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Best ways to mitigate a potential liability claim and lower your insurance premium.
Safety in the workplace goes beyond introductory training and standard policies.
Employers have a duty to provide and police the use of personal protective equipment (PPE) at work including safety helmets, gloves, eye protection, high-visibility clothing, safety footwear and safety harnesses. However Safety is everyone’s responsibility
Employee participation is an integral part of any successful work safety program. Management should encourage employees and contractors to identify unsafe situations, and employees should learn and use proper safety protocols.
We would always recommend that clients document their work including photographs and videos if possible. Keep an archive of all of your jobs, and the relevant documentation relating to them. If a problem arises in the future you will have the appropriate evidence to prove that your part of the job was done correctly.
The best way to avoid liability arising as a contractor is to always follow proper procedure. Not only is this the best way to avoid site accidents and situations which can lead to claims, but it is also a way to effectively rule yourself out as the cause of any incident resulting from a job which involved many contractors.
A final way to avoid claims is to only work with trusted subcontractors. Work with those who display a high level of professionalism in their work and avoid those who have reputation of cutting corners, even if it means paying a little more. Just as with your own employees, supervision is essential.
Accreditation allows businesses to demonstrate the quality of care and skill they provide to a service. Not only will these improve the processes that the business uses or the calibre of its employees or contractors but it will help insurers in assessing your business. When presenting a risk to an insurer, it can be beneficial to provide a copy of the qualifications or accreditations, as this can present a better picture of the business or person being insured.
If you are not confident of your ability to manage all health and safety in-house; or you need to know that what you are doing is necessary, sensible and proportionate for your business perhaps using a third party specialist would benefit your business. Consultants can be employed for range of issues such as providing training programs to giving advice in specialist areas such as asbestos or engineering.
If you are doing all the above make sure that you tell your insurance broker, as it demonstrate to an insurer that you are a professional business that takes it services and safety seriously, which will in turn lead to a move favourable premium at renewal.
Be safe in the knowledge that your business is protected.
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Clarke Williams Ltd are authorised and regulated by the Financial Conduct Authority under reference 758683. The Financial Conduct Authority’s Register can be accessed through http://www.fca.org.uk/ . We are registered in England and Wales with Companies House under number 10317065. Our registered office address is 194 High Street, Tonbridge, Kent, TN9 1BE
Clarke Williams Ltd
194 High Street
Tel: 01732 252 898
© 2017 Clarke Williams Ltd