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Every employer is required by Law to appoint a Competent Person to assist them meet their legal health and safety obligations. This is a requirement under the Management of Health and Safety Regulations 1999. Quite simply, this means an employer must appoint someone competent to provide sound advice on all matters of health and safety. Indeed, insurers assume that you already comply with this requirement. The appointed Competent Person may be an internal appointment supported by external expertise or an independent, external appointment. In either case you will undoubtedly need the help of professional health and safety consultants who can provide a tailor-made competent person package to ensure you are able to meet this fundamental obligation. Health & safety consultant professional indemnity cover would pay not just the cost of your legal counsel, but also the cost of compensation. Therefore it is seen by many as a financial safeguard and a fact of modern business. A policy will normally not just cover against mistakes, but also protect you against claims that you have breached confidence, someone’s copyright, committed unintentional defamation, or lost or damaged a client’s important data or documents such as plans or digital information and databases. Therefore it is quite flexible and able to give you financial support towards protecting against a wide range of legal challenges. It does not matter how valid the claim made against you is. You will get pay out towards your legal defence no matter how true or false the claimant’s case is. It also does not matter whether or not you win – your defence in general will be covered.
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