Tips-For-Pokemon-Go

13 Safety Advice, Etiquette Reminders & Tips for Pokemon Go Players

As the newest craze sweeps the world, we are reading reports each day of players being hit by cars, falling off cliffs, walking onto railway lines, entering mines, even finding dead bodies and being bitten by poisonous snakes. Criminals are also using the ‘Lure‘ action to draw players to a specific location and mugging them for their phones.

You of course want to “catch them all” but as you go off exploring the augmented reality of Pokemon Go you need to remember the dangers of the real world and be respectful of those around you.

Here are our 13 Safety Advice, Etiquette Reminders & Tips for Pokemon Go Players:

  1. Only download the official version by Niantic from Google Play or Apple App Store
  2. Don’t forget that the app’s GPS uses a lot of your phone’s battery and you could find yourself with a dead phone pretty quickly. Although the data uses for the game has been praised at using very little. Perhaps consider buying a battery case or portable battery charger.
  3. Plan your route and take refreshments and a snack; you don’t want to get dehydrated and not be anywhere near a shop.
  4. Always tell someone where you are going.
  5. Think about where you are travelling on your adventures? Are you familiar with your surroundings? Consider staying to streets that you know well when out at night.
  6. Be aware of your surroundings; it is easy to lose your bearings when you are not paying attention.
  7. Take your eyes off your phone whilst crossing roads.
  8. Do not trespass on private property; it is disrespectful and illegal.
  9. Do not venture into unsafe areas such as railway lines or mines; remember that Pokemon characters move to different locations within the game so just wait for it to relocate.
  10. Avoid suspicious or isolated locations, especially if you are on your own.
  11. Be respectful, do not hunt Pokemon in places of worship or grave yards. Use your common sense.
  12. Never play Pokemon Go whilst driving.
  13. Disabling the AR function avoids taking photos of your surrounding during the capture and it makes the Pokemon easier to catch and improves battery life.

Be aware, be safe and have fun!

17 Essential Tips To Driving This Summer

17 Essential Tips to Driving This Summer

With the holiday season upon us, many of will be jumping in your cars for that day trip out or holiday with the family. While we can’t do anything about the British weather, traffic delays or the incessant “are we there yet?”, we can give you 17 Essential Tip to Driving this Summer to keep you and your passengers safe and help your journey run that little bit smoother.

  1. Check your fuel, oil, water, coolant and tyre pressure before setting off to avoid breakdowns.
  2. Plan your route especially if you are travelling to an unknown area.
  3. Ensure you have refreshments and a fully charged mobile phone in case of emergency.
  4. If you suffer from hay fever, remember to take your medication, you don’t want to have a sneezing fit driving at 70mph.
  5. When loading luggage inside the vehicle do not obscure your view through the rear window and if using a roof rack, do not overload and ensure it is strapped securely.
  6. When travelling with children pack toys, books and iPad’s etc. to keep them occupied.
  7. Buckle up and consider buying an in car safety harness for the dog for their and your protection in the event of a road traffic accident.
  8. Stay focused, keep your eyes on the road and your hands on the wheel and never check your phone while behind the wheel.
  9. Don’t drive tired, schedule regular stops of at least 20 minutes.
  10. Have sunglasses to hand; dazzle from the sun could cause an accident.
  11. Beware of slow moving or wide vehicles such as tractors.
  12. Slow down and give a wide berth to horses being ridden or cattle crossing the road.
  13. Give consideration to learner or newly qualified drivers; we have all been there once.
  14. Road repairs are a common sight in summer but loose chippings can cause cracks and chips to your windscreen and paintwork. Keep to any temporary speed limits and keep your distance from the vehicle in front.
  15. Take extra care when driving during or after rain as the road surface can become slippery.
  16. Keep your keys safe, it is all too easy to lose your keys whilst playing on the beach or taking a dip in the sea.
  17. Never leave a child or a pet unattended, heatstroke can occur in temperatures as low as 14c and on a hot day, temperatures inside a vehicle can reach deadly levels within minutes.

So remember, be prepared, keep your cool, don’t rush, expect delays and have a safe journey!

Keep Your Home Safe While On Holiday

Keep Your Home Safe While On Holiday : 10 Essential Tips

The holiday season is a great time to unwind and experience exotic destinations. The use of technology has allowed us to protect the homes we leave behind, and we’ve therefore taken the opportunity to highlight our top ten tips to ensure your future holidays remain memorable for all the right reasons.

1.Managing social media

Hacking into social media accounts can be an easy way to check if your house is unoccupied and  increases the chance of a burglary. Children in particular can be unaware of the pitfalls of providing details of forthcoming holidays.

2. Electronic alarm systems

An approved intruder alarm is a good deterrent but don’t forget to set the system and let the key holders know that you’re away. A remotely monitored system can also incorporate the fire protection – so consider upgrading the fire alarm to link into the intruder alarm panel.

3. Install time switches

The use of time switches for lighting and audio systems is a simple way to give the impression of  occupancy thus reducing the risk for opportunist burglars.

4. CCTV cameras

Modern CCTV cameras are good visual deterrents. Cameras can be used simply as a means of access control or arranged to provide full perimeter protection. Some systems allow remote viewing via your smart phone or tablet device too, which is useful if you’re away from home regularly.

5. Water leaks

When the home is unoccupied there is a higher risk of water damage going unnoticed. If there is daily attendance by a neighbour or staff then this can reduce the risk. Alternatively the plumber can shut-off the water supply before you leave or you could consider a water leak detection system which would turn off the water supply in the event of an abnormal flow.

6.Allow a friend or neighbour to leave their car in the driveway

Some private clients also use professional house sitters while on extended vacations who can look after pets while keeping the house occupied too.

7.While in another country

It is easy to relax and forget where you are when your holiday starts, which is the whole point of a

holiday. However, this makes you more vulnerable and an easier target. Try to lower your profile and blend in to avoid attracting attention and ensure that you are never isolated away from your group.

8. Store valuables in the main hotel safe

The guest room safes provided by hotels only have limited security features so we recommend using the main hotel safe for any valuables taken on holiday.

9. Have a mobile phone available at all times

For emergencies with speed dial for the police, friends and family nearby.

10. Remember your personal safety is more important than your personal property

If confronted by criminals, agree to their demands as this will diffuse the situation and avoid confrontation.

by AIG Private Client Group (PDF of article here)

Driving in France

Driving in France

More people visit France each year than any other European country and as the holiday period approaches, many will jump in their cars and take a relatively quick and inexpensive trip across to France via the Euro Tunnel or ferry. We’ve put together this article of driving in France to remind you of the differences between French and British driving laws.*

In early 2015, the French Government announced a 26 point action plan to improve road safety by improving driver’s concentration.  So even if you regularly drive on the continent you should plan your route and check out the current rules and regulations before departure.

What To Remember When Driving In France

  • You must be over the age of 18 to drive
  • The French drive on the right hand side of the road
  • French road signs do not always correspond to those found in the UK so it is important to know their meaning
  • Local driving styles and speed limits differ to that of the UK
  • Legal blood alcohol limits are lower than in the UK
  • The French police strictly enforce motoring violations and you will face on the spot fines often payable in the exact amount of cash (motoring fines range from € 17 minimum Class 1 offence to €150,000 maximum Class 5 offence)
  • If you break French laws you can have your UK driving licence confiscated and your vehicle temporarily impounded if there is no alternative driver with a valid licence with you

It is illegal:

  • To eat, apply make up, read a map, touch or program a device or listen to excessively loud music whilst driving (2016) – € 75 fine
  • To use headphones whilst driving a car, motorbike or bicycle. However, Bluetooth or integrated systems are still permitted (2016) – € 75 fine
  • To use a mobile phone whilst driving (this includes whilst stationary in traffic) – € 135 fine
  • To smoke when there is a child under the age of 12 travelling in the vehicle. It is also worth mentioning that smoking is also banned outdoors at children’s play areas including motorway rest areas (2015) – € 68 fine
  • Not wearing seat belts – € 135 fine
  • For children under the age of 10 to travel in the front seat. Children weighing less than 15kg must use a child safety seat. Over this weight can use a booster
  • To drink drive (The drink-driving limit in France is 50mg of alcohol in 100ml of blood – 30mg less than the UK limit). (The limit has been reduced further for those with under 3 years driving experience – 2015) – € 135 – € 4,500
  • To speed – € 135 – € 3,750
  • To park within 5m of pedestrian crossings (2015) – € 17
  • To use your horn in a French city except in case of an imminent crash
  • To use satnavs or mobile apps that detect French speed cameras. You can be fined even if the device is switched off! – € 1.500
  • It is compulsory to have with you in the vehicle:
    • Vehicle documentation – € 135 fine
    • National driving licence
    • Original Registration Documentation (V5)
    • Motor vehicle insurance documentation
    • MOT if the car is over 3 years old
    • GB Sticker on the rear windscreen (unless your licence plate has the GB Euro-Symbol) – € 90 Fine
    • A breathalyser (2008) – € 0 (The fine was withdrawn in 2013)
    • Head lamp converters for driving on the right to avoid dazzling on coming traffic – € 90 fine
    • Spare light bulbs – € 80 fine
    • Warning triangle (2012) – € 135 fine
    • Reflective jacket (which must be within easy reach without having to exit the vehicle) (2012) – € 135 fine
    • It is compulsory for motor cyclists to carry a reflective jacket and wear them in the event of a breakdown or emergency (2016).
    • Motorcycles are required to have daytime running lights
    • In winter, snow chains must be used on snow covered roads
    • If you wear spectacles you must have a spare pair in the car with you.

*(Each European country has its own laws and requirements and you are advised to check before you travel. This list is not exhaustive and is for information purposes only.)

Don’t let medical emergencies, loss or damage to belongings or travel delays ruin your trip, whether you are traveling within the UK and Europe or to the far ends of the earth contact us for comprehensive single or annual travel insurance.

Halloween Safety Tips - 2015

Halloween Safety Tips – Don’t Make Your Night a Frightful One

Tips to staying safe this halloween and fireworks night:

Halloween is likely to encourage as much creativity in theft as it does in costume design. However, it is not just theft that you need to be aware of. Accidental damage, and vandalism, will – as ever – mean that some people’s Halloweens are SERIOUSLY frightful. Fireworks will also play a major part over the next two weekends.

Both homeowners and business owners should protect their property as best as possible ahead of the festivities. It might be children looking for bonfire materials on commercial premises, or causing havoc to homes when no treats are available – the TRICK is to be prepared. Here are some top halloween safety tips from the team at Brownhill Insurance Group:

Home Owners

Never keep keys, handbags or wallets near to the front or back door, or near to any window. “One thief used a hook through a client’s cat flap to grab the house keys and then let themselves in” laments Megan Thompson, one of Brownhill Insurance Group’s Private Client Account Executives. Whether you are out and about on Bonfire night (and therefore not home to protect your property) or if you are opening up your home to trick or treaters, be mindful of opportunists.

If you are welcoming trick or treaters, remember that young people will be coming on to your property:

  • Make sure automatic security lighting is working well.
  • Remove any hazardous material that might be blocking your driveway and could cause harm if accidentally tripped over.
  • Rope off any valuable plants and ensure that any valuable garden statuary is made secure and is not hazardous.
  • If you are getting creative with pumpkins or lanterns with candles in them, make sure that they are far enough out of the way so that costumes won’t accidentally be set on fire.
  • If your door has a spy hole, look through it before answering the door. If not, see if there might be a way of taking a peek through a window near to the front door. If you are intimidated by the look of any visitors, do not answer the door. In extreme cases, call the Police.
  • If you will not be at home, make sure that all doors and windows are locked and that no valuables are on show through windows. Close curtains.

Businesses

The last thing a business needs is to lose out through time wasted making a claim, or through un-insured loss of profits as a result of stolen or damaged property. Warehouses, construction sites, yards and unoccupied premises are particularly vulnerable.

  • Be doubly sure you have locked up all premises at night and when un-patrolled.
  • Make secure, any building materials, tyres and pallets that need to be left outdoors, even if under cover.
  • Do not leave oil supplies lying around.
  • Make sure automatic security lighting and alarm systems are working well.
  • If possible, have your property guarded during this week.

Parents

Ideally, all children trick or treating should be accompanied by an adult.

  • Be visible, carry a torch and stay in well-lit areas.
  • Be careful not to frighten elderly people.
  • Be wary of taking food from strangers.

If your children will be trick-or-treating without you (they should be of an age that this is appropriate):

  • Plan a trick or treat route with them.
  • Instruct them not to talk to strangers in the street and not to knock on doors where there is a sign saying ‘No Trick or Treat Here’. You may even like to suggest that they only visit houses where you know the residents.
  • If they are carrying a smartphone, consider setting up a tracker so you are aware of their movements and current position.

First Aid

  • Familiarise yourself, preferably in advance of festivities, with first aid measures to take if your child is hurt. See the British Red Cross’s website for guidance for prevention and treatment.
  • If you are preparing costumes and taking your children out to trick or treat or see fireworks, think about the clothes that they are wearing (can they easily trip over in their costume? Are they fire resistance?)
  • Be careful carving pumpkins with sharp knives. Sweets can be a common cause for choking. See the British Red Cross’s website for guidance for prevention and treatment.

Road Safety & Reporting Crime

If you are on the roads, look out for excited little ghosts, ghouls and grim reapers crossing the road.

Be alert to youths congregating. Do not attempt to tackle a large group of people committing a crime on your own. Call the police.

Whilst bearing all of these security measures in mind, the most important advice that Brownhill Insurance Group offer is… Have Fun!

The Summer BBQ – Top tips to Staying Safe

During the short British summer, we all enjoy nothing more than gathering friends and family for a joyful weekend afternoon barbecue. Proving our cooking skills in the garden earns us a certain type of credibility amongst guests that cannot be garnered elsewhere.

First we venture to the supermarket for the food where we always buy too much. Next comes the marinating of the meats, dicing of the vegetables and ensuring there are enough napkins leftover from the last barbecue. Then finally, after all the preparation, the guests arrive, we throw on the apron, ignite the coals and away we go!

This same scenario will unfold millions of times this summer across Britain, each time a different experience and most times without a hitch. But unfortunately sometimes things won’t go to plan. Across 2013 and 2014 there were over 100,000 outdoor fires that required the call out of the fire brigade. Although not all of these were a result of barbecues, it is important to remember the risks that our summer cooking fun can bring.

Here are our top tips to staying safe this Summer with your BBQ:

  • Keep your barbecues away from flammable garden furniture such as wooden or plastic chairs,
  • Move your barbecue away from sheds, fences, overhanging branches and foliage,
  • Never leave a barbecue unattended,
  • Never let children too close to the barbecue,
  • Use only recognised firelighters or starter fuels on charcoal barbecues,
  • If you’re a gas barbecue user, ensure the tap is off before changing the cylinder.

Fire Safety in the Home

Did you know, you are 4 times more likely to die in a house fire if you do not have a working smoke alarm?

We’ve put together some top tips to help keep you and your family safe.

      • Test your smoke alarms regularly. A faulty smoke alarm is as good as no smoke alarm!
        Top Tip – Set a monthly reminder on your phone.

        Test Smoke Alarm – It could save your life!

Fire-Safety-in-the-Home-Reminders

    • Ensure you have a minimum of 1 smoke alarms on each level of your property.
    • Plan an escape route for your entire family. Knowing which exit to take in the event of a fire will give you valuable seconds to get out.
    • Never leave cooking unattended in the kitchen.
    • Never overload plug sockets. You may not realise that even if you only use the allocated amount of sockets on a extension lead, you could still be overloading that socket.

      Is your extension lead overloaded? Use the socket overload calculator below to find out.

  • Each year up to 50% of house fires are caused from cigarettes. Put them out and dispose of them safely.

The Socket Calculator has been brought to you by Electrical Safety First.

For more safety information visit http://www.electricalsafetyfirst.org.uk

Theft by Deception

Criminals are obtaining private financial data (specifically credit and bank card details) through an elaborate deception, with high net worth individuals being targeted.

Theft By Deception

The thieves contact an individual by telephone purporting to be from their bank or credit card company, suggesting that they have been targeted by criminals and need to give a variety of personal data ranging from bank and card details through to details about security at their house and personal possessions.

The victim is then encouraged to call their local police sta- tion and given the correct telephone number to do so. The criminals are able to keep the victim’s telephone line open, intercepting the call to the police and confirming everything is in order.

In some cases victims are advised to box up their valuables and told a ‘Police officer’ will visit to collect them for safe keeping. A ‘security password’ is then given to reassure the victim and authenticate the next stage of the deception, which involves a subsequent visit to the victim’s home to remove the items previously identified as being at risk.

Advice

Be aware and trust your instincts. If something does not feel right, it is better to be safe than sorry.
Always be suspicious of any cold calls, as this is not the way banks or credit card companies usually conduct their business.

Never reveal your full passwords or login details. Banks never ask for your PIN or for a whole security number or password.

Do not give any sensitive information, details of your domestic security, potential periods of unoccupancy or details of any valuable items.

Do not hand over possessions or documents. Police do not remove an individual’s personal possessions on the off chance that a crime may be committed.

What To Do

Suggest that you will contact your bank / building society / credit card company for further clarification and hang up.

Use another telephone if available or wait until the next day to make the call if you can.

Use a number from official printed documentation you have and not one given to you.

If you wish to respond more quickly, use a different tele- phone (with an alternative phone number such as a mobile phone) to call your bank, credit card company or the Police. Alternatively, call a trusted person (family, friends, neighbour) first and if this deception is happening, you will know that the person on the other end of the line isn’t your trusted person.

If someone calls offering a ‘security password’ or even visits your home purporting to be from the Police to remove items, do not let them in or hand over any possessions or documents, but call the Police as soon as possible.

How To Get Help

As already stated, use a different telephone (a different telephone number such as a mobile phone).

Call 999 if you feel you are under threat. The Police have confirmed that it is fine to call 999.

Call 101 non-emergency line if you feel calling 999 is not appropriate and the matter is not of an urgent nature.

Call your local police station. Details can be found on www.police.uk

Content courtesy of Hiscox – featured in Issue 1 of BIG Magazine

Warehouse Fire Safety

Fires in warehouses are an all too common occurrence, often causing widespread damage and resulting in serious business interruption. For many years arson has been by far the leading cause of fires in commercial and industrial premises, followed by fires of electrical origin.

Fire Safety Legislation

Fundemental to fire safety is the need to ensure that an ef- fective risk assessment is undertaken in accordance with the Regulatory Reform (Fire Safety) Order 2005. Where flammable liquids, gases or other dangerous materials are stored, a risk assessment should also be conducted in compliance with the Dangerous Substances and Explosive Atmospheres Regulations (DSEAR).

Storage Arrangements

Provide clearly defined storage arrangements interspaced with aisles of adequate width to facilitate full premises access/inspection and adequate means of escape.

Keep electrical switchgear, heating equipment and other plant clear of storage and provide guarding as required
Keep goods a minimum of 0.5m clear of light fittings (or as advised in your policy schedule). Particular care needs to be taken when employing high intensity discharge light- ing, for which the manufacturers’ guidance relating to safe lamp clearance distances and the provision of lamp contain- ment barriers should be observed. Irrespective of the type of lighting installation, the positioning of luminaires within aisles, rather than directly above stock is best advice.

Where sprinkler protection is installed, adequate clearance between sprinkler heads and stored goods should be maintained.

Storage should be kept clear of fire doors and fire exits should always be unobstructed Hazardous materials such as flammable liquids, oxidising agents and aerosol products should be suitably segregated as determined by the DSEAR risk assessment.

Outside storage of idle pallets, plastic crates and other combustibles should be strictly controlled. Individual stacks should, where possible, be limited to a maximum height of 6m and storage kept at least 10m (or 1.5 x the stack height where greater) from buildings, and a minimum of 2m from the site boundary

Avoid storing combustible materials on loading docks and under external canopies out of working hours.

Electrical Installation

Ensure that the electrical installation is correctly installed and maintained in accordance with BS 7671: Requirements for Electrical Installations.

Complete inspection and testing at periodic intervals by a competent electrical contractor, and remedy defects promptly.

The Institution of Engineering and Technology (IET) recommends an initial inspection and testing period for warehouse premises of 5 years, with subsequent inspection and testing at intervals recommended by the inspector.

Article content courtesy of LV – featured in Issue 1 of BIG Magazine

Reducing Costs by Reducing Time Off Work

Many businesses seriously underestimate the costs of day-to-day accidents and injuries. As well as increased insurance premiums and compensation payments, there are hidden costs such as loss of production, retraining, overtime or recruiting additional staff. And while employer’s liability covers compensation and legal costs, your business has to pay the rest.

Zurich Rehabilitation helps you reduce the costs of injuries and accidents at work by helping employees return to work sooner. It’s a free service that is available as part of Zurich’s Employer’s Liability Insurance. Accidents at work Reducing cost with Zurich Rehabilitation Zurich Rehabilitation is an innovative approach to injury management, which brings together traditional insurance, risk management and injury management to help your employees return to work sooner. It’s all about working with you to help manage the cost of business risk.

Zurich Rehabilitation is suitable for most injuries arising from workplace accidents and offers immediate access to professional medical expertise. As well as demonstrating a commitment to the wellbeing of your employees, this early intervention can help reduce the cost of accidents to your business. For example, loss of earnings can form a large part of a claim. By reducing the length of time an employee is absent from work Zurich Rehabilitation can have a big effect on the final costs.

The cost of absence following an accident at work:

Cost to Employer
Cost of Claim
Cost (£) Time

Accidents happen, and it’s the employers who have to bear the cost.

• Accidents in the workplace currently cost Britain’s employers up to £6.5 billion every year.
• Injuries at work actually cost employers eight to thirty six times the amount of any insurance payments.
• In 2003-04 an estimated 9 million working days were lost due to workplace injury.

Source: Health and Safety Executive (HSE)

While the size and nature of claims obviously varies, here’s an idea of some of the more common ones:

Machinery, tools or materials £9,744 – 34%
Slip/trip £9,32 – 21%
Struck by object/person £9,645 – 15%
Lifting £10,020 – 12%
Fall from height £19,656 – 5%
Source: Zurich

(Average claim paid Percentage of employers’ liability claims)

“Through Zurich Rehabilitation we have been able to focus on absence management as a result of an accident at work. Not only has this been advantageous to us as a company,but employees are also benefiting  from this programme” – Epwin Group

The type of injuries most likely to benefit from Zurich Rehabilitation are:

• Back injuries
• Neck injuries
• Musculo-skeletal injuries
• Hernia

An experienced and highly qualified team based in our Medical Management Centre in Birmingham, our qualified Occupational Health Advisers (OHAs) have industry experience, so they can talk to you knowledgeably and help to find the right answer for each individual case.

Strong relationships enable everyone involved to get the best results from Zurich Rehabilitation, so we’ll allocate a specific OHA to your business. This means you’ll always know exactly who to contact and will get to know and trust your OHA. In return, your OHA will gain a clear understanding of your working environments and can better tailor your employee’s return to work. Our team’s aim is to make sure that everyone benefits from the rehabilitation process. This means getting treatment for your employee that will enable them to return to work as soon as possible, while controlling the potential claims costs.

We can’t put a specific figure on the total cost savings available – these vary from business to business and results can take up to three years. We believe that the additional medical costs in most cases are less than the claims savings, reducing the overall claims cost. This should reduce premiums. Here’s a case comparison to help illustrate the point:

A 50-year-old factory worker sustained a groin injury while moving heavy machinery. He visited his GP who diagnosed a left inguinal hernia. The injured employee was unable to remain at work until a surgeon saw him and the hernia was surgically repaired. The local NHS waiting time for this referral and procedure was over 12 months. The employer referred the case to Zurich and the Occupational Health Adviser (OHA) arranged a private referral to a surgeon. As a result the operation was successfully performed just two months after the accident and the employee returned to full duties at work two months later. By reducing the time off work from 14 months to four months Zurich’s intervention resulted in a massive £13,700 cost saving (saving on sick pay of £14,400 less the treatment costs of £1,700). Additionally the employee received treatment 10 months earlier than the NHS could have provided it, and the employer saved on the considerable hidden costs they would have incurred during that period.

How Zurich Rehabilitation works

Following a RIDDOR reportable incident (for example a back injury), you can immediately contact our OHAs. Our team will liaise with the injured party, claims handler, solicitor, GP and treatment providers to assess the injury and arrange for the most appropriate medical consultation and treatment. In most cases, we can arrange for treatment to start within seven days of your call to us. This helps ensure the best possible outcome for your employee so that they can return to work sooner. The OHA will notify our claims department of all new cases referred to us. This allows us to manage any potential claim (for instance by investigating the accident), before a formal claim is made. Once treatment has been given and the injured party has made progress in their recovery, we will look for them to return to their employment in a safe and appropriate manner. We will always consult with you about the return to work and look to create a partnership between the employer and employee to ensure the return to work is sustainable.

Because Zurich Rehabilitation gives us the opportunity to work closer with you to manage accidents at work, we don’t charge for the service of our medical management team. However, we do record treatment costs and they can form part of your ongoing claims experience.

“ Zurich’s Rehabilitation Scheme is proving to be a ‘winner’ for all our businesses. Working in close partnership with the occupational health team at Zurich has helped us fast track our people back to work more quickly when the have had an accident at work, with the positive help and support they need. Our employees are our most important asset and to help them back to work more quickly when things go wrong, must be right for them and the business.”- Silentnight Group Limited

The Zurich Rehabilitation process

If a case is not suitable for injury management the OHA will advise the insured site co-ordinator and the claims handler Customer notifies Occupational Health Adviser (OHA) of the incident. The OHA will liaise with all parties to establish full information surrounding the injury. If the injury case is suitable for injury management the OHA will agree a treatment plan with the injured party and advise insured site co-ordinator. If the injury case is suitable for injury management the OHA will agree a treatment plan with the injured party and advise insured site co-ordinator. If treatment is already being provided (eg by the NHS) the OHA will monitor the case and consider intervention at a later date if necessary. The OHA will liaise with all parties throughout to update on progress etc. Zurich’s OHA notified.

To find out more

If you’d like to know more about how Zurich Rehabilitation can help you and your business either speak to your usual Zurich contact, your broker (eg. Brownhill Insurance Group) or call one of the Zurich Employers Liability team on 0207 617 4366. Alternatively, you can take a look at our website www.zurich.co.uk/corporate

Article courtesy of Zurich Insurance Company