42 www.glasgowchamberofcommerce.com


account their thoughts and views because they may notice a risk factor that a manager does not see. A good culture from the top will trickle down and encourage a proactive approach.”


Gordon Duncan is Partner and Head of Corporate for Scotland with Lockton Companies LLP, the world’s largest privately owned independent insurance brokerage firm. He advises clients on the design and placement of insurance across a wide range of sectors, including hotels and leisure, food and drink, manufacturing, oil and gas, real estate and construction. “Insurance companies ideally like to review and assess a company’s health and safety policy as this is a key rating factor when negotiating terms and conditions,” he explains. “If a company can demonstrate proactivity and a well-managed risk, then this will have powerful impact upon the wellbeing of all employees, create a safer environment, and will enable the company to differentiate themselves in the insurance marketplace.


“It is critical that the health and safety policy is regularly reviewed and updated with robust procedures and protocols in place to successfully defend any potential actions against the business. “Companies should implement measures to prevent and mitigate risk to the best of their ability. In the event of a claim arising, a well-structured and executed policy will enable the business to successfully defend themselves.” As Kevin Clancy, Senior Associate at Shepherd and Wedderburn in Glasgow, points out: “SMEs should understand that they are looking after the health and safety of their workers, whether in the office, out on business or indeed sometimes working from home, and so it is important to be aware of the changes to the business and to regularly assess the level of risk accordingly.” Policies may well include specific exceptions. It is always important to read the small print or ask your broker to take you through it line by line.


Companies should implement measures to prevent


and mitigate risk to the best of their ability”


Workplace accidents affect more than just the victim


Gordon Duncan


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