The majority of employees are employed in small and medium enterprises, where most occupational accidents occur. Occupational hazards are categorized based on whether or not the hazard leads to an accident (Accidental and Non-Accidental Risks), with the former being divided into Indirect and Immediate Accidental Risks.
The concept of occupational risk assessment should be to develop and promote employers, employers safety technicians, occupational physicians, labor and health inspectors, the various scientific and professional bodies, but also themselves the public services involved in these matters. This may be ensuring the right assessments and machinery is in place for safety. Whether that is pallet racking inspections or looking at malfunction or defects.
Risk assessment is the careful consideration of what will harm employees so that it can be assessed whether the necessary Measures have been taken or whether more to avoid risks. The important ones Factors considered are the source of the risk is serious and if it has been addressed with satisfactory measures so that the risk is negligible. The purpose of risk assessment is to ensure that no one is at risk of injury or illness as a result of work. The following steps make it easy to systemic risk assessment:
Step 1: Identify the sources of danger.
Step 2: Determine who may be harmed.
Step 3: Assess the risks to see if existing precautions are adequate or whether more action needed to be taken.
Step 4: Describe the steps to be taken.
Step 5: Check the assessment and review regularly if necessary.
Prevention and Treatment
With the right approach, the prevention and successful management of psychosocial risks and work stress can be achieved, regardless of the size or type of business. They can be tackled in the same logical and systematic way as other occupational safety and health risks. Employees and their representatives have the best understanding of the problems that may arise in their workplace. Their participation ensures that the measures implemented are appropriate and effective.
Professional Liability Insurance is vital
The costs of the compensation that you are legally obliged to pay to third parties, due to negligence or omission, during the exercise of your professional activity.
- Defense costs and expenses, including out-of-court settlement.
- Monetary compensation for Personal Injuries or Death of Third Parties (concerns specific professions eg Doctor)
- Infidelity of employees (concerns specific professions eg accountants) What should we look out for in a Professional Liability insurance?
The insurance application, the choice of the insurance company, the coverage limits, the exemptions, any exceptions as well as fine print are important for a professional liability insurance policy. In many cases, professionals take out an insurance policy thinking that they have the right coverage and when the risk arises they are finally completely exposed. For this it is very important and necessary the contribution of the intermediary and especially of the insurance broker who always acts as a representative of the client and not as a representative of the respective insurance company. It’s time to start being sensible and efficient.