Many organisations assume that an “insurance inspection” automatically means full legal compliance — but this is one of the most common and costly misunderstandings in workplace safety management.
In the UK, statutory examinations for pressure systems and lifting equipment are governed by legislation such as the Pressure Systems Safety Regulations 2000 (PSSR) and the Lifting Operations and Lifting Equipment Regulations 1998 (LOLER), both enforced by the Health and Safety Executive (HSE). While insurance providers often arrange inspections as part of engineering policies, these visits do not always cover every legal duty placed on the “user” or “owner” of equipment.
In this article, we explore the most common misconceptions around insurance examinations, including the difference between maintenance and statutory inspection, who the “Competent Person” really works for, and why ultimate compliance responsibility cannot be delegated to insurers.
If you rely on insurance examinations to demonstrate compliance, this guide will help you understand what they do — and, more importantly, what they don’t do — so you can close compliance gaps, reduce liability, and protect your organisation.
Read the full article to clarify the legal realities behind insurance examinations and statutory compliance in the UK.


