Managing Risk


FHM is your safety partner. We strive to provide you with all the information you need to establish and maintain an effective workers’ compensation program, protect your employees, and keep your policy premiums low.

Making this a reality takes a company-wide commitment to professional programs that reduce accident exposure, educate workers, provide incentives for employees to always put safety first, provide access to quality medical care when accidents do occur and returns productive employees to work sooner.

FHM has developed a comprehensive approach for policyholders to create and maintain a safe workplace. We call this program Risk Management. Organizations that make risk management practices a part of their planning, management, and culture are more likely to succeed in preventing accidents and keeping costs low.

The FHM Risk Management Program is a 10-Step Plan for Safety with the goal of helping your company develop a culture where all members of the organization play a part in workplace safety. Please download FHM’s “Managing Risk – A 10-Step Comprehensive Guide to Creating a Safe Workplace and Managing Workers’ Compensation Claims” and use as a framework for your organization’s safety program.

Managing the hazards of your operation requires all employees to understand the value placed on safety by the organization’s leadership, and their individual responsibilities towards safety.

Integrating our 10-Step Plan into the way you do business, will cultivate an improved safety culture into your workplace and identify safety as a core organizational value:

  1. Promote your safety program with visibly active senior management.
  2. Establish and document safe working practices and procedures for your workplace.
  3. Communicate safety information and the safe working practices and procedures to all employees regularly.
  4. Facilitate dialogue on safety matters between management and employees by creating a safety committee which gives employees at all levels the opportunity to participate in the safety process. Recognize employees for integrating safety into operations and making the right decisions.
  5. Develop an effective working relationship with network medical providers and establish a Return-To-Work Program specific to your needs, including a list of possible transitional tasks for jobs in your company.
  6. Provide safety orientation, job-specific and refresher safety training. Special attention should be given to the causes for the most frequent or severe injuries which include manual lifting, vehicular accidents, falls and cuts.
  7. Keep good records, assess why accidents occur and what specific systems or processes need to be changed and how they were changed to prevent future accidents.
  8. Initiate a Post-Injury Drug Testing Program or become a state-certified Drug-Free Workplace.
  9. Investigate all accidents, no matter how small.
  10. Introduce thorough and consistent screening into your hiring process.


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