Avoid the risk.

Take our advice. The simple fact is that the vast majority of risks can be avoided. By taking expert advice, contained in an NFU Mutual Risk Reduction Report, you can follow sensible steps to avoid the costs involved in such areas as farm and business safety and employee protection. A Risk Reduction Report from NFU Mutual makes recommendations which cover all the following areas, all tailored to your business or farm:

Health & Safety... Health & Safety is becoming more important in all sectors. EU legislation now applies the same high standards to agriculture which already apply to industry. Laws are also in place which require employers to identify and assess risks faced by their employees. An NFU Mutual Risk Reduction Report covers a whole range of risks, from machinery guards to noise levels. The Report can highlight risks which you may not even know existed. Our written Report will help you to comply with all relevant laws by giving the information you need in plain English. We’ll also clearly indicate any areas where you may not be complying with legislation.

C.O.S.H.H... The COSHH regulations place an ongoing responsibility on all businesses. There are high penalties for offenders. Your personalised Risk Reduction Report will assess your current level of risk; It will also detail recommendations for the storage, use and disposal of relevant substances.

Pollution... Legislation under the Environmental Protection Act means that “the polluter pays”. That means you should no longer assume that your insurance will pick up the bill if you fall foul of the law. In many cases, incidents of pollution are no longer covered. A Risk Reduction Report from NFU Mutual will appraise the potential your business has to pollute water, air and soil. Our surveyor will also recommend cost-effective measures to reduce your pollution risk to a minimum.

Security... By their very nature, in rural locations, most country businesses are vulnerable to vandals and thieves. Incidents of theft from tack rooms, farm workshops and offices continue to rise. Animal activists can also pose a threat. Your Risk Reduction Report will give you up to date advice on the best way to secure your premises and protect your property.

Property damage... In a typical year, 1993, fire damage for commercial premises added up to a bill of £423 million. Fire isn’t the only danger. The unpredictable climate in Britain over the last few years has also caused a Lot of damage to business property. Damage to buildings is also often caused by vehicles and animals. Our surveyor will tell you exactly how you can take cost-effective steps to protect your property from the likely causes of fire, storm, flood and accidental damage.

THE NFU MUTUAL RISK REDUCTION UNIT

Sound advice... Talk to the NFU Mutual Risk Reduction Unit and you’re talking to people who really understand rural businesses. You’re also talking to highly trained experts who will give you independent advice on how you can best protect yourself and your business, based on the latest laws, regulations and directives. A surveyor will visit you and prepare a comprehensive written report which details the hazards you face and suggests practical ways to reduce or eliminate them. The Risk Reduction Report you receive is personalised, detailed and prepared exclusively for your business.

Lower insurance costs - If you have a Risk Reduction report carried out on your business, it enables our underwriters to offer the best possible terms and premiums. In some high risk cases it may not be possible for our underwriters to quote a premium at all unless a Risk Reduction report has been carried out on the business.

IT COSTS NOTHING TO FIND OUT MORE

You can’t afford to ignore safety. At the very best, an accident would interrupt your business and lead to extra costs. At worst, someone could be killed, injured or maimed for life. And you’d still face extra costs and serious disruption to your business.

This service is provided by NFU Mutual Risk Management Services Limited

Click here for more details on our Risk Reduction Service

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