This agreement is made by and between iVEND / C/O BPMCornwall Ltd 68 Foster Drive, Bodmin, PL31 1PS (hereinafter "Contractor /supplier") and the property owner (hereinafter "Owner"),

WITNESS’S

The owner does hereby employ the iVEND to do all the work, and provide all the materials, tools, machinery and supervision necessary for the works asked for in any contract either- verbally or written in accordance with the drawings, and specifications which are attached or supplied or discussed on site or else where.

iVENDshall commence the work to be performed within the time allocated by the estimate, Notice to Proceed is granted from either an issued invoice ending #depinv or any confirmation sent to us regardless of it’s format, and or persons acting on the behalf of the homeowner/s providing services as an intermediary or “Agency” for the properties well-being in its intended use and functionality.

The Contractor shall carry liability insurance with the limits of 2 Million UK Pound Sterling for injury to or death, property damage and poor Workman's Compensation insurance.

Hold Harmless

iVEND agrees to defend, indemnify and hold the owner harmless from any liability or claim for damage because of bodily injury, death, property damage, sickness, disease or loss and expense arising from the company's negligence in the performance of the construction Contract. Any subcontractor acting in the capacity of an independent Contractor shall remain liable for defective works carried out by his/her or company.

Assignment of Contract

BPM Cornwall Ltd agrees to assign the Construction Contract without the written consent of the Owner if the work is required and the homeowner is not present subject to our requested services.

Change Orders

BPM Cornwall Ltd will be granted to make any changes in the schedule of work, design, or the specifications without written authorization by the owner or intermediary or Agency where required should it be detrimental to the longevity of purpose that may invalidate guarantees granted on either workmanship or material/s design parameters or functionality and charge respectively according to the inherit cost to the company.

General Guarantee

The Contractor shall remedy any defect due to faulty material or workmanship and pay for any damage to other work resulting therefrom which shall appear within the period of one year from final payment.

Permits and Codes

The owner shall obtain all necessary building permits, including those required by building control as applicable. The Contractor will secure at his/her own expense any other necessary permits and licenses required to do the work and will comply with all building regulations and ordinances whether or not covered by the specifications and drawings for the work, if the contractor is requested to gain these documents or permissions 10% will be added to their invoice along with the time given to granted to gain them.

Work Performance

1) The Contractor shall protect all work adjacent to the Contract site from any damage resulting from the work of the Contractor and shall repair or replace any damaged work at his/her own expense.

2) The Contractor shall replace and put in good condition any existing conditions damaged in carrying out the contract.

3) The Contractor shall take all precautions to protect persons from injury and unnecessary interference or inconvenience.

4) The Contractor shall conduct his activities in a business like manner and adhere to the reasonable wishes of the Agency, owner or alike in relation to his working schedule.

Condition of Premises

The Contractor agrees to keep the premises clean and orderly and to remove all debris as needed during the hours of work in order to maintain work conditions which do not cause health or safety hazards.

Use of Utilities

The Owner, agency Tenant, shall permit the Contractor to use, at no cost, power and water, and general welfare facilities where necessary in carrying out and completion of the work.

Inspection

The agency or Owner shall have the right to inspect all work performed under this contract. As well it shall be a condition of this contract that all work that needs to be inspected or tested and certified by building control or inspected and certified by the local health officer, shall be done at each necessary stage before further construction or works can continued. All inspection and certification will be done at the Owner's expense. Failure to follow this requirement will be grounds for termination of the contract.

Right to Stop Work

If the Contractor fails to correct defective work or persistently fails to supply materials or equipment in accordance with the Contract Documents, the Agency or owner may order the Contractor to stop the work, or any portion thereof, until the cause for such order has been eliminated.

Asbestos

Asbestos will be disposed of according to current regulation, if discovered during refurbishment and no prior notification has arisen, the cost of it’s removal will be added to any PC sum , Quote or estimate.

Payment Schedule, works involving 10 days or over & more than 85 man hours.

Payments shall be disbursed as an Invoice based on the agreed values eg: Estimates & Quotations. agree to make payments to the Contractor within 14 days of approving the work this will have a reference ending (#depinv), this secures the work and enables us to arrange the materials and in part labour and fuel charges to be incurred displayed where applicable.

Within 14 days of notification by the Contractor or at each stage or on completion, the Owner or its designer will inspect and approve the work if necessary, or request any adjustments in the work.

Queries regarding invoices are to be made within these fourteen days from the date of the invoice, to which if no query is made to us the original invoice will remain outstanding requesting payment which will be then weighted with the payment terms displayed on the invoice document irrespective on it’s delivery method.

Situations whereby no is PC sum Quotation or Estimate is agreed on unforeseen works or alterations by the customer, client or agent will be charged at no more than £250 per day per person, plus materials including any charges in respect to the works, then company profit is added to all the costs incurred.

Payment Schedule minor works under 10 working days or less than 85 man hours & Call outs.

Verbal, written, texts, email, calls & third parties.

All the above are deemed as methods of communication and consent to BPM Cornwall Ltd to apply workforce, materials, tooling, hire equipment and subcontractors to the property.

Call outs.

Call outs will be chargeable at £40 including the first hour plus fuel at £0.45 per mile both ways from the registered business address irrespective of either the fault or reason for the call out has been rectified, resolved cleared or alike and no actual work is applied physically.

Situations whereby no is PC sum agreed on unforeseen works or alterations by the customer, client or agent will be charged at no more than £200 per day per person, plus materials including any charges in respect to the works, thencompany profit is added to all the costs incurred.

Queries regarding invoices are to be made within fourteen days from the date of the invoice, to which if no query is made to us the original invoice will remain outstanding requesting payment which will be then subject with the payment terms displayed on the invoice document irrespective on it’s delivery method.

Payments

Invoices are requested to be paid on receipt and have 14 day deadline from the issued date“including weekends and bank holidays”.

Late Payments.

2.5% will be added on invoices not received within the 14 days from the date issued to the respective invoice, for a maximum of 2 calendar months to which arbitration arrangements will be set in motion for debt recovery, BPM Cornwall Ltd have made it clear that it is mandatory that contact is made and Customers and clients must make a firm case should there be a late payment for any reason within the 14 days, to which it is at the company's discretion to extend the payment terms.

Contract Security & terms & conditions.

BPM Cornwall Ltd we have made great efforts to clearly display our terms and conditions, as the client, customer or agency we reiterate and steadfast that it is your responsibility to research our company well, and by commissioning services from BPM Cornwall Ltd you are accepting andagree to our terms and conditions.

The Secretary.

We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us.

This Privacy Policy governs the practices of our Website, Please read our Privacy Policy carefully as it will help you make informed decisions about sharing your personal information with us.

We last updated our Privacy Policy on 09 September 2022.

Information We Collect

As a Visitor, you can browse our Website to find out more about our Website. You are not required to provide us with any personal information as a Visitor.

We collect your personal information when you register with us ("User"), when you express an interest in obtaining information about us or our products and services.

Generally, you control the amount and type of information you provide to us when using our Website. The personal information that we collect depends on the context of your interaction with us and the Website, the choices you make and the products and features you use. The personal information we collect can include the following:

•Name, Email Address and Contact Data

•Payment Information. we collect payment information through our payment processor. All payment information is securely stored by our payment processor and we do not have access to your sensitive information, such as credit card number or security codes.

•Business Information. If you choose to contact us on our Website, we may ask specific information related to your business in order to create a new client profile.

Automatically Collected Information

When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered non-personal information. We also collect the following:

•Cookies
Our Website uses "Cookies" to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.

•Third Party Tracking Tools
We also use third party tracking tools to improve the performance and features of our Website. These third party tracking tools are designed to collect only non-personal information about your use of our Website. However, you understand that such tools are created and managed by parties outside our control. As such, we are not responsible for what information is actually captured by such third parties or how such third parties use and protect that information.

•Log Information
We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website to which you're headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analytic trends among our Users to help improve our Website.

How and Why We Use Your Personal Information

We use the information we receive from you as follows:

•To allow you to contact us.
We use your information to contact you in our absence .

•To customizing our Website for your experience.
We may use the information information you provide to us along with any computer information we receive to customize our Website.

•For data aggregation purposes
We retain the right to collect and use any non-personal information collected from your use of our Website and aggregate such data for internal analytics that improve our Website and Service. At no time is your personally identifiable information included in such data aggregations.

Transfer Of Your Personal Information

Your information, including personal information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Your Personal Information

If we are involved in a merger, acquisition or asset sale, your personal information may be transferred. We will provide notice before your personal information is transferred and becomes subject to a different Privacy Policy.

Under certain circumstances, we may be required to disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Retention of Your Personal Information

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Information Regarding Your Data Protection Rights Under General Data Protection Regulation (GDPR)

For the purpose of this Privacy Policy, we are a Data Controller of your personal information.

If you are from the European Economic Area (EEA), our legal basis for collecting and using your personal information, as described in this Privacy Policy, depends on the information we collect and the specific context in which we collect it. We may process your personal information because:

•We need to enter into a contract with you, such as when you employ our services

•You have given us permission to do so

•The processing is in our legitimate interests and it's not overridden by your rights

•For payment processing purposes

•To comply with the law

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. In certain circumstances, you have the following data protection rights:

•The right to access, update or to delete the personal information we have on you

•The right of rectification

•The right to object

•The right of restriction

•The right to data portability

•The right to withdraw consent

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your personal information. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We employ third party companies and individuals to facilitate our Website ("Service Providers"), to provide our Website on our behalf, to perform Website-related services or to assist us in analyzing how our Website is used. These third-parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

•Analytics

•Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:http://www.google.com/intl/en/policies/privacy/

•Payments processors

We provide paid products and/or services on our Website. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council.

Protecting Your Child's Privacy

Our Website is not designed for use by anyone under the age of 13 ("Child"), though we realize we may have a Child attempt to make purchases through our Website. We do not verify the age of our Users nor do we have any liability for verifying a User's age. If you are a Child, please seek the permission of a parent or guardian before using our Website. If you are a parent or guardian and believe your Child is using our Website, please contact us to remove your Child's account; we reserve the right to ask you for verification of your relationship to the Child before we honor such a request. If we discover that a Child has created an account on our Website, we will immediately delete the account as soon as we discover it, we will not use the information for any purpose, and we will not disclose the information to third parties. However, as parent of such a Child, you understand that you are legally liable for any transactions created by the Child.

Links to Third-Pary Websites

Our Website may contain links to other websites that are not under our direct control. These websites may have their own policies regarding privacy. We have no control of or responsibility for linked websites and provide these links solely for the convenience and information of our visitors. You access such linked Websites at your own risk. These websites are not subject to this Privacy Policy. You should check the privacy policies, if any, of those individual websites to see how the operators of those third-party websites will utilize your personal information. In addition, these websites may contain a link to Websites of our affiliates. The websites of our affiliates are not subject to this Privacy Policy, and you should check their individual privacy policies to see how the operators of such websites will utilize your personal information.

Our Email Policy

Our affiliates and we fully comply with national laws regarding SPAM. You can always opt out of receipt of further email correspondence from us and/or our affiliates. We agree that we will not sell, rent, or trade your email address to any unaffiliated third-party without your permission.

Updates to Our Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this policy, we may notify you on our Website, by a blog post, by email, or by any method we determine. The method we chose is at our sole discretion. We will also change the "Last Updated" date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies.

Contact Us

If you have any questions about our Privacy Practices or this Policy, please contact us our ( DPO ) or Data Protection Officer via email sales@ivend.org.uk or contactus@bpmcornwall.com or written letter at the registered address

The Secretary. iVEND C/O BPM Cornwall Ltd

iVEND Safeguarding Policy. Children, Young People and Vulnerable Adults

1. Contents

2. Scope of the Policy

3. Policy Statement iVEND Vision & Values

4. Governance

5. Roles and Responsibilities

6. Implementation

7. Training Requirements

8. Prevent Agenda

9.Communication

10.Equality and Diversity

11.Review

12.Appendices

Keeping children, young people and vulnerable adults safe is everyone’s responsibility.

iVend Agree to work to the following principles

(as outlined in the Department of Health publication “No Secrets”)

•Everyone has the right to live his or her life free from violence, fear and abuse.

•Everyone has the right to be protected from harm and exploitation.

•Everyone has the right to independence, which carries with it a degree of risk.

Scope of the Policy

IVEND is committed to helping keep children, young people and vulnerable adults stay safe. This policy aims to ensure that every employee recognises their responsibility to safeguarding is able to recognise a potential safeguarding issue and knows how to respond appropriately. This document sets out the duty to safeguard and promote the welfare of children, young people and vulnerable adults with whom iVEND works and/or comes into contact with; and how this will be implemented.

Policy Statement

This policy applies to all iVEND  staff, senior managers, directors, Board Members, volunteers and sub contracted partners.

iVEND has a broad remit including, but not limited to it’s property maintenance services, as well as providing any technical consultancy services - all of these sections of work are potential areas where a safeguarding issue could be raised. The Company seeks to strive for best practice in relation to safeguarding, and recognises the important role of safeguarding across all divisions and service areas. This can not be done in isolation and ongoing partnership working with the Council, immediate support services, the Local Safeguarding Children’s Board and Local Safeguarding Adults Board is key.

iVEND Vision

The vision of iVEND is to‘deliver sustainable solutions safely’- safeguarding and other key agendas run through the operational delivery of the company’s vision.

iVEND & Values

SAFE Ensuring we operate safely and consider environmental management practices, putting safety first at the heart of our activities.

DECISIVE Making the right decision – to do the right thing in a transparent and timely manner.

PROGRESSIVE Constantly moving forward at the right pace and right direction.

FAIR Building on our diversity and treating our staff, customers and partners fairly.

TRUST Believing we will do the right thing for the business, our staff and the wider community.

iVEND is committed to ensuring that safeguarding is closely aligned to the strategic vision and values of the Company.

Governance

iVeND Safeguarding Board will be the responsible forum for ensuring this policy is implemented and measured. The Board is made up of members from each division of the Company and each having the responsibility for disseminating key messages back to their areas of responsibility. The Operations Director will sit on the Board and will act as the lead Director for this agenda.

iVEND is represented on the Alternative Service Delivery (ASD) Safeguarding Group, which is a mechanism for the ‘Cornwall family’ of externally trading companies to meet. The group meet to share issues and good practice and to ensure that action is aligned to that of Cornwall Council. The Chair of the ASD Safeguarding Group also attends Cornwall Council’s Corporate Safeguarding Steering Group.

Roles and Responsibilities

iVEND Safeguarding Advocates Role

iVEND have a number of safeguarding advocates across all divisions with the following responsibilities;

Have a clear understanding of safeguarding issues regarding vulnerable adults and children.

Can respond appropriately and quickly to any concerns/allegations raised by staff in relation to safeguarding from across iVEND.

Encourage partnership working both internally and externally and make recommendations on improvements to the safeguarding agenda.

Assist in supporting the communication methods required to promote safeguarding across the Company.

Support and assist staff with any safeguarding concerns through the referral process where a referral is necessary. The advocate could also be required to make a referral on behalf of a member of staff.

The safeguarding advocates have a key role in supporting this agenda on the ground and are usually the first contact when a safeguarding concern is raised. Advocates are supported through the iVEND Safeguarding Group and play an active part in being involved in decisions around how to progress the agenda and flagging any issues and concerns.

Sub-contractors

Every effort will be made when subcontracting work to ensure that safeguarding practices are in place. Where contracts have been issued via a formal procurement process, safeguarding checks will be completed as part of that process. This may include ensuring sub contracted organisations have policies in place and have conducted the necessary checks against employees. All individuals working in the capacity of a sub contractor on behalf of iVEND will be required to complete the ‘iVEND Safeguarding Code of Conduct’ – see appendix 1 for further details.

Implementation

iVEND have in place a safeguarding action plan (see appendix 2) which will be reviewed annually alongside this policy. The action plan outlines specific key areas to focus attention, ensuring consistent and robust practices are in place to support employees around this agenda, across all Divisions. Delivery of the action plan will raise the profile of the agenda and will seek to increase knowledge and understanding around types of abuse and how to deal with potential safeguarding issues. iVEND will contribute to the Local Safeguarding Children’s Board (LSCB) annual audit and the Safeguarding Adults Board (SAB) audit. Any key recommendations from the feedback from these audits will help to shape the action plan going forward. iVEND are committed to operating in an open and transparent way and welcome external scrutiny from the LCSB and SAB. There are some key milestones for the Company to achieve, to demonstrate strong practices around this agenda and the action plan aims to bring the practical delivery of these milestones together.

Training Requirements

It is the requirement of the Company that all Senior Managers and Directors have a consistent and good understanding of safeguarding, demonstrated through completing the relevant basic safeguarding training packages available. iVEND have a large proportion of employees who do not have access to e-learning training, alternative methods are used to disseminate key messages e.g. toolbox talks.

All senior managers will recruit new employees in line with the ‘safer recruitment’ guidance and will ensure that all relevant checks are completed prior to commencing employment e.g. employment history and reference checks. All new employees will be expected to undertake the relevant level of training as part of the induction process.

Prevent Agenda

iVEND has aligned its safeguarding practices to the Prevent agenda. While there is no single profile of a person likely to be involved in terrorism or violent extremism, experience has shown that there can be early warning signs most likely to be identified by family, friends and professionals which are indicative of the need for support. BPM CORNWALL LTD recognise that there are close links between individuals who may be vulnerable as part of the safeguarding agenda and those as defined in the Prevent agenda. This approach fits in withChapter 11 of “Working together to Safeguard Children” (2010.)

Communication

Raising the profile of safeguarding across the company is a key priority. This will be targeted through a number of different communication methods;

1, CoreMatters Newsletter

2, Specific workshops at ‘Senior Management Team’ meetings e.g. Prevent

3, Toolbox Talks

4, Metacompliance

Equality, Diversity, Fairness and Opportunity

ivend expects all Board Members, senior managers, employees, sub - contractors and volunteers to challenge inequality, discrimination and disadvantage for everyone who comes into contact with the Company. iVEND is committed to achieving the highest possible standard of service delivery recognising Cornwall’s diverse communities and workforce. Recognising that equality and diversity should play a part in everything the Company does this policy should be considered alongside iVEND's Equality, Diversity, Fairness and Opportunity policy. iVends Safeguarding Policy has been constructed to reflect an inclusive approach, whereby all individuals are respected, valued and treated fairly.

Review

This policy will be subject to review annually every April to ensure it is still effective and having the required impact, unless there is significant legislation changes which would warrant a more immediate review to be undertaken. The review will also consider local and national best practice approaches. Following the annual review adjustments to this policy may be necessary.

Safeguarding practices will be subject to external review through the contribution to the Local Safeguarding Children’s Board annual audit and the Safeguarding Adults Board annual audit. BPM CORNWALL LTD will contribute through the ‘Alternative Service Delivery (ASD) Safeguarding Group return. BPM CORNWALL LTD may also conduct internal reviews across the Company on an ad hoc basis to ensure that practice standards are being upheld, good practice is captured and shared, and any concerns or gaps can be addressed more immediately, rather than waiting for the annual review.

Further guidance to support this policy can be found on the Safeguarding policy.

Document information

Contacts

Robert Trunley, Ivan  Collective.

Head Office,

68 Foster Drive, Bodmin, Cornwall, UK, PL311PS

Telephone: 07986 478280

E-mail: sales@ivend.org.uk

Alternative formats

If you would like this information in another format please contact:

Robert Trunley. iVEND / BPM Cornwall Ltd Collective.

Head Office,

68 Foster Drive, Bodmin, Cornwall, UK, PL311PS

Telephone: 07986 478280

E-mail: contactus@bpmcornwall.com or sales@ivend.org.uk

www.bpmcornwall.com www.ivend,org,uk

Please consider the environment. Only print this document if it cannot be sent electronically.

Supporting Information

Appendix 1 - iVEND Safeguarding Code of Conduct.

Appendix 2 –iVEND Safeguarding Action Plan July 2013 – April 2014

Appendix 3 – iVEND ‘If you see something, say something’ leaflet.

Appendix 4 – iVEND Comprehensive Impact Assessment

Useful Definitions

“Safeguarding and promoting the welfare of children” means:

1, Protecting children from maltreatment;

2, Preventing impairment of their health or development;

3, Ensuring that they grow up in circumstances consistent with the provision of safe and effective care;

4, Enabling them to have optimum life chances and to enter adulthood successfully.

A vulnerable adult is a person “who is or may be in need of community care services by reason of mental or other disability, age or illness, and who is or may be unable to take care of him or herself, or unable to protect him or herself against significant harm or exploitation”.

How to spot abuse

The main forms of abuse are divided into the following categories:

• Physical abuse – including hitting, slapping, pushing, kicking, misuse of medication, restraint and inappropriate sanctions

• Sexual abuse – including rape, sexual assault and sexual acts to which a person has not consented, could not consent or was pressurised into consenting.

• Psychological abuse – including emotional abuse, threats of harm or abandonment, deprivation of contact, humiliation, blaming, controlling, intimidation, coercion, harassment, verbal abuse, isolation and withdrawal from services or supportive networks.

• Financial or material abuse – including theft, fraud, exploitation, pressure in connection with wills, property or inheritance or financial transactions, or the misuse or misappropriation of property, possessions or benefits.

• Neglect and acts of omission – including ignoring medical or physical care needs, failure to provide access to appropriate health, social care or educational services and the withholding of the necessities of life such as medication, adequate nutrition, and heating.

• Discriminatory abuse – including racist, sexist, that based on a person’s disability and other forms of harassment, slurs or similar treatment.

• Institutional abuse, neglect and poor professional practice. This may take the form of isolated incidents of poor or unsatisfactory professional practice at one end of the spectrum, through to pervasive ill treatment or gross misconduct at the other.

(No Secrets – DOH 2000

Contract Security & terms & conditions.

iVEND  have made great efforts to clearly display our safeguarding policy, 

The Secretary.iVEND C/O BPM CORNWALL LTD Collectivly. 

Public liability insuranceis one of the main types ofbusiness insurance. It can cover compensation payments and legal costs if a member of the public (maybe a customer, a supplier, or a passerby) sues the business because they’ve been injured or their property has been damaged.

Copies of our insuance documents are availible on request.

As an employer, iVEND are responsible for the health and safety of your employees whilst they are at work. If they suffer an injury or illness due to the work they do for you, they may try to claim compensation. Employers’ liability insurance is there to protect you in these circumstances. The requirement for employers to purchase this type of insurance was introduced under the Employers' Liability (Compulsory Insurance) Act 1969. This Act ensures that employers have a minimum level of insurance to cover claims for the cost of compensation awarded to employees.

Employers’ liability insurance is different topublic liability insurance, which provides financial protection for claims made against you by members of the public or customers.

This type of insurance means that professional people can work without the fear that they maybe sued by a client or a third party for problems that occur as a result of their professional activities. In short, it allows professionals to carry out their work with greater confidence and peace of mind.

Professional indemnity insurance was createdto provide much needed financial protection against the risks and personal losses to which professionalswere heavily exposed. The origins of this insurancego back toLondon in the 1700s. At that time, the established professions such asaccountants,solicitors and architects traded with 'unlimited liability' as aguarantee ofthe quality of their work.

Portable appliance testing (PAT) is the term used to describe the examination of electrical appliances and equipment to ensure they are safe to use. Most electrical safety defects can be found by visual examination but some types of defect can only be found by testing. However, it is essential to understand that visual examination is an essential part of the process because some types of electrical safety defect can't be detected by testing alone.

A relatively brief user check (based upon simple training and perhaps assisted by the use of a brief checklist) can be a very useful part of any electrical maintenance regime. However, more formal visual inspection and testing by a competent person may also be required at appropriate intervals, depending upon the type of equipment and the environment in which it is used.

It's a myth that all portable electrical appliances in a low-risk environment, such as an office, need to have a portable appliance test (PAT) every year. The law simply requires employers to ensure electrical equipment is maintained in order to prevent danger – it doesn't state what needs to be done or how often.

This revised leaflet explains the simple and sensible precautions that need to be taken to prevent danger from portable or movable electrical equipment in low-risk environments such as offices, shops, some parts of hotels and residential care homes.

It also provides examples of this sort of equipment to help you to decide what you need to do to maintain portable appliances in your workplace.

The guidance includes equipment in hotels etc, previously covered in HSE leaflet INDG237 which has been withdrawn.

This guidance has been updated with a minor amendment to the table of suggested initial maintenance frequencies in relation to standalone cables.