377-3067 |
George Dalton Phone: 1-800-624-9698 Fax: 615-377-3067 |
Lottie Scobee Phone: 1-800-624-9698 Fax: 615-377-3067 |
| East | Middle | West | East | West |
| Judy J. Housley, ARM Phone: 865-693-6745 Fax: 865-693-6742 |
Chester Darden Phone: 1-800-624-9698 Fax: 615-377-3067 |
Paul Chambliss, J.D. Phone: 731-660-8592 Fax: 631-660-8993 |
Bill Magoon Phone: 423-667-3453 Fax: 423-305-1368 |
Andy Lacewell Phone: 731-660-8592 Fax: 731-660-8993 |
CONTROLLING LOSSES IS PRIMARY FOCUS
When the TML Pool was organized in late 1979, the Board of Directors was vocal in making a strong commitment to risk management, not simply providing an insurance product. Because of this commitment, the Board decided to hire a full time loss control staff rather than contract through a third party for this valuable service.
In 1984, the name of the TML Insurance Pool was changed to the TML Risk Management Pool as loss control efforts and services are a fundamental part of the comprehensive program to reduce risk, and to minimize or eliminate losses.
A successful loss control program is a combination of elements - loss education, reduction, and prevention. Loss education teaches the common sense approach to safety and liability management and the need to recognize exposures that may be created by actions taken. Loss prevention is the action or policy directed at preventing an accident or injury from occurring. Loss reduction, on the other hand, is the action taken to reduce the severity of a loss should an accident or injury occur. Most losses can be prevented or at least minimized with the implementation of a strong loss control program. Not only do strong commitments to loss control save insurance dollars, they help each member better protect the safety and welfare of its employees and citizens.
The TML Pool Loss Control program, developed specifically for Tennessee municipalities, includes regular on-site exposure surveys with written findings and recommendations. The information gained from these surveys then becomes an important part of the underwriting process. The loss control staff provides the underwriter with accurate and current information about the exposures and operations of each Pool member. Members that refuse to respond to surveys or to implement minimum recommendations can have coverage cancelled. Since the Pool is a partnership of shared risks, unresponsive, poor risk entities cannot be allowed to drain the Pool of needed resources.
Loss control services and activities include regional and on-site workshops and training programs, reference manuals, special bulletins, and an audiovisual library for use by municipalities. Loss control training programs can be designed for a specific group of employees (supervisors, police officers, maintenance personnel, etc.) or for a specific topic (back injuries, trenching safety, police liability, etc.).
The Pool's DVD DVD Training Library contains over 222 DVDs designed to assist Pool members with their risk education programs. Topics cover a wide variety of employee safety and liability loss control subjects such as back injury prevention, driver safety, police liability, civil rights awareness, etc. DVDs may be reserved for training sessions at no additional charge to Pool members.
The department also administers two matching grant programs for Pool members. Both these annual programs provide a 50:50 matching grants (subject to predetermined maximums) to members with workers compensation coverage. The Safety Partners grant is mailed out the last week of June each year and is for safety items, such as police body armor, respirators, cones, PPE, etc. The Drivers Safety grant is mailed in September and is for members with auto liability coverage."
Whether establishing a new loss control program or evaluating the effectiveness of an established program, the loss control program offered by the TML Pool can help you in your efforts to control all types of losses.