A brand new product – Hauliers Liability by Yutree

We are delighted to launch our brand new product, Hauliers Liability by Yutree.

In partnership with Aviva, Yutree are bringing you access to our exclusive hauliers liability product providing employers, public and products liability cover for your haulage, removal and courier clients.

We have a long history of underwriting haulage business and can help you to win and retain business in this sector with our service, advice, cover and premiums.

Aviva

Whether your client is an owner operator or managing a larger fleet we are providing a liability solution to deal with the compensation claims which they may be faced with in the course of running their business. From an employee accident at work to third party property damage, it is vital that your client can be confident that all claims will be dealt with swiftly. The transport industry is one which simply must keep moving therefore we provide peace of mind that all legal liabilities are covered by people who really understand the sector.

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Why deal with Yutree for your hauliers liability requirements?

  • Excellent financial security
  • Exclusive quotes
  • Competitive pricing
  • No proposal forms
  • £250 third party property damage excess
  • 15% commission
  • Rating based on wages and turnover
  • Flexible and logical approach to underwriting
  • Minimum premiums of £350 + ipt
  • Excess PL/Prods layers available

Lorry - Shutterstock

If you would like to discuss a risk, find out more or get a quote then please do get in touch with me or one of the team on 01638 675992 or laura.high@yutree.com

Thank you for your continued support.

 

 

 

Noise Induced Hearing Loss claims – As a broker, how can you help to protect your clients and their businesses?

“Are you entitled to compensation for Noise Induced Hearing Loss?” There has been a significant rise in marketing activity from firms of solicitors and claims management companies promoting a ‘no win no fee’ approach to claims for industrial deafness. “How much for Tinnitus?” “What’s my claim worth?” “Can I get compensation?” are all strap lines designed to draw potential claimants towards firms who will act on their behalf and guide them through the process of claiming.

What does this mean for your clients receiving solicitors’ letters alleging Noise Induced Hearing Loss (NIHL)? Businesses being targeted by claims management companies and solicitors include:

  • Steel industry
  • Engineering
  • Manufacturing
  • Construction
  • Textiles

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It is often the case that one successful NIHL claim will lead to others as the word spreads. A run of these on a claims experience will have an adverse effect on your clients’ insurance premiums in the future. Whilst the claims are often historic, there is a job to do in tracing the insurer who was the Employers Liability insurer for the business at the time. If your client is unable to trace the historic records or insurers then it may ultimately be their responsibility to handle the claim. Also, if the claimant is still insured, there will be a case to answer for your client.

What advice can you offer your clients facing such claims against them? These claims can and should be defended. The Supreme Court decision in Baker v Quantum Clothing Ltd (2011) is seen as having prevented the floodgates being opened to industrial deafness claims http://ukscblog.com/case-comment-baker-v-quantum-clothing-group-ltd-ors-2011-uksc-17/

In the insurance trade press recently, Aviva are quoted as saying that 85% of NIHL claims fail. There is a suggestion that these claims can succeed because many of them are against companies no longer trading or no documents are able to be traced. Your client should, at the very least:

  • Make a full search of their archives to identify their brokers and insurers at the time the claimant was employed and to demonstrate their workplace practices at the time
  • Have a solicitor on standby who is well versed in handling NIHL claims to ensure that a robust defence can be deployed
  • Question the claimant’s history of exposure to noise
  • Challenge the results of noise testing if there is any doubt as to its reliability
  • Instruct an engineer to forensically calculate noise levels if similar machinery can be inspected. Historic noise surveys can also be used to ascertain what noise levels may have been in a factory which has since closed down or where machinery has been sold or disposed of.

Use the Employers Liability database to help your clients to trace prior insurers http://www.elto.org.uk/

And of course, today’s risk management will play a major part in preventing losses and showing your client, when placed under scrutiny, as a business which takes its responsibility for the standard of care to its employees seriously. Advise your clients to:

  • Assess the risk to employees
  • Take action to reduce exposure
  • Provide personal protective equipment (PPE) to employees
  • Provide training and information to employees
  • Maintain records of training, information provided and PPE provided
  • Carry out regular health checks
  • Understand and manage the legal noise limits

For lots more useful information and advice for your clients on this subject, take a look at the HSE website http://www.hse.gov.uk/NOISE/advice.htm 

Steel factory - Shutterstock