When the Loss Runs Are the Problem

Frequency and severity

Repeated smaller claims may tell a different story from one severe event. Open claims may create different questions from closed claims.

The goal is not to argue that the history does not matter. The goal is to show that the retailer and employer actually understand it.

What helps

• ▸Currently valued loss runs
• ▸Major-loss narratives
• ▸Open-claim status
• ▸Corrective actions
• ▸Implementation dates
• ▸Return-to-work practices
• ▸Safety ownership
• ▸Post-change evidence where available

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