The information contained in this bulletin is based on sources that we believe are reliable and should be understood as general risk management and insurance information only. It is not intended to be taken as advice with respect to any specific or individual situation and cannot be relied upon as such. If you wish to discuss your specific requirements, please do not hesitate to contact your usual Towergate Insurance Brokers advisor.
As more and more businesses start to emerge from lockdown, a key topic of conversation is how employers can protect their employees and customers, as they consider re-opening their businesses doors.
Our experts have considered some of the risk control measures and guidance on how to work safely and provided practical guidance and considerations of how they can be applied to adhere to the Government guidance.
What responsibility do you have?
Everyone needs to assess and manage the risks of COVID-19, but as an employer, you also have a legal duty to protect workers, customers and others from risk to their health and safety. This means you need to think about the risks they face and do everything reasonably practical to minimise them, recognising you cannot completely eliminate the risk of COVID-19. If that duty is breached, employers can be found liable to compensate employees/members of the public for injury and losses which are proven to have resulted from that breach.
Employers and Public Liability policies will provide protection for employers against their legal liabilities to their employees or the public. They will cover bodily injury/illness so could include legal liabilities incurred from COVID-19 in a situation where the employer has breached their duty of care.
Risk assessments and documented safe systems of work which specifically identify and manage the risks posed by COVID-19 can assist in discharging the duty of care if they are suitable and sufficient. Key considerations will include:
- Adequate health surveillance, including identification of vulnerable individuals
- Provision of suitable PPE
- Assessment and management of workloads in the anticipation of reductions in available staff through sickness/self-isolation
- Health and safety of home workers
- Risks associated with individuals covering for missing colleagues
- Risk assessments must be reviewed as and when the factual situation, and Government advice, changes in material aspects
Supporting our clients
To support our clients, we have created a Working Safely – Risk Control Measures document that helps you to meet the obligations outlined above and gives you a clear place to collate what preventative measures you have taken.
Our partner WorkNest have launched a Premium Back to Business hub to help you ensure that you are compliant from both an Employment Law and Health & Safety perspective. This hub is worth £395 but for a limited time (until 31st July 2020) it is being given away for free, demonstrating WorkNest’s commitment to supporting businesses during this unsettling time. It includes a full COVID-19 Health & Safety Policy template, a COVID-19 Health & Safety Back to Business workbook and a COVID-19 Employment Law pack. Sign up here for the WorkNest Premium Back to Business hub.
The information contained in this bulletin is based on sources that we believe are reliable and should be understood as general risk management and insurance information only. It is not intended to be taken as advice with respect to any specific or individual situation and cannot be relied upon as such. If you wish to discuss your specific requirements, please do not hesitate to contact your usual Towergate Insurance Brokers adviser.
For more information or for a full review of your insurance needs, please contact your usual Towergate Insurance Brokers adviser or email TIB@towergate.co.uk.