Legislation And Your Commercial Insurance

4 Key Areas You Need To Be Aware Of



Legislation and understanding it, is key to all our businesses.  It actually plays a key part in your commercial insurance arrangements.  Failure to adhere to legislation will lead not only to legal fines but also could have a bearing on your insurance and possibly lead to claims.  Here are four acts which have a direct effect on your insurance:     1)   Health and Safety at Work Act
  •        This applies to all workplaces in the UK and tells employers what their duties are to protect their employees. 
2)   Road Safety Act 200
  • This Act is to improve road safety and reduce the casualty rate.  It applies to everyone on the road and creates criminal offences of causing death while on the     road.
3)   Children Act 2004
  • This Act sets out the process for services supplied to children.  A Director must be appointed (of children’s services) and an elected member who is accountable for the delivery of the services.
4)   Corporate Manslaughter
  • This Act came into being in 2007 and heralded a landmark with its introduction.  This meant there was the possibility of companies or organisations being found guilty of corporate manslaughter.  In the event of a gross breach of duty of care, Directors can face the might of the law.
The above are just a small part of the legislation governing businesses.  These Act’s play a large part in any business and also in your commercial insurance.  Your liability insurance and directors and officers to name just two.

If you would like to discuss the above or your commercial insurance, contact Bromwall on 01707 883377 or email us on info@bromwall.com

Image courtesy of Stuart Miles / FreeDigitalPhotos.net


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