Liability

Should you receive notification of an allegation against you or your company, you should inform us immediately and forward any correspondence you have received, unanswered, to us as soon as possible.

Policy holders must:

• Promptly report all incidents likely to give rise to a claim to your insurer
• Carry out an investigation and provide insurers with your comments on liability
• Retain all evidence and relevant documents including but by no means exhaustive:
  - Accident book entry/First aid report
  - Reporting of Injuries, Diseases and Dangerous Occurrences Form (RIDDOR)
  - Accident investigation report
  -Pre and post accident risk assessment
  -Standard operating procedures
  - Training records
  - Maintenance and servicing records
  - Minutes of Health and Safety meetings
  - Correspondence with the HSE
• Forward Letter of Claim to the insurer or us as soon as it is received, but should not acknowledge

We also encourage our clients to share their accident books with us. Insurers will usually not record a claim against a policy unless serious injury has occurred or unless a claim is likely.

When claims are notified at an early stage, insurers can usually approach an injured person direct (with your prior agreement), before they appoint a solicitor. As legal fees often far exceed the cost of the injury, dealing with claimants in this way really helps keep the costs down.

Note: Any delay in notifying the claim to insurers may affect the preparation of a suitable defence and increase costs.

Talk to Martin Shore for further information and advice on claims on 01494 733342