5 Top Benefits of a Dedicated Construction Loss Prevention Officer
Most carriers take a generalist approach in insurance, training teams to service accounts across various industries. While this way of thinking allows a carrier to service a high volume of clients, it often falls short when needs become complex or nuanced.
The solution is specialization, which leverages deep industry expertise to fully understand clients’ needs, opportunities, and challenges in a specific industry.
Central has invested in growing the right expertise for each of our verticals in recent years. In doing so, we’ve positioned ourselves to better understand the unique challenges different industries face, as well as the solutions and products we have at our disposal to support those who place their trust in us.
In this article, we explore the benefits of construction specialization and how working with a dedicated loss control specialist benefits Central policyholders.
5 Benefits of a Dedicated Construction Loss Prevention Officer
Benefit #1: Access to Enhanced Expertise
Previous construction work experience set the stage for Johnson to build positive partnerships during site visits, creating a deeper level of trust with policyholders.
“When I worked for another carrier, a claims rep referred to an equipment operator as a ‘bulldozer driver’ while speaking with the owner of a construction company. That comment immediately made the customer question the credibility of the carrier he’d placed his business with, says Johnson.
“I’ve been in construction, and I understand their world. I speak the language, and I’m interested in what they’re doing. Connecting on a more meaningful level breaks down barriers and creates a foundation for trust. It also creates a layer of comfort with our agents. When I go out, they know they don’t have to act as a liaison between the client and the carrier.”
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The expertise Johnson brings to his role is a huge asset. His deep understanding of construction positions him to identify policyholder risks and help prevent losses. This keeps employees safer on job sites and reduces money spent on deductibles by preventing losses before they happen.
Benefit #2. An Enriched Customer Experience
Johnson explains filing a claim is often the first point of contact many policyholders have with their carrier, noting that every minute they spend navigating the claims process takes them from focusing on the work that pays their bills. As a loss control specialist, Jim is acutely aware of how valuable time is in the construction industry. His expertise benefits policyholders by helping them identify risks and better protect their employees, ultimately reducing the odds of having to file a claim.
Benefit #3: Stronger Partnerships
The word partnership frequently comes up in conversation with Johnson. He notes that while some carriers may take a more punitive approach to loss control, Central leans into a partnership model.
“I’m not coming in to point out everything someone is doing wrong. I’m there as a partner to help protect their business and people. In my experience, business owners want to do whatever they can to improve and grow their company. We’re in a unique position to help them do exactly that.”
Benefit #4: Prevention of Losses Before They Happen
Within his role at Central, Johnson works closely with current and prospective construction policyholders to evaluate risks and prevent losses before they happen. He views loss control as an opportunity to partner with Central’s construction clients by protecting what matters most: their companies, employees, and livelihoods.
“I like meeting face-to-face with current and prospective policyholders because it allows me to sit down with company owners and listen to their stories. Often, they’re proud of what they’ve built and accomplished, which makes it all the more crucial that we help protect them.”
Benefit #5: Access to Educational Tools
Johnson envisions a future where digital loss control training is available to Central’s construction clients.
“Owners have to make payroll, even if they have a snowy cold snap that makes it impossible for their team to work outdoors. I’d like to help them make better use of that downtime by having their crews earn CEs or OSHA certification through virtual loss control training.”
The Central Difference
Johnson concludes by noting that his role—and Central’s shift toward dedicated construction resources—reflect a commitment to strong relationships.
“Ultimately, we all want to do business with people we like and trust. Our goal is to grow those relationships by adding value however we can. Whether we’re helping prevent losses from occurring or answering the phone on the worst day of someone’s life, our job is to be there for those who trust us with their company and livelihood.”
With a specialized understanding of construction-specific risks and proactive loss prevention strategies, working with a dedicated loss control construction specialist offers many benefits. By leveraging internal expertise and resources, Central helps our policyholders confidently navigate the complexities of risk management with confidence, ensuring their assets, projects, and employees are well protected.
Learn More
Click here to learn more about Johnson’s background and loss control philosophy.
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