Health and safety in the workplace

Health and safety in the workplaceThe Group guarantees working conditions that respect the dignity of every individual, providing its employees with healthy, safe and protected working environments in accordance with current health and safety regulations. It pays particular attention to pregnant women, mothers and workers with disabilities.

Legislative Decree no. 81 of 9 April 2008, Testo Unico in material di tutela della salute e della sicurezza nei luoghi di lavoro, is in force in Italy and in the insurance industry is joined by the Agreement for the Protection of Health and Safety in the Workplace (Attachment to National Collective Bargaining Agreement 7 March 2012) which regulates the Representation of Workers in terms of Safety. In most Group companies (except in Germany and Switzerland), there are protocols of understanding or formal agreements in place with the trade unions that govern health and safety issues in the National Collective Bargaining Agreements, such as the participation of employee representatives in: inspections and audits on the health and safety of employees, investigations into accidents, training, commitments regarding performance goals or the level of practices to adopt, periodic inspections and the presence of joint health and safety committees.

Most of the Group companies have a Health and Safety Committee or a Group Risk Prevention Service designed to evaluate risk, monitor and manage problems relating to risk prevention and protection of the health of employees as they go about their professional activities. On average, 70% of the Group employees are represented by joint company/ employee committees.

Employees are trained in and informed about regulations in force in the area of health and safety, risk prevention and what to do in the event of an emergency or a fire through various materials (brochures, pamphlets, dedicated notice boards, e-learning courses and the corporate intranet). At the end of the courses, there are tests to find out how much the participants have learned. Ad hoc training and refresher courses are also organised for employees with special responsibilities in the event of medical emergencies or fires. In 2012, 15,076 employees had medical check-ups (eye tests, ergonomic and posture assessments).

The Group also evaluates the risks and identifies the causes of work-related stress. To prevent this occupational illness, the Group has: set up training courses, workshops and surveys, created dedicated teams, reduced overtime, introduced flexible working hours and taken action as regards its various worksites in order to make sure that the workplaces are able to ensure employee safety, to provide more comfortable working conditions and to increase the efficiency and reliability of machinery and equipment. In Germany and Spain the Group also monitors absenteeism caused by work-related stress.

During the year, the costs incurred by the Group for the health and safety of its employees - including health monitoring costs, first-aid and fire-fighting classroom training costs, the costs of equipping emergency teams, medical check-ups (eye tests, ergonomic and posture assessments), the costs of making working conditions more comfortable, etc. - came to 28.8 million euros, the same as the previous year.

There were 609 accidents in 2012 compared with 682 in 2011 (-10.7%). Of these, 327 were commuting accidents, one of which fatal, caused by traffic accidents on the route between home and work. The remaining 282 happened at work, with most accidents in Italy consisting of falls down stairs and minor cuts. Overseas, most accidents involved sales staff out in the field, one of which was fatal and two of which resulted in serious disability. The number of accidents involving women came to 220 (36.1%), none of which were fatal or serious.

Absenteeism rate at 0.09%In 2012, absenteeism as a result of accidents, calculated as the ratio of days off work as a result of accidents to the total number of working days in the year multiplied by the size of the workforce at year-end, fell from 0.11% in 2011 to 0.09%.