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CUTTING DOWN THE RISKS
Page 31
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• If people are looking to minimise their public liability premiums, you need to work with your insurer to ask what minimum standards they require from you." says the Association of British Insurers (HI). And one area in particular is worth looking into, as Keith Ward of broker FHI (Northern) explains: -Insurers are very much into health and safety issues and want their clients to be complying with every aspect of the Health & Safety at Work Act," he says. "If you're not, it won't take a third party lawyer long to find out, and then you're on a loser. Keep your risk assessments and health and safety policy statements up to date. Up until the last couple of years. it is amazing how many people were doing next to nothing."
For hauliers who feel they are struggling with health and safety issues. the Royal Society for the Prevention of Accidents (RoSPA) can offer advice. "Insurers might link premiums with health and safety action plans." says a RoSPA spokesman. "If you can prove you are a very safe company in a high risk industry, why should you pay the penalty for those who are not?
Ii. "Smaller firms in particular can be frightened by health and safety legislation but rather than sticking your head in the sand, we can advise you on safety audits. As a result, you will have a safer workplace for employees and the public who deal with you and this is something you can put forward to your insurer"