Insurance most accidents


Even if you have insurance most accidents are still costly

If you have been involved in an accident, and injured as a result, you will know that even if you have insurance most accidents are exceptionally costly.

This is especially true if you are an employer.

Employer’s Liability

If you are an employer you will no doubt be aware that you have a legal duty of care to all the members of staff that work for you.  This means that you are obligated to do all you can, within reason, to ensure their safety.

While of course no matter how careful you are, accidents can still happen, it is important that you have done all you can to prevent them from doing so.

You will also be legally responsible for ensuring that you have the necessary and appropriate insurance policies to cover you against incidents that may have occurred at work.  However, even with insurance most accidents can, and should be prevented.  Employers should not simply think that they have the right insurance policy so “it doesn’t matter” if someone gets hurt.

If you have insurance most accidents will not cost you a penny, directly.  If an employee does decide to make a claim against you because they believe the accident they have been involved in was your fault, or the fault of the company, then it will be your insurance provider that will ultimately cover the cost.  However, it goes without saying that in the case of insurance most accidents will cause your premiums to increase, which will have an ongoing negative impact on the profitability of your business.  Equally, you do not want to be seen as the type of organisation that does not take the health and safety of your employers for granted.  This can have an ongoing negative impact on the morale of staff, as well as potential customers who would not want to use the services of a company with questionable ethics.

Training and Compliance

It is important that when you have staff you ensure that they are properly trained to complete the tasks associated with their work.  This involves organising proper training sessions by suitably qualified individuals and keeping the appropriate records of these.  This will help ensure that updates are provided in a timely fashion if needed.

Risk assessments should also be conducted to help identify any potentially dangerous areas, whether that be a physical danger in terms of maintenance that needs to be completed, or training deficiencies.

Risk assessments can also help identify areas where personal protection equipment could be utilised to help keep staff safe.  PPE should be provided, and checked on a regular basis to make sure it is still working properly and again that all staff using such equipment are proficient in understanding how to go about using it.

If you are an employer, take the right steps today to make sure your staff are safe, don’t just rely on the insurance policy to protect you!

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