Working at height is often a very necessary task, but it inevitably comes with dangers. Whether it is a crane operator, a window cleaner on a tall building, a roofer, or a tree surgeon in a cherry picker, there will be numerous occasions where working at height is necessary.
The Health and Safety Executive (HSE) has much to say about this issue and for good reason: It is the most common cause of death and serious injury in UK workplaces. The HSE defines working at height as “work in any place where, if there were no precautions in place, a person could fall a distance liable to cause personal injury (for example a fall through a fragile roof).”
As an employer, it is important to know your legal responsibilities from the outset. These are primarily contained in the Work at Height Regulations 2005, which are more precise than the nonetheless important general provisions of the Health and Safety At Work Act 1974.
While work should not be done at height unless necessary, the fact that it so often does need to be means your firm can benefit from working at height insurance. This will cover you for work undertaken in situations where people are using slings, scaffolds, platform access and various other potentially hazardous settings.
This will give you indemnity against accidents, although it is very important to be aware that this does not absolve you of the serious legal responsibilities involved. The 2005 regulations set out the responsibilities employers have to carry out full risk assessments, provide the right equipment and ensure tasks are carried out by trained and competent people.
Failures can lead to tragic consequences for accident victims and also lead to prosecutions for firms, with both hefty penalties and significant reputational damage.
It is, therefore, crucial both to be properly insured and still follow the law very closely when you have staff working in these potentially dangerous situations.
If you are working at height then you will need an Insurance policy that can allow cover and Indemnity for various heights such as up to 15 metres or even a policy that offers an “Unlimited Height restriction” these policies can be provided by our expert insurance staff who quote for all different types of occupations who work at unusually high situations.
Just Quote Me can cover all aspects of height work including platform access, rope access, slings cradles, scaffolding platforms, in fact we can cover any modern day method of working at height insurance you can think of.
Some of our clients include safety Netting Installers, Scaffolders and Builders – in fact we cover many different professions that work at above normal heights, standard Insurance policies will cover 0-3 metres or 3-5 metres but bespoke policies are available at great prefixes from Just Quote Me.
With over 30 years experience our experts on on hand every day to give help and advice to anyone working above ground level including those who may use of heat.
Contact us to find out more about Working At Height Insurance:
Get a FREE Working At Height Insurance quote by filling out our Quick Quote form or by calling 0800 084 2325.
Working at Height Quick Quote Online Quote Working at Height In many sectors it is unavoidable that employees have to work at height. Even if you are a sole trader and you work at height, such as an independent tradesman, it is a good idea to have a work at height...
Working in construction is one of the most high-risk occupations and this increases further when you begin working at height. Roofers are a prime example of workers who put themselves in high risk positions every day. The unique nature of this role means insurers offer specialised roofers insurance for your peace of mind and safety. Many insurers offer a select range of different covers under a single policy for your convenience too. At Just Quote Me we can provide a range of roofers insurance quotes to give you plenty of choice.
Arranging your Roofers Insurance
You may or may not know the type of insurance cover you need within your roofers insurance policy. Most roofers will want their cover to include:
Public liability insurance: the key type of insurance for most businesspeople. Public liability insurance protects your business against the costs of a claim made by a third party. Whether they claim they were injured due to your work or that their property was damaged.
Employers’ liability insurance: this type of insurance is the only compulsory kind in the UK. If you have a single employee, even on a casual or temporary basis, you must have employers’ liability insurance. It provides financial protection when an employee or ex-employee makes a claim of injury or illness due to working for you.
Tool and machinery insurance: the equipment used in your every day work can be expensive and if it is damaged or stolen, your business it at risk. Tools, plant and/or machinery insurance provides financial compensation should either theft or accidental damage occur.
Personal accident insurance: the high risks of working at height as a roofer make personal accident insurance a popular addition to roofers insurance policies. It will provide financial cover for lost earnings and medical costs after serious injury.
The types of insurance relevant to your business will be unique. Furthermore, you must consider other elements of the business too. Some contractors may want to look at more comprehensive policies for a wider range of construction workers. Sometimes it seems like investing in additional insurance cover is just another way of spending valuable business capital. However, if a claim is made against you, you’ll be happy the cover was in place.
Roofers Insurance with Just Quote Me
At Just Quote Me, you will deal with our specialist insurance advisors from day one. All advisors are dedicated to finding the best quotes for every client. We regularly work with construction companies and individuals providing a choice of insurance options for them. This includes many high-risk workers, such as those looking for roofers insurance. We appreciate every business has individual needs and can discuss your requirements before looking at quotes if you simply request a call back. Alternatively you can contact us directly through our website.
Many people who work at height invest in specialist insurance, but it is possible to go even further with industrial rope access insurance. This is a very specific but extremely vital type of cover. It ensures those utilising industrial rope access themselves, for their employees or contractors, have the additional cover needed to protect themselves against the financial risks that come with claims of negligence.
What is Industrial Rope Access?
Those outside of the sector may be confused even by the term industrial rope access. The International Rope Access Trade Association (IRATA) define the system as a safe way of working at height where ropes and associated equipment are used to gain access to and from the work position, while also providing necessary support. Many Industrial Rope Access insurance policies are designed in line with IRATA guidelines. Some are exclusively for members of the association.
Industrial rope access insurance is suitable for individuals and businesses in many different sectors but is usually most applicable to those in the oil and gas energy, those working with petrochemicals, in civil engineering, construction or mining. People working in this sector already know how tricky it can be to get adequate insurance cover, because of the high risk involved, but at Just Quote Me we will work with you to organise the right insurance for your needs.
Industrial Rope Access Insurance Options
Many of the specialist providers of this niche insurance offer a range of options. Their cover may depend on the number of people requiring it. Some policies offer cover for single workers and others for much larger groups. It may also incorporate both employers’ and public liability insurance. This protects the business against claims made by both employees and third parties. The short-term nature of some contracts also means you may only be looking for a short-term policy. There are industrial rope access insurance providers who offer this too.
Contact Just Quote Me today to discuss your industrial rope access insurance options. We’re ready and waiting to talk through what’s available and help you find the best option for your needs.
Working at height makes any job high risk and this is especially through or scaffolders. Working at height presents many risks and this is why specialist scaffolders insurance is recommended. Scaffolders insurance can be made up of a range of different covers, protecting you against different potential risks and claims. Many insurers allow you to build your own policy dependent on your needs, all under a single premium.
What does Scaffolders Insurance include?
One of the most important types of insurance for scaffolders is public liability insurance. It helps protect you and your business should a third party (such as your customer) be injured or their property damaged due to your work.
Scaffolders who employ others even on a casual or temporary basis need employers’ liability insurance. This is a legal requirement and there are hefty fines possible if you do not have adequate cover for your employees. It will cover any claim from an employee or ex-employee. Without this insurance in place you are breaking the law if you employee even a single individual.
Considering the high-risk nature of scaffolders’ work, you may also want to consider personal accident insurance. It’s a type of cover all construction workers consider. It will cover medical costs as well as loss of earnings which come after a serious injury. No one wants to think about the worst happening but when working at height is key to a profession, it is prudent to do so.
Scaffolders Insurance with Just Quote Me
Just Quote Me specialise in helping professionals and businesses find the right insurance for their needs. This includes many in the construction industry, such as scaffolders. We work with you to find affordable scaffolders insurance quotes, offering a range of options to suit various budgets, business sizes and circumstances. Fill out your Quick Quote form today or request a call back from our specialist advisors.
Are you looking for a small business insurance quote in the UK?
The good news is that Just Quote Me can help.
The insurance team at Just Quote Me understand that every business is different and that the insurance policies that they need to reflect this.
Just Quote Me can provide the right small business insurance cover wherever you are based in the UK
Just Quote Me have arranged the most appropriate cover for many satisfied customers regardless of what profession they are in. Visit our Business Insurance section to find out more useful information or call us today for a free no obligation quote.
Business Insurance is important to your company
Don’t make the mistake of assuming that business insurance is a luxury that you do not really need to have. It’s important you consider the various types of cover available such as:
Public Liability Insurance
Employers Liability Insurance
Working at Height Insurance
Key Man Insurance
Motor Fleet Insurance
Restaurants & Cafes Insurance
General Contractors Insurance
Cleaning Contractors Insurance
Residential Lettings Insurance
Estate Agents Insurance
Letting Agents Insurance
Mortgage Brokers PI Insurance
Commercial Lettings Insurance
Hotels & Guesthouses Insurance
Takeaways and Fastfood Outlets Insurance
Professional Indemnity Insurance
Pub, Club and Restaurant Insurance
LPG Business Insurance
Security Company Insurance
Cyber Liability Insurance
Commercial Combined Insurance
Motor Trade Insurance
Multiple Vehicle Insurance
Just Quote Me has been a leader in the insurance field for nearly three decades, protecting businesses across the UK from those unexpected claims that can arise from time to time, often through no particular fault of their own.
To discuss your small business insurance needs call 0800 0842 325 today. We are here waiting for your call and only too happy to help.
The commercial insurance Birmingham businesses invest in has to be tailored to their individual needs. If your business rents or owns property, it is essential you have the correct commercial property insurance in place. Birmingham is the UK’s second city and it buzzes with entrepreneurship and a huge business community. All successful Birmingham businesses protect their assets, look after their employees and their customers and this includes ensuring the right commercial insurance policies are in place, including commercial property insurance.
The commercial insurance Birmingham businesses choose need to be adequate for any potential risks their business face. Commercial property insurance incorporates everything you could need to protect a property from buildings insurance to contents insurance to liability insurances.
Property insurance is just one element of the wider range of cover your Birmingham business. You may also need consider niche covers or those specific to your trade. Industry or risk related insurances such as restaurant insurance or working at height insurance, may be essential dependent on your sector.
Get your Commercial Insurance Quotes
Your commercial insurance policy should reflect your business operations and the specific risks you face. All Birmingham businesses have different risks to contend with. There are some commonplace insurances such as employers’ liability and public liability that most businesses will need. However, it may get more complex dependent on your business requirements and that’s where we come in.
Just Quote Me are experts in securing the best value and most appropriate commercial insurance quotes for Birmingham businesses. Firstly, we explore the commercial insurance Birmingham business owners should be considering. Then we ensure the quotes available are fully fitting for the business in question.
You can find out more about what we offer and begin discussing your commercial insurance requirements by requesting a call back from our experienced, helpful and friendly team.
To Compare Commercial Insurance Quotes in Birmingham:
Go to our online Quote System or call us for FREE on 0800 084 2325
Simple Business Insurance from Just Quote Me is available to all UK Businesses via our new website – www.justquoteme.co.uk
The process is easy. All you need to do is call for FREE on 0800 084 2325 or enter your details into our Online Quotation form and then our Quote and Buy system will compare Simple Business Insurance Quotes from our various Insurers.
Simple Business Insurance is available to over 3500 different occupations and the types of insurance we offer cover any of the following:
You would think that one-on-one training would cost a fortune and be time-consuming to organise. Well, it isn’t! Our one-on-one tutor led interactive online training goes at precisely the pace required by each individual. It provides an opportunity to go over the learning content as often as required so every employee gets the optimum learning experience that’ll be retained and applied to keep your business safe and compliant.
At a fraction of the cost and fraction of management time than you’d expect, this health and safety training has the added bonus of a minimal loss of productivity because it’s really efficient and flexible.
What is Emergency First Aid? Well it’s exactly that, the first aid to be offered if an incident occurs. Not many of us are confronted with scenes of blood and gore in our everyday lives – so usually first aid could be as simple as sticking a plaster on a small cut. But what if you did find yourself confronted with a more serious situation? This Emergency aid course will highlight some of the most common situations that you might come across and the actions that you can take to help.
In the most serious situations a first aider’s role will be to assess the scene so that accurate information can be passed to Emergency services and then to act appropriately to try and increase the patients odds of survival.
Emergency First Aid at Work (Annual Refresher) – £35
Asbestos is probably the most dangerous building material ever used. Every year thousands of people fall ill and die because of exposure to asbestos and it was widely used by the construction industry right up until the year 2000.
The Control of Asbestos Regulations 2012 apply to employers, employees, self employed persons and duty holders and cover all work with asbestos containing materials. Regulation 10 of CAR states that every employer must ensure that adequate information, instruction and training is given to employees who are liable to be exposed to asbestos. This includes maintenance workers and others who may come into contact with or disturb asbestos.
Asbestos Awareness – £35
Asbestos Awareness for Architects & Designers – £35
Current legislation set out by the Health and Safety at Work Act 1974 along with the HSE’s updated code of practice known as L8 which was published in 2001, states that Companies and building owners have a legal duty to manage Legionella.
Our interactive video based training course is aimed at all employers and staff to assist them in identifying the danger that Legionella poses, as well as covering ways to identify & assess sources of risk from Legionella in the premises and implement & manage a control programme.
This course is aimed at anyone who uses abrasive wheels, or employs people who use abrasive wheels as part of their work.
There are a wide range of tools and processes that use abrasive wheels and ensuring these are used correctly and safely is of paramount importance. Applications range from hand grinding to disc cutting. They can be used at all stages of a work process, for making preliminary cuts and scores in materials, or for fine polishing and finishing.
Different wheels will have different properties and characteristics suitable for particular tasks. They also have different weaknesses and can pose different risks and hazards in handling and use. For this reason, it’s important.
This course covers what you need to know about the Control of Substances Hazardous to Health (COSHH). It’s aimed at anyone who is exposed to Substances Hazardous to Health at work, as well as line managers with responsibility for such people. So what do we mean by ‘Substances Hazardous to Health’?
In legal terms, these are substances that are classified as “very toxic, toxic, harmful, corrosive or Irritant” under the Classification, Labelling and Packaging Regulation (CLP). This was a new regulation that came into force in January 2009 dovetailing with a set of regulations called REACH. REACH is a European Union regulation concerning the Registration, Evaluation, Authorisation and Restriction of Chemicals, which came into force on 1st June 2007. One of the main aims of REACH is to provide a high level of protection for human health and the environment from the use of chemicals.
These courses are aimed at users of display screen equipment (DSE) and those responsible for assessing display screen equipment. A ‘user’, is anyone who regularly uses display screen equipment for a significant part of their normal work. In practice, if you use display screen equipment continuously for more than one hour a day, then you’re a ‘user’. So what do we mean by display screen equipment?
The first thing most people think of is a computer monitor. But that’s not the only thing it refers to Display screen equipment could also mean laptops, tablet PCs, televisions, smartphones, CNC control pads, portable diagnostic screens or equipment containing cathode ray tubes, or CRTs. The Health and Safety (Display Screen Equipment) Regulations contain special directives covering DSE safety. Both employers and employee-users have responsibilities under the legislation.
These courses fulfil your statutory training obligations and covers among other things, the correct way to set up and use your display screen equipment safely. Reducing the risk of work related conditions.
Current legislation, The Regulatory Reform (Fire Safety) Order 2005, applies to all workplaces regardless of the number of employees and requires employers to provide adequate training in fire awareness for all members of their staff.
Our online fire safety training courses are aimed at all employees to assist them in identifying and reducing the risk that fire presents in the workplace and it is a cost effective way for employers to fulfil their legal obligation to provide their employees with the necessary understanding of fire awareness.
Food Handlers and their employers have a legal duty to manage Food Safety. These obligations are set out by a number of EU and UK Laws. These Laws state that food handlers must make sure that food which is prepared, cooked, served or sold, is safe for human consumption. Failing to follow food safety standards can cause food to become contaminated with potentially fatal consequences.
Training your employees with our online system will go a long way to give them greater awareness of the dangers that poor food safety standards pose, as well as covering how food safety risks actually arise and how to control and prevent them.
Level 1 Food Safety for Manufacturing, Catering or Retail – £15
Level 2 Food Safety for Manufacturing, Catering or Retail – £25
Manual handling, or to be accurate, incorrect manual handling, is one of the most common causes of injury at work. To try and combat manual handling problems, the Manual Handling Operations Regulations were introduced.
The Regulations lay out duties for both employees and employers. They give a general requirement that employees must be trained to manually handle correctly including the use of any equipment their employer provides to handle loads safely.
This course is aimed at anyone who undertakes work at height, or who employs people who regularly work at height.
The term work at height applies to a wide range of situations ranging from the obvious ones like working on platforms, ladders, scaffolds or stages to working alongside deep trenches. This is because the crucial thing to understand about work at height is that it’s not how far you climb, but how far you can fall. ‘Falls’ doesn’t just mean people falling from heights. If materials or equipment fall, that will obviously present an equally dangerous hazard to anyone below.
All working at height situations are covered by health and safety legislation. Chief among these is the Work at Height Regulations 2005. These regulations confer legal duties on employers and employees to assess, control and minimise risks and hazards from work at height.
This course covers topics including the dangers of working at height, the regulations, the hierarchy of controls, assessing risk and much more.
Working safely is in the interest and concern of all staff – both the employers and employees. Although most of the legal duties fall to the employer, Health and Safety law is one of the few pieces of legislation that places duties on the employee as well. There are three reasons for managing risk at work that bring benefit for all concerned – moral; not causing harm to work colleagues, legislative; the law requires it! – And finally financial; all accidents bear a cost to both parties.
Workers have an expectation to go home at the end of the working day not having been injured by any workplace activity. Most workers feel that accidents are something that only happens to other people. The reality is that too many workers are coming to harm by not observing Health and Safety laws and not working to safe systems of work. That’s where our working safely course can help.
The course covers why we should work safely, defines hazard and risk, identifying common hazards, improving safety performance and protecting the environment. Training is a big part of changing attitudes towards taking risks in the workplace and can make a real difference.
These courses have been created because, first and foremost, each and every one of us has basic human rights. Chief among these is the right to be healthy, happy and treated well, regardless of race, age, gender or location. When these rights are abused in some way it’s wrong, and it is therefore vital that guidelines, policies and procedures are followed to enable everyone, without exception to live a life in which these basic values and rights are maintained and upheld.
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A new ruling by the Supreme Court will help thousands of business interruption insurance policyholders recover from the financial ramifications of the coronavirus pandemic and resulting closures. The ruling was issued on 15th January 2021.
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