With their line of work, motor trade industry workers are facing many hazards every day. These can cause both short and long term effects on them and their health. For that reason, awareness of these risks allows you to manage it and its effects.
Risks in the Motor Trade Industry
Every day, workers under this industry are putting themselves in different types of risks including the following:
- Physical injuries
The physical safety of the employees are often at risk when working in the motor trade industry. They handle and operate heavy equipment and hazardous materials, such as machines, sharp tools, and different substances, almost every day. If these tools and materials are not handled properly, this can lead to several injuries and accidents.
- Constant chemical exposure
Motor trade industry workers are exposed to different types of chemicals everyday like brake and engine fluids, strong cleaners, and solvents. Without the proper safety measures and protection like PPEs, the employees’ health can be in danger and can cause several issues like skin rashes, asthma flare ups, and other respiratory issues.
- Ergonomic strains
The motor trade business may be physically taxing to work in. As a result, employees may develop musculoskeletal diseases (MDs), which impact your muscles, joints, and bones. Back strains and carpal tunnel syndrome can result from activities like lifting heavy objects. Stooping down to maintain cars can also lead to other ailments. These risks are worsened by workstation setups, subpar tools, and extended periods of standing or kneeling.
- Hearing loss
Garages often use different machinery that produce loud engines. Employees’ long-term exposure to these noises can result in permanent hearing loss that impairs their quality of work, life, and communication.
- Fire hazards
Fire hazards in the workplace can pose a serious risk to the employees and the property. Workshops and garages can quickly catch fire due to sparks from welding, malfunctioning electrical equipment, and incorrectly-stored chemicals and flammable substances.
- Financial losses
Aside from the physical and health hazards, working in this industry can put you in serious financial risks. This includes possible losses due to collisions, disagreements with clients, and legal claims and obligations. With appropriate risk management techniques and a comprehensive insurance policy, you can guarantee that your business is protected against these financial risks.
Motor Trade Insurance Benefits
Motor trade insurance is a must, especially for enterprises involved in the automotive trade to be fully protected. This kind of insurance provides thorough coverage that takes care of the main hazards connected to the industry. The primary benefits are as follows:
- Financial safety net
Financial protection is offered by a Motor Trade Combined Insurance coverage against events. Like fire, theft, unintentional vehicle damage, and third-party liability. It keeps things operating smoothly by protecting your company against unforeseen costs.
- Legal coverage
This policy also includes liability cover for legal disputes. Like claims arising from third-party property damage or personal injury. It protects your business from potential legal costs and compensation claims. It ensures you’re compliant with UK legal requirements.
- Employee protection
Motor Trade Combined Insurance often includes employers’ liability cover which is mandatory in the UK. This protects your business against claims made by employees due to injury or illness. These injuries or illnesses must be caused while at work. It makes sure they receive fair compensation and you remain protected from legal liabilities.
When you get the right motor trade insurance you can focus on running your business without worrying about risks. It’s a good idea to explore different motor trade insurance options to protect your company’s future.
Reach out to an insurance professional who can guide you through selecting the best coverage tailored to your business’s specific needs.