Risky Business: Protecting Company Directors and Officers from Crippling Claims
Did you know that as a director or officer of a company, you are legally responsible for your actions? That under the Companies Act 2006, there are more than 200 areas of statutory liability you are exposed to?
Personal Injury Claims: Why Rehabilitation is a Service to seek out from your Insurer
When there is an accident on business premises or on the road, parties injured through no fault of their own will usually receive a compensation payout. Financial support is essential for those injured.
Employer’s Liability Insurance: How Lack of Cover Could Cost you Dear
If you need to compensate an employee who has been injured whilst working for you, the sums of money involved could cripple your business. As an employer, you will almost always be held responsible, as you have a duty in law to take reasonable steps to ensure the safety of your staff. That’s why having adequate employer’s liability insurance is a vital necessity.
The Dangers of Working at Height
The Work at Height Regulations 2005 place various duties on employers and those who control works at height. We often talk about the importance of taking reasonable steps to comply with the health and safety regulations that apply to your business. It is important because if a member of staff or a contractor is injured and makes a claim against you, the insurers who provide your employers’ liability cover will be looking for evidence of your commitment to making every effort to avoid a dangerous situation arising.
Failure to Control Workplace Noise can Prove Costly
The Control of Noise at Work Regulations 2005 call for employers to take steps to prevent or reduce health and safety risks due to workplace noise. If you employ staff in an industry where noisy power tools or machinery are used; where impact noise is apparent or where there are explosive sources, then you are required by law to conduct risk assessments and put measures in place to reduce or eliminate risks so that the hearing of your employees is protected. Insurers will expect you to take certain steps to reduce your risk of a claim.
Health and Safety and Insurance: Some Useful Advice
The Health and Safety at Work etc. Act 1974 requires every employer to ensure, so far as is reasonably practicable, the health and safety of employees, as well as any non-employee on the premises or at the site of work, such as visitors or passers-by. To reduce health and safety risk and avoid claims you should be constantly bolstering your chances of defending a claim should one be made. Here's how.