Written by: Griffiths & Armour on: 15 Mar 2024
Could the Use of A-boards Expose you to Risk?
A Guide for Retail Stores from Griffiths & Armour
On high streets across the UK, A-boards are often used to showcase offers and advertise services to the passer by.
With eye-catching visuals and compelling messaging, these portable displays can attract customers and boost sales, making them invaluable in competitive retail environments.
Understanding Local Authority Requirements
Local authorities regulate the use of A-boards to ensure public safety and maintain the appearance of public spaces. Some key requirements include:
1. Placement Restrictions
A-boards should not cause an obstruction on pavements or impede accessibility. They must be positioned in designated, approved areas.
2. Size and Stability Guidelines
A-boards must meet specific size and stability requirements to prevent them from becoming hazards in adverse weather conditions or high-traffic areas.
3. Permits or Licences
Businesses may be required to obtain permits or licenses for the placement of A-boards. Retail stores should liaise with their local authority to ensure compliance.
The Importance of Public Liability Insurance
If you use an A-board outside your store, you should have adequate public liability insurance to mitigate the associated risks. This insurance provides financial protection in the event of third-party injury or property damage.
A public liability insurance policy with a minimum limit of indemnity of £5 million is recommended. This not only meets the requirements of many local authorities, but also offers comprehensive protection against potential liabilities, legal expenses, and compensation claims.
With the number of claims and level of claims settlements increasing, we would strongly recommend that retailers review their current limits of indemnity to ensure that they are not in breach of any contractual obligations and that the policy will provide adequate protection in the event of a claim.
Further details on Claims Defensibility and other Risk Management issues can be found on Griffiths & Armour’s bespoke risk management platform, RM Works, a complimentary support service for all Griffiths & Armour clients.
Any questions about Public Liability Insurance or managing risk at your store? Get in touch today.
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