Daydream believer
Well-Known Member
Substitute- It has always worked successfully in the past because we followed the legal advice given, along with approval of our insurers. Risk management being in its proof of performance in the past.So long as your advice is up to date! Your insurance is there to cover you if you've got it wrong. So long as you understand its limitations. I'm not sure "we've never had a problem before" is great risk management.
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