Health and Safety for small business owners

[av_one_full first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]
[av_textblock size=” font_color=” color=”]

If you think safety is expensive, try having an accident!

[/av_textblock]
[/av_one_full]

[av_two_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]
[av_textblock size=” font_color=” color=”]

I’m going to start with the obvious question, what is health and safety? 

Well in a nut shell health and safety is all about making sure that people are not injured or made ill by work. The health side focusses on ill health effects like bad backs, lung problems, skin conditions, stress etc. The safety side, that’s about stopping incidents and accidents and preventing people from coming to physical harm from workplace activities.

There are three main reasons that we have to manage health and safety in the work force:

  • There’s the moral reasons, no one wants to see anyone get injured or ill from work whether it’s an employee, a colleague, or even a customer or member of the public (you have a duty of care to them too)
  • Then there’s the financial reasons, I’ll go into that in a bit more detail in a bit but suffice to say health and safety events are expensive!
  • Finally the legal reasons. It’s the law!

Whilst we’re on the subject of the law, here in the UK there is one major piece of legislation which underpins everything we have to do in health and safety. The piece of legislation is the Health and Safety at Work Act 1974 (often referred to as HSAW ‘74 for short). 

Off of the back of this we also have The Management of Health and Safety at Work Regulations 1999 (also known as MHSWR ’99) which drills down into some more specific details. Then from there are many other regulations covering subjects such as manual handling, control of substances hazardous to health, display screen equipment, lifting operations, I could go on… Many of these are also supported by documents called Approved Codes of Practice (ACoP), these set a minimum standard so you either have to fully follow the ACoP or be able to prove that what you do is equal or better.

Confusing right? Where do you begin?

Well the best place to start is with these two legal requirements:

  1. Every organisation (of any size) must appoint someone competent to help you meet your health and safety needs.  This can be yourself, a member of your team, or an external expert.  The nominated person must however be competent to advise you on the legislation that affects your business and how to manage your H&S obligations.
  2. If you employ 5 or more persons, including directors, owners, part-time workers, or temporary workers you must have a written health and safety policy and you must write down your risk assessments.

Generic risk assessments can have their place in health and safety management, but are best used as a template on which to base your own assessment. You must make sure that your risk assessments properly reflect the risks faced on your site or place of work, if you don’t then you are still not fully compliant.

 

[/av_textblock]
[/av_two_third]

[av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]
[av_textblock size=” font_color=” color=”]

What if it all goes wrong?

You may already have some level of safety management in place and you pay your insurance premiums and may feel that you are covered. You have insurance, surely if something goes wrong that will cover your losses?

What you may not realise is that for any workplace accident of case of ill health many of the costs are uninsured costs.

It is estimated that for every £1 of insured losses from workplace accidents and ill health you can expect between £8 and £36 of uninsured losses, that’s a lot of money that you could potentially be losing for every incident.

Accidents and ill-health costs can be likened to an iceberg: costs that are recoverable are visible but those that are unrecoverable are hidden below the waterline and are many times greater.

Uninsured costs can include:

 

 

  • Lost time
  • Sick pay
  • Damage or loss of product and raw materials
  • Repairs to plant and equipment
  • Extra wages, overtime working and temporary labour
  • Production delays
  • Investigation time
  • Fines
  • Loss of contracts
  • Legal costs

[/av_textblock]

[av_image src=’https://www.acorn.finance/wp-content/uploads/2017/02/fullsizeoutput_2a3f-1030×1030.jpeg’ attachment=’1487′ attachment_size=’large’ align=’center’ styling=” hover=” link=” target=” caption=” font_size=” appearance=” overlay_opacity=’0.4′ overlay_color=’#000000′ overlay_text_color=’#ffffff’ animation=’no-animation’][/av_image]
[/av_one_third]

[av_one_full first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]

[av_textblock size=” font_color=” color=”]

Here’s an idea of some average costs – or course it could be a lot greater!

[/av_textblock]

[av_table purpose=’pricing’ pricing_table_design=’avia_pricing_default’ pricing_hidden_cells=” caption=” responsive_styling=’avia_responsive_table’]
[av_row row_style=’avia-heading-row’][av_cell col_style=”]Accident Severity[/av_cell][av_cell col_style=”]Human Cost[/av_cell][av_cell col_style=”]Lost Output[/av_cell][av_cell col_style=”]Resource Costs[/av_cell][av_cell col_style=’avia-highlight-col’]Total[/av_cell][/av_row]
[av_row row_style=”][av_cell col_style=”]Fatality[/av_cell][av_cell col_style=”]£991,200[/av_cell][av_cell col_style=”]£520,700[/av_cell][av_cell col_style=”]£900[/av_cell][av_cell col_style=’avia-highlight-col’]£1,500,000[/av_cell][/av_row]
[av_row row_style=”][av_cell col_style=”]Major injury[/av_cell][av_cell col_style=”]£18,400[/av_cell][av_cell col_style=”]£16,200[/av_cell][av_cell col_style=”]£5,200[/av_cell][av_cell col_style=’avia-highlight-col’]£40,500[/av_cell][/av_row]
[av_row row_style=”][av_cell col_style=”]Other injury[/av_cell][av_cell col_style=”]£2,700[/av_cell][av_cell col_style=”]£2,600[/av_cell][av_cell col_style=”]£500[/av_cell][av_cell col_style=’avia-highlight-col’]£5,800[/av_cell][/av_row]
[av_row row_style=”][av_cell col_style=”]Minor injury[/av_cell][av_cell col_style=”]£200[/av_cell][av_cell col_style=”]£100[/av_cell][av_cell col_style=”]£50[/av_cell][av_cell col_style=’avia-highlight-col’]£350[/av_cell][/av_row]
[av_row row_style=”][av_cell col_style=”]Average case of ill health[/av_cell][av_cell col_style=”]£5,800[/av_cell][av_cell col_style=”]£2,300[/av_cell][av_cell col_style=”]£800[/av_cell][av_cell col_style=’avia-highlight-col’]£8,900[/av_cell][/av_row]
[/av_table]

[av_textblock size=” font_color=” color=”]

How confident are you that your health and safety management will stand the test and protect your business? 

 

If any of this has rung some alarm bells with you then don’t panic you don’t have to face it alone, I can help walk you through the process.

 

I have been involved with health and safety management for over 10 years and am a fully qualified safety practitioner, I now specialise in helping business owners find their way in health and safety. I can guide you through, showing you exactly what you need to do, give you the tools you need to effectively manage your own health and safety and be on hand at every step to make sure that put in place to protect you, your employees, your customers and your business is to the highest standard.

 

“If you think safety is expensive, try having an accident!” –  RoSPA The Royal Society for the Prevention of Accidents

 

 

[/av_textblock]

[av_contact email=’paul@acorn.finance, clare.ebison@ebisonsafety.co.uk’ title=’Contact us now for your no-obligation consultation’ button=’Submit’ on_send=” sent=’Your message has been sent!’ link=’manually,http://’ subject=’Health & safety referral – acorn finance’ autorespond=’Thanks for getting in touch, we’ll get back to you as soon as we can.’ captcha=’active’ form_align=” color=”]
[av_contact_field label=’Name’ type=’text’ check=’is_empty’ options=” multi_select=” av_contact_preselect=” width=”][/av_contact_field]
[av_contact_field label=’Business name’ type=’text’ options=” check=’is_empty’ width=”][/av_contact_field]
[av_contact_field label=’Phone’ type=’text’ options=” check=’is_empty’ width=”][/av_contact_field]
[av_contact_field label=’E-Mail’ type=’text’ check=’is_email’ options=” multi_select=” av_contact_preselect=” width=”][/av_contact_field]
[av_contact_field label=’Subject’ type=’text’ check=’is_empty’ options=” multi_select=” av_contact_preselect=” width=”][/av_contact_field]
[av_contact_field label=’Details of your business, how long established, number of employees etc.’ type=’textarea’ options=” check=’is_empty’ width=”][/av_contact_field]
[/av_contact]

[av_textblock size=” font_color=” color=”]
 

Clare Ebison

GradIOSH, DipNEBOSH, MIIRSM

Ebison Safety Solutions
[/av_textblock]

[/av_one_full][av_section min_height=” min_height_px=’500px’ padding=’default’ shadow=’no-shadow’ bottom_border=’no-border-styling’ bottom_border_diagonal_color=’#333333′ bottom_border_diagonal_direction=” bottom_border_style=” id=” color=’main_color’ custom_bg=’#aeaeae’ src=” attachment=” attachment_size=” attach=’scroll’ position=’top left’ repeat=’no-repeat’ video=” video_ratio=’16:9′ overlay_opacity=’0.5′ overlay_color=” overlay_pattern=” overlay_custom_pattern=”]
[av_two_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]

[av_heading tag=’h3′ padding=’10’ heading=’Contact acorn.finance now to get your funding sorted.’ color=” style=” custom_font=” size=” subheading_active=” subheading_size=’15’ custom_class=”][/av_heading]

[/av_two_third][av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ animation=” mobile_display=”]

[av_button label=’Contact us’ link=’page,1013′ link_target=” size=’small’ position=’center’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ color=’theme-color’ custom_bg=’#444444′ custom_font=’#ffffff’]

[/av_one_third]
[/av_section]

Health and Safety for small business owners

Leave a Reply

Your e-mail address will not be published. Required fields are marked *

Scroll to top