---
title: Instill a Safety First Mentality to Navigate the Hard Market
description: Implementing a safety-first mentality is key for employee safety and minimizing claims. Learn how a safety plan can help you in this Hard Market.
image: https://blog.tsibinc.com/hubfs/shutterstock_1130250899.png
---
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{id=28145656430, name=Safety, slug=safety}
# Knowledge Corner
March 30, 2021
## Instill a Safety First Mentality to Navigate the Hard Market
- [Tweet](https://twitter.com/share)
As your company’s insurance premiums start to renew, it’s important to understand that price increases are occurring because of the Insurance Hard Market. A variety of coverages are affected by this including General Liability, Excess Liability, and Builder’s Risk.
One way to [combat these Hard Market increases](https://blog.tsibinc.com/tools-to-combat-the-hard-market) is to work with your Broker to show your company’s safety program. It’s vital to document all of your protocols in a Safety Manual, which should emphasize that safety is more important than anything else including costs, timelines, schedules, etc. If your company currently doesn’t have a “safety first” mentality, it’s important that you start implementing that as soon as possible.
The reason it’s crucial to have a “safety first” mentality is because it shows that your company is concerned with the safety of every employee. Some signs of a good safety culture include:
- Constant Communication
- Daily Job Site Inspections
- Safety Committee
- Reward Workers
When you have a good safety program, your company will most likely have less claims and a [lower EMR](https://blog.tsibinc.com/how-to-lower-your-workers-comp-premium). However, if you do have claims, it’s important to close them out as soon as possible as they affect your [experience rating](https://www.irmi.com/term/insurance-definitions/experience-rating).
If you have any questions about how to instill a “safety first” mentality [reach out to TSIB today](https://tsibinc.com/contact-us/)!
For additional information, download our Hard Market Roadmap below to learn what additional strategies you can implement to help your company navigate the Hard Market:
[](https://cta-redirect.hubspot.com/cta/redirect/3391365/bb3975c8-c0e5-407c-8420-73a03e3ec467)
Our Risk Consultants are currently servicing the following locations:
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**California:** Orange County, Los Angeles County, Riverside County, San Bernardino County, San Diego County
Image credit: Aunging/shutterstock.com
Topics: [Safety](https://blog.tsibinc.com/topic/safety), [Hard Market](https://blog.tsibinc.com/topic/hard-market), [Construction Trends](https://blog.tsibinc.com/topic/construction-trends)
Written by [The TSIB Team](https://blog.tsibinc.com/author/the-tsib-team)
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