Workers compensation surveys
Workers compensation surveys look at how people get hurt at work. The matching LCA course is Workers' Comp.
Workers compensation surveys are a commercial product with a different question. The underwriter wants to know how employees get hurt. You watch the operation, the housekeeping, the machine guards, the driving, and the contractor labor the order names.
On USA these often sit under Loss Control - Commercial with a workers compensation specialty. A few listings are their own occupation.
This is still a site visit and a report. It is not a premium audit, which checks payroll and class codes after the term. It is not a property package survey, which spends its time on construction, occupancy, and protection. You may walk the same building. You write a different file.
Who hires
Carriers and managing general agents buy workers compensation surveys from inspection firms. Those firms hire contractors and some employees. The public Underwriter Services Association feed is the board this site reads. Open the listing and read the specialty line. A commercial package card is not a workers compensation card unless it says so.
Pay for contractors is usually per completed report. Employee roles may be salary or hourly. This site does not publish fee tables. A shop with one process and a contractor-heavy job site are not the same order.
Some listings ask for a safety background. Some do not. There is no national OSHA card that this site can name as a requirement for every workers compensation survey. Read the posting in front of you.
What you look at
The building still matters. Operations drive the report. You want to see how people do the work, what can injure them, and what controls are actually in use.
Housekeeping, machine guards, lift devices, chemicals, driving, and contractor labor show up on a lot of these forms. So do training records, accident history, and the way new people get shown the job, when the order asks for them. A clean lobby does not answer those questions. The floor does.
If the insured uses contractors, the order will often ask how that labor is managed. If people drive for work, the order will often ask about vehicles and records. If the process can catch a hand or a sleeve, the order will ask about guards. Follow the form. Do not write a property narrative and stop.
Restaurants, contractors, manufacturers, and healthcare accounts all appear on commercial feeds. The injury picture is different in each one. The form is how you stay on the product.
What a visit looks like
The order names the insured, the address, the product, and the due date. You set the appointment with someone who can walk the operation, not only someone who can open the office.
Start with a short sit-down. Ask how many people work there, what they do, who else is on site, and how the day runs. Then walk the work. Watch a process if you can do it without putting yourself in the way. Photograph the conditions the scope listed. Note guards that are in place and guards that are not. Note housekeeping, storage, and the paths people actually use.
Ask about driving, off-site work, and contractors if the form does. Ask about training and accident records if the form does. Write what you were shown and what you were told. If those two stories disagree, write both.
You do not run an enforcement inspection. You do not issue a citation. You record the operation for the carrier. If an area is unsafe to enter, stop and follow the firm’s refusal rules.
Time on site follows the operation. A small office with a warehouse in back is not a plant. Use the order, not a generic clock.
What gets reported
The workers compensation report stays on people and process. Photos of the work, notes on exposures, and the controls you saw. Building facts belong where they affect injury, not as a leftover COPE survey.
Submit in the firm’s app before the due date. Match pictures to notes. If you did not see a process, do not describe it as if you had.
The underwriter uses the file to understand workplace injury risk. They do not need a roof-age paragraph unless the order asked for a combined product.
Pay and schedule
Contractor workers compensation work is appointment, drive, walk, and write. The write-up can be as long as a commercial package report. You set the calendar on most contractor cards and you owe the due date.
A territory that only buys this specialty will keep you on operations visits. A mixed commercial book will bounce you between package surveys and workers compensation. That is two courses and two forms.
Employee loss control roles can include workers compensation as one of the products in a territory. Read the listing.
How to get ready
Take Workers’ Comp at Loss Control Academy. If you also write package surveys, add Commercial Risk Control .
The course teaches the product. The first live orders teach the firm’s portal and the local operations you will actually see. After you can finish a survey, join the inspector talent pool .
Open the jobs hub and filter into commercial listings that name workers compensation in the specialty. See Commercial loss control surveys for the building-and-occupancy visit, and Premium audit field work if the listing is an audit of payroll and class codes instead of a survey of injury exposures.
Keep the products separate in your head when a firm sends both. A package survey asks how the building is built and protected. A workers compensation survey asks how people get hurt doing the work. A premium audit asks whether the payroll and classes match that work after the term. Same address. Three files. Write the one on the order.