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Fire Safety

April 28, 2025 by Cicely Fry

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

Filed Under: Construction, Fire Safety, News, Workplace Wellness

January 20, 2021 by Simon Gubbins

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.

Filed Under: Accommodation Restaurant & Food Services, Breweries, Construction, Fire Safety, Manufacturing, Media & Advertising, News, Not For Profit, Office Risk Insights, Professions, Real Estate, Retail, Small Business, Technology, Transport, Wholesale

January 15, 2021 by Simon Gubbins

FCA TEST CASE – COVID-19 Losses – Supreme Court Decision announced today.

The Supreme Court judgment in the FCA Business Interruption Test Case was published today. The full judgment together with a copy of the FCA’s press release is available here.
 

In concert with our Network provider Marsh and specialist Law Firm Fenchurch Law, we are reviewing the content of the judgment in detail. However, the key message is that the Supreme Court substantially allowed the appeal of the FCA on behalf of policyholders and dismissed the appeal brought by insurers. Notably finding the following:

  • Notifiable Disease Clauses – while the Supreme Court took a different approach to the High Court, it confirmed that all the disease clauses before the Court were triggered;
  • Prevention of Access / Hybrid Clauses – cover under these clauses still faces challenges but may be triggered more readily. No requirement for a legislative step ordering closure and potential cover for loss of access to part of premises;
  • Trends Clauses – the Supreme Court was clear that trends clauses can only take into account factors wholly unrelated to COVID-19 and rejected the “wide area damage” arguments of insurers;
  • Orient Express – the Supreme Court determined that the Orient Express case was wrongly decided and that it should be overruled. This decision therefore has positive consequences for insureds beyond the scope of COVID-19 claims. 

Next steps
We expect to be able to issue a further communication next week, to provide more detail about the key findings in the judgment and we will let you have further details when we are able. Please speak with your Account Executive if you have any questions or concerns regaring the implications following this judgement.

Filed Under: Accommodation Restaurant & Food Services, Breweries, Construction, Credit insurance, Cyber, Fire Safety, Manufacturing, Media & Advertising, News, Not For Profit, Office Risk Insights, Private Clients, Professions, Real Estate, Retail, Small Business, Technology, Transport, Travel Insurance, Wholesale, Workplace Wellness

November 13, 2020 by Simon Gubbins

10 COVID-19 related insurance tips for SME’s

Over the last few months, we have released a number of updates relating to the insurance implications of the COVID-19 pandemic. Now that we are back in Lockdown 2, I thought it timely to  bring an excellent summary to your attention that our industry body BIBA have released in conjunction with the CBI and the ABI. It’s a very concise and informative document which highlights 10 keys issues for anyone involved in running a business. I would encourage you to follow the link HERE. Please make contact with us if you need to discuss your own circumstances.

Filed Under: Accommodation Restaurant & Food Services, Breweries, Construction, Credit insurance, Cyber, Fire Safety, Manufacturing, Media & Advertising, News, Not For Profit, Office Risk Insights, Private Clients, Professions, Real Estate, Retail, Small Business, Technology, Transport, Travel Insurance, Wholesale, Workplace Wellness

June 12, 2020 by Robison & Co

FCA Test Case

The FCA have taken their next step to seek legal clarity on Business Interruption Insurance following the COVID-19 crisis. Why are the FCA taking this step? Broadly, the result of the test case will be legally binding on the insurers that are party to the case and it will also provide a persuasive case for similarly worded policies. If you would like to read a summary report, please click HERE for an article we have copied on Linkedin. For a more in=depth report including the particulars of the claim and some policy wording examples from the FCA website please click HERE

Filed Under: Accommodation Restaurant & Food Services, Breweries, Construction, Credit insurance, Cyber, Fire Safety, Manufacturing, Media & Advertising, News, Not For Profit, Office Risk Insights, Private Clients, Professions, Real Estate, Retail, Small Business, Technology, Transport, Travel Insurance, Wholesale, Workplace Wellness

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  • Health and safety at work: What every business must know
  • UK business tariffs: What you need to know after the latest US changes
  • Distracted driving: Protecting your people and your business
  • Preventing theft and vandalism: How you can protect your business
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