Employee health and safety keeping you up at night? Ever-changing employment law legislation got you confused?
At Marsh Commercial, we’re more than just an insurance broker. We advise and provide practical solutions on all areas of operational risk - including health and safety, employment practices and environmental exposures.
Let us support you to operate more efficiently and profitably, while providing the evidence that insurers are increasingly requesting to see. Together, we can help reduce your insurance premiums, minimise your need to claim, avoid prolonged business disruption and most importantly, keep your employees safe.
Our services*
Cyberattacks, fires, floods, theft, accidents or illness. Disaster can strike in a number of ways, leaving you unable to operate. However unlikely it might seem, it’s crucial to prepare for the unexpected. We can support you with:
Business continuity plan templates
A business continuity plan helps prepare you for the worst. It could be vital to protecting finances, ensuring you can continue to work and earn. We can provide templates with instructions to help you complete your own business continuity plan.
Business continuity planning development (single site)
We can come into your business and conduct an initial impact assessment, follow up interviews, and business recovery strategy workshops to develop a business continuity plan that’s bespoke to your business.
Focused business interruption reviews
We can conduct insurance documentation reviews, interviews with nominated stakeholder and do an analysis of principal business interrupting risk issues, estimating the maximum loss calculated net of available mitigation.
With lots of changes effecting employment law, it’s important to remain ahead, keep your documentation up to date and seek specific advice as to how the changes impact your business. We can help you with:
HR and employment law support
This package is a personalised service that allocates you an employment law consultant to work alongside you and your business. We’ll review existing HR systems, procedures and handbooks. And provide ongoing advice and assistance with any unexpected HR issues. Plus, this package provides an advice guarantee (providing you inform us of all the case facts and follow our advice), whereby we will defend you against employment tribunal claims/pay any settlements.
Redundancy support
This can be tailored from a DIY solution, to a fully supported package that takes care of everything for you. We will provide all the tools, template and guides needed to make the process as easy as possible.
Having adequate fleet risk management insurance in place can help reduce the frequency of accidents and associated claims. It can also reduce your premiums. We can design a support program bespoke to your business and can include:
- Management system review
- Documentation review
- Operational site visits
- Ride-outs
- Driver and Line Manager surveys
- Forum attendance
- Reports and advice on improving driver safety
- Fleet services academy – yearly membership available
Ongoing support can be arranged as needed. We also provide claims defensibility along with risk finance and analytics solutions.
Over half a million working people sustained an injury at work last year.1 Many incidents can arise from inadequate employee training. We can offer access to health and safety training, designed and quality controlled by the chartered body for health and safety professionals - the Institution of Occupational Safety and Health (IOSH):
Managing safely course - £375pp plus VAT
- Three day course
- Perfect for managers and supervisors responsible for people and processes
- Accredited by the Institute of Occupational Safety and Health (IOSH)
- Delivered on-site or virtually
- Classes for up to 15 people.
If a managing safely certificate is held, we can also provide a one day IOSH accredited refresher course - delivered online or in-house. It’s recommended a refresher is completed every three years to keep up to date with health and safety responsibilities. Price available upon request.
Working safety course - £175pp plus VAT
- One day course
- Ideal for any level of employee who needs a grounding in health and safety essentials
- Accredited by the Institute of Occupational Safety and Health (IOSH)
- Delivered on-site or virtually
- Classes for up to 15 people.
Bespoke training and E-learning courses
Alongside our IOSH accredited training courses, we can also provide bespoke training courses covering topics such as manual handling, fire safety, risk assessments and general health and safety.
Or if you're looking for a more digital-first approach to health and safety - we can provide a high quality, mobile first, learning platform, to help you to deliver training across your workforce quickly and easily.
Prices available upon request.
Reviews and/or audits
- An independent assessment of your health and safety management system
- Provides clear prioritised recommendations for improvements
- Highlights examples of best practice
- Assesses the key exposures and the associated risk control measures
- Provides clear guidance on changes in regulatory requirements and areas of possible future non-conformance
- Price available upon request.
General health and safety support
This is a personalised, bespoke, service that allocates a local consultant who will help you to ensure compliance. Site visits arranged as needed and assistance in the formulation of all health and safety policies and other relevant documents. Risk assessments are provided and advice on any control measures.
Price available upon request.
Inaccurate property valuations are creating a significant underinsurance risk to buildings and properties. In fact, in the UK an average of 83% of properties are underinsured!1 If your property doesn’t have the correct sum insured, it can have a significant financial impact in the event of a claim.
We work with RebuildCostASSESSMENT to provide either:
- A desktop Rebuild Cost Assessment for just £150 + VAT.
- A full site valuation service – price available on request.
We’ll review your building insurance policies, paying particular attention to the accuracy of rebuild costs and sum insured, giving you peace of mind that you have the right level of protection in place.
1. rebuildcostassessment.com/single-post/which-properties-are-most-underinsured
We will identify any hazards, explain the risks involved and how they can be controlled.
*These products and services are provided by a range of internal consultants, Marsh Risk Consulting, and third party providers who do not form part of Marsh and McLennan Companies’ corporate group and are not affiliated to Marsh Ltd trading as Marsh Commercial and our affiliates. We disclaim any and all liability, including any express or implied warranties, whether oral or written, for that third party’s products and services and the performance of any if its obligations to you. You acknowledge that no representation has been made by us as to the fitness of the third party products and services for your particular intended purpose. If you decide to utilise the products and services offered by that third party, we will receive a commission for the introduction of this business.
Not sure which problem to tackle first?
Not an issue at all – many businesses feel the same. To talk to an expert simply call on this number or complete the online form and we’ll call you.
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Frequently asked questions
A Rebuild Cost Assessment is available for both residential and commercial properties. At Marsh Commercial, we can value any residential property with a current sum insured of £5 million or less by desktop unless they’re Grade 1 or Grade 2* listed where we’d offer a site valuation.**
Desktop valuations can be completed within approximately 12 working days. Site valuations are always quoted depending on what is required. They are usually completed in approx. 4-5 weeks.
We can assess Grade 2 listed properties, both commercial and residential with a desktop valuation. However, Grade 2* and Grade 1 would require a site valuation survey.
The listing is very applicable to the valuation. These buildings are protected for a reason as they have considerable local value. The materials used and internal elements (that would also be listed), all feed through into the rebuild valuation. This would cause the rebuild cost to be higher than if it wasn’t listed.
A common misconception is that if a listed building is completely destroyed it doesn’t have to be replaced as it doesn’t exist anymore. So in the event of a total loss, there would be a different result. However Historic England will insist that the build is replaced as closely as possible to its original design. Whether that’s a commercial or residential building. It does carry significant financial risk with it, and it’s certainly an area where we see a lot of underinsurance. Getting a rebuild valuation on it is hugely important.
Your business faces a wide range of risks - does it every feel like there are more health and safety hoops to jump through and mountains of legislation to climb before you can even start to think about growing your business? It pays to be prepare in order to tackle:
- People risk – your employees are your most important asset. Their wellbeing, health and engagement directly impacts your business’s performance
- Employment risk – with new legislation regularly being introduced it’s important to ensure employment policies are aligned with the latest legislation and procedures to avoid potential claims.
- Operational risk – whether on-site or in the home office environment, your health and safety (for example) practices need to meet all the legal and regulatory requirements
- Property risk – if your property doesn’t have the correct sum insured, it can have a significant financial impact in the event of a claim
- Cyber risk – from postal and email addresses, to invoicing details or payroll records; whatever the size of your business, your data is gold dust to cybercriminals and it could be used for fraudulent activity with significant financial and reputational consequences.
Risk is an inevitable part of doing business, and today’s ever-changing environment poses new challenges for businesses. The better you understand your risk environment, the better you can anticipate what’s coming around the next corner.
Effective risk management enables your business to make more informed decisions, avoid the typical pitfalls and deliver on its growth plan. It can help reduce your insurance premiums, minimise the need to claim, avoid prolonged business disruption and most importantly, keep your employees safe.
Insurers increasingly want to see evidence of risk management – whether it’s up-to-date health and safety training, a comprehensive fire risk assessments or a robust business continuity plan.
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