CBG Insurance Brokers Ltd
Risk Management Services
Health and Safety / Injury Prevention
Injury prevention is concerned with the protection of the manpower asset within your organisation and members of the public which in turn has an immediate impact upon your financial performance as a reduction in the number of injuries will result in reduction in both the insured and uninsured costs of accidents.
Fire Prevention
Fire prevention is considered to be a specialist aspect of damage control in that it protects all the assets of the business including the manpower and members of the public. From a practical view point, consideration will be given to all aspects of fire prevention techniques, methods of fire control, fire-fighting and extinguishment, fire protection, storage and handling of flammable liquids, fire safety of employees and members of the public, means of escape, evacuation drills and procedures all of which are governed by the Regulatory Reform (Fire Safety) Order 2005.
Security
Security will encompass buildings, machinery, equipment, tools, office equipment, computers, vehicles and stock by considering the physical and technological protections available as well as management systems of check.
Road Risks
Driving vehicles for business needs to be adequately controlled especially the spiralling insured costs of accidents and vehicle thefts which have a direct bearing upon premiums as well as the uninsured costs associated with the policy excess and the actual cost of running vehicles. The increasing number of workplace road deaths also means legal compliance is now even more under the spotlight.
Occupational Health & Hygiene
Occupational Health & Hygiene is predominately concerned with the protection of the employees from the effects of occupational diseases - i.e. long term adverse conditions associated with the industrial environment.
Pollution & Environmental Control
Environmental protection is becoming an increasing concern not only within the boundaries of your operations but also the environment outside your premises. There needs to be adequate control of air, ground and water pollution given the increasing regulations which can ultimately lead to prosecution and fines with the adverse publicity both at local and national level.
Business Continuity Planning
All businesses face the possibility of a disaster or serious emergency affecting their continued operation and viability. This may not be as a direct result of loss or damage at your own premises as evidenced by the Buncefield explosion. Research shows that 80% of SME businesses fail within 18 months of a major incident. Completion of a Business Continuity Plan will eliminate or reduce the impact of insurable and non-insurable risks.
