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If you are an employer, a self-employed person or are in control of your workplace premises, you are required by law to report certain workplace incidents. These include occupational diseases, specified dangerous occurrences (near misses) and acts of non-consensual violence to people at work.

Man-with-sling-filling-out-health-and-safety-formWhat is RIDDOR
The initials RIDDOR stand for the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013.

Accidents must be reported online using the relevant form for the type of incident you are reporting. For fatal accidents or accidents resulting is specified injuries to workers only, you can call 0345 300 9923.

A report form must be sent within 10 days of the accident occurring or if the accident results in an employee being unable to work for 7 days or more, within 15 days of the incident.

Occupational diseases such as exposure to carcinogens, mutagens or biological agents must be notified to HSE (Health and Safety Executive) as soon as a diagnosis is made.

It is a criminal offence if the person responsible for reporting these accidents fails to notify HSE. If found guilty they could face an unlimited fine.

There have been some recent changes to the HSE suite of RIDDOR forms. The main change affecting reporters is that a copy of the form will no longer be automatically sent back to the notifier; they will have to download a PDF copy themselves. To maintain a record of what was reported, users must remember to download the PDF, otherwise they will not have a record of what they reported.

Insurance cover and premiums
Your insurance policies will cover you for:
  • Accidents involving vehicles.
  • Third-party accidents (usually) included on your building’s insurance.
  • Employers liability insurance for injuries and ill health to your employees whilst at work. This is compulsory.
If you have a poor health and safety record and are making multiple claims against your insurance policies, this will lead to an increase in premiums. Some providers may even refuse to offer insurance cover.

However, a good management system with documented training records and risk assessments will help reduce insurance premiums by demonstrating your commitment to health and safety and minimising the risks to your employees.

CLA (Risk Solutions) has teamed up with Safety2Business who have developed an online portal “Health and Safety Assist” to provide you with a raft of resources to help you manage your safety documentation.

With the knowledge that your business is using this platform to manage your health and safety risks and reduce the cause of accidents, CLA can source the most competitive quote for your insurance renewal.

For a complete breakdown of what the portal can offer visit the Health and Safety Assist page on our website www.clarisksolutions.co.uk/health-and-safety-assist

Areas that may not be covered by insurance
Your employers liability insurance will cover injury as a result of an accident or illness to your employees; however, there are some costs related to an incident that may not be covered:
  • Sick pay.
  • Replacement labour costs.
  • Delays to production.
  • Fines.
  • Loss of business.
  • Insurance investigation costs.
  • Legal costs.
There is additional insurance that you can take out to cover some of the above if you believe these risks could cause long term damage your business. For more information call 0121 321 4600 and speak to one of our team.
Tradesman-standing-by-his-vanTradesmen face many risks while carrying out their work for the public and other clients.

Like any other insurance policy, making sure it is suitable for your own unique circumstances needs to be calculated carefully. A one size fits all is not going to be suitable for the wide variety of trades and professions.

Building trades such as electricians and plumbers instantly come to mind when we think of a tradesman; however, fitness instructors, hair dressers and dog walkers will all need insurance to cover them if they are injured at work, sued by a member of the public or a claim is made by a member of their own staff.

Tradesman insurance covers a range of risks that could stop you working or lead to a claim that may have a devastating impact on your business.

What to check on your tradesman insurance policy
Flexibility of your insurance policy is going to help you to tailor cover to meet your individual needs. An insurance broker such a CLA (Risk Solutions) will be able to advise you on what basic and optional cover is available and what risks you are likely to face. For example, basic cover should include:

Contractors all risks insurance
This covers you for loss or damage to work you have carried out for the client and any tools, equipment and machinery while onsite. The cover also includes:
  • Hired equipment*.
  • Cover for contractual obligations after completion.
  • Damage to materials while onsite and in transit.
  • Business equipment in your offices.
*If you are hiring plant regularly, it can be more cost effective to add it to your annual insurance policy rather than pay every time you hire.

Employers’ liability insurance
For tradesmen and contractors that have employees on a permanent or contracted basis, there is a legal requirement to include this insurance cover.
If an employee is injured or suffers illness as a result of their work, they can make a claim against their employer.

Public and product liability insurance
Covers you for claims made against you for:
  • Damage to property or injury to clients or public while you are onsite.
  • Third party claims for compensation for financial loss from work you have done or products you have installed.
  • Loss of keys to clients’ property or failing to keep the property secure.
Most tradesmen will want to include the above as minimum protection for their business. However, there are a range of other risks that you may want to consider.

Personal accident insurance
Running your own business means that if you cannot work, you do not get paid. Covering sickness and injury, personal accident insurance will help support you and your family while you recover.

Professional indemnity insurance
If you are providing information based on your knowledge and skills that could lead to a claim for compensation if you provided incorrect advice, professional indemnity insurance will cover any legal costs to defend the claim and compensation to the claimant.

Other tradesman insurance cover
Due to the wide range of jobs covered by individual tradesmen and contractors, you may decide additional cover is needed for your specific trade or circumstances. Our team of specialists will be able to suggest solutions that will protect your income from a variety of risks. These could include jury service, legal claims, and JCT insurance for joint contracts work.

Call 0121 321 4600 to discuss your business needs.
If you need buildings cover over £1 million and contents cover for over £100,000, then you are likely to need high net worth insurance.

You may be surprised at how easy it is to fall into this bracket of insurance when calculating your cover. If you factor in buildings and outbuildings, boats, prestige cars plus any holiday homes, you could find yourself within the realms of high net worth individuals.

Inherited property, jewellery and antiques could also take you into higher insurance cover to help protect your family heirlooms for the next generation.

Private clients
High net worth insurance policies can be tailored to individual requirements. You can cover home, cars, overseas travel, personal protection and include the whole family under one insurance policy. This will save you time when you come to renew your annual insurance policies.

As a private client you can also request an internal survey to assess some of the risks in your property, obtain an accurate valuation of your possessions and get security advice.

High net worth house insurance
High-net-worth-home-floodedAs one of your most expensive and important assets, making sure your home is adequately covered for insured risks and giving you peace of mind is paramount when choosing your insurance provider.

Using an insurance broker to guide you through the maze of risks and providing advice on valuations will take a lot of the guesswork out of choosing a provider to match your particular risks.

One of the most common insurance claims is for escape of water. This presents a greater risk to our high net worth clients because of the damage that can be caused to expensive fixtures, fittings and personal contents. There is usually a larger area that water damage can affect and you will probably have more bathrooms and possibly underfloor heating which both increase the risk of a water leak even further.

The Association of British Insurers report that in the space of 3 years water claims rose from £529m to £654m.

Leaks are commonly caused by water pipes corroding, particularly in older properties. Pipework is often hidden and difficult to inspect so there are often no warning signs before a leak occurs. Even a small hole in a pipe, if it goes unnoticed, can cause thousands of pounds worth of damage to the fabric of the building and expensive carpets, furniture and electrical equipment.

The risks are greater if you own a second home or are likely to leave your main residence vacant for long periods, especially over the winter months.

One policy
To find out how you can benefit from high net worth insurance and combine your multiple policies into one cover to include house, prestige cars, overseas travel and even your children’s possessions while at university, call your local insurance broker CLA (Risk Solutions) on 0121 321 4600.
Prestige-car-door-being-openedKeyless car theft in the UK is on the rise. The latest remote keyless car entry systems enable drivers to unlock car doors and start the engine “hands free” when they are near the car. It is not just prestige cars that use this method of entry; many new small saloon and SUVs incorporate this technology alongside other clever features such as a kick boot.

The increase in thefts of vehicles fitted with these systems is because criminals can use devices that boost the signal from a key lying inside the house to trick the vehicle into thinking the key is nearby, allowing them to enter and start the car.

The German testing body ADAC has found that 99% of the 237 cars it tested were vulnerable to theft using this keyless system.

Some insurers are refusing to pay out if thieves use these devices to break into your car. This is because most car insurance policies will not cover claims if keys are left in or around the car.  If there is no sign of forced entry, you may find your claim is rejected.  Check that you are fully covered for this type of theft with your insurer.

What you can do to minimise keyless car theft
Some manufacturers have implemented ways of preventing this type of theft by supplying keys that turn themselves off when not being used either automatically or by the user pressing or holding down a button on the key fob. A shielding pouch can also be used to store the keys when not in use which blocks signals from the boosting devices used by thieves.

Practical advice is to store keys well away from doors and windows near the car and as far away from house entry points as possible. Fitting a steering wheel lock is another method of deterring this type of theft.

Looking into the future, manufacturers are working on replacing keys with a smartphone app. This will register users to a central database and enable owners to use their phones to unlock and start their cars.

Other advantages of using the app will be the ability to share cars with family members using their own smartphones. It may also be possible to control the cars speed and even volume of music even when you are not driving the car yourself.

With more technology being built into new models, especially prestige and luxury cars, it is more important than ever to make sure your insurance provider is keeping up with the new technology to keep you fully insured.

High net worth insurance
Online comparison sites and standard insurance policies do not always provide the level of insurance cover needed for some expensive modern cars. Often packed with a high level of technical specification and high value components, you may find your prestige car needs a higher level of insurance cover.

It is not just about replacement or repair costs; you may have a preferred garage for repairs and need the use of a replacement car of equal value when you have to make a claim.

A high net worth insurance policy can provide a range of benefits including cover for your home, leisure craft and travel insurance all under one policy tailored to your individual needs.

To make sure all your possessions are fully covered, talk to your local insurance broker in Sutton Coldfield, CLA Risk Solutions on 0121 321 4600.

Surgeries_insurance_1Visit a modern medical centre, dental practice or veterinary surgery and the variety of equipment needed to operate effectively is staggering; dental chairs, devices such a nebulisers, defibrillators and sterilisers plus all the specialist instruments. Vets have even more equipment to meet the needs of a wide variety of animals; from scanners and X-ray imaging to dental equipment.

Equipment in modern surgeries is expensive and that is before other items such as computers, phone systems, furniture and security is considered.

Many medical practices have combined into larger health centres to provide a more comprehensive service to patients. The result is a much larger building, more staff and an increase in the number of patients. Minor surgeries and implants can now be done by the most modern medical centres saving trips to the local hospital.

With technological advancements, equipment such as lasers are expected to become increasingly popular with dentists for producing crowns, bridges and models using 3D printing.

Veterinary surgeries or hospitals will be caring for animals in their custody, possibly overnight.
When considering insurance cover, a one size fits all is not going to give you the protection needed for your individual surgery.

Using an experienced broker will give you access to providers who can tailor a policy to ensure you are adequately covered if you need to make a claim so you can recover the full value of a loss.

Tailored insurance for your practice
As well as covering all your expensive equipment and buildings, you will need to consider loss or damage to drugs and vaccines which are often refrigerated.

Because your surgery is used by the general public of all ages, some of which may vulnerable to accidents whilst visiting your building, higher limits of public liability insurance may be needed.

Business interruption insurance
This would cover loss of income if the surgery had to be closed due to fire or flood. It will also cover temporary costs while you get back up and running such as:
  • Additional staff
  • Relocation
  • Security
Cyber Crime insurance
Cyber attacks are particularly high with medical centres and healthcare practices vulnerable to more attacks than most other sectors.

With highly confidential patient records being valuable to hackers who can sell them on the black market, your practice will need cover for a variety of risks that you could be exposed to such as recovering your computer systems, security experts to support your team, compensation claims and managing any negative publicity.

To make sure your surgery is protected from the risks involved in running a busy medical, dental or veterinary practice, call one of our account managers on 0121 321 4600.