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Residential and non-residential care homes face a wide range of risks due to the very nature of the work they carry out and the vulnerability of their residents.

With many high-profile stories in the media and concerns over health and safety, care homes are under pressure to deliver support to an increasing number of the most vulnerable members of our population.

Care_Homes_insuranceThe social welfare sector including private and public care providers, charities (not for profit organisations) and social enterprises provide care and support to the young, vulnerable and disadvantaged members of our society.

Because of the nature and diversity of risks involved in this sector, an insurance broker is well placed to provide the expertise and advice needed to cover your responsibilities to your employees, vulnerable residents and members of the public.

As well as your building and contents insurance, your cover will need to include some of the more challenging aspects of support such as abuse, breach of professional duty and medical malpractice. Accidental cover for your employees, voluntary workers and visitors will be necessary to protect you against claims that could damage your reputation and funding.

Care and health consultancy
Identifying the challenges and risks involved in running a care home plays a vital role in managing and minimising the effects these may have on your organisation.

A consultant will be able to help improve your management systems and identify any areas of weakness. This can have a major impact on reducing incidents and in some cases reduce your insurance premiums by demonstrating your commitment to maintaining good working practices.

Health and safety support and risk assessments can be carried out and improvements made to reduce incidents and comply with legal requirements.

Care homes insurance cover
Insurance is available for a wide variety of care homes:
  • Children’s homes
  • Rehabilitation units
  • Residential units for learning disabilities/autism
  • Special schools (residential and non-residential)
  • Mental health residential (non-secure)
  • Supported living
  • Foster care
The scope of cover can include third party responsibilities, employee liability, asset protection, cyber and data risks, legal expenses, book debts, deterioration of stock and inspections.

For a complete breakdown of cover and to find out more about what the consultancy includes, please call one of our team on 0121 321 4600.
 
 
If an employee is injured or becomes ill as a result of the work they do for you, they can claim compensation from you.

Meeting your health and safety duties is easier than you think. Providing you have taken reasonable steps to prevent accidents or harm to your employees (and the injury or illness was caused after 1 October 2013), you shouldn’t have to pay compensation. However, if a court finds you are liable, employers’ liability insurance will help you to pay any compensation for your employees’ injuries or illness.

Though there were fewer prosecutions taken in 2016/17, the statistics show an increase in fines to £69.9 million from the 2015/16 total of £38.8 million. New sentencing guidelines in England and Wales were introduced in 2016. Twenty large fines accounted for £30.7 million of the new figure.

Key figures for Great Britain (2016/17)
  • 1.3 million working people suffering from a work-related illness
  • 2,542 mesothelioma deaths due to past asbestos exposures (2015)
  • 137 workers killed at work
  • 609,000 injuries occurred at work according to the Labour Force Survey
  • 70,116 injuries to employees reported under RIDDOR
  • 31.2 million working days lost due to work-related illness and workplace injury
  • £14.9 billion estimated cost of injuries and ill health from current working conditions (2015/16)
Above taken from http://www.hse.gov.uk/statistics/ and http://press.hse.gov.uk/2017/britains-annual-injury-and-ill-health-statistics-released/

How insurance premiums are calculated
Your insurance premium is calculated by insurers by assessing the risks associated with the type of work being carried out. For example, if you employ mainly office based personnel, your premiums will be lower than for manual workers because the risks are generally lower.

Other factors include type of industry, previous claims history, number of employees and factors that may improve your risks such as management systems you have in place.

Generally, your employer’s liability insurance will cover you against compensation for injury, disease, damage or death together with any related financial losses incurred by the claimant. It will also reimburse the Department for Work and Pensions for any benefits paid out during the claim.

Liability_Insurance_for_health_and_safety_proceduresHow to reduce your employers’ liability insurance premium

Providing you can demonstrate that you have an effective Occupational Health and Safety management system in place, insurers can usually reduce your premiums. An effective management system will help to minimise the risk of injuries and diseases and the risk of a successful claim being made against your organisation.

You may need the support of an external consultant if you do not employ your own health and safety personnel.

CLA have partnered with Health and Safety Assist to provide access to your own safety management hub and expert advice via an online portal. This will help you to manage your entire health and safety processes, action plans and audit trails with documentation all in one place.

Join Health and Safety Assist to improve your health and safety management and reduce your insurance premiums.

For more information visit our web page http://www.clarisksolutions.co.uk/health-and-safety-assist or call one of our account managers.

 
The Health and Safety sentencing guidelines were revised last year and became law on 1 February 2016. Senior and middle management, regardless of the type of business, need to be familiar with them — not least, because the guidelines also apply to offences committed before 1 February 2016.

Health-and-safety-lawsCourts now assess the overall seriousness of an offence based on the offender’s culpability and the risk of serious harm.

To ensure sentencing consistency across the board for Health and Safety offences, every incident now has a starting point. This provides judges with a minimum punishment that can be applied to every convicted offender.

For example, in the guidelines, the range for an organisation with a turnover between £10-50 million would have a recommended starting point for the least serious offence with medium culpability is £50,000. It could be increased to £4 million as the seriousness and culpability increases.

The criteria used to determine how serious an offence is:

Culpability
Culpability is assessed to arrive at a rating of very high, medium or low based on the likelihood of harm occurring. High ratings include ignoring concerns raised by employees or others and failing to make appropriate changes following earlier incidents. A low rating would apply when you can demonstrate significant efforts were made to address the risk but it was not sufficient on this occasion.

Harm and Risk
Harm and Risk is assessed by the court according to what could have happened rather than what did happen. Health and Safety offences are concerned with failures to manage risks and do not require proof that the offence caused actual harm. The offence is in creating a risk of harm.

This can be compounded further in the light of whether the offence was a significant cause of actual harm, high number of workers or the general public were exposed to the risk.

Contact us today on 0121 321 4600 or send your enquiry to info@clarisksolutions.co.uk if you need health and safety specific cover or would like us to put you in touch with someone that could improve your accident reporting and processes.
11th November 2016

Health and Safety Assist

New sentencing guidelines for health and safety offences came into force on the 1st February 2016. Tough penalties can now be imposed on companies that breach health and safety laws and organisations need to ensure they have taken every precaution to minimise the risks to their employees.

Heavy fines running into millions of pounds and even prison sentences can be imposed on companies and individuals; therefore anything you can do to make managing health and safety as effective as possible within your organisation is going to help you to sleep easier at night.

This is where CLA’s “Health and Safety Assist” can help. We have teamed up with a specialist Health and Safety provider to give you access to an online portal. This secure online resource provides access to your own safety management hub. The portal will help you manage all of the documents necessary to meet your health and safety responsibilities and comply with the relevant standards for your business sector.

Making safety a habit
The portal will provide access to all of the documents you need in a secure and easy to manage area ensuring no more lost paperwork or missed deadlines for your annual report and risk assessments. Our providers will remind you of anything that needs to be done which will save you time and money. There is no need to book an appointment that may interfere with your busy schedule. They will keep in touch with you at a time that suits your needs and will be ready to answer any questions that you may have. The system will keep all information (conversations, activities, documents, tasks, events) in one secure place to ensure your business is taken care of at every level.

Health-and-Safety-AssistThe portal provides:
  • Document storage
  • Action plans
  • Sector related documents
  • Personal calendar
  • Task management and discussions
  • Live chat
  • Audit trail
  • Secure access

Better management = lower premiums
By using our portal you will be able to demonstrate that you have a system in place for the management of your documentation and risk assessments. The system also provides bespoke solutions for your business and a raft of other resources. By working with our provider you will improve your processes and minimise your exposure to risks. Their experienced consultants will be on hand to offer advice and generate a bespoke action plan for your business.

Joining “Health and Safety Assist” and working with our provider will not just improve your organisation’s health and safety management. Using this information, CLA will be able to source the most suitable liability insurance policy, at a reduced insurance premium because insurers will be confident that health and safety standards are being managed effectively.

Contact one of our Account Managers for more information about this service.
 
02I87269Businesses now have more flexibility in how they manage their provision of first aid in the workplace following a change in health and safety regulations.

From 1 October 2013, the Health and Safety (First Aid) Regulations 1981 have been amended, removing the requirement for HSE to approve first aid training and qualifications.

The change is part of HSE’s work to reduce the burden on businesses and put common sense back into health and safety, whilst maintaining standards. The changes relating to first aid apply to businesses of all sizes and from all sectors.

Andy McGrory, HSE’s policy lead for First Aid, said: "HSE no longer approves first-aid training and qualifications. Removing the HSE approval process will give businesses greater flexibility to choose their own training providers and first aid training that is right for their work place, based on their needs assessment and their individual business needs.

"Employers still have a legal duty to make arrangements to ensure their employees receive immediate attention if they are injured or taken ill at work."

Information, including the regulations document and a guidance document to help employers identify and select a competent training provider to deliver any first-aid training indicated by their first-aid needs assessment are available on the HSE website at www.hse.gov.uk/firstaid 

‘Contains public sector information published by the Health and Safety Executive and licensed under the Open Government Licence v1.0’.