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The company and its client base has grown rapidly since its inception and we believe that our success is built upon providing cost effective and practical solutions to the problems that our clients face. We cover a wide range of industrial, commercial and public sector operations and our network structure allows us to be competitive in the market place yet remain client focused.
Our aim is to work closely with our clients in order to create a culture of ownership and self management and a climate where our consultant is considered part of the client’s continual improvement team.
We understand how businesses operate and develop and we embrace the concept that poor health and safety performance has a negative affect on the bottom line.
Liability Insurance Costs
Employer's and Public Liability insurance costs have spiralled upwards in recent years and are only now starting to even out. Quite often companies have been required to make sacrifices and savings in other areas of their business to compensate for this. There are now opportunities to make significant savings by developing, implementing and maintaining robust health and safety management systems to reduce accidents and ill health at work and mitigate liability in the event of any claims.
Take a look at the two case studies below (source Health and Safety Executive)
Example of a Poor Record
An insurance company became seriously concerned over a foundry with an increasing claims record. They organised a health and safety survey of the foundry. This showed:
- high levels of noise not fully appreciated by the company;
- wearing of hearing protection not being adequately enforced;
- no noise control measures in place, other than hit and miss use of hearing protection;
- no statutory examinations of plant and equipment being done;
- the foundry had been prosecuted for health and safety breaches and substantially fined;
- health and safety documents were sparse and disorganised;
- employees had developed a claims culture; and
- managers appeared to have lost control of health and safety management.
The insurance company considered withdrawing cover. After a meeting with the foundry's Board of Directors, insurance cover was continued. This was subject to:
- a 100% increase in employers' liability insurance (from £100 000 to £200 000 a year);
- mandatory involvement of the insurer's health and safety team;
- the foundry paying for two days health and safety consultancy per month for a 12 month period; and
- a situation review after 12 months.
If satisfactory improvements were not made within the year, insurance cover would be withdrawn.
Example of a Good Record
A number of small business in the North West took part in a health and safety support project. Working with independent health and safety advisors they found that they could reduce their insurance premiums.
One construction firm had their premium reduced from £12 000 to £6000 because of the changes they made.
Paul Craythorne Associates aim to assist our clients to improve their health and safety performance by integrating health and safety into core business management systems. We believe that by doing so our clients will then have a tool to:
- avoid penalties and enforcement action;
- enhance community, stakeholder and corporate image;
- increase future development opportunities;
- strengthen employee and stakeholder awareness and morale;
- increase organisational management direction and accountability; and
- negotiate with insurance brokers and underwriters to control insurance costs.
If you would like to know more about how we can assist you with controlling insurance costs and improving your performance then please contact us today for an informal discussion and to arrange a free consultation meeting. You can email us at info@pcraythorne.co.uk or alternatively you can contact us by telephone on 0121 270 1212 (West Midlands Operational Centre) or 0116 275 8007 (East Midlands Operational Centre).
To support our claims we can provide business references from our clients if required.
To find out about other valid business reasons why you should manage health and safety effectively visit the HSE's Business Benefits page at:
www.hse.gov.uk/businessbenefits/index.htm.
To find out more about our company and view our wide range of services please click on any of the following links:
Health and Safety Services
Environmental Services
Training Services
Other Services
If you would like further information, or if you would like a member of our team to contact you direct, then please click on the following link:
Contact Us
If you are interested in becoming an associate of our organisation then please write, telephone or contact us on the following:
joinus@pcraythorne.co.uk |
