Robison & Co

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Health and safety at work: What every business must know

Health and safety at work: What every business must know

Health and safety are at the heart of protecting businesses and employees. Today, on National Health and Safety at Work Day, it’s vital to reflect on what steps we take to keep workplaces safe. Without strong policies, companies risk fines, accidents, and reputational damage. Let’s explore how to strengthen your approach to health and safety and protect your workforce.

Why health and safety policies are essential

A strong health and safety culture helps businesses build trust and resilience. When you protect your team, you also protect your operations, finances, and reputation. In the event of emergencies, the right actions can even save lives. However, maintaining compliance is not just about legal requirements. It shows that you value your employees’ wellbeing every day.

This is particularly important for growing businesses. When your team feels safe, they are more likely to stay, perform better, and contribute to your success.

Health and safety and fire extinguisher readiness

One overlooked area of health and safety is fire extinguisher use. Many businesses invest in extinguishers but fail to train staff properly. During a fire, knowing how to react can prevent costly damage and injuries.

It is important to:

  • Recognise different types of extinguishers, such as Class A for wood and paper or Class E for electrical fires.

  • Understand that using the wrong extinguisher could worsen the situation.

  • Follow the simple PASS method: Pull, Aim, Squeeze, Sweep.

Training your team ensures they are ready to act if needed. Still, if a fire becomes dangerous, evacuation must be the priority. Lives should always come first.

Health and safety during workplace medical emergencies

Medical emergencies can happen at any time. Therefore, businesses must ensure their teams are ready to respond calmly and correctly.

Important first actions include:

  • Calling 999 immediately for professional support.

  • Providing first aid only if you are trained to do so.

  • Avoiding unnecessary movement of injured employees to prevent harm.

Different emergencies require different responses. For seizures, employees should be rolled onto their side and hazardous objects removed. For bleeding, apply pressure without removing blood-soaked cloths. During a heart attack, keeping the employee calm and seated can make a difference. Quick, informed action can save lives.

Health and safety and maintaining a safe workplace

Keeping a safe workplace is a continuous effort. Health and safety training is not a one-off activity. Businesses must review safety procedures regularly, keeping them up-to-date and relevant.

Here are some essential tips:

  • Update fire extinguisher training every year.

  • Offer refresher first aid courses to staff.

  • Regularly test emergency equipment and evacuation procedures.

  • Encourage a culture where employees report hazards early.

Maintaining clear policies also demonstrates to insurers that you are a low-risk business. This can support better insurance terms and protect you financially if a claim arises.

How Robison & Co supports your health and safety efforts

At Robison & Co, we understand how important health and safety are to business success. Strong safety procedures protect your people, but they also safeguard your future. Our bespoke insurance solutions are designed to work alongside your internal policies to give you full peace of mind.

We help you by:

  • Offering tailored business insurance that reflects your real risks.

  • Providing risk management advice to improve workplace safety.

  • Supporting policyholders with claims when accidents happen.

Your business deserves protection that works as hard as you do. That is why, at Robison & Co, we are by your side, helping you prepare for whatever the future holds.

To discuss a new or existing policy, please get in touch with us via one of the options below!

01730 265500 | hello@robison.co.uk | Contact request form

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Insurance broker – How can they help you?

Insurance Broker: How Can They Help You?

Securing the right insurance often feels overwhelming and confusing. With so many options available, determining the best policy for your needs can be challenging. This is where an insurance broker becomes invaluable, especially when looking for a bespoke policy.

What is an Insurance Broker?

An insurance broker acts as a middleman between you and the insurance companies. Unlike agents who work for specific insurers, brokers represent you, the customer. Their primary goal is to find the best possible coverage tailored to your unique needs. They access a wide range of policies from various insurers, providing the flexibility to offer bespoke insurance solutions.

Expertise and Knowledge

One of the most significant advantages of working with an insurance broker lies in their expertise and in-depth knowledge of the industry. Brokers stay updated with the latest changes in regulations and market trends. As a result, they can provide accurate advice and recommendations.

Understanding Complex Policies

Insurance policies often contain complex jargon that makes understanding them difficult. An experienced insurance broker breaks down these complexities, explaining terms and conditions in simple language. Consequently, this clarity helps you make informed decisions without becoming overwhelmed by technicalities.

Tailored Advice

Every individual and business has unique insurance needs. Therefore, a one-size-fits-all approach does not suit everyone. Insurance brokers take the time to understand your specific requirements and offer tailored advice that aligns with your circumstances.

Access to Multiple Options

Working with an insurance broker gives you access to multiple options from various providers. Unlike dealing directly with a single insurer, brokers present a broader range of policies, ensuring you are not limited to one company’s offerings.

Competitive Pricing

Because brokers have relationships with multiple insurers, they can often negotiate better rates on your behalf. As a result, this competitive pricing ensures that you get value for your money without compromising your coverage.

Bespoke Insurance Solutions

One of the unique features of using an insurance broker is their ability to offer bespoke insurance solutions. Whether you need specialized coverage for high-value items or unique business risks, brokers tailor policies specifically designed to meet your needs.

Time-Saving Convenience

Shopping around for insurance quotes can be time-consuming and stressful. An insurance broker takes this burden off your shoulders by doing all the investigating and analyzing for you.

Streamlined Process

From gathering quotes to filling out paperwork, brokers handle every aspect of the process efficiently. Consequently, this streamlined approach saves you time and reduces hassle, allowing you to focus on other important aspects of your life or business.

Claims Assistance

Filing an insurance claim can be daunting and often time-consuming. An experienced broker guides you through this process, ensuring all necessary documentation gets submitted correctly and promptly. They also contact your insurer on your behalf, further removing the burden from you.

Impartiality and Trustworthiness

Since brokers work independently and are not tied to any particular insurer, they offer impartial advice aimed at serving your best interests. Therefore, you can trust their guidance.

Building Long-Term Relationships

A good broker aims to build long-term relationships based on trust and mutual respect. They provide ongoing support even after you’ve purchased a policy, helping you review and adjust coverage as needed over time, as well as assisting with claims.

The Smart Choice

Choosing an insurance broker offers numerous benefits. From expert advice and access to multiple options to competitive pricing and bespoke solutions tailored specifically to your needs—all while saving you valuable time and effort.

In today’s complex world where risks constantly evolve, having an experienced insurance brokerage like Robison & Co as your knowledgeable ally makes navigating these challenges significantly easier.

So, next time you need insurance, consider reaching out to a professional insurance broker. This decision will bring peace of mind, knowing you’re fully protected if the “what if” comes to pass!

Robison & Co staff picture of Insurance brokers

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Key Insurance Terms You Need To Know

Navigating Insurance Lingo: Your Guide to Understanding Key Insurance Terms

Navigating insurance terminology can feel like navigating a confusing maze, but don’t worry! We’re here to guide you through it in a friendly and approachable manner. Whether you’re a seasoned insurance pro or just dipping your toes into the world of coverage, understanding the language used in insurance policies is essential. So, let’s break down some of the most common insurance terms together!

Average Clause:

A provision reducing a valid claim based on the degree of under-insurance.

Capital Additions Clause:

This clause covers alterations or additions to existing premises or newly acquired buildings, as well as additional computer or office equipment.

Conditions:

These are additional provisions in an insurance policy outlining procedures, qualifications, or important stipulations. Conditions may include:

  • Conditions precedent of the policy, relieving the insurer of all liability if not observed.
  • Conditions precedent to liability, relieving the insurer of liability for a particular claim if not observed.
  • Conditions subsequent, which don’t prejudice claim payment but entitle insurers to counterclaim damages.

Data Protection Act:

This covers liability incurred under Sections 22 and 23 of the Data Protection Act 1984, related to personal data. Exclusions include fines, penalties, and the cost of data replacement or rectification.

Debris Removal Clause:

It covers costs of removing debris, dismantling, demolishing, and shoring up.

Definition of Employee:

This term encompasses individuals under contract with the insured, labour masters and their workers, subcontractors, self-employed individuals, students or interns under supervision, and hired or borrowed workers.

Excess:

The portion of loss borne by the insured before insurance coverage applies (also known as a deductible).

Green Card:

An international certificate of insurance for motorists traveling abroad.

Health & Safety at Work Defence Costs:

Covers expenses for defending against criminal proceedings related to breaches of health and safety regulations.

Indemnity:

This principle aims to restore the insured to their pre-loss position as much as possible.

Indemnity Period:

It applies to Business Interruption Insurance, specifying the maximum period during which the policy protects against business interruptions due to damage.

Indemnity to Other Persons:

This extends indemnity to directors, employees, and members of related organizations.

Indemnity to Principal:

Provides indemnity to public or local authorities, with insurers controlling all claims.

Limit of Indemnity:

The maximum amount for which the insurer is liable under the policy.

Long Term Undertaking (LTU):

An agreement offering premium discounts for policy renewal at existing terms for a specified period.

Other Interests:

Parties with vested interests must declare them to insurers in case of loss.

Prevention of Access:

Covers property damage hindering access to premises.

Reinstatement Day One Non-Adjustable:

Initial cost of reinstatement plus an agreed inflation percentage.

Subrogation:

The insurer’s right to step into the insured’s shoes to pursue rights and remedies.

Sum Insured:

The policy’s liability limit.

Unoccupied Premises Warranty:

Conditions for maintaining security and inspecting unoccupied premises.

Warranty:

A condition imposed by the insurer, which, if not met, can discharge the insurer from liability. Types include:

  • Express Warranty: Specific undertakings by the insured.
  • Implied Warranty: Related to the seaworthiness or legality of an adventure, mainly in marine insurance.

 

Understanding these key insurance terms puts you in the driver’s seat when it comes to protecting yourself, your loved ones, and your assets. If you ever find yourself unsure about any insurance terminology or need assistance with your policy, don’t hesitate to reach out to your insurance agent. They are there to help you navigate the ins and outs of insurance coverage with confidence.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Under-Insurance

Understanding and Preventing Under-Insurance

Under-insurance occurs when a policyholder’s insurance coverage is insufficient to meet their needs. This can result in a claim amount that exceeds the maximum payout the insurance company will cover. Consequently, the policyholder may face a shortfall, leading to significant financial losses for the organisation. To avoid this, it’s crucial to take proactive measures. Here are six effective ways to prevent under-insurance:

Regularly Value Business Assets Accurately

It’s essential to frequently assess the value of your business assets to ensure your insurance coverage remains adequate. While businesses can perform these valuations themselves, hiring a professional can provide a more precise assessment.

Provide the Correct Rebuilding Cost

When insuring your property, always provide the insurer with the cost of rebuilding it, not its market value or the original purchase price. The rebuilding cost ensures your coverage reflects the actual expense of restoring your property in case of damage.

Calculate and Report Actual Total Revenue

To ensure adequate coverage, calculate your actual total revenue and report this figure to your insurance company. Accurate revenue reporting helps the insurer assess potential risks associated with your operation and provide appropriate coverage.

Determine an Appropriate Indemnity Period

Select an indemnity period that allows your business sufficient time to recover from any incurred loss. An appropriate indemnity period ensures you have enough time to restore operations without financial strain.

Increase Sums Insured in Line with Inflation

Regularly adjust your sums insured to keep pace with inflation. This practice ensures that your coverage remains sufficient to meet rising costs over time.

Review and Update Your Policy Wording

Periodically review your policy wording to ensure it offers the broadest cover for your needs. Update the policy whenever there are significant changes in your business to maintain comprehensive protection.

 

By taking these steps, businesses can significantly reduce the risk of under-insurance and ensure they are adequately protected against potential financial losses. Regular evaluations, accurate reporting, and proactive adjustments to insurance policies are key to maintaining sufficient coverage and safeguarding your business’s financial stability.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Unoccupied Buildings due to lockdown

On Monday 4 January the UK Government announced a further national lockdown and we  felt it was important to remind our customers of the impact this situation has on property insurances and the support and guidance we/your insurers can offer in the management of unoccupied buildings during this challenging time.

We are in a slightly different situation to previous lockdowns in that insurers were providing blanket responses to properties that were forced to close without restrictions in cover. Whilst some Insurers are continuing to provide blanket cover, this time the reaction is less co-ordinated and will have to based on individual circumstances. 

All customers who have a property insurance element to their policy have a minimum (14, 30 or perhaps 60) day definition of unoccupancy/empty in their policy, If a building is unoccupied for in excess of the specified period in the policy, we would ask that customers notify us immediately so that we can discuss your individual circumstances and ensure you receive the right advice and wherever possible maintain full cover. Failure to advise us could mean important elements of your cover are automatically withdrawn, the last thing any of us need with us moving into the coldest part of the year with freezing conditions and adverse weather.

I would urge you to discuss your individual circumstances with your Account Executive.