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Business has changed over the years - that’s why we’re refreshing business protection to fit today’s small and medium sized enterprises.

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Business Protection

Health & safety case study

LV= Business Care is available as soon as your clients take out one of our Business Protection products.

Your clients can make use of the LV= Business Care helpline which offers free legal, tax and VAT advice on a number of business and commercial issues including; Health & Safety law, commercial disputes, Tax and VAT relief and current and changes to tax rules.

The case study below shows an example of how the service can benefit your business clients in a scenario with a business is taking on new work and are unsure what their health & safety obligations are. Please note that this is an example only and not based on a real company.

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Andy
Company Director

Andy, the Director of a small, newly formed construction company is asked to quote for a large job that involves significant repairs to a fragile roof. Andy hasn't carried out work in this area before and is unsure of his health and safety obligations.

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Scenario 1

Andy calls the LV= Business Care line to see what he needs to be aware of.

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  1. Andy is also made aware of the details behind the Work at Height Regulations.
  2. The lawyer advises him on how best to deal with this new type of work.
  3. And where to start his conversation with a H&S consultant.
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Scenario 2

Andy’s doesn’t seek legal advice and wins the contract.

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  1. An employee is seriously injured falling from the roof.
  2. An investigation is carried out by the Health & Safety Executive (HSE).
  3. The report finds inadequate training or safety equipment provided to the employee.
  4. Andy’s company is fined £3,500 and ordered to pay £3,800 in prosecution costs as well as a victim surcharge.

Background

  • A newly formed construction company.
  • A new business opportunity appears for work they've never done before.
  • The business owner is unsure how to deal with the situation.

Andy, the Director of a small, newly formed construction company is asked to quote for a large job that involves significant repairs to a fragile roof. Andy is keen to quote and win the business, hasn’t carried out work in this area before.

Business Care solution

Andy calls the LV= Business Legal Advice line to see what he needs to be aware of. He is reminded that under the Health and Safety at Work Act 1974, he has a duty to ensure the health and safety of all his employees and general public exposed to a risk.

Andy is also made aware of the details behind the Work at Height Regulations and the lawyer advises him on how best to deal with this new type of work (e.g. by using method statements, checklists and risk assessments), he is also told that for a definitive answer on everything that needs to be done to ensure the company meets its obligations, that he may benefit from finding a Health & Safety consultant.

The outcome

Andy finishes the call confident that he knows where to start his conversation with a H&S consultant and what he needs to have in place if he wins the new business contract.

The risk?

Andy’s doesn’t seek legal advice and wins the contract. An employee is seriously injured falling from the roof. An investigation is carried out by the Health & Safety Executive (HSE)) and the report finds that there were no fall prevention equipment in place and a lack of any health and safety management or planning for the job, with no adequate training or safety equipment provided to the employee. Andy’s company is fined £3,500 and ordered to pay £3,800 in prosecution costs as well as a victim surcharge.

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We may record and/or monitor calls for training and audit purposes.

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