Young, free and at risk

The fact that young workers are injured or killed at work underlines insurers concern that basic risk control in SMEs often leaves something to be desired. Phil Grace has some pointers for brokers they could pass on to clients to help protect those vulnerable in their care

The risk facing young people in the workplace - and consequently the legal standing of their employers - was illustrated recently by the death of an apprentice mechanic in Sussex.

The apprentice, aged 18, died when petrol exploded at a motor-vehicle repair garage in February 2005. At the time, he was helping his manager to empty a mixture of petrol and diesel from a dustbin into a waste-oil disposal tank on the petrol forecourt. The flue-pipe outlet from a gas boiler, located next to the tank

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The growing role for brokers in fighting insurance fraud

With reports of fraud escalating in terms of value or number, the role of brokers in combatting these crimes should not be underestimated. Edward Murray looks at the controls, validation tools and processes being implemented to support both detection and prevention.

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