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Risk Advisor - RMAS Newsletter

25th November 2010

Welcome to the latest copy of Risk Advisor from Risk Management Advisory Services. In this newsletter we will update you on fire risk management: help you reduce your fire and security costs and introduce you to Jonathan Wakerley of BusinessWatch; provide information on Road Safety Week; introduce the insurance risk survey facility from RMAS and as usual consider some of life’s little quirks.

Please read on for more information about the services from RMAS


What's in this month's newsletter?




Fire Risk

How to Keep Your Premises Safe and Legally Compliant

Many Businesses are putting staff, customers and visitors at risk by failing to meet fire safety laws. Figures show the business itself will probably collapse should fire ravage its premises, yet the cost of ensuring a business has the necessary measures in place to protect it in the event of a fire could be as small as £1,000.


The regulatory reform (Fire safety) Order came in to effect in October 2006 and made it necessary to carry out a fire safety risk assessment and implement and maintain a fire management plan. The provision of fire-fighting equipment, the formulation of an evacuation procedure and the installation of fire alarms are all covered by the assessment. “These are very basic steps which could save lives in the event of a fire” says BusinessWatch Managing Director Jonathan Wakerley.

BusinessWatch is one of the RMAS risk management associates and has trained fire surveyors who can provide a free audit to businesses, advising them on what’s needed to ensure they meet the legal requirements. “We can provide a full service from basic audit through to the installation of alarm systems and fire extinguishers” Says Jonathan. “It’s about offering peace of mind to our customers”.


BusinessWatch is also now offering Fire Warden training. As per the regulatory reform order each company should have one member of staff trained in this area at all times. Our course takes place on site at BusinessWatch office, lasting approximately 4 hours and costs only £75 plus VAT per delegate, so what are you waiting for?

This can be booked by contacting Amanda Boldy on 01733 302900 or by email to, or call RMAS on 084 321 81 673 or email RMAS


25% Offer

Minimise your fire riskBusinessWatch has taken notice of the effect that the economic crisis has had on many companies in the area and has come up with a solution to help bring costs down. RMAS and BusinessWatch are now offering all new and current customers a guaranteed 25% reduction on whatever they are paying their current supplier for their fire and security services.


We are committed to providing a cost efficient services for all new and current customers, whilst maintaining our high standards of customer service and business relationships,” says Jonathan; “Many people say to us that this offer is too good to be true but we can assure you if you switch to us for any fire and or security services we will discount your current costs by 25%. By helping our customers to consolidate all of their fire and security costs RMAS and BusinessWatch becomes a one stop shop”.


To take advantage of the 25% offer, or to arrange a Fire Risk Assessment call us on 084 321 81 673 or email RMAS



Insurance Risk Surveys

Reduce your insurance costs


  • Have you ever wondered whether your insurance broker has fully understood your business?
  • Do they call for additional information due to insurers not fully understanding the risk features?
  • Are you sure they are getting you the best deal?
  • Are you certain your insurer will pay the claim if they are not in possession of all the facts?


This is where the insurance risk survey service from Risk Management Advisory Services comes in.


Take Control of YOUR Risk Information

Motor Risk ManagementOne of the underlying principles of insurance is “utmost good faith”. This means that an underwriter will make a fair and reasonable judgement of the insurance terms based upon the information that is presented to them. For your part you have to present all of the underwriting information, whether you believe it to be relevant or not. It is often the case that an insurer will not require completion of a proposal form. The completion of a proposal is in many ways a good discipline for you, the insured, as the onus is on the insurer to ask all relevant questions. You are required to answer them truthfully and completely. If however you rely on your insurance brokers risk presentation and then their closing instructions it is possible that they may have overlooked an important piece of information. In such a situation the insurer could refuse to indemnify you i.e. they will not pay your claim.


An RMAS risk survey will be carried out by specialist risk surveyor. These are surveyors employed by insurance companies and will therefore know exactly what an insurance underwriter will want to know about a risk and will present his report in a style and in words the underwriter will understand, however in this instance they will be working for you. They will also be able to identify positive risk features that may be missed by your broker. They may also be able to assist in pointing out some sensible risk improvements that will assist you.


Another good reason to have an RMAS risk survey is to avoid the uncertainty when you have introduced a competing broker to test the pricing of your current deal. If you have your own risk survey and provide it to both parties you will have confidence that the competing quotations are comparable.


Working with an RMAS risk surveyor will also help you deal with your insurance company’s risk surveyor. Our risk surveyors have been specially selected due to their expertise but also because of their commercial approach and because they are customer friendly. They can liaise with the insurers’ surveyor and indeed to represent you at an insurer survey and ensure that any risk improvements suggested are sensible, cost effective and provide you with a reasonable timescale for completion.


In order to arrange an RMAS risk survey contact us on 084 321 81 673 or email RMAS


Road Safety Week 2010 Stay Safe

22nd to 28th November 2010


motor crashDid you know that someone is killed by a driver who is speeding or travelling too fast for the conditions every 15 hours in the UK? This accounted for over 570 road deaths in 2009.


Road Safety Week is an annual event designed to highlight the dangers and promote safer driving and accident-reduction strategies. This year’s National Road Safety Week will focus on how children are affected by speeding drivers, and encourage children to discuss how speeding affects their lives; at home, school and play.


With the darker evenings encroaching on our daily journeys, it’s vital to be aware of the potential dangers and ensure your vehicle is roadworthy and in good condition.


Our website contains a wealth of information and advice on driving - covering numerous issues faced by those driving privately and for work purposes.

We also offer training courses for those who drive for work, driver risk assessments, in car and in cab camera systems to assist in insurance claims defence, but which also have a positive effect on driver behaviour; and a number of reports and procedural documents to assist in motor fleet management.


For more information or to a discuss a motor fleet risk survey please call 084 321 81 673 or email RMAS


Severe weather - advice to drivers


Wind and rain, ice and snow - winter can and does throw the very worst at us. So to help you prepare for travel this season, here's some helpful advice from the Highways Agency.


Highways Agency PosterWinter vehicle checks

Regularly servicing and checks that your vehicle is in good running order before setting out will reduce your chances of breaking down on the road. It's worth making these checks regularly - and particularly before a long journey:


Servicing and winter preparation

  • Check and replace the anti-freeze in the radiator
  • Replace the battery if it's not reliable
  • Ensure your tyres are correctly inflated and replace them if the tread has reached the legal minimum see


Before each journey

  • Make sure your lights are clean and check the bulbs
  • Ensure your windscreen, rear screen, and sides windows are clean and clear
  • If possible remove all snow off the car or van. Melting ice can slide off the roof under braking and cover your screen, and ice can fall of vans and trucks and be dangerous
  • But do not leave your vehicle running unattended to warm it up. It might not be there when you return to it

Highways Agency Emergency Kit posterAlways carry an emergency kit

Gather a few items and keep them in your car - just in case. Below are items that should be in your Emergency Kit:

  • Ice scraper, de-icer and soft brush
  • Torch and spare batteries
  • Warm clothes, boots and a blanket
  • First aid kit
  • Jump leads
  • Food and a warm drink in a thermos
  • A shovel
  • Reflective warning sign and reflective jacket
  • Sunglasses – to deal with sun glaring off snow


Adapt your driving in bad weather

Even after roads have been treated, driving conditions can remain challenging especially on stretches of road where there's risk of side winds or of ice forming. These include: -

  • Where there are changes in road elevation or exposure
  • Where the road passes under a bridge
  • Objects at the side of the road create shade
  • Side roads and where there is little traffic


And please slow down on corners and roundabouts where the risk of losing control is at its greatest.
Be smart - check traffic and weather updates
It makes sense to take a few minutes to make sure that there aren't any problems on your intended route before you set out. You can check for live updates on the radio as you travel - but do not use your phone while driving.


Also take regular breaks. Driving in difficult driving conditions is tiring and contributes to road accidents.
For more advice on developing a risk management strategy for your motoring risks contact Risk Management Advisory Services on 084 321 81 673 or email RMAS


It Makes You Think

Some More of Life’s Quirks from RMAS


Makes you thinkAt RMAS we are always amused by life and people, particularly when they can be so stupid.

Here are some more of our favourites.


  • Why does someone believe you when you say there are four billion stars, but check when you say the paint is wet?
  • Why do toasters always have a setting so high that could burn the toast to a horrible crisp, which no decent human being would eat?
  • If a policeman arrests a mime artist do they tell him he has the right to remain silent?
  • Why is there a light in the fridge and not in the freezer?
  • Do married people live longer than single ones or does it only seem longer?
If at first you don’t succeed . . . so much for skydiving