Summer staycation risk management
Authored by Covéa
Whilst many of us will be hoping for a break abroad this summer, it’s likely that UK ‘staycations’ are here to stay with us for a while longer. We’re hopeful that the rules will continue to relax and that we can socialise with friends and family again. With summer garden parties and BBQ’s on the horizon, what should we be looking out for when it comes to outdoors risk management? How should guests be protected?
Swimming pools can be a great way to cool off on those hot summer days. But they can also pose a number of hazards - we’ve seen a number of liability claims where swimming pools are involved. It’s therefore important to ensure any slip hazards are removed and that signs are visible to display the shallow and deep end of the pool. Always have a responsible adult supervising children around the pool and keep up with general pool maintenance and cleaning to help prevent anything going wrong.
Hazardous areas such as lakes and disused buildings should also be considered when having friends and family over or hosting parties. Again, ensuring that such hazardous areas are maintained can help prevent accidents and injury. The use of signage around lakes and disused buildings, warning of the potential danger is a good idea too.
Hot tubs are great to socialise in, especially as the nights get warmer. Similar to swimming pools, it’s important to keep up with general maintenance and cleaning, but also to ensure surfaces around the hot tub are kept dry and slip free mats are used.
It’s important to ensure properties remain in a good state of repair, and that any hazardous areas are clearly signposted and measures are put in place to prevent accidents happening. A duty of care is required for when visitors come onto client’s property, even those deemed close family and friends.
Should the worst happen, it’s good to know that our Executive range of HNW policies provide up to £10m liability cover.
Covéa Insurance is the UK underwriting business of the leading French mutual insurance Group Covéa and offers competitively-priced household and motor insurance, along with a range of commercial insurance products designed to meet the needs of most businesses, through a nationwide network of intermediaries.
Regional distribution teams based in 9 regional offices offer brokers and insurance intermediaries direct access to senior underwriters. Covéa Insurance handles the insurance needs of over 1 million policyholders.
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