General FAQs

It is important to file a claim as soon as possible – early reporting helps claims get settled more quickly. You can either call your insurance company directly or if you are a LeBaron & Carroll client, you can call us. We have a dedicated claims department available 24/7 to make the process as easy and pain-free as possible. If at any time you have questions or need to talk through any aspect of your claim, please call us – we are your advocate with your insurance company. When you call to report your claim, have all the photos, documentation, and reports gathered and ready to send in. This will help expedite the claim process. During your initial call, the claims agent will ask you several questions and will explain the next steps. You should expect to get a claim number and an adjuster assigned to you within 24 hours of reporting the incident. If you have specific questions, reach out to your agent, or give us a call. We would be happy to help.
Your LeBaron & Carroll service team is here to help you with anything you need when it comes to your insurance. However, one of the instances when you could call your insurance company directly would be to file or manage a claim.
You should give us a call whenever there is a change to your business such as:
  • Added or changed locations or changed property values
  • Added employees, drivers, vehicles, or equipment
  • Changes to business structure
  • Changes in inventory or operations
  • Changes to corporate structure
  • You rent, lease, or borrow any equipment
  • You have a substantial change in sales or payroll
  • You obtain any high-value items
  • Any other changes, additions, or deletions of any kind that could potentially affect your insurance coverage
Our 24 hour phone number is 866-808-1321. You can also contact your agent directly for emergency support. If there has been a life threatening injury, call 911.
If you have billing questions, call or email any member of your insurance team. Or you can call our main number at 480-834-9315 and we can connect you.
Contact your agent or your service team to get help understanding your policy. They can answer any questions you have. Call 480-834-9315 if you need to be connected with your team.
Directors & Officers (D&O) coverage is a type of liability insurance that covers corporate and non-profit leadership if claims are made against them while fulfilling their role within the organization. This coverage typically protects against the loss of personal assets and covers legal fees and settlement costs associated with the claim. A D&O policy is a safeguard, or protection, for executives, directors, board members, and other officers.
Employment Practices Liability Insurance (EPLI) is a type of insurance coverage that protects businesses from wrongful acts arising from the employment process. This type of policy will typically cover claims made for sexual harassment, discrimination, wrongful termination, retaliation, breach of contract, negligent evaluation, failure to employ or promote, wrongful discipline, and other similar actions.
Cyber policies are intended to cover a variety of both liability and property losses that may result when a business engages in electronic activities such as conducting business over the internet or collecting data over a network. Cyber policies can vary widely and should be customized to address the specific risks of your business. Most cyber policies will include some level of coverage for the following:
  • Data breaches due to exposure, theft, or illegal hack. Covered costs often include notification expenses, credit monitoring, court defense costs, fines and penalties, and other loss resulting from online theft.
  • Business interruption loss reimbursement due to a cyber attack
  • Forensic support
  • Intellectual property rights
  • System failures
  • Data loss
  • Computer fraud
  • Funds transfer loss
  • Cyber extortion
  • Liability arising from website content
Underwriters receive information about your business from your agent in the form of a submission. Underwriters price your insurance based on the information contained in the submission. Most agents supply only basic, and often incomplete information. This requires the underwriter to make assumptions about your business that can result in higher premiums. A Top-of-Stack submission refers to one that underwriters prefer to work on (so they move it to the top of their stack of work). A Top-of-Stack submission includes far more information than an underwriter typically receives and allows them to get a more detailed understanding of all your business is doing to reduce risks. A Top-of-Stack submission usually results in reduced premiums for the client.
To request certificates, ID cards, or any other needed documentation, contact your insurance team directly.

Safety & Risk FAQs

Anything that may cause harm (noise, chemicals, equipment, etc.) is a hazard and the chance that an individual is harmed by that hazard is a risk (including the seriousness of harm or injury).
  • Designate a Safety Person.
  • Create a consistent training program for all employees, including supervisors and managers.
  • Perform self-inspections and mock OSHA audits.
  • Conduct routine safety meetings to communicate about recent exposures and hazards.
  • Use checklists to evaluate the workplace and job sites.
  • Report and log any illnesses and injuries.
  • Education – be aware of safety goals and practices
  • Encouragement – be enthusiastic about safety
  • Engineering – develop and implement safety measures
  • Enforcement – reinforce compliance
  • Evaluation – set expectations and identify necessary changes
  • Management Commitment and Employee Involvement – The manager or management team leads the way by setting up the policy, assigning and supporting responsibility, setting a positive example and involving employees.
  • Worksite Analysis – The worksite is continually analyzed to identify all existing and potential hazards.
  • Hazard Prevention and Control – Methods to prevent or control existing or potential hazards are administered and maintained.
  • Training for Employees, Supervisors and Managers – Managers, supervisors and employees are trained to understand and deal with worksite hazards.
We recommend reviews on at least an annual basis with both employee and employer input.
Go to our resource center to download any sample program, or see the links below: Email if you need a different sample or guidance for your own.
The first thing to remember if you are involved in an auto accident is to stay calm. Accidents happen quickly and emotions tend to run high for all involved. Don’t argue with others involved in the accident. Second, move to a safe area. If you can, try to warn oncoming traffic with a light, flag, or other safety warning device. Third, help anyone that is injured. Call 911 if someone has been hurt, or if the accident poses a significant safety hazard. If you are unable to make the call yourself, ask someone nearby to call for you. Fourth, filing a police report is very important and should be done with every accident. If there was no need to call for emergency medical help, call your local non-emergency police number to report the accident. Be careful when discussing details of the accident with others, doing so could possibly cause a problem with your insurance claim. Fifth, gather information. Take photos of any vehicle damage and the environment. Get information about the other vehicle such as the make, model, and license plate number. Get the other driver’s name, phone number, and driver’s license number… and be sure to get their insurance provider and policy number as well. Lastly, alert your insurance agent right away so they can begin the claim process. Give your agent all the photos and information that you collected. They will help you understand what coverages you have and what steps you need to take.
If there is a workplace accident, immediately assess any injuries and facilitate appropriate and personal treatment. Call 911 if needed. A staff member trained in first aid can provide care for minor injuries. Transport affected individuals to a medical clinic or emergency room if there are extensive injuries. Report the incident to the appropriate parties immediately after providing medical attention. Examples of those you should contact include supervisors, your human resources department, and your insurance company. Activate your return-to-work process the moment an injury is first examined. This will help minimize the long-term costs resulting from the incident. Give the injured employee return-to-work forms to take to the doctor. Follow up with the employee by finding out how the doctor’s visit went. Together, formulate an appropriate Return-to-Work plan. If the injury resulted in hospitalization, amputation, or the loss of an eye report to OSHA, or ADOSH in Arizona, within 24 hours of the incident. If there was a fatality, report to OSHA (or ADOSH ) within 8 hours.
When you have 10 employees you are required to start keeping OSHA 300 logs. Injuries and illnesses should be always recorded and investigated even if you are exempt from the record keeping requirements. When you have 20 employees you are required to electronically submit the 300A summary to OSHA by March 2nd for the previous year. You must save the OSHA 300 and OSHA 301 reports for 5 years following the end of the calendar year that the records cover.
If your business has more than 10 employees, you are required to keep a record of serious, work-related injuries and illnesses. (Certain low-risk industries are exempt).

If you business has 20 employees, you have to submit the OSHA 300A electronically.
To request certificates, ID cards, or any other needed documentation, contact your insurance team directly.
Report to OSHA (ADOSH in Arizona) within 24 hours of the injury occurrence if the injury resulted in hospitalization, amputation, or the loss of an eye.

Report to OSHA (ADOSH in Arizona) within 8 hours of the incident if it is a work-related fatality.
  • Any work-related fatality (must be reported within 8 hours). Any work-related injury or illness that results in loss of consciousness, days away from work, restricted work, or transfer to another job.
  • Any work-related injury or illness requiring medical treatment beyond first aid.
  • Any work-related diagnosed case of cancer, chronic irreversible diseases, fractured or cracked bones or teeth, and punctured eardrums.
  • There are also special recording criteria for work-related cases involving:
OSHA 300 Logs, HAZCOM and SDSs, written safety program, documentation of new hire training and training certificates.
  • Maintain a safe workplace compliant with standards and free from serious hazards.
  • Routine examination of workplace conditions.
  • Provide safe tools, equipment, and proper maintenance for them.
  • Establish safety and health requirements and communicate updates.
  • Post employee rights and responsibilities in a prominent location.
  • Train employees on how to recognize hazards and what they can do to minimize the hazards.

Go to our training calendar for a complete list of upcoming trainings and events. You can register for any event directly through the calendar as well.

Go to our Resource Center where you can search for the specific materials you are looking for.

Or email

Or subscribe to our monthly newsletter located in the footer below.
  • One-on-one safety reviews and guidance on safety culture
  • Scheduled trainings on site
  • Driving Safety, Fall Protection, Ladder and Scaffold, Silica Dust, First Aid/CPR and more
  • Lunch n’ Learn trainings (safety and HR topics)
  • Digital library of Safety Elements (toolbox talks), checklists, and example programs or forms
  • Recorded and live webinars
Email or call (480) 834-9315 and ask for Seth, Miranda, or Colleen.
  • A review of your safety culture, program, and practices.
  • Review past goals and set new goals.
  • Recommended actions or risk prevention measures (Action Plan).
  • We will also provide any resources (checklists, forms, sample programs) you may need during this time.

Not having programs and policies in place may open you up to more accidents and injuries. Complications can drive up prices and hurt your ability to get work. Severe injuries or dangerous conditions may also trigger an OSHA inspection, opening you up to additional fines and legal costs.

Yes, our safety advisors are available for on-site trainings. (Travel fee may be applicable).
Yes, for the OSHA 10, OSHA 30, and First Aid & CPR courses.
Visit our Training Calendar to view and register for upcoming trainings.