It is critical that organisations give adequate attention to all potential structural and behavioural hazards and risks, and do their utmost to avoid them in a proactive way. 80-95% of all workplace accidents are behaviour-based, and as such proactive safety measures and staff training go a long way to avoid silly errors and mistakes that lead to accidents, incidents and consequential claims.
By addressing some of the 10 key tips below you will begin to foster a proactive safety culture, and reduce the risk of accidents/incidents and subsequent liability claims occurring in your business:
- Make sure you are legally compliant with relevant H&S legislation to your business operations
- Make sure that you effectively communicate risk to your Staff (Safety Statement is not enough)
- Provide practical (not just online) H&S training for your Staff (e.g. especially manual handling)
- Investigate accidents the right way (e.g. gather facts not opinions)
- Learn from Near Misses by tracking them and logging corrective actions (to avoid a repeating hazard)
- Have an external H&S audit at least annually (outside eyes are key to continuous improvement)
- Provide a system that ensures ownership at local levels across your organisation (don’t just police safety through a few designated people)
- Tackle the priority issues in your sector with proactive solutions, e.g. Slip, Trip & Fall; Fire Safety, Contractor Control
- Remember, 80-95% of all workplace accidents are behaviour-based, so address unsafe attitudes and behaviours before an incident occurs
- Work WITH your insurance partners to demonstrate your proactive risk management and to leverage cost management into the future
Case-study evidence shows that if the points above are implemented and risk management becomes an integral part of an organisation, where good habits are formed from the leader all the way to the new hire, then risk factors and consequential claims will be significantly reduced. See below a graphical representation of this evidence, where graph A shows a 33% Reduction in Claims Frequency after a Safety Culture Initiative was undertaken across 4 large client groups totalling over 30-unit organisations. Graph B shows a 50% Reduction in Claims Cost after a Safety Culture Initiative was undertaken across 4 large client groups totalling over 30 unit-organisations.
So, it is clear to see that there exists a direct and positive correlation between Safety Culture and Claims management. In closing, ask yourself what needs to be done to ensure that all of your workforce consistently behave in a safe manner where accountability for safe behaviour includes their own, their colleagues and their customers… even if nobody is watching! Then you will sleep better at night, because you will have a sustainable safety culture that will ensure all boats rise across your organisation.
Contact SeaChange for support in increasing safety culture and reducing the likelihood of claims within your business.