Risk assessments are a cornerstone of health and safety management. They’re designed to identify potential hazards, evaluate risks, and implement control measures to prevent accidents.
However, even with risk assessments in place, accidents can still happen, leading to Public Liability claims. This case study examines a scenario where a business’s risk assessment proved insufficient to prevent an injury, resulting in a settled claim.
The claim and outcome
The incident occurred at the venue premises of our insured, an entertainment provider. A customer sustained an injury on site, leading to a Public Liability claim against the business.
Despite a risk assessment being in place, insurers were forced to accept liability because the venue had identified the risk within their assessment.
The risk assessment advised that to prevent accidents, a procedure would be followed by all employees and this would minimise the potential for any accidents or injuries. However, that protocol was not followed by a member of staff, leading to the customer ending up in A&E.
The claim was eventually settled following full medical evidence, with the following costs incurred:
The key takeaways
This case highlights several important lessons for businesses regarding public liability and risk management:
Go beyond compliance with RiskBox.
This case demonstrates that health and safety is not just about complying with regulations; it’s about creating a safe environment for everyone.
At RiskBox, we understand the importance of ensuring that your business has the right environment to not only survive, but thrive. That’s why you can count on us to provide expert insurance advice that lets you know where your current coverage is lacking. Speak to our friendly team to find out more.
Photo by Oliver Hale on Unsplash