How to lower your risk exposure & lower your liability premium

If an insurer wants your liability business then they will reduce their rate to do business with you and, your renewal prospects will increase.

To make your business appealing to insurers here are just some risk management strategies that can help:

• Ensure that you have a good Health and Safety Management System in place.
• Carry out and record risk assessments at the required intervals.
• If you employees do any lifting restrict the weights lifted to 15Kg for men and 10Kg for women, provide mechanical lifting aids for heavier weights.
• Make sure that all workers are aware that ALL tasks have the potential to cause injury, train your staff properly as any training certificates will help show good risk management.
• Make sure employees who work with the public are also aware that ALL hazards have the potential to cause injury, train those staff to remove any hazards immediately.
• Check employees existing health complaints at induction, keep notes to this effect and update records every 6 months.
• If an employee has an existing health problem ie: Backache, ensure that they will not be doing anything to make it worse.

• Assign a director, manager or supervisor to carry out regular spot checks to ensure that your employees are complying with the health and safety aspects of the job.

For a quotation complete our   public liability insurance quote form

or telephone 01332 299285