Accidents at work will happen – are you covered?

Accidents at work and ill‐health in the workplace is more commonplace than anyone would like, with more than 150,000* non‐fatal injuries occurring in the workplace each year and an estimated two million people suffering from ill health which is caused, or made worse by work.

A good health and safety regime in the office is not only a legal requirement, but can help minimise the chances of an aacident at work or illness occurring. Appropriate insurance is also a must to protect yourself, your employees and visitors.

There are some simple steps you can take to minimise the chances of an incident happening in the workplace.

The HSE recommends carrying out a 5 step risk assessment of the office as follows:

1. Identify the hazards

2. Decide who might be harmed and how

3. Evaluate the risks and decide on precautions

4. Record your findings and implement them

5. Review your assessment and update if necessary

It’s also important to have Employers’ Liability and Personal Accident insurance in place to cover you should an employee injure themselves in an accident at work.

No two businesses are the same and the risks you face need to be carefully considered. Speak to a specialist broker to find the policy that meets your needs, at a price that’s right.