Any job which involves specialist height work carries an increased risk of injury, be it to a member of the public (Public Liability Insurance) or an Employee (Employers' Liability Insurance).
The price of scaffolding insurance can be a high cost to your business, and it is essential to manage risk effectively to reduce your claims exposure and in turn, your premium.
Carlisle firm in Court after trainee fall
The Health and Safety Executive (HSE) reported that they have successfully prosecuted a Carlisle based scaffolding firm, following an incident at a factory on 22nd February 2013.
The company was fined £15,000 after a trainee employee fell some six and a half metres through a roof light and suffered a broken knee cap and cuts to his face and head.
Carlisle Magistrates Court found them guilty of breaching Section 2(1) of the Health and Safety at Work etc. Act 1974 and Regulation 9(1) of the Work at Height Regulations 2005 at a hearing on 18th June 2014.
After the hearing, HSE Inspector Marin Paren said “A fall from a height of more than six metres could have been fatal. As it is, this young man has suffered serious injuries which could have easily been avoided because his employer failed in its duty to ensure his safety.”
It’s not just Risk Assessments, but the Quality of the Risk Assessment that counts
The court heard that the firm had prepared a “Scaffolding Plan” and Risk Assessment document, but that the plan was inadequate for the work being undertaken and made no reference to the roof lights or the requirement to wear safety harnesses.
Having a basic assessment plan is good practice. Still, it is vital that this is adequately reviewed for each-and-every individual job or you could risk similar prosecution should an employee suffer injury or your site be subject to HSE inspection.
The Risks of Working at Height
Falls from roof edges and through roof lights are amongst the most common causes of fatalities and Employers Liability Insurance claims while working at height.
The HSE confirmed that, since 2001, an average of 50 people a year are killed as a result of a fall from height and a further 8,702 are seriously injured.
Paren added “A fall from a height of more than six metres could have been fatal. As it is, this young man has suffered serious injuries which could have easily been avoided because his employer failed in its duty to ensure his safety.”
Risk Management and Health & Safety
Managing risk to the public, clients and your employees is critical to your scaffolding business, mainly as a result of the increased legislation and regulation.
A robust Health and Safety and Risk Management programme is a vital tool in reducing risk (and in turn your Scaffolders Public Liability Insurance premiums).
Your Insurance Company or Broker should also be able to provide documentation and support around best practice and risk assessments, we would also suggest visiting the excellent HSE Working at Height Website for more information.
FREE Health & Safety Management Tool
Insync Insurance provides access to an online Health & Safety Management Tool for all Scaffolding clients.
The system offers downloadable Risk Assessment templates, up-to-date legislation support and advice as well as access to a fully qualified H&S Consultant.
The system usually retails for £250+VAT but is made available completely FREE of charge to all Insync clients to help you manage risk and your business more effectively.
FREE Insurance Review
As Scaffolding Insurance specialists, Insync can provide a FREE review of your current Public and Employers Liability Insurance programme.
Our Insurance Guru’s can often improve your cover AND save you money by accessing one of our specialist insurance markets.
You can book a slot online via our website at a time that suits YOUR diary.
Alternatively call 0330 124 0730 for more information, we would love to hear from you.