Policyholder Resource Zone
Effective Risk Management is of paramount important. Here are some resources to assist you in reviewing your policies and procedures:
Whether running a business or owning a property, there are various laws that need to be complied with. Examples of legislation include, but are by no means limited to, the following:
Health & Safety legislation requires all businesses to have:
(i) A Health and Safety Policy which is communicated and reviewed regularly
(ii) Risk Assessments which are reviewed as necessary and recorded where there are 5 or more employees
(iii) A written employee induction Training program, with training records maintained
Furthermore, employers are required to appoint a Competent Person, or people, to help meet their health and safety legal duties
Companies that do not have the above are potentially prejudicing their insurer’s position in the event of a claim, as well as exposing themselves to prosecution by the HSE. It is important to note that just because an employee has experience, ongoing competency needs to be assessed and reviewed.
Health & Safety legislation requires adequate maintenance and Statutory Inspections, for example:
(i) Lifting Operations And Lifting Equipment Regulation (LOLER Inspections)
(ii) Pressure System Safety Regulations (PSSR Systems Testing)
(iii) Provision and Use of Work Equipment Regulations (PUWER Work Equipment & Power Presses)
(iv) Control of Substances Hazardous to Health Regulations (COSHH Ventilation Plant)
The Electricity At Work Regulations outline electrical safety requirements.
Satisfactory inspection certificates provide documented proof of:
(i) Fixed Wiring Safety (Electrical Installation Condition Report : EICR)
(ii) Portable Appliance Safety (Portable Appliance Testing : PAT)
The Regulatory Fire Safety Reforms outline fire safety requirements.
These include:
(i) Fire Risk Assessments, to identify, manage and reduce the risk of fire
(ii) Adequately maintained fire extinguishers
(iii) Adequately maintained fire alarms and/or fire fighting equipment (where installed/provided)
The Dangerous Substances and Explosive Atmospheres Regulations (DSEAR)
DSEAR requires employers:
(i) to assess the risk of fires and explosions arising from work activities involving dangerous substances and
(ii) to eliminate or reduce these risks
The Control of Asbestos Regulations
The regulations require:
(i) Commercial properties built before 2000 to have an Asbestos Survey
(ii) Any located Asbestos Containing Materials (ACMs) need be managed and reviewed on an annual basis
Gas Safety Regulations
The regulations require:
(i) gas appliances, and
(ii) pipework to be checked and maintained annually
The above only touches very briefly on a few of areas of Health and Safety law. Further details of legislation applicable to businesses and property owners may be found on the HSE website and at www.gov.uk/guidance/business-regulation-guidance-and-tools
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