Good health and safety standards help you to run your business successfully. Meeting the requirements of relevant regulation is a central factor in achieving this. Insurers recognise the wider benefit to society of encouraging businesses in following sensible, proportionate measures aimed at helping you carry out your activities.
We can provide this information to help you take sensible steps to manage health and safety effectively.
- Some common concerns
- Written risk assessments
- The role of health and safety consultants
- Testing portable electrical appliances
You do not generally need to show any formal evidence that you are keeping to health and safety regulations, nor do insurers ask to see health and safety documents as a condition of granting insurance cover. Though it is not a legal or insurance requirement, good record keeping (for example: training records, etc, may be useful if you need to defend a civil law claim).
Written risk assessments:
If you employ fewer than five employees, there is no need for you to complete written risk assessments.
It is not a legal or insurance requirement, but completing and recording risk assessments may be useful if you need to defend a civil law claim.
The role of health and safety consultants:
You do not need to hire a health and safety consultant. The law says though that you must have access to competent health and safety advice – often this is available from your own staff.
Due to the complexity or nature of any business however, it is normally recommended that you use a health and safety consultant who is listed on the Occupational Safety and Health Consultants Register.
Testing portable electrical appliances:
There is no specific legal requirement for every portable electrical appliance to be tested each year and your insurer will not insist upon this when offering you insurance.
You must maintain this equipment suitably to prevent danger, insurers recommend you follow the guidance published by the HSE.