In the event of a fire did you know that you are legally responsible for everyone who enters your business premises? That includes employees, customers, contractors, and all visitors. This responsibility extends to almost all employers and self-employed people.
Each year people die or are seriously injured as a result of fires at work. If someone dies because of your failure to manage health and safety you can now be charged under the Corporate Manslaughter and Corporate Homicide Act 2007.
In October 2006 The Regulatory Reform on Fire Safety (FSO) came into effect and replaced more than 70 separate pieces of fire safety law. The FSO applies to all non-domestic premises in England and Wales, including anyone who is responsible for a business premises.
The FSO requires you to carry out a fire safety risk assessment, and implement and maintain a fire management plan. Insurance companies now frequently want to see your risk assessment and implemented procedures BEFORE they will pay.
So is your business more at risk from fire or legislation?
If you have not undertaken a fire safety risk assessment, and implemented and maintained a fire management plan, you face large fines and/or prison with no insurance cover.
If you have undertaken a fire safety risk assessment, and implemented and maintained a fire management plan, you significantly reduce the danger to people and can rebuild you business in the insurance money.