premium notification - microsoftbtckstorage.blob.core.windows.net/site1349/ccp 2150266 - training...

Ansvar Insurance is a business division of Ecclesiastical Insurance Office plc. Registered Office: Beaufort House, Brunswick Road, Gloucester, GL1 1JZ. Registered number: 24869 England. Member of the Associationof British Insurers and the Financial Ombudsman Service. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

PREMIUM NOTIFICATION

Date of Issue 16/05/14

Agent

Giles Insurance Brokers Ltd Temple Point 7th Floor, 1 Temple Row Birmingham B2 5YB

3857

Policyholder

Training 4 Transition Limited 33 High Road London E18 2QW

ReasonCCP 2150266Policy Number

Policy Type

Telephone: 0121 200 4920

281362

Ansvar InsuranceAnsvar HouseSt Leonards RoadEastbourne, East SussexBN21 3UR

Tel:Fax:www.ansvar.co.uk

Renewal.

Charity & Community Connect

Premium £647.60 by Instalments

Insurance Premium Tax (IPT) £38.86

Total Premium £686.46

Number of claims in previous insurance year: 0

Your Long Term Undertaking expires at Renewal 2018

Period of Insurance from 0:01 Hrsto Midnight 15/05/15

16/05/14

0845 60 20 999 or 01323 73754101323 644082

Archive Information


PREMIUM NOTIFICATION

Date of Issue 16/05/14



Demands and NeedsPlease review the current sums insured, limits of indemnity and the level of cover under your policy to ensure it remains sufficient for your needs and contactyour insurance advisor or us to discuss any amendments that may be required to your policy.

Notes applying to renewal of your policy1.

2.

3.

4.

5.

6.

Please note that you must take the necessary action to renew your policy before the renewal date to ensure that you remain covered. Please refer to yourinsurance advisor or us if you have any questions about the renewal of your policy.a)

b)

Any material changes or alterations to the risk since inception of the policy or from the last renewal date, if not already advised to us, must now beprovided. If you are in any doubt whether certain facts are material, these facts should be disclosed. You should keep a record (including copies of letters)of any information you give to your insurance advisor or us when renewing the policy.If an incident resulting in a claim occurs between the preparation of this document and the renewal date we retain the option to alter or withdraw theterms of the renewal offer.a)

b)

You may have difficulty obtaining the cover you currently have should you decide to cancel or not renew your policy, for example if you live in an areaprone to flooding or subsidence.

Annual payment must be made to your insurance advisor or us before the renewal date. No obligation rests on us to accept the premium if paid afterthe renewal date.Premiums paid by instalments to us - no action is needed if you intend to renew the policy. If you decide not to renew your policy, please cancel thedirect debit mandate and return any Employers Liability Certificate.

Your last declared income and wage roll figures are shown in the schedule. If these figures have changed by more than 10%, please inform yourinsurance advisor or us as it may be necessary to reassess your renewal terms.We may require you to complete a declaration form in advance of your renewal date and this must be returned to your insurance advisor or us by thestated date, otherwise a premium increase may be incurred.

0845 60 20 999 or 01323 73754101323 644082

Our documentation is now amended as follows: Ansvar is a trading name of Ecclesiastical Insurance Office who areauthorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PrudentialRegulation Authority.

Please note that as from the first renewal date of your policy after the 31st March 2014 cover will be subject to theunder-mentioned changes where applicable. Not all of our policy types include a buildings or contents section, soplease ignore any comments relating to them if your policy is one of these. The specific changes to your policy aredetailed on endorsement '407 April 2014 Revisions' which is shown on the attached renewal policy schedule. Theendorsement will include some, if not all, of the following:

Under the sections for Buildings, Contents and All Risks (where appropriate and operative)

1. We have rewritten the text relating to the section limits of cover and automatic reinstatement of sum insured. This isto clarify our intent that: a) b)

2. Mechanical and electrical breakdown exclusions are now less restrictive.

3. Inner limits have now been imposed for the following covers/extensions:

4. Under our Charity and Community Connect and Business policies we have: a) b)

NOTICE TO POLICYHOLDERS

REGULATORY CHANGES

POLICY AMENDMENTS

the most we will pay in any one period of insurance is the sum insured shown in the schedule, andwe may require additional premium to reinstate the sum insured after a claim payment.

Damage to underground services extension - £10,000Glass extensions where no other limit currently applies - £10,000Theft damage to buildings extension - £25,000

clarified that the bursting of boilers exclusion does not apply to boilers used for domestic purposes only, andadded an exclusion for electrical plant caused by self-ignition.

Ansvar Insurance, Ansvar House,

St Leonards Road, Eastbourne, East Sussex BN21 3UR

Tel: 0845 60 20 999 or 01323 737541

Email: [email protected]

Business Division of Ecclesiastical Insurance Office plc. Registered Office: Beaufort House, Brunswick Road, Gloucester GL1 1JZ.

Reg. No: 24869 England. Member of: Association of British Insurers | Financial Ombudsman Service

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

| Fax: 01323 744284

| Web: www.ansvar.co.uk

0845 60 20 999 or 01323 73754101323 644082


THE SCHEDULE: Attaching to and forming part of the policy bearing the number below and written upon policy form FA58.

Training 4 Transition Limited 33 High Road London E18 2QW

Policyholder

Agent

Giles Insurance Brokers Ltd Temple Point 7th Floor, 1 Temple Row Birmingham B2 5YB

3857

CCP 2150266

Premium £647.60Period of Insurance from 0:01 Hrs

Telephone: 0121 200 4920

281362

Date of Issue Page 00116/05/14

Subject to the terms and conditions of the policy the insurance is for the period shown.

Renewal.revised renewal

to Midnight 15/05/15

16/05/14

Charity & Community Connect

by Instalments

Insurance Premium Tax (IPT) £38.86

Total Premium £686.46



ReasonPolicy Number

Policy Type

Your Long Term Undertaking expires at Renewal 2018

AIMS OF THE INSURED:To create employment, training & work experience opportunitiesfor people with learning disabilities through gardening &environmental projects.Excluding any recycling work/projects.-CHARITABLE ACTIVITIES OF THE INSURED:Gardening projects - helping disabled/older people & training.Plant sales.Additional Location used :- Allotment atWards Road, Ilford, IG2 7EL-PROFESSIONAL SERVICES:(only applicable if Section 9 'Professional Indemnity'is operative.)

0845 60 20 999 or 01323 73754101323 644082


Date of Issue Page 002

Policy No CCP 2150266

16/05/14

SCHEDULE

1 2 3 4 5 6 7 8 9

10

11

NOT OPERATIVE£0£0

NOT OPERATIVE£0£0£0

OPERATIVE£9,459

OPERATIVE£2,500£2,500

£10,000£100

NOT OPERATIVE£0£0£0£0

NOT OPERATIVE£0

OPERATIVE£10,000,000

£18,000

OPERATIVE£2,000,000

£100,000£18,500

NOT OPERATIVE£0

NOT OPERATIVE£0

NOT OPERATIVE£0

BUILDINGS Sum Insured Tenants improvements

CONTENTS Contents Electronic and computer equipment Stock

ALL RISKS Sum Insured (as per enclosed specification)

MONEY See Policy Wording Limit in Safe Personal Accident (Assault) Capital Benefits Weekly Benefits

BUSINESS INTERRUPTION A - Loss of Income (max. indemnity period 00 months) B - Extra Expenses (max. indemnity period 00 months) C - Gross Profit (max. indemnity period 00 months) D - Rental Income (max. indemnity period 00 months)

BOOK DEBTS Sum Insured

EMPLOYERS LIABILITY Indemnity Limit Total wages

PUBLIC & PRODUCTS LIABILITY Indemnity Limit including Libel and Slander Declared income

PROFESSIONAL INDEMNITY Indemnity Limit Retroactive date -

PROPERTY OWNERS LIABILITY Indemnity Limit

LOSS OF LICENCE Sum Insured

£150

£75

£250

SECTION COVEREXCESS(Unless another amount is stated byendorsement or in the policy wording)

Location: Seven Kings Park, Aldborough Road South, Ilford, Essex, IG3 8QPYour No Claims Discount is 7 year(s)



0845 60 20 999 or 01323 73754101323 644082




16/05/14

SCHEDULE

12

13

14

15

16

17

18

19

20

NOT OPERATIVE

NOT OPERATIVE£0£0

NOT OPERATIVE£0£0

NOT OPERATIVE£0£0£0

OPERATIVE£250,000

NOT OPERATIVE£0

NOT OPERATIVE£0

NOT OPERATIVE£0

OPERATIVE£100,000

PERSONAL ACCIDENT COMPUTER BREAKDOWN Computer equipment Data REFRIGERATED CONTENTS Limit any one Unit Total Sum Insured GOODS IN TRANSIT Own Vehicle Limit Limit any one package Limit any one consignment TRUSTEES & DIRECTORS INDEMNITY Indemnity Limit Retroactive date - FIDELITY GUARANTEE Indemnity Limit Retroactive date - LOSS OF REPUTATION Sum Insured MOTOR POLICY COMPENSATION Limit any one driver/person LEGAL EXPENSES Indemnity Limit

£250

SECTION EXCESS(Unless another amount is stated byendorsement or in the policy wording)

COVER



0845 60 20 999 or 01323 73754101323 644082




16/05/14

SCHEDULE

008 - Manual Work Away Extension (Public Liability) 098 - Miscellaneous Endorsement 407 - April 2014 Revisions

062 - Declarations 215 - Activities 884 - Long Term Undertaking (5 Years)

Endorsements



0845 60 20 999 or 01323 73754101323 644082

Policy No CCP 2150266 ALL RISKS SPECIFICATION

ItemNo

DescriptionGeographical

LimitsSum

Insured

1 2 3 4

Digital camera Unspecified office equipment with a single item limit of £500. Items over £500 are not insured unless separately specified. Unspecified gardening equipment with a single item limit of £500. Items over £500 are not insured unless separately specified. Trolley

£ 232

£ 4,706

£ 1,934

£ 2,587

Location: Seven Kings Park, Aldborough Road South, Ilford, Essex, IG3 8QP

Total: £ 9,459

A - Premises B - British Isles C - Worldwide D - As Policy Wording E - Bank Premises

B B B B

16/05/14Date of Issue Page 005 Ansvar Insurance is a business division of Ecclesiastical Insurance Office plc. Registered Office: Beaufort House, Brunswick Road, Gloucester, GL1 1JZ. Registered number: 24869 England. Member of the Association

of British Insurers and the Financial Ombudsman Service. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.



0845 60 20 999 or 01323 73754101323 644082



16/05/14

ENDORSEMENTS

98 MISCELLANEOUS ENDORSEMENT PUBLIC AND PRODUCTS LIABILITY EXCLUSION - RECYCLING WORKUnder section 8 (Public and Products Liability) we do not cover any liability arising directly or indirectly out of any:

related to recycling.

work or collection or delivery, or other activities

●

●

●




0845 60 20 999 or 01323 73754101323 644082



16/05/14

ENDORSEMENTS

215 ACTIVITIES

1. YOUR ACTIVITIESSubject to the terms, exceptions and conditions of the policy, the definition of your activities is deemed to include:

2. EXCLUDED ACTIVITIES (PUBLIC AND PRODUCTS LIABILITY)The following exclusions are added to WHAT IS NOT COVERED under section 8: a)

b)

c)

d)

3. PROFESSIONAL SUPPLIERS CONTINGENCY EXTENSION (PUBLIC AND PRODUCTS LIABILITY)Section 8, subject to its terms, exceptions and conditions, extends to cover the following specified activities whilst under the overall control of anyprofessional supplier subject to the special requirement for Insurance Checks for Professional Suppliers of Activities:

attendance at trade shows, exhibitions, conferences, meetings and seminarsclean-ups and litter picksclerical and non-manual workcollection and delivery workdomestic work, including domestic gardeningfirework and/or bonfire events (not organised or run by a professional supplier), not exceeding an attendance of 100 persons at any one timefundraising events, other than your firework and/or bonfire events, not exceeding an attendance of 1,000 persons at any one timerecreational activities not otherwise excluded in ‘2. EXCLUDED ACTIVITIES (PUBLIC AND PRODUCTS LIABILITY)’ below.

Liability arising from any of the following activities: i.

ii.

iii.

Liability arising from any activity that involves the use of

Liability arising from any activity that involves the ownership, possession or use by you or on your behalf, or by any person entitled to cover under thissection, of any:

for which compulsory motor insurance or security is not required.

Liability, other than liability relating to products, for any mobility equipment hired or loaned out by you.

abseilingaerial runwaysair rifle shootingarcheryassault coursesBMX ridingclay pigeon shootingclimbing wallclimbing with ropes

football where: - your football team(s) is (are) participating in a league system (including official training and practice sessions) - you manage, control or organise a football league system.

water activities (other than swimming, snorkelling, surfing, windsurfing or the use of non-mechanically propelled watercraft not exceeding ninemetres in length whilst operated on inland waterways only or within three miles of the coast provided they are not used in any white water activity).

motor car, van, lorry, motor unit of an articulated lorry, coach, bus, mini-bus, quad bike, go-kart, motorcycle, motor tricycle, motor scooter or mopedtrailer used for carrying people (whether fare paying or not)

airborne lanternsbicycles other than for normal road usecables or wireselastic ropesfireworks or explosive items (other than as specifically coveredunder your activities)land, kite or fly boards of any kind land, sand or ice yachts of any kind motorised fairground ridesroller blades

gymnasticshorse, pony or donkey riding of any kindmartial arts or fighting sports of any kindparkour or freerunningprofessional sport of any kindracing or time trials (other than on foot)rugbyunderground activities of any kind including but not limited tocaving and potholingweightlifting.

sandboards skatesskateboardsskissledssnowboardssnow tubes of any kindtobogganswater based play inflatablesweaponry.

dry slope skiing or boardinggo-kartinggymnasticshorse, pony or donkey ridingice skatinginflatable play equipmentjavelin throwingland, kite or fly surfing or boardingland, sand or ice yachting

motorised fairground ridespaint-ballingroller bladingroller skatingrope coursesskateboardingweightliftingzip wireszorbing.

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

abseilingaerial activities of any kindAmerican football or Australian rules footballclimbing requiring the use of hands as well as feet (other thanchildren’s playground equipment)fire walkingfirework and/or bonfire events organised or run by anyprofessional supplierglacier walking or trekkingGaelic footballgorge walking and the like

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●

●




0845 60 20 999 or 01323 73754101323 644082



16/05/14

ENDORSEMENTS

407 APRIL 2014 REVISIONS

SECTION 1 BUILDINGS

1.

2.

3.

4.

5.

SECTION 2 CONTENTS

6.

7.

8.

9.

10.

Continued...

The following exclusion is added to the overall section exclusions at the beginning of this section: 4.

Event 1 – Fire, subterranean fire, explosion, lightning or earthquake - Exclusion 2.a) is deleted and replaced by the following: 2. a)

Event 13 – Accidental damage - Exclusion 4 is deleted and replaced by the following: 4.

Extension 3 - Underground Services - is now subject to the following limitation of cover:The most we will pay is £10,000 for any claim.

Claims settlement for Buildings - the LIMITS and AUTOMATIC REINSTATEMENT OF SUM INSURED paragraphs are deleted and replaced by the following:

LIMITSThe most we will pay in any one period of insurance for each buildings item shown in the schedule is its sum insured, unless such sum insured isreinstated after a claim in accordance with the Automatic Reinstatement of Sum Insured.The sum insured will be adjusted for any index-linking increases up to the completion of reinstatement where applicable.Under the extensions to this section, any payment we make will only be in addition to the above where a specific extension limit applies.AUTOMATIC REINSTATEMENT OF SUM INSUREDThe buildings sum insured shown in the schedule will be reinstated by the amount of any claim we pay, unless we or you give notice to the contrarywithin 30 days of notification of the claim to us and provided that, if we so require, you will: a) b)

The following exclusion is added to the overall section exclusions at the beginning of this section: 4.

Event 1 – Fire, subterranean fire, explosion, lightning or earthquake - Exclusion 2.a) is deleted and replaced by the following: 2. a)

Event 13 – Accidental damage - Exclusion 2. d) is deleted and replaced by the following: 2. d)

Event 13 – Accidental damage – the following new exclusion is added: 3.

Under extension 1 - Glass and Sanitary Fittings - the current limitations for claim payments are deleted and replaced by the following:

Damage to any electrical plant or apparatus caused by self-ignition but this exclusion shall apply only to that part of the electrical plant or apparatusin which self-ignition occurs.

Explosion damage:consisting of the bursting of a boiler (other than a boiler used for domestic purposes only), economiser or other vessel, machine or apparatus,belonging to you or under your control, in which internal pressure is due to steam only

Damage consisting of mechanical or electrical breakdown or derangement in respect of the particular machine, apparatus or equipment in which suchbreakdown or derangement originates.

pay an additional premium based on a proportional part of the annual premium to reinstate the sum insuredtake immediate steps to carry out any damage prevention measures that we may specify.

Damage to any electrical plant or apparatus caused by self-ignition but this exclusion shall apply only to that part of the electrical plant or apparatusin which self-ignition occurs.

Explosion damage:consisting of the bursting of a boiler (other than a boiler used for domestic purposes only), economiser or other vessel, machine or apparatus,belonging to you or under your control, in which internal pressure is due to steam only

Damage caused by, resulting from or consisting of:use contrary to the manufacturer’s instructions


The most we will pay for any claim:

unless otherwise agreed by us in writing.

under b) and d) is £5,000 in totalfor fixed toughened, armoured, wired, curved, leaded, engraved, stained, coloured or other special glass in total is £5,000for breakage of lamps or signs is £5,000other than above is £10,000

●

●

●

●




0845 60 20 999 or 01323 73754101323 644082



(Final Page of Schedule)16/05/14

ENDORSEMENTS

407 APRIL 2014 REVISIONS

Continued...

11.

12.

SECTION 3 ALL RISKS

13.

14.

15.

ENDORSEMENTS (printed at end of policy wording)

16.

Extension 2 - Theft Damage to Buildings - is deleted and replaced by the following:

Claims settlement for Contents - the LIMITS and AUTOMATIC REINSTATEMENT OF SUM INSURED paragraphs are deleted and replaced by the following:

LIMITSThe most we will pay: a)

b)

AUTOMATIC REINSTATEMENT OF SUM INSUREDThe contents sum insured shown in the schedule will be reinstated by the amount of any claim we pay, unless we or you give notice to the contrarywithin 30 days of notification of the claim to us and provided that, if we so require, you will: a) b)

Exclusion 3. d) is deleted and replaced by the following: 3. d)

The following new exclusion is added: 6.

Claims settlement for All Risks - the LIMITS and AUTOMATIC REINSTATEMENT OF SUM INSURED paragraphs are deleted and replaced by the following:

LIMITSThe most we will pay in any one period of insurance for each item listed in the All Risks Specification of the schedule is its sum insured, unless such suminsured is reinstated after a claim in accordance with the Automatic Reinstatement of Sum Insured.The sum insured will be adjusted for any index-linking increases up to the completion of reinstatement where applicable.Under the extensions to this section, any payment we make will only be in addition to the above where a specific extension limit applies.AUTOMATIC REINSTATEMENT OF SUM INSUREDThe sum insured for any item listed in the All Risks Specification of the schedule will be reinstated by the amount of any claim we pay, unless: a) b)

Under endorsement 34 - Glass and Sanitary Fittings (Buildings) - the current limitations for claim payments are deleted and replaced by the following:The most we will pay for any claim:

unless otherwise agreed by us in writing.

in respect of any claim for:

in any one period of insurance for each contents item shown in the schedule is its sum insured, unless such sum insured is reinstated after a claimin accordance with the Automatic Reinstatement of Sum Insured.The sum insured will be adjusted for any index-linking increases up to the completion of reinstatement where applicable.Under the extensions to this section, any payment we make will only be in addition to the above where a specific extension limit applies.


Damage caused by or resulting from:use contrary to the manufacturer’s instructions


the claim relates to the total loss of any specified item, orwe or you give notice to the contrary within 30 days of notification of the claim to us and provided that, if we so require, you will: i. ii.

under b) and c) is £5,000 in totalfor fixed toughened, armoured, wired, curved, leaded, engraved, stained, coloured or other special glass in total is £5,000for breakage of lamps or signs is £5,000other than above is £10,000

antiques, pictures, works of art, items of precious metal, manuscripts, books or other property retaining any antiquity or special value, unlessotherwise agreed by us in writing, is: i. ii.electronic data is 5% of the contents sum insured or £2,500, whichever is greater


●

●

WHAT IS COVERED2 THEFT DAMAGE TO BUILDINGSWe will pay for damage to the buildings arising out of theft, orattempted theft involving forcible and violent means to enter orleave the buildings provided you are legally responsible for makinggood such damage.

The most we will pay is £25,000 for any claim.

WHAT IS NOT COVERED

1. a) b) c) 2.

Damage:occurring while the buildings are unoccupiedcaused by fire or explosionwhich is insured elsewhere in this policy.Loss by theft, or attempted theft, of any part of the buildings

£2,500 for any one item£10,000 in total

●

●

●

●







CERTIFICATE OFEMPLOYERS' LIABILITY INSURANCE (a)

(Where required by regulation 5 of the Employers' Liability (Compulsory Insurance) Regulations 1998 (theRegulations), one or more copies of this certificate must be displayed at each place of business at which thepolicyholder employs persons covered by the policy).

IMPORTANT NOTICE TO POLICYHOLDERS

Under the terms of the Employers' Liability (Compulsory Insurance) (Amendment) Regulations 2008 the requirement todisplay a certificate will be satisfied if it is made available in electronic form and each relevant employee to whom itrelates has reasonable access to it in that form.

Certificates of Insurance must clearly state the name of the policyholder and, where applicable, make reference to insuredsubsidiary companies.

As required by your policy terms, any change to the name of the policyholder or the formation, acquisition or divestmentof subsidiary companies must be notified to Ansvar.

If you have any associated companies you will need to have separate cover.

Notes:(a)

(b) (c)

Where the employer is a company to which regulation 3(2) of the Regulations applies, the certificate shallstate in a prominent place, either that the policy covers the holding company and all its subsidiaries, or thatthe policy covers the holding company and all its subsidiaries except any specifically excluded by name, orthat the policy covers the holding company and only the named subsidiaries.Specify applicable law as provided for in regulation 4(6) of the Regulations.See regulation 3(1) of the Regulations and delete whichever of paragraphs 2(a) or 2(b) does not apply.Where 2(b) is applicable, specify the amount of cover provided by the relevant policy.

Richard LaneManaging Director

For and on behalf of ANSVAR INSURANCEA business division of Ecclesiastical Insurance Office plc

the policy to which this certificate relates satisfies the requirements of the relevant law applicable inGreat Britain, Northern Ireland, the Isle of Man, the Island of Jersey, the Island of Guernsey and theIsland of Alderney (b)

(a) the minimum amount of cover provided by this policy is no less than £5 million (c)

We hereby certify that subject to paragraph 2:-

1.

2.

3. Date of expiry of insurance:

2. Date of commencement of insurance:

1. Name of policyholder:

Policy Number: CCP 2150266

16th May 2014

15th May 2015

W/EN/ 3857

Training 4 Transition Limited

0845 60 20 999 or 01323 73754101323 644082

HEALTH AND SAFETY FOR SMALL/MEDIUM SIZED BUSINESSES

How my insurer helps me manage my health and safety riskGood health and safety standards help you to run your business successfully. Meeting the requirements of relevant

regulation is a central factor in achieving this. Insurers recognise the wider benefits to society of encouraging

businesses in following sensible, proportionate measures aimed at helping them to carry out their activities.

We are providing this information to help you take sensible steps to manage health and safety effectively.

Insurers will continue to settle legitimate claims. Insurers will also co-operate with businesses such as yours if you need

to deal with the consequences of vexatious claims made against you.

Your insurer will always be willing to offer you guidance on what constitutes good practice in managing health and

safety. This guidance should be aimed at improving the resilience of your business in dealing with civil law claims made

against you, and will be proportionate to the level of risk involved.

Employers’ liability vs public liability – what’s the difference?Insurers provide cover for businesses’ legal liabilities by issuing:

The law - the Health and Safety at Work etc. Act 1974

Who is an employee? There are various forms of employment. Often a working individual may not be engaged under a contract of

employment. For this reason, insurers include, under an employers’ liability policy, a definition of who is to be treated

as an ‘employee’. A typical definition would be:

All these people are covered while working for and under your control in your business.

employers’ liability policies – this covers employers for injury or disease to people they employ; and

public liability policies – this covers businesses for injury, disease or damage to people they do not employ, for

example visitors.

This is the main law on health and safety and says that every employer is to ensure, so far as is reasonably

practicable, the health and safety of employees and also persons not in their employment who may be affected by

work activities.

Your insurer expects you to take reasonable steps to comply with this requirement and other related regulations,

using the guidance and tools provided by the Health and Safety Executive (or other competent organisations) to

help with this aim. You can find more information at www.hse.gov.uk/index.htm.

Your insurer will not refuse to pay a claim purely because of a breach of health and safety regulations.

Your insurer will not withdraw cover midterm purely because of a breach of health and safety regulations.

any person employed under a contract of service or apprenticeship;

people on work experience schemes, for example, students;

any person hired or borrowed from another employer including drivers or operators of hired in plant;

labour only subcontractors; and

home workers.

This document has been created as generic guidance for small and medium sized businesses and does not constitute legal advice. If you have any questions relating to health and safety management that this document does not address, you should discuss them with your broker or insurer.

●

●

●

●

●

●

●

●

●

●

●

Some common concerns

Documentation

Written risk assessments

The role of health and safety consultants

Testing portable electrical appliances

More help Insurers approve the principles set out in the Association of British Insurers’ Key Principles document: Health and Safety

for Businesses and the Voluntary Sector. This is available at www.abi.org.uk.

You can also find more guidance on the HSE website available at www.hse.gov.uk.

●

●

●

●

●

●

●

●

Insurers do not generally need you to show any formal evidence that you are keeping to

health and safety regulations nor do they ask to see health and safety documents as a

condition of granting insurance cover.

However, although it is not a legal or insurance requirement to do so, good record

keeping (for example, training records, written risk assessments etc.) may be useful if

you need to defend a civil law claim.

If you employ fewer than five employees, there is no need for you to complete written

risk assessments. However, although completing and recording risk assessments is not a

legal or insurance requirement, it may help in defending any civil law claims made

against you.

You do not need to hire a health and safety consultant. The law says that you must have

access to competent health and safety advice – often, this is available from your own

staff.

If, however, the complexity or nature of your business indicates that you do need

external support, your insurer will normally recommend that you use a health and safety

consultant who is listed on the Occupational Safety and Health Consultants Register. You

can get more information at www.oshcr.org.

There is no specific legal requirement for every portable electrical appliance to be tested

each year and your insurer will not insist upon this when offering you insurance.

However, as you must maintain this equipment suitably to prevent danger, insurers

recommend you follow the guidance published by the HSE, available at

www.hse.gov.uk/electricity/index.htm.

For specific guidance, read ‘Maintaining portable electric equipment in low risk

environments’, available at www.hse.gov.uk/pubns/indg236.pdf.

This document has been created as generic guidance for small and medium sized businesses and does not constitute legal advice. If you have any questions relating to health and safety management that this document does not address, you should discuss them with your broker or insurer.

HEALTH AND SAFETY FOR SMALL/MEDIUM SIZED BUSINESSES

premium notification - microsoftbtckstorage.blob.core.windows.net/site1349/ccp 2150266 - training...

Documents