To risk manage effectively, the policyholder needs to understand their obligations under the Health and Safety at Work Act from an employer’s liability point of view, and also the many regulations that fall under that Act. Common examples being the manual handling regulations where we see many injuries for back injuries as a result of manual handling and if the policy holder hasn’t demonstrated an understanding and fulfilled their requirements, then it leaves them wide open to prosecution and it means we can’t defend the claim. Part of understanding their obligations is also being able to demonstrate that they’re complying and the best way to do this is by documenting and evidencing everything they do from a formal health and safety document to risk assessments, to staff training, and recording this in a place where it’s easily retrievable in the event of an incident.