This may appear to be a very bold statement but this is one which JMS Risk Solutions Ltd firmly believes in and one which has so far benefited many clients.

The insurance market has never been more competitive but it has now reached a point where insurers are looking to differentiate between the better managed risks.

Regulation 7 of the Management of Health and Safety at Work Regulations 1999 requires the employer to appoint one or more competent persons to assist it in undertaking the measures needed to comply with the requirements. You are required to ensure that the numbers of persons appointed having regard to the size of your undertaking are adequate and that adequate time is available and the means at their disposal are adequate to fulfill their functions.

JMS Risk Solutions Ltd is able to provide competent assistance across all areas of what can often be complex health and safety legislation and demystifies it down to a level all can understand.

An employer's failure to adequately discharge their duties can result in both criminal prosecutions and civil claims for compensation.

Whilst the civil claims are insured and are paid for by your insurance company, criminal fines are not.

Crown Courts have wide ranging powers to impose unlimited fines not just against the business but also against individual directors and managers, as well as imposing a prison sentence for the most serious offences. These fines are not insurable and come straight off the bottom line. A poor claims history will result in increased premiums whereas compliance will reduce and keep your premiums in check.