The insurance industry, and many outside it, realise that risk management and proper risk assessments are a generally good idea. But using some common sense in deciding what to risk assess in the first place might help.

A forward thinking idea to print safety advice for pensioners on napkins sent out with meals on wheels in Gloucestershire, ground to a halt as organisers were warned the napkins needed to be risk assessed as a choking hazard.

Surprisingly, once the health and safety rules were checked, the napkins were ruled safe, and the scheme progressed as planned. But what next, wonders Backchat, knifes that come with a proviso of "warning - sharp edge"?