According to the Health and Safety Executive (HSE) there are 150,000 non-fatal injuries reported from the workplace each year, with an estimated two million suffering from ill health which is caused, or made worse by work. Practising good health and safety in the office can help minimise the possibility of your business adding to those statistics and is a legal requirement under the Health and Safety at Work Act 1974.
Despite your best intentions accidents such as spillages, or trips over loose computer cables do happen and it is important that you have appropriate insurance in place.
What you can do to maximise office safety
Carry out a proper office risk assessment. The HSE has published its Five steps to risk assessment which will help you identify the potential health and safety hazards in your office
Once you have evaluated the risks you should regularly review your health and safety measures
Make sure you have appropriate Employers’ Liability and Personal Accident insurance in place to cover you should an employee injure themselves at work.
How Hiscox Personal Accident Insurance and Employers’ Liability Insurance protects you and your employees
Personal Accident Insurance
Pays out if you, or a key member of staff, suffer an injury from an accident and are unable to work
Provides weekly payments, or if the accident is more serious and the injury results in permanent disability or even death, your business would receive a lump sum payment.
Employers’ Liability Insurance
Pays your legal and compensation costs if you are sued by a member of your staff if they believe their work has caused them injury or made them ill
Covers any person working for you in connection with your business even if they are voluntary help or self employed
Is a legal requirement for most businesses.
If the unfortunate should happen and an employee should suffer a workplace accident, our efficient and experienced UK-based claims team will quickly be on the case.
