ADVERTORIAL TACKLE THE PROBLEM,
DON’T PAY THE PRICE In 2011, the UK Insurance Industry paid out in excess of £260million to claimants for slips on floors in the service industry. The additional cost to property owners, managers and cleaning contractors in handling the claims takes the total cost to nearer £400million.
The public are being bombarded with adverts in newspapers, and on TVs and bill boards, encouraging them to claim for every slip regardless of the injuries sustained. As a result, the cost of slip claims to insurers is spiraling out of control. Slip claims are second only to whiplash claims in terms of cost to insurers. The normal response from insurers is to keep increasing premiums and excesses to keep pace with the cost of claims, rather than solve the underlying problem of the floor.
COBRA Insurance Brokers, in conjunction with 4Earth Solutions and a number of major UK insurers, have created a bespoke and unique solution that tackles every part of the problem, from the testing and recording of slippery floors, to the cost-efficient insurance and claims defence programme.
For any business or building owner, the cost of insurance is a significant part of their costs. But when a slip claim occurs, insurance premiums rise, excesses are imposed or increased – add to this the time spent dealing with claims correspondence, and the customer can see serious impacts on their profitability.
THE FLOOR SOLUTION 4Earth Anti Slip range offers:
• Unique, eco-friendly technology that does not change cleaning requirements
• A long lasting, slip resistance in accordance with HSE guidelines and UK law
• Applicable to many types of surface including tiles, resin, vinyl and wood
• Retains the aesthetic appearance of the existing floor in most cases.
TESTING SOLUTION The key to defending slip claims is
being able to prove that you have treated the floor, and you continually test the floor to ensure it remains safe. To this end, we will provide, as part of the solution, a testing service and data recording solution so that, in the event of a claim, we can provide the proof required.
INSURANCE SOLUTION In conjunction with four major
insurers, COBRA has developed a proactive solution to customers who have had their floors treated by 4Earth Solutions. The policy is designed to cover any type of premises or business that has previously had slip claims. Our solution recognises that treating the cause of slips is far more beneficial for all parties than charging high premiums to cover claims. The key benefits of the solution can include:
• Three-year fixed rate agreement • Profit share agreement for client
• Contribution to floor treatment and testing
• Nil excess for slip claims
• Savings in excess of 15% on renewal invitation
• Quality UK insurers
TESTIMONIAL “Our renewal premium from our
existing insurer increased to £48,000 from £6,000. Due to the cost of slip claims in the past three years, our existing broker could not get us any other quotes, and having had our floor
treated by 4Earth, COBRA reduced our cost back down to £6,000 within 24 hours of us calling them.”
TACKLE THE PROBLEM To tackle the problem, contact either
Howard Collins of COBRA on 01268 511115 or Paul Robson of 4Earth on 0191 567 4911. We can then talk you through the way it works and how simple it really is to prevent slips and save money.
www.cobraholdings.co.uk
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