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adrian – before I drop-off and give others a go at this topic, it’s all about Owners Corporations (i.e. all Proprietors) ensuring that due diligence is applied by taking every reasonable precaution to protect the health and safety of all residents and others (e.g. workers) who could be put at risk whilst on their Common Property.
Remembering of course that “workers” means those directly employed by the Owners Corporation (O/C), and that the Common Property of an entirely residential Scheme is not a “workplace” under the NSW Work Health & Safety Act (WH&S).
The initiatives of some Strata Managers around work health and safety about which I’ve already commented are in my opinion more about covering their collective backsides (with those of their O/C Clients).
As for any impacts on insurance coverage, our Insurer won’t provide any premium discount to account for the fact that our totally residential Scheme has been “duly diligent” by its E/C Members undertaking a comprehensive Audit and Risk Analysis every year since 2008 and by progressively rectifying everything identified, and they’ve never asked about or queried risk minimisation – but then we’ve only ever had three (3) claims and all prior to 2011.