Loss prevention services


Property / Workers Compensation / Cyber

As one of the nation’s few insurance brokers with an experienced in-house Loss Prevention team, Ward Insurance keeps you ahead of the risks and challenges your business faces each day.



We’ll conduct routine inspections of your operations and assist you in identifying ways to:

  • Improve safety

  • Maintain regulatory compliance

  • Reduce losses

  • Lower the cost of insurance for your business

Workers Compensation

Rob Freres
Freres Lumber Co., Inc

“Ward’s loss prevention team is second to none. They have done an outstanding job helping us maintain a positive safety culture while significantly reducing our overall exposure to risk.”


Emily Lubman
Commercial Safety Specialist

Emily Lubman works in the Ward Insurance Loss Prevention Services Division as an Occupational Safety Specialist. She brings extensive timber product industry experience in Industrial Hygiene, Environmental Health, and Safety to Ward’s growing loss prevention practice. Additionally, she specializes in OSHA and environmental compliance.


Wardʼs services include:

  • Safety Program Audit

  • OSHA Compliance Audit

  • Safety Committee Meeting Effectiveness

  • Hot Work Programs

  • Hazardous Energy Controls

  • Personal Protective Equipment

  • Fleet Safety

  • Machine Safeguarding

  • Industrial Hygiene Consultation & Oversight

  • Disaster Recovery Plan

  • Fire Sprinkler and Pump Inspection Review

  • Loss Control Response Support

  • Property Loss Prevention Training

  • Incident Investigation

  • Safety Inspection and Recommendation Report

  • Financial and Trend Analytics

  • Safety Policies & Claims Handling Process

  • Pre-Hire, Post-Hire and Training Strategies


Cyber Chaos Control

Ward Cyber Shields

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  • Ransomware

A type of malware that encrypts files on your computer and then presents you with an ultimatum: pay a fee to unlock the data or don’t pay and lose the data for good. Statistics are showing ransomware activity grew +30% from 2016 to 2017 and will continue to rise through 2019 and beyond.

  • Crime-as-a-Service (CaaS)

The Cyber Black Market couldn’t be more user friendly! You don’t need to be a computer wizard to launch a malicious attack. Pre-packaged hacking services and a variety of illegal resources can be bought easily for a fee.

  • The Human Factor

Not all Cyber events involve external threats nor can they be prevented by a firewall. According to cyber claims studies, over 40% of Cyber claims involved either human error (lost laptop, email typos) or a rogue employee.


  • My business isn’t a target for hackers

Cyber-crime is blind in its targeting. Every company - large or small - is at risk. A cyber-criminal launches a piece of malware that attacks millions of business computer systems looking for any opening and vulnerability to exploit.

  • We have the best network security on the planet! We are impenetrable!

It is simply impossible to become 100% impenetrable. Just ask the FBI, NASA, JP Morgan Chase and the New York Times. Also, network security attacks are only half of the Cyber problem. A significant portion of privacy breach events are caused by fraudulent employees or human error.

  • I don’t have the risk, I use third party vendors

While you can transfer certain operational needs (data storage, processing, hosting) to a third-party vendor, you can’t fully transfer your liability if a breach occurs. Simply put, customers and clients can still sue you.

Anne Hasenstab

Anne Hasenstab is the Executive Risk Practice Leader for Ward Insurance and has spent the last 18 years of her career specializing in Management Liability and Cyber insurance. Anne began her career as an Executive Risk Underwriter in Chicago, IL working with Fortune 500 clients. She later worked as a Client Advisor for a large brokerage firm consulting on privacy, network security, media and technology exposures. Most recently Anne held underwriting management roles throughout the Pacific Northwest. 

Email: anne@wardinsurance.net

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