Premises risk, outdoor areas, and insurance that holds up

A premises risk assessment needs to identify hazards, who's at risk from them, existing controls, further action needed, a responsible person, and a review date — covering rooms, entrances, stairs, bathrooms, food areas, sleep areas, outdoor space, equipment, fire, infection control, and outings. This is genuinely a physical, qualitative inspection document rather than ongoing operational data, and it's worth being upfront about that rather than pretending software solves it: a real walk-through and a written assessment is what this actually is.

Outdoor areas have their own specific bar: secure, maintained, age-appropriate, and actually supervised, with gates and fences that genuinely prevent children reaching a road or other hazard, and anything like a pond or pit controlled rather than merely noted. The common hazards worth a specific check — unsecured doors and windows, blind cords, hot water and hot drinks, cleaning chemicals, medicines, sharp tools, electrical cables, unstable furniture, low-level glass, unsafe stairs — are the same list an inspector is trained to look for, which makes it a reasonable list to walk yourself.

Insurance is the one item on this list that's purely a records question, not a physical one: current certificates showing the service, period, provider, limits, and cover — public liability, building, fire/theft, motor if transporting children, and outings cover where relevant — need to actually be current and actually be producible, not assumed to have auto-renewed.

Bloomffy tracks insurance policies directly — policy type, provider, policy number, what's covered, and commencement/expiry dates — exportable as a clean log the same way fire records are. Facility checks cover the recurring hazard side that genuinely is operational data — hot water temperature specifically, since scalding is a real and repeat risk, checked against a configurable maximum (and, where a service sets one, a minimum too) rather than a single hardcoded number. The premises risk assessment itself, and the physical condition of the building, stay exactly what they are: something a person needs to actually walk and write down, not something a dashboard can generate on their behalf.