Loss Control and Prevention Services
With the day-to-day demands of running your small business, having a plan for dealing with things like fires, electrical surges, burglary, vehicle crashes, lawsuits or injuries can make all the difference. We're here to connect you with the right tools to help you identify and prevent some of the most common causes of business losses, which may help save your business time and money.
Responding to the Impacts of COVID-19 on Your Business
As states gradually begin reopening, State Farm has compiled COVID-19 guidance and resources from several government and industry organizations to help small businesses adapt to the challenges of serving customers in new ways.
Emergency Planning for Disasters, Severe-Seasonal Weather, and Recovery
Prepare your business today to help survive a natural disaster, severe weather, or catastrophic loss.
Can't Find What You Need?
If you are interested in learning more about these free resources, or would like to request free loss control services for your State Farm® insured business, please contact our Business Lines Loss Control unit toll free at 844-892-8286 (844) 892-8286, or email us.
Business Auto & Fleet Loss Control
Reducing Losses for your Business Vehicles & Fleet Guide
Businesses with an auto exposure can take steps to control their losses. Whether your business has an entire fleet of vehicles or you have employees who occasionally use their own cars for work, management of this aspect of your business can cut down on losses and keep your employees safer. This guide can help you develop a loss control program specifically for your autos.
Download the Reducing Losses for your Business Vehicles & Fleet Guide
Below are common resources that can be used in your Auto loss control activities:
Sample Auto Loss Control Policy Statements
These sample core policies can help you build the foundation for your Auto Loss Control Program.
Download the Sample Auto Loss Control Policy Statements
Sample Driver's Rules Agreement
Establishing a contract with all employee drivers is critical to building awareness and understanding of your expectations regarding driver performance.
Download the Sample Driver's Rules Agreement
Accident Report Guide
Keep a copy of this Accident Report Guide in each of your vehicle's glove box, for easy reference in the event of a crash. Obtaining as much information as possible about the crash - facts, conditions, vehicles, drivers, and injuries - may help your claims adjuster and you determine the root cause of the crash. Having this information may also help you coach an employee driver about ways to prevent a future crash.
Download the Accident Report Guide*
(*This report is also available in Spanish, Chinese, Korean, and Vietnamese by request. Please contact our Business Lines Loss Control unit toll-free at 844-892-8286 (844) 892-8286, or email us).
Sample Vehicle Incident Investigation Report
If a crash occurs, this Vehicle Incident Investigation Report can be used to document the details right away.
Download the Sample Vehicle Incident Investigation Report
Sample Post-Incident Driver Coaching Modules
A post-incident coaching session is an effective way for a manager to follow up with an employee who has been involved in an at-fault crash to help the driver avoid future incidents.
Download the Sample Post-Incident Driver Coaching Modules
Other Available Resources
Below are some common auto crash prevention and vehicle safety tips. These can be used to educate owners and managers on how to coach drivers on safe driving behavior, and can also be used as safety meeting discussion topics with drivers.
- Defensive Driving
- Driving Distractions
- Driving & Using Cell Phones
- Driving & Merging Collision Prevention
- Aggressive Driving
- Driving & Tailgating
- Driving Safety
- Vehicle Backing Safety
- Vehicle Safety Checklist
- Avoiding Roadway Crashes
- Driving in Construction Zones
State Farm is a board member of the Network of Employers for Traffic Safety (NETS), an employer-led public/private partnership dedicated to improving the safety and health of employees, their families, and members of the communities in which they live and work by preventing traffic crashes that occur both on- and off-the-job. NETS was founded by the National Highway Traffic Safety Administration (NHTSA) as an employer-led road safety organization.
In addition to member-only benefits and road safety resources, NETS has several other free additional resources on their website, including:
- Drive Safely Work Week Campaign toolkit on Backing and Parking
- Drive Safely Work Week Archive Campaign toolkit on Distracted Driving
- Recommended Road Safety Practices
- Comprehensive Guide to Road Safety
For more information about NETS, including membership benefits, check out the NETS website.
Simple Insights® by State Farm
Take advantage of what we've learned through the years in Simple Insights.
Driving Distractions and How to Avoid Them
Texting is one of the most dangerous driving distractions, but here are 7 others.
Defensive Driving Tips
Defensive driving tips can help drivers take on the road safely.
Ways To Make Your Traffic Merging Safer
For safer merging, you should never assume other motorists will make room for you. Read these tips from State Farm to help prevent merging collisions.
Avoid These Risks or You May Fall Asleep at the Wheel
Drowsy driving can impair reflexes and lead to disaster. Try these tips to stay alert.
Workers' Compensation Loss Control
How to Reduce Business Loss and Protect Your Employees Guide
This comprehensive guide can help you develop a loss control and employee safety program for your business.
Download the How to Reduce Business Loss and Protect Your Employee Guide.
Protecting Your Business Guide
In addition to your efforts in preventing employee injuries, learn how to protect your business from other common loss causes like workplace injuries, water, fire, crime, disaster and more.
Download the Protecting Your Business Guide
Below are common resources that can be used in your workers' compensation loss control activities:
Sample Property Hazards Checklist
Use this checklist to periodically check your property or place of business for potential hazards and unsafe conditions that may need attention.
Download the Sample Property Hazards Checklist
Sample Incident Investigation Report
If an accident or injury occurs, this Incident Investigation Report can be used to document the details right away.
Download the Sample Incident Investigation Report
Other Available Resources From Your State
In addition to resources available from State Farm, several state agencies offer free loss control and accident prevention services to employers in their state. To help make them easy to find, we've connected state-specific resources here. Only states with agencies offering free resources are listed.
Choose your State
Simple Insights by State Farm
Take advantage of what we've learned through the years in Simple Insights.
How to Prevent Slip and Fall Accidents on Your Property
What owners can do to prevent slips, trips, and falls, and what to do if they happen.
Simple Tips to Help Prevent Carpal Tunnel and Other Repetitive Strain Injuries at the Office
Tips to help prevent repetitive strain injuries
Simple Tips to Relieve Stress at Work
Work is a source of stress for many, so consider these methods for fending it off.
When Should I Use My Safety Glasses?
They may not necessarily be stylish, but safety glasses can be a real lifesaver. Pick out the right pair to keep your eyes safe.
Property & Casualty Loss Control
Protecting Your Business Guide
Learn how to protect your business from common loss causes like workplace injuries, water, fire, crime, disaster and more.
Download the Protecting Your Business Guide
How to Reduce Business Loss and Protect Your Employees Guide
This comprehensive guide can help you develop a loss control and safety program for your business.
Download the How to Reduce Business Loss and Protect Your Employees Guide
How to Protect Your Residential Property Guide
Learn how to control losses for apartments, condominiums, cooperatives, homeowners associations and other multi-family housing.
Download the How to Protect Your Residential Property Guide
Below are common resources that can be used in your Property and Casualty loss control activities:
Sample Property Hazards Checklist
Use this checklist to periodically check your property or place of business for potential hazards and unsafe conditions that may need attention.
Download the Sample Property Hazards Checklist
Sample Incident Investigation Report
If an accident or injury occurs, this Incident Investigation Report can be used to document the details right away.
Download the Sample Incident Investigation Report
Miscellaneous Information
Add local contact information to this Miscellaneous Information form to help you or your employees respond to injuries or incidents.
Simple Insights by State Farm
Take advantage of what we've learned through the years in Simple Insights.
Business Fire Prevention Tips
As a business owner, planning for fire protection, prevention and risk assessment can help reduce your chance of fire and smoke damage. Check out these tips.
Tips to Prevent Water Leakage at Your Business
Prevent water damage in the workplace by checking on appliances and installing leak detection systems. Find out more ways here.
Protect Your Business From Burglary
A few steps designed to help prevent business burglary can go a long way toward protecting your business, its equipment and your investment.
Tips To Prevent Employee Theft
Employee theft can come in many different shapes and sizes. In the modern workplace, business owners are wise to have controls in place.
Artisan & Service Contractor’s Loss Control
Artisan & Service Contractor's Loss Control Guide
This guide can help you develop a loss control program for your contracting business.
Download the Artisan & Service Contractor's Loss Control Guide
Below are common resources that can be used in your Artisan & Service Contractor loss control activities:
Sample Contractor Loss Control Program Outline
These core components can assist in building your new loss control program.
Download the Sample Contractor Loss Control Program Outline
Sample Job Completion Checklist
Use this sample checklist to develop a process to review the work area setup and completed work. This will help to ensure all work has been completed to the quality and safety expectations of both you and your customers.
Download the Sample Job Completion Checklist
Sample Incident Investigation Report
If an accident or injury occurs, including damage to your customer’s property, this Incident Investigation Report can be used to document the details right away.
Simple Insights by State Farm
Take advantage of what we've learned through the years in Simple Insights.
How To Use Your Hand Tools More Safely
Keep your hand tools from becoming a hazard by following these simple safety tips.
Protect Your Business From Burglary
A few steps designed to help prevent business burglary can go a long way toward protecting your business, its equipment and your investment.
Time to Break These Bad Driving Habits
Avoid dangerous driving situations with these tips.
What Are Types of Small Businesses?
What is an LLC, a sole proprietorship, and other small business types - and which one is best for you?
Farm Ranch Loss Control
How to Protect Your Farm and Ranch Guide
Learn how to protect your farm from common loss causes such as injuries, water, fire, crime, disaster and more.
Download the How to Protect Your Farm and Ranch Guide
Below are common resources that can be used in Farm Ranch loss control activities:
Sample Property Hazards Checklist
Use this checklist to periodically check your farm or ranch property for potential hazards and unsafe conditions that may need attention.
Download the Sample Farm Ranch Hazards Checklist
Sample Incident Investigation Report
If an accident or injury occurs, this Incident Investigation Report can be used to document the details right away.
Download the Sample Farm Ranch Incident Investigation Report
Miscellaneous Information
Add local contact information to this Miscellaneous Information form to help you or your employees respond to injuries or incidents.
Download the Farm and Ranch Miscellaneous Information Form
Other Available Resources
Below are additional resources to assist with common farm safety topics.
Simple Insights by State Farm
Take advantage of what we've learned through the years in Simple Insights.
Ideas on How To Prevent Pipes From Freezing
Frozen pipes can cause significant water damage in your home. State Farm discusses ways of preventing frozen pipes, and how to deal with burst pipes.
How to Safely Clear Snow Off Your Roof Using the Right Tools
Too much snow on your roof can cause structural damage. Ice dams can form and also puts excess weight on your roof. Learn when and how to clear it safely.
Space Heater and Wood Stove Safety
Space heaters and wood stoves are great for warming up chilly rooms. Follow these tips for buying, and then safely using, these type of heaters.
Wildfire Guide: What To Do Before a Wildfire
Tips to help you assess your risk and identify ways to help protect your home and family.
Safety Resource Library
State Farm® is working with Safety BLR to support your efforts in improving workplace safety. BLR's Training & Compliance website contains hundreds of customizable and downloadable resources and tools to help business owners with safety training and compliance.1 As a business owner with a current State Farm policy, you are eligible for free access to these resources.
If you are interested in learning more, please contact our Business Lines Loss Control unit toll-free at 844-892-8286 (844) 892-8286, or email us.
Disclosure
1 Products and services offered are offered by BLR. State Farm does not warrant the merchantability, fitness, or quality of the products and services offered by BLR.
The information provided herein was obtained through various sources. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under any policy. State Farm makes no guarantees of results from use of this information. We assume no liability in connection with the information nor the suggestions made.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
NETS and the NETS logo are registered trademarks of Nets Corporation.