By Matthew Rogers, CRS Contractors Risk Solutions — Los Angeles, CA
What Is an IPP and Why Do You Need One?
In the world of construction, workplace injuries can happen fast. That’s why every contractor should have a clear, actionable Injury Prevention Plan (IPP). Also referred to as an Injury and Illness Prevention Program (IIPP) in California, this plan outlines what to do in case of an injury, including who to call, where to go, and how to respond.
From identifying a safety manager on-site to ensuring someone certified in CPR is always available, your IPP is a crucial part of keeping your job sites safe—and your company protected.
IPPs Aren’t Just for Compliance—They’re for Insurance
Most mid-sized construction companies already have some form of an IPP, often to meet regulatory requirements. But what many don’t realize is that your IPP also plays a major role in your insurance program—especially workers’ compensation.
As an insurance broker, I review these documents all the time. Unfortunately, too many companies use generic, cookie-cutter templates purchased online—sometimes with a watermark that says “.com” in the corner. These reports may check a box, but they don’t provide real protection.
Underwriters can tell the difference. If your IPP is actually implemented, customized for your company, and actively used, it becomes a powerful tool in managing claims and reducing insurance costs.
How a Proper IPP Lowers Workers’ Comp Claims
Here’s the truth: if someone gets injured and your team doesn’t know the protocol, you’re far more likely to see a claim spiral out of control. But if your IPP is done right, that risk drops significantly.
A strong IPP should answer questions like:
- Who do we call if there’s an injury?
- Where is the nearest urgent care or ER?
- Who within the company must be notified?
- Where is the injury response plan stored?
- Who on the crew is trained to respond?
The more detailed and up-to-date this information is, the smoother your response will be—and the better your insurance outcomes.
Your IPP Shouldn’t Collect Dust
An effective IPP isn’t a one-and-done document. It should be reviewed quarterly or at least every six months. Staff changes, project types evolve, and locations vary—your plan should evolve, too.
For example, if “Mark” is listed as your point of contact and he’s no longer with the company, your entire protocol could fail. Make sure your IPP reflects current roles, responsibilities, and resources.
The Bottom Line: Prevention Saves You Money
Yes, maintaining and updating your IPP can feel like a hassle. But that effort can save you tens of thousands of dollars in claims, downtime, and increased insurance premiums. It also gives your insurance broker the tools needed to negotiate better rates and advocate on your behalf with underwriters.
At CRS Contractors Risk Solutions, we don’t just sell insurance—we help you increase revenue by reducing risk. When your safety programs are real, not just paperwork, you gain leverage that can be used across your entire insurance portfolio.
Final Thoughts
If this post has helped you see the importance of your IPP—even just a little—then we’re on the right track. Start reviewing your plan today. Make it real, make it relevant, and make sure your team knows it.
Need help putting together or reviewing your IPP? We’re here for that.
