Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.
Statutory Inspections – your legal duty
There are certain items of Plant and Machinery that are subject to Statutory Inspection by a suitably qualified/certified Engineer which, should you fail to have in place can potentially invalidate your Employers and Public Liability Insurance covers for any accident where they are involved.
The two main categories are Lifting Equipment and Pressure Vessels.
Such equipment might include Coffee Barista’s, (with steam pressure boilers), Passenger and Goods Lifts, Walk-in Freezers/Cold Rooms, Fork Lift Trucks and other lifting and/or pressure devices.
Fork Lift Trucks must have Motor Insurance in place unless they are only ever used on private property where the public simply have no access to. In either case however they must all have Statutory Inspection cover in place.
So for example, if an employee or a customer is injured as a result of an accident involving your Fork Lift Truck or your Coffee Barista your Insurer will only deal with the injury claim if you can show a valid Engineering Inspection Certificate.
We urge you to please contact us without delay in order for us to establish on your behalf if you have any equipment needing Statutory Inspection arranged.
We want to acknowledge the assistance and contribution of Sean Thompson, Irish Engineering Services Ltd in composing this piece of valuable advice.
Always remember – call us to discuss any/every incident. We will advise and guide you.