One of the most important things when dealing with potentially dangerous chemical or
biological agents in a lab is proper insurance to cover against the unthinkable happening
to one of your employees.
However, it is also important to make sure that you aid your employees in receiving the best possible advice in their own personal insurance policies. Putting your people in touch with their own independent financial advisor will mean that they will know about all the products available to them and exactly what cover they offer.
Independent financial advisors are people who are regulated by the FSA to give you the best advice possible on what to do with your money. Along with giving you help
on the best insurance package for you, they are able to provide impartial advice that will allow you to choose the best policy to cover your needs, as well as those of your laboratory and employees.
As well as the obvious costs that are covered by insurance, there are the lesser known costs that may not be apparent. If there were an accident in a laboratory, then there would be investigations carried out by the HSE (Health and Safety Executive) and the UKAS (United Kingdom Accreditation Service) to ensure that all required criteria are followed. Certain policies even cover the costs of these proceedings, and so it is well worth checking out just what is covered and what isn’t!