Liability Dos & Don’ts

Liability Dos & Don'ts

BUSINESS ACTIVITIES – RESTRICTIONS

  • DON’T carry out any business activities which have not been disclosed by you to your insurer
  • DON’T work above any height limit detailed within your policy (e.g. 10 metres, 4 storeys)
  • DON’T work below any depth limit detailed within your policy (e.g. 1 metre, 3 metres)

Unless the activity is already expressly covered within the wording of your policy, DON’T carry out any work at height, at depth, involving the application of heat, involving hazardous locations or hazardous substances unless the activity has been disclosed to and agreed by your insurer

 

PERSONAL PROTECTIVE EQUIPMENT

  • DO ensure that the use or wearing of Personal Protective Equipment by any Person Employed is rigorously enforced and that Personal Protective Equipment is supplied to the Person Employed and that a formal record is maintained confirming receipt of such equipment

 

BONA FIDE SUB CONTRACTORS

  • DO check that each of your sub-contractors has their own liability insurance policy in force and that it provides:-

Employers’ liability coverage with a limit of indemnity of not less than £10,000,000 any one occurrence (if required by law)

Public liability coverage with an indemnity limit of not less than the limit(s) provided by your policy

An indemnity to you as principal

  • DON’T assume by agreement any liability or potential liability that would not have attached to you in the absence of such agreement, including but not limited to, the assumption of any liability or potential liability on behalf of any bona fide sub contractor, or the waiver of any rights of recourse against any bona fide sub contractor

 

USE OF HEAT

  • DO comply with your insurer’s terms regarding the work involving the application of heat at or away from your premisesDo's and Don'ts pages - Bob 'STOP' EM 250716-01

 

USE OF EQUIPMENT BY MEMBERS OF THE PUBLIC

  • DO inspect all equipment in accordance with your insurer’s terms and immediately repair any defects found
  • DO ensure that all equipment is used in accordance with the manufacturer’s instructions

 

FORK LIFT TRUCKS

  • DO ensure that operatives complete a training / refresher course regarding the safe use of fork lift trucks in accordance with your insurer’s terms
  • DO retain appropriate documentation verifying completion thereof

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