As a business owner, you should already be aware that Employers’ Liability cover is a legal requirement for any company that has employees, excluding non-limited family businesses where every single employee is an immediate family member. With the Health and Safety Executive (HSE) Statistics of 2017-2018, it is not hard to see why.
The 2017/18 data reports that 1.4 million people are currently suffering from a work-related illness, 555,000 people were injured at work in the last year and 144 employees have been killed at work. It’s an unfortunate number, and even more unfortunate that many of the injuries and fatalities that occurred could have been prevented through simple safety measures.
What are the main work-related health problems?
It has been found that 595,000 workers suffer from work-related stress, depression and anxiety. That makes up 44% of work-related ill health. In 2017-18, 15.4 million working days were lost due to stress, depression and anxiety. The main causes of this have been cited as heavy workloads, violence, bullying and a lack of support.
Occupational lung diseases account for more than 90% of deaths believed to be linked to past exposures at work. These mainly include Chronic Obstructive Pulmonary Disease, Non-asbestos-related Lung Cancer, Asbestos-related Lung Cancer and Mesothelioma.
Finally, Musculoskeletal Disorders make up 35% of work-related ill health. It is estimated the 6.6 million working days were lost in 2017-18 due to musculoskeletal disorders.
If you are in Agriculture, Construction and Transportation, your industries have the highest rates of musculoskeletal disorders. The causes of this can include manual handling, holding awkward or tiring positions and repetitive actions.
What are the main workplace injuries?
Slips, trips and falls make up 31% of workplace injuries, followed by handing, lifting or carrying that make up 21%. Meanwhile, being struck by an object causes 10%, falling from a height makes up 8% and acts of violence cause 7%.
These sorts of injuries can be prevented with correct posture when lifting and more vigilant health and safety measures.
In the last two years, Britain has experienced a rise in HSE fines as a result of new sentencing guidelines, which force larger organisations to receive larger fines. The industries with the highest amount of fines this year are Manufacturing (£27,008,264), Construction (£18,983,937) and Water Supply/Waste Management (£5,676,100).
While you have your employer’s liability insurance in case something does happen, preventing an accident or illness should be a top priority.
For more information on employers’ liability insurance, get in contact with one of our advisors. You can request a quote through our website or phone today on 0330 1240730.