Welcome Guest! The IOSH forums are a free resource to both members and non-members. Login or register to use them

Postings made by forum users are personal opinions. IOSH is not responsible for the content or accuracy of any of the information contained in forum postings. Please carefully consider any advice you receive.

Notification

Icon
Error

Options
Go to last post Go to first unread
firesafety101  
#1 Posted : 01 April 2025 11:11:45(UTC)
Rank: Super forum user
firesafety101

One of my postings in the near future may be my last as I'm undecided whether to renew my annual subscription.

I don't work any more but I do enjoy using this forum.  I'm not too old to learn something new and it keeps my grey matter alive.

If I do not renew my membership will close as will my ability to post on this forum.

I have to say thank you to everyone who posts here because I really enjoy logging in each day.

I thank everyone who has contributed to my posts and wish you all well for the future.

Thank you.

thanks 1 user thanked firesafety101 for this useful post.
MikeKelly on 02/04/2025(UTC)
Roundtuit  
#2 Posted : 01 April 2025 11:19:47(UTC)
Rank: Super forum user
Roundtuit

This one, as a public forum, does not require iosh membership in order to post.

You just loose some of the functions like being able to edit posts (makes one a bit more careful with typing)

thanks 2 users thanked Roundtuit for this useful post.
peter gotch on 01/04/2025(UTC), peter gotch on 01/04/2025(UTC)
Roundtuit  
#3 Posted : 01 April 2025 11:19:47(UTC)
Rank: Super forum user
Roundtuit

This one, as a public forum, does not require iosh membership in order to post.

You just loose some of the functions like being able to edit posts (makes one a bit more careful with typing)

thanks 2 users thanked Roundtuit for this useful post.
peter gotch on 01/04/2025(UTC), peter gotch on 01/04/2025(UTC)
peter gotch  
#4 Posted : 01 April 2025 12:04:41(UTC)
Rank: Super forum user
peter gotch

Hi firesafety

I have an instinct that the proportion of those using these Forums who are NOT Members of IOSH is going to increase as time continues.

I had not been aware that non-Members using the Public Forums didn't have access to the Edit (and presumably) Delete function when it comes to things THEY post (thanks, Roundtuit).That does seem like a very odd feature.

However, there is MUCH more traffic on the Public Forums than on those allocated to Members only. At the most basic level it is shown in the statistics - nearly 100,000 Registered Users since the Forums were revamped in, 2009 - so twice as many as the TOTAL number of IOSH Members.

Now, some of those 100,000 might have visited just once or twice, but the picture would probably not be dissimilar if one looked at those who have Registered who ARE Members of IOSH. 

I have always been of the view that opening up the Public Forums to non-Members has been one of the success stories in terms of IOSH doing what it says in the last few words of Article 3 of its Royal Charter.

"The objects for which the Institution is established are –

(a) to promote systematic and organised methods of improving occupational safety and health and to advocate, advise upon, disseminate, explain and advance the principles, methods and systems of their application at work generally;

(b) to facilitate the exchange of information and ideas amongst the members of the Institution and of other professional bodies in the field of occupational health and safety and to work together with other professional bodies in pursuit of mutual objectives; and

(c) to do all such other things as may be necessary or desirable for maintaining and improving the professional status of members of the Institution and of persons engaged in professions requiring a knowledge of the matters mentioned in paragraph (a) above;

in the interests of the general public benefit."

Easy to miss a few words tagged on at the end of a lot of legalese!!

If someone asked me to guess, I should imagine that currently (and for quite a long time) there are at least FIVE non-Members using these Forums for every ONE Member of IOSH.

Edited by user 01 April 2025 17:37:03(UTC)  | Reason: Checked a date

thanks 1 user thanked peter gotch for this useful post.
MikeKelly on 02/04/2025(UTC)
A Kurdziel  
#5 Posted : 01 April 2025 12:50:25(UTC)
Rank: Super forum user
A Kurdziel

…and of course none of the AI bots who put up their pointless postings are IOSH members either!

thanks 2 users thanked A Kurdziel for this useful post.
peter gotch on 01/04/2025(UTC), MikeKelly on 02/04/2025(UTC)
HSSnail  
#6 Posted : 01 April 2025 13:46:45(UTC)
Rank: Super forum user
HSSnail

Originally Posted by: A Kurdziel Go to Quoted Post

…and of course none of the AI bots who put up their pointless postings are IOSH members either!

Can we find a way to charge them to reduce our fees?

peter gotch  
#7 Posted : 01 April 2025 14:05:11(UTC)
Rank: Super forum user
peter gotch

Hi HSSnail, as you will be aware it would be difficult to charge an entity if you can't put a name and address on to the legal "person" responsible for the bot posting.

However, IOSH could put in a scheme by which Senior Managers don't get any bonuses they might otherwise get, if they don't demonstrate that they have tackled the botdemic and have clear evidence to show that they have done this and that there won't be a 2nd wave and then a 3rd wave.

thanks 1 user thanked peter gotch for this useful post.
MikeKelly on 02/04/2025(UTC)
Acorns  
#8 Posted : 01 April 2025 14:16:50(UTC)
Rank: Super forum user
Acorns

Originally Posted by: peter gotch Go to Quoted Post
Hi HSSnail, as you will be aware it would be difficult to charge an entity if you can't put a name and address on to the legal "person" responsible for the bot posting.However, IOSH could put in a scheme by which Senior Managersdon't get any bonuses they might otherwise get, if they don't demonstrate that they have tackled the botdemic and have clear evidence to show that they have done this and that there won't be a 2nd wave and then a 3rd wave.
Hi Peter, had t chuckle, that seemed more like an appropriate April fools idea for the managers 😂😂. And back to sensible thoughts 😳
Alan Haynes  
#9 Posted : 01 April 2025 16:58:39(UTC)
Rank: Super forum user
Alan Haynes

Retired Members fee is affordable

Edited by user 01 April 2025 18:19:04(UTC)  | Reason: Spelling

Messey  
#10 Posted : 01 April 2025 17:57:58(UTC)
Rank: Super forum user
Messey

Originally Posted by: firesafety101 Go to Quoted Post

One of my postings in the near future may be my last as I'm undecided whether to renew my annual subscription.

I don't work any more but I do enjoy using this forum.  I'm not too old to learn something new and it keeps my grey matter alive.

If I do not renew my membership will close as will my ability to post on this forum.

I have to say thank you to everyone who posts here because I really enjoy logging in each day.

I thank everyone who has contributed to my posts and wish you all well for the future.

Thank you.

I am a none IOSH user of the forum and am grateful for the opptuity to knontribute and lern from peers, but get iritated  to not be abel to editt my postz ;)

I am also retiring propery this year and will give up my IFSM Membership with a heavy heart. But the combined  costs of CPD, membership of a professional body and insurance makes it near impossible to work part time or zero hours  - something I would like to do to keep my grey matter turning over  I dont intend giving up popping by here and hope you will too Firesafety 101 

thanks 4 users thanked Messey for this useful post.
A Kurdziel on 02/04/2025(UTC), MikeKelly on 02/04/2025(UTC), peter gotch on 02/04/2025(UTC), firesafety101 on 15/04/2025(UTC)
firesafety101  
#11 Posted : 02 April 2025 10:27:21(UTC)
Rank: Super forum user
firesafety101

Thanks for posting everyone, and as I wrote I learn something most times I come on here.

Last year I changed my membership to Retired and paid a reduced fee thinking I had to be a member to access this forum, now I know different I shall continue to open up most days, whatever I decide.

By the way Messey I pay PI insurance at a reduced rate because I need to cover myself in case of claims against me from past work, I also took off my fire safety work, just keeping H&S.  Not sure if I need any PI at all now.

thanks 1 user thanked firesafety101 for this useful post.
Messey on 02/04/2025(UTC)
peter gotch  
#12 Posted : 02 April 2025 15:13:00(UTC)
Rank: Super forum user
peter gotch

According to the information provided at the Forum home page there are apparently 66 Forums, but for most IOSH Members they only have access to a total of six.

Was three within the Public Forums, but I am not entirely sure whether the Study Support Forum is usable by non-Members and three Members' Forums.

Taking three of each, approximate statistics today:

Public Forums - some 65,000 topics with about 400,000 postings.

Members Forums - some 5,000 topics and about 41,000 postings.

So, those not paying IOSH dues and hence not being able to access the Members only Forums don't lose much except - what I have learnt this week - the ability to edit one's own postings! 

Roundtuit  
#13 Posted : 02 April 2025 18:33:48(UTC)
Rank: Super forum user
Roundtuit

Today's lesson for members is that non-members also have no Delete function.

Once you have posted it is, as I often told the kids, in the interweb forever.

thanks 2 users thanked Roundtuit for this useful post.
peter gotch on 03/04/2025(UTC), peter gotch on 03/04/2025(UTC)
Roundtuit  
#14 Posted : 02 April 2025 18:33:48(UTC)
Rank: Super forum user
Roundtuit

Today's lesson for members is that non-members also have no Delete function.

Once you have posted it is, as I often told the kids, in the interweb forever.

thanks 2 users thanked Roundtuit for this useful post.
peter gotch on 03/04/2025(UTC), peter gotch on 03/04/2025(UTC)
peter gotch  
#15 Posted : 03 April 2025 10:27:04(UTC)
Rank: Super forum user
peter gotch

Thanks Roundtuit, a timely reminder!

Delete function or not, the reality is that people post things and then forget about them.

Not that uncommon that I do a search (usually defaulting to Google as my search engine of choice) on some random issue and get surprised when I get a "hit" for some IOSH Forum discussion from over a decade ago - often one that I even contributed to!!

Mark-W  
#16 Posted : 08 April 2025 14:11:32(UTC)
Rank: Super forum user
Mark-W

Originally Posted by: firesafety101 Go to Quoted Post

Thanks for posting everyone, and as I wrote I learn something most times I come on here.

Last year I changed my membership to Retired and paid a reduced fee thinking I had to be a member to access this forum, now I know different I shall continue to open up most days, whatever I decide.

By the way Messey I pay PI insurance at a reduced rate because I need to cover myself in case of claims against me from past work, I also took off my fire safety work, just keeping H&S.  Not sure if I need any PI at all now.

Am I being nieive to think that once you retire you no longer need insurance? Surely the insurance you had in place at the time of any incident would cover you? 

I wonder how many self employed people just stop the insurance when they retire, give up work or become an employee of another company.

Do we have statute of limitations for bad H&S advice?  Surely you can't be expected to purchase insurance for the rest of your life?

WatsonD  
#17 Posted : 08 April 2025 14:42:40(UTC)
Rank: Super forum user
WatsonD

This type of cover is called 'run off' and is usually advised for around 6 years from what I have been told by my insurers.

thanks 1 user thanked WatsonD for this useful post.
firesafety101 on 09/04/2025(UTC)
Mark-W  
#18 Posted : 08 April 2025 14:53:56(UTC)
Rank: Super forum user
Mark-W

Originally Posted by: WatsonD Go to Quoted Post

This type of cover is called 'run off' and is usually advised for around 6 years from what I have been told by my insurers.

Many thanks for the response. Every day is a school day. I hadn't even condiered insurance for when I finish work.

peter gotch  
#19 Posted : 08 April 2025 15:28:57(UTC)
Rank: Super forum user
peter gotch

Hi Mark, 

How much insurance to keep and for how long in terms of sensible decision making will depend to some extent on what you do and how much YOU are worth.

Obviously it is in the insurance company's interests to sell you run off.

However, suppose you provide external consultancy to XYZ manufacturing and one of their employees gets harmed and wants to sue. Possibly your advice has been below the mark (which is WHY you probably need PII) but the prime duty of care rests with the victim's employer who is legally required to hold Employer's Liability Compulsory Insurance which should be more than sufficient to cover a claim.

Let's then suppose that the harm is serious and the claim is going to be worth £1m. Good chance that this is more than the limit on your PII, unless the insurance company has really upsold you, so next choice is to go after YOUR assets, such as your home (if you own it).

But, it's going to be much easier for the claimant's lawyer to go after the claimant's employer and be confident that ELCI will cover the whole claim if successful.

Somewhat differeent is you have been advising the self-employed as they don't have to have ELCI, but the reality is that if you are dealing with employers (even small ones) the chance of someone suing YOU is going to small, and smaller still once you have stopped providing advice.

Greatest risk is perhaps not what happens after harm but if you advise XYZ to do something that is over the top and they follow your advice and lose as a result. However, if XYZ don't take action very quickly to seek remedy their chances of successfully suing YOU will diminish quite rapidly.

Edited by user 08 April 2025 15:29:59(UTC)  | Reason: Typo

firesafety101  
#20 Posted : 09 April 2025 17:37:24(UTC)
Rank: Super forum user
firesafety101

My self employed PI was always £1million.

Mark-W  
#21 Posted : 14 April 2025 10:24:41(UTC)
Rank: Super forum user
Mark-W

In my mind if I run my company from 2000 to 2025 for example, every year I pay my insurance to cover me in each FY.

Once I stop trading, why do I need insurance? Surely the insurance I had in place for say 2014 covers me for all activities and claims for that time period.

I don't get why insurance in place in say 2026 would cover me for a claim in 2014, it might not even be the same insurance company providing my cover.

WatsonD  
#22 Posted : 14 April 2025 15:55:00(UTC)
Rank: Super forum user
WatsonD

I understand your logic but the insurance term covers you for one year and covers you against that risk during the agreed term for any claims made within that time period.

You are insuring yourself (your business) for a period of time against a claim, regardless of the historic date of the infringement. Provided of course that is within the legal parameters of how old that claim can go back, which I believe to be 6 years 

More often then not they are dealt with at the time, which is why you can expect the run off insurance will reduce each year.

Kate  
#23 Posted : 14 April 2025 16:07:58(UTC)
Rank: Super forum user
Kate

My insurance contract (which is with the provider recommended by IOSH) explicitly states that it covers only claims made during the year it covers.

So it is very clear that this is the case whether I like it or not.

Roundtuit  
#24 Posted : 14 April 2025 18:48:16(UTC)
Rank: Super forum user
Roundtuit

One of the reasons we keep copies of contractor insurance details on file - not bothered about the individual just need an organisation to push any claim towards.

As to "run off" what happens when the insured individual "is no more", "has ceased to be", "bereft of life" before a claim is lodged? Sounds like a money making scam as the insured risk was during the period of cover.

Roundtuit  
#25 Posted : 14 April 2025 18:48:16(UTC)
Rank: Super forum user
Roundtuit

One of the reasons we keep copies of contractor insurance details on file - not bothered about the individual just need an organisation to push any claim towards.

As to "run off" what happens when the insured individual "is no more", "has ceased to be", "bereft of life" before a claim is lodged? Sounds like a money making scam as the insured risk was during the period of cover.

firesafety101  
#26 Posted : 15 April 2025 10:05:44(UTC)
Rank: Super forum user
firesafety101

I wonder if the insurance cover dies with the owner or can it transfer to the widow/widower or other family member.

HSSnail  
#27 Posted : 15 April 2025 14:03:43(UTC)
Rank: Super forum user
HSSnail

I have seen insurers pay out on policies when companies have gone bust, providing the "negligence" occurred during the insurance period. In the case of an individual who may have passed away i wonder how you would be able to prove negligence in their absence and therefore if a case could even be brought, as they would be unable to defend.

WatsonD  
#28 Posted : 15 April 2025 14:05:25(UTC)
Rank: Super forum user
WatsonD

Originally Posted by: Roundtuit Go to Quoted Post

As to "run off" what happens when the insured individual "is no more", "has ceased to be", "bereft of life" before a claim is lodged? 

It would pass to their estate.

Originally Posted by: Roundtuit Go to Quoted Post

Sounds like a money making scam as the insured risk was during the period of cover.

What happens if the insurance company used at the time "is no more", "has ceased to be", "bereft of life" before a claim is lodged?

thanks 1 user thanked WatsonD for this useful post.
HSSnail on 15/04/2025(UTC)
HSSnail  
#29 Posted : 15 April 2025 14:13:53(UTC)
Rank: Super forum user
HSSnail

What happens if the insurance company used at the time "is no more", "has ceased to be", "bereft of life" before a claim is lodged?

But it has lovely plumage!

Users browsing this topic
Guest
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.