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.
Why does my business need a Loss Control plan?
State Farm® can help you protect your business from the variety of hazards you face.
Learn more how State Farm can partner with you to create and implement a Loss Control plan
Reduce common losses in your business
Your business is exposed to many hazards that can cause disruptions.
Emergency planning for disasters, severe-seasonal weather, and recovery
Prepare your business today to help survive a natural disaster, severe weather, or catastrophic loss.
Learn more about disaster preparedness and business continuity
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 844-892-8286844-892-8286, 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.
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.
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.
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.
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
- Managing Fatigue
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.
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.
Sample incident investigation report
If an accident or injury occurs, this Incident Investigation Report can be used to document the details right away.
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.
Find an agent
Or call 844-242-1899844-242-1899 for a quote.
Simple Insights by State Farm
Take advantage of what we've learned through the years in Simple Insights.
Prevent Slip and Fall Accidents at Your Business
Decrease the chances of slips, trips and falls at your business with proper maintenance and safety procedures.
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.
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.
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.
Sample incident investigation report
If an accident or injury occurs, this Incident Investigation Report can be used to document the details right away.
Miscellaneous information
Add local contact information to this Miscellaneous Information form to help you or your employees respond to injuries or incidents.
Download the Miscellaneous Information Form
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.
How to Protect Your Business From Burglary and Robbery
Burglary is often a crime of opportunity and robbery is terrifying. Incorporate these burglary and robbery prevention tips and more to help protect your business.
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.
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.
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 Hand Tools More Safely
Simple safety tips to help you choose and use your hand tools before you start your next DIY project and how to maintain them and protect yourself and others.
Smart Steps to Ladder Safety
Do you know the right ladder height for the job? Learn how to use a ladder safely.
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.
Protect your farm or ranch from wildfire threats1
In Arizona, California, Colorado, Oregon and Washington, Wildfire Defense Systems, Inc. will help protect your property on behalf of State Farm – at no additional cost to you – if a wildfire puts your farm or ranch in harm’s way.
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.
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.
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.
Safely Clear Snow Off Roof Using the Right Tools
Snow on your roof can cause ice dams that result in structural damage. 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.2 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 If you are interested in learning more, please contact our Business Lines Loss Control unit toll-free at 844-892-8286844-892-8286 or email us.
Disclosure:
1 Available to State Farm homeowners and farm policyholders and subject to policy terms and conditions. This is not a guarantee that services will be dispatched or that damage from wildfires will be prevented or reduced.
2 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.