The first question is what is most important, savings or the level of cover offered; I would suggest a combination of both in most cases. The next important point is that before we have an insurance policy, we sign a contract with the insurance provider. This contract sets out the terms and conditions of cover, and the conditions that are in place should you require to claim on the policy. Conditions apply to all insurance policies; employers liability, public liability, product liability, professional indemnity etc.

The safety management system must be supported by a safety policy statement. The safety policy statement will state we intend to provide a safe and healthy environment in which our employees, visitors and customers can carry out their business within a safe environment. Any other policies and procedures must support and comply with the safety policy statement. To have a safe workplace, we must have in place the conditions to protect any person that may be affected by our work activities from harm or other non-desirable outcomes.  Safety management can also refer to the control of recognised hazards to achieve an acceptable level of risk.

A key element to any safety management system is having an up-to-date safety statement that truly reflects the risks associated with your work activities and the control measures that have been put in place to manage these risks on an ongoing basis.