16/12/2014

By Ashleigh-Rose Harman, Digital Content Writer, Croftons Injury Claims


If an unfortunate accident happens within your workplace, your employer liability insurance should be able to cover the compensation and legal costs involved.

However, there are consequences of personal injury claims being brought against your business that can affect you beyond the compensation payout. Find out exactly how these types of claims can impact on your organisation and the ways to mitigate the risk of any lasting harm from being done.

Financial
As with any insurance policy, an increase in claims on your public or company liability insurance will increase your premium payments. While you may not feel the effects until you renew your policy, it is important to remember that this could result in less money for the daily running of your business.

Community reputation
Reputation within your community or industry can have a huge effect on the success of your business. Therefore, it is crucial to handle compensation claims sensitively and professionally.

It is imperative that you are aware of how any action you take can impact on your brand. Customer loyalty is driven by trust. If you fail to handle a sensitive situation effectively it can affect opinion of and trust in your business, which in turn can negatively impact on your turnover and your ability to expand your brand.

Recruitment strategy
Brand reputation is important not only to consumers but also potential employees. If it becomes known that an employee’s safety has been compromised while in your workplace, this can be detrimental to your HR strategy and hiring efforts.

While reasonable salary and benefits are high on the list of priorities for job seekers, company culture is also becoming an increasingly important aspect of any job hunt. When looking at your job vacancies, many job seekers will investigate your business and its reputation. If a personal accident claim has been handled badly, or there have been reports of accidents within your company, this may impinge on your ability to hire experienced and qualified staff. This in turn can affect the standard of work you produce, damaging your business reputation further.

Five safety tips every work place should enforce
It is crucial that proper safety procedures are put into place within your business. By taking every possible measure to protect your employees, you can reduce the risk of their health and safety being compromised and ensure that your business is covered should an unfortunate accident occur.

1. All first aider certificates must be kept up to date and relevant members of staff should be sent on any refresher or top-up courses needed.

2. Every member of staff should be made aware of emergency safety procedures within your workplace. This includes what to do in the event of a fire, as well as what to do and where to turn if there is an accident. Include information in new starter inductions while existing staff should be reminded at least once a year. Make sure that your staff members sign a document every time they receive emergency safety procedure training, as this can act as proof that you have supplied them with the correct information they need to handle a dangerous situation safely.

3. Carry out yearly checks on all equipment to ensure that it is safe to use. This should include any electrical and safety equipment as well as utensils that are used daily by employees. Desk furniture should also be tested, as there has been a sharp rise in claims for RSI based injuries.

4. Record all accidents and include information on any care administered by the first aider. You should include follow up comments outlining any actions that have been taken to prevent a similar accident from happening again. Being proactive and anticipating incidents is the first step to making your workplace as safe as possible.

5. Ensure all staff members are provided with the right information to help them complete their job safely. If heavy lifting is involved, educate your employees on the safest way to move objects. If they sit at desks, make sure that they are shown the safest way to station themselves to minimise the risk of injury. This may seem simple, but many employees are not equipped with the right knowledge to complete their daily tasks in a safe manner. Educating your workforce will not only minimise the risk of personal injury claims, but can also help to increase productivity and attendance levels.

It is crucial that the safety of your staff is something that you consider at all times, as it can allow you to protect both your employees and your business from harm. While implementing safety procedures can sometimes seem time consuming, these small actions can help you to create a happy work environment, successful business and a trustworthy reputation.