Liability
Bespoke liability risk assessment advice and training to protect people and performance
Liability Risk Management
Liability risk is a concern for every organisation. It's essential to manage liability risk by adopting and using appropriate risk management frameworks and processes. With clear visibility over the risk landscape and smart management of your risk profile, you can make better decisions and protect people and your reputation.
At Zurich Resilience Solutions (ZRS), we provide tailored risk management services. We empower organisations to make informed decisions, optimise budgets, and manage risk on several fronts. Whatever your organisation’s size or sector we can work with you to reduce risk.
From safety management training to consultacy and advice, we deliver bespoke services based on your current needs and future goals.
We can help you with employers' liability, public liability, product liability, claims defensibility and more. Our services are designed to align with your budget and long-term vision. Our experienced team of health and safety and liability consultants does more than deliver services — they unlock targeted solutions to help you operate with greater confidence.
We protect your people, assets and reputation by reducing risk and improving claims defensibility should the worst happen.
Review and Manage Liability Risk
At ZRS, we help you identify, manage and overcome liability risk. We will review your risk identification profile, shed light on your current exposures, and help you to reduce and manage risk on several fronts. Whether you're setting up new systems, entering new territory, or trying to prevent and defend claims, risk management is core.
Extensive Liability Risk Solutions
Our experienced team can perform a detailed assessment of liability risk across your organisation. We can analyse your risk profile in several key areas, from people and products to buildings and assets. We can review how you investigate accidents and defend claims, and also show you how to build stronger systems and optimise risk management budgets.
From potential accidents to past losses, from employees and customers to the built environment, our extensive risk analysis and improvement measures are designed to help you thrive.
Accident Investigation and Claims Defensibility Review
Accident Investigation and Claims Defensibility ReviewAn external expert review of your arrangements for investigating accidents and defending claims, to ensure they are robust and effective.
Built Environment Asset Management Review
Built Environment Asset Management ReviewThe review assesses injury and liability risks in built environment assets you own or manage, providing improvement actions and liability training solutions.
Combined Liability Assessment
Combined Liability AssessmentEnsure effective Employers’ and Public liability risk management with expert assessments, identifying and controlling injury and health risks in the workplace.
Construction Liability Assessment
Construction Liability AssessmentEnsure robust health and safety management with our expert assessment, identifying and controlling injury risks for employees, subcontractors, and the public.
Employers’ Liability Assessment
Employers’ Liability AssessmentAn expert assessment of your health and safety management systems and procedures against best practice and the principles of effective claims defensibility.
Liability Desktop Review
Liability Desktop ReviewA desktop review comparing your organisation’s potential liability risk exposures and controls with best practice.
Liability Post Loss Review
Liability Post Loss ReviewImprove health and safety management and claims defensibility with our targeted review, learning from past losses to prevent future incidents.
Liability Training
Liability TrainingEnhance safety and claims defensibility with tailored training from experienced professionals, covering a wide range of liability and risk management topics.
Products Liability Assessment
Products Liability AssessmentManage product liability risks with expert assessment, reviewing controls, quality systems, and recall procedures for robust claim prevention and defence.
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Find out how ZRS can help your business identify and mitigate risks.
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Frequently Asked Questions
Organisations can reduce liability risk through several strategies, including:
- Implementing Comprehensive Policies: Establish clear guidelines and procedures that outline expected behaviours and processes to mitigate risks.
- Regular Training and Education: Provide ongoing training for employees on safety protocols, compliance, and risk awareness to minimise the likelihood of incidents.
- Conducting Risk Assessments: Regularly evaluate potential liabilities associated with your operations and address any identified risks promptly.
- Utilising Contracts Wisely: Carefully draft contracts to limit liability exposure and clarify responsibilities with clients, suppliers, and partners.
- Purchasing Insurance: Obtain appropriate liability insurance coverage to protect against potential claims and financial losses.
A liability management strategy typically includes:
- Risk Identification: Recognising potential areas where liability may arise.
- Risk Assessment: Evaluating the severity and likelihood of identified risks.
- Implementation of Controls: Establishing measures to manage and mitigate risks, such as policies, procedures, and training.
- Monitoring and Review: Continuously tracking the effectiveness of the strategy and making adjustments as needed in light of new risks or events.
- Crisis Management Planning: Preparing for potential incidents by having a response plan in place.
Liability risk management is crucial for organisations because it:
- Protects Financial Stability: Effective management helps avoid costly legal claims and settlements that can impact the organisation's financial health.
- Enhances Reputation: By demonstrating a commitment to safety and compliance, organisations can build trust with people, customers, partners, and the community.
- Ensures Compliance: Proactive risk management helps organisations comply with regulations and reduce the risk of fines and penalties.
- Promotes Operational Efficiency: Identifying and mitigating risks can lead to improved processes and a safer work environment.
The key components of a liability management plan include:
- Risk Assessment Framework: A systematic approach to identifying and evaluating risks.
- Policies and Procedures: Clearly defined guidelines for managing liability and ensuring compliance.
- Training Programmes: Initiatives to educate employees on risk management and safety practices.
- Insurance Coverage: Appropriate liability insurance policies to mitigate financial exposure.
- Monitoring and Reporting Mechanisms: Systems for tracking incidents, claims, and the overall effectiveness of the management plan.