Social accountability
Social accountability means that you for instance follow some of the ILO
conventions. ILO is the International Labour Organisation. You have to
prove that there is:

• No child labour in the production
• No Forced Labour
• Basic Occupational Health & Safety schemes
• Secure Freedom of Association and Right to Collective Bargaining
• No Discrimination
• No Disciplinary Practices - no use or support the use of corporal
punishment, etc.
• An average of max. 48 working hours per week - rest at least one day

Insurance
When running a business you must take out proper insurance to minimise
your risk. Which and how many insurances you need varies from one
business to another.

Each type of insurance may have different names at different insurance
companies. Insurance can be divided into three categories

• Insurance prescribed by national law
• Insurance for the owner
• Insurance which minimises the company's risk

Thus, you must investigate the coverage of each individual insurance. This
is often hard work.

Insurance prescribed by national law
Insurance prescribed by national law differs from country to country. But
usally it is compulsory to take out an insurance for ones staff. The
insurance should cover injury at work, health problems, death and other
personal problems which affect the employee and his or her family.

Insurance for the owner
If you start a personally owned company you as a person is seldom
covered by the insurance for the company. You are the owner and not an
employee. Therefore you have an insurance which covers any injuries
inflicted on you while working in your own company.

Insurance which minimises the company's risk
The insurance companies can deliver whatever insurance you can think of.
It is just a matter of the price for the insurance policy. Therefore you have to
consider what kind of risk you can accept. It is called risk management.

The most normal insurances to take are:

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