Case Study

Employer’s Liability

Case Study 1

Client Industry: Manufacture of Printed Circuit Boards

Annual Turnover: £6m with approximately 58 employees

Client Requirement

  • The Client began to experience a number of low level Employer’s Liability Claims
  • The Liability Insurer, Chubb, subsequently stipulated a number of improvements in the Client’s Health and Safety Management programme
  • Chubb’s concern was that they would not be able to successfully defend the EL Claims and there was an ongoing risk of further EL Claims being received
  • The Client was initially somewhat sceptical of the value of the requirements as they considered their operations to be of a relatively low level risk

UK & Global Solution

  • UK & Global commissioned a Health and Safety Management Audit, which was undertaken by Workplace Risk Management Ltd, to provide an independent overview
  • The lack of compliance in some areas of the Client’s Health and Safety Management policies and procedures became immediately apparent

Outcome & Benefit to the Client

  • An agreed implementation timetable was established between the Client and Workplace Risk Management Ltd which was acceptable to Chubb
  • The Client gained the benefit of improved Health and Safety structures, clarity of responsibilities/roles, and training needs
  • Not only were Chubb happy to continue to insure the Client but an 18% reduction in the Liability premium was achieved at the following renewal

Case Study 2

Client Industry: Manufacture of Food Packaging

Annual Turnover: £36m with approximately 338 employees

Client Requirement

  • The Client was experiencing a year on year increase in the number of Employer’s Liability claims and also in the settlement costs of the claims
  • This resulted in the incumbent Liability Insurer to considerably increase their premium after a number of years of losses
  • In addition, the Client was having difficulty in attracting alternative Insurers in view of the relatively heavy nature of their industry and the level of Employer’s Liability claims
  • As the manual workforce totalled around 350 employees, the causes of the increase needed to be evaluated and established
  • It became apparent that the experience of the Managers responsible for Health and Safety was relatively limited and that there were gaps in the knowledge base

UK & Global Solution

  • UK & Global arranged for Workplace Risk Management Ltd to undertake an audit of the Client’s Health and Safety Management structure.
  • The Client subsequently appointed WRM Ltd to act as its “Competent Person” in addition to establishing managerial responsibilities at different levels from the Boardroom to Operational level.
  • It took a period of three years for the number of Employer’s Liability claims to significantly reduce but each year showed an improvement.

Outcome & Benefit to the Client

  • The annual Insurance premium in respect of the Employer’s Liability cover has now returned to the levels of three years previous.
  • The number of Employer’s Liability claims has now significantly reduced.
  • The Client considers that it “has control of Employer’s Liability” once more.

Case Study 3

Client Industry: Design, Fit Out and Installation of Offices

Annual Turnover: £18m with approximately 58 employees

Client Requirement

The Client experienced rapid growth from £4.5m to £18m over a period of five years. The issues facing the Client were as follows:

  • Increasing number of Employer’s Liability incidents
  • Health and Safety Management policies and procedures were now insufficient for the Client’s requirements

UK & Global Solution

Following our investigation and review the following initiatives were implemented:

  • Workplace Risk Management Ltd were commissioned by UK & Global to undertake an Audit which subsequently led to a schedule of Improvements being agreed for the next 12-24 months

Outcome & Benefit to the Client

  • The Board was more confident that the Company had become increasingly compliant with Legislation and the Client’s EL Insurer was able to more robustly defend the small number of EL claims which were reported