Keeping your business safe when it comes to risks
It was an accident waiting to happen; this is what they always say after it actually happened. Risks are everywhere and accidents do happen, but identifying these risks and putting in the proper procedures to reduce them can help safeguard, secure and protect your business. Failing to do so could have catastrophic consequences. With health and safety more important right now than ever, why not carry out a risk assessment on your premises? Whether you are open as an essential business or temporarily closed due to Government guidelines. A risk assessment helps you identify all the potential hazards that could occur and implement the right procedures to help keep your business open and your staff and customers safe.
Performing a risk assessment
Carrying out a risk assessment isn’t only about putting in preventative measures. It’s about adopting a whole new mindset, being proactive and not putting things off. It’s rather like playing chess – thinking two moves ahead, anticipating what might happen and taking action now to prevent losing. For example, if you see a spillage or a trip hazard then deal with it immediately rather than saying, “I’ll get round to it in a minute,” because the next thing you know a customer has gone flying and it has landed you with a public liability claim. You’d have to ask yourself, “was it really worth the risk?”
Well, at The Retail Mutual we are saying don’t take the risk. In fact, it’s the messaging behind our latest campaign, and we are telling businesses not to take the risk. Don’t take the risk when it comes to your staff, your customers, your business and your cover.
We know the risks
As a cover provider, we know a thing or two about risks. We deal with them every day and know first-hand how many of the risks that result in claims could so easily have been avoided. This is why we have drawn on our years of experience and knowledge of mitigating risks to create a series of downloadable guides for our Members. The Retail Mutual’s Risk Assessment Guide is an in-depth health-and-safety guide that highlights the common risks that could occur and offers solutions to help reduce them. Plus, there is a free usable risk-assessment template that you can print out and fill in to be used as part of your health-and-safety training. We have created a risk assessment specifically for hair salons and barbershops, food and drink businesses, and retailers and shops. If you own one of these types of businesses, then why not download your free risk assessment at the bottom of this page.
Once you have completed your extensive risk assessment, your business should be well placed to identify and prevent the potential risks that lie ahead. But what happens if an incident does occur despite your best endeavours? Well, accidents still can happen, and this is where we step in.
We are The Retail Mutual
We’ve been protecting independent businesses for over 20 years. We provide business cover that not only offers financial protection but peace of mind, security and support. Carrying out your risk assessment is also an excellent opportunity to check that you have the right cover in place and that your cover limits are up to date in case you need to make a claim. A member of our dedicated team can work through your risks with you to identify the type of cover that you need for your business.
At The Retail Mutual we can provide:
- Public Liability cover
- Employers’ Liability cover
- Stock and contents cover
- Buildings cover
- Business interruption cover
Remember, don’t take the risk; play it safe with The Retail Mutual. Get a head start this year; download your free risk assessment below now. Get a quote by calling 0333 2121 280 or click here today to make sure you have the right cover in place.