Is there anything that I can do to prevent my premium from increasing? There are many actions with little or no cost that can be done. Tip 52 – How can I prevent insurers from making easy pay outs to claimants? – – Employee Claims I would like to pay a sincere thanks to many of you who have so kindly commented so positively on the information and advice being posted. It has honestly been a great source of inspiration to continue to make every effort to work with and for retailers to improve insurance claim results through basic actions. In our last piece I referred to what you can do to provide yourself with an improved chance of having a defence against a claim coming from visitors to your shops. On this occasion I want to address claims from employees which although historically are smaller in number are far greater in terms of cost. This is largely due to an element of loyalty to their employer in terms of frequency and loss of earnings combined with the fact that it tends to be only the more serious natured injuries that come from employees in terms of cost. Every time I make reference to Training Records to any employer I hear an audible groan! It appears that their belief is that creating and maintaining a reasonable standard of Staff Training Records is something way beyond their humble capacity! At this point I must apologise because as I write I have paused for way too long to come up with another more suitable/appropriate word to describe what I feel about this belief. It’s bullshit! Whatever is a part of your staff’s duties, (using a meat slicer, lifting up and down, carrying, cooking, taking reasonable care of their own well-being – write out a heading on each topic confirming the date and time that training was given. Have the trainer and the staff member sign to confirm that they have undertaken and understood the process and put it on the Personnel which I’m sure you have!!!! There is lots more that I could and should say on this subject but as ever I must keep these pieces brief – many of you have the DAS Legal Expenses Insurance cover which entitles you to free advice on employment issues – as ever call me directly for any individual advice. Always remember – call us to discuss any/every incident. We will advise and guide you.