{"id":24300,"date":"2022-12-12T16:19:47","date_gmt":"2022-12-12T16:19:47","guid":{"rendered":"https:\/\/www.fuwinsurance.co.uk\/?p=24300"},"modified":"2022-12-12T16:20:10","modified_gmt":"2022-12-12T16:20:10","slug":"ydych-chi-wedich-diogelun-ddigonol-os-bydd-darmwain-ar-eich-fferm","status":"publish","type":"post","link":"https:\/\/www.fuwinsurance.co.uk\/cy\/2022\/12\/12\/ydych-chi-wedich-diogelun-ddigonol-os-bydd-darmwain-ar-eich-fferm\/","title":{"rendered":"Ydych chi wedi’ch diogelu’n ddigonol os bydd damwain ar eich fferm?"},"content":{"rendered":"

Gyda\u2019r gaeaf wedi cyrraedd, y dyddiau\u2019n byrhau a\u2019r tywydd yn oer a gwlyb mae\u2019r risg o ddamwain ar y fferm yn cynyddu. Dan yr amgylchiadau mae\u2019n werth atgoffa ein cwsmeriaid ac aelodau unwaith yn rhagor fod amaethyddiaeth, o ystyried yr ystadegau, yn un o\u2019r diwydiannau mwyaf peryglus yn y DU. Yn anffodus mae\u2019r ystadegau am farwolaethau yn y gwaith yn profi hynny.<\/p>\n

Yn \u00f4l ffigurau\u2019r Awdurdod Gweithredol Iechyd a Diogelwch, cofnowyd 3 marwolaeth ar fferm yng Nghymru yn ystod 2021\/2022, gyda chyfanswm o 25 o bobl wedi\u2019u lladd ledled Prydain. Er na fydd cael yr yswiriant cywir yn ei le yn gallu atal damweiniau mae\u2019n ystyriaeth hanfodol os am ddiogelu eich busnes petai\u2019r gwaethaf yn digwydd.<\/p>\n

Meddai Rheolwr Gyfarwyddwr Gr\u0175p UAC, Guto Bebb: \u201cYn naturiol y nod bob amser yw gweithredu arferion da a rheoli risg bob amser er mwyn lleihau\u2019r damweiniau sy\u2019n digwydd ar ffermydd yn y lle cyntaf.<\/p>\n

\u201cFodd bynnag, y gwir anghyfforddus yw bod damweiniau yn digwydd, ac mae\u2019n bwysig i fusnesau ffermio sicrhau eu bod yn gallu dangos tystiolaeth o\u2019u harferion rheoli risg a chael cefnogaeth polisi rheoli atebolrwydd fel Rural Protect rhag ofn y bydd y gwaethaf yn digwydd.\u201d<\/p>\n

Yn dechnegol, polisi yswiriant yw Rural Protect<\/a> sy\u2019n rheoli atebolrwydd gan ddiogelu pob unigolyn yn y busnes gan gwmpasu Atebolrwydd Personol, Atebolrwydd Arferion Cyflogaeth, Atebolrwydd Cyfreithiol Cwmni a Threuliau Cyfreithiol Teuluol. Mae Rural Protect yn darparu offer rhagweithiol i helpu atal sefyllfaoedd annymunol, ond pe bai\u2019r gwaethaf yn digwydd, mae hefyd yn rhoi mynediad i chi at rradar, sef cwmni sy\u2019n arbenigo mewn cyfraith fasnachol arbenigol a ariennir gan y polisi.<\/p>\n

Bydd rradar yn gweithredu ar eich rhan mewn llu o sefyllfaoedd megis mynychu cyfweliad gyda\u2019r heddlu, cynorthwyo gyda hysbysu rheoleiddwyr o ddigwyddiad, neu amddiffyn rhag sylw negyddol yn y wasg a\u2019r cyfryngau cymdeithasol.<\/p>\n

Mae amddiffyniad rradar eisoes wedi arbed nifer o fusnesau rhag costau hawliadau y byddent fel arall wedi bod yn atebol amdanynt onibai am warchodaeth Rural Protect.<\/p>\n

Dywedodd Uwch Weithredwr Yswiriant FUWIS, sef Dafydd P Jones: \u201cMae\u2019n dristwch i mi, er gwaethaf ymdrechion i amlygu\u2019r peryglon ar ffermydd dro ar \u00f4l tro, nad ydym wedi gweld gostyngiad clir yn y ffigurau hyn hyd yma. Ac wrth gwrs, does neb yn cofnodi y damweiniau fu bron \u00e2 digwydd ac anafiadau sy’n newid bywydau.<\/p>\n

\u201cMae natur gwatih amaethyddol yn golygu fod ffermwyr a gweithwyr fferm yn gweithio ar ben eu hunain, weithiau mewn tywydd heriol a sefyllfaoedd anodd. Mae\u2019r holl risgiau sydd ar ffermydd yn gyfarwydd ac yn hawdd eu rheoli, ond yn rhy aml o lawer mae ffermwyr a gweithwyr fferm yn rhoi eu hunain mewn sefyllfaoedd lle gall un llithriad arwain at ganlyniadau sy\u2019n newid bywydau neu hyd yn oed farwolaeth ar y fferm.\u201d<\/p>\n

Ychwanegodd Mr Bebb: \u201cMae yna ormod o bobl yn marw ar ffermydd ar draws y DU, ac rwy\u2019n annog y diwydiant i wynebu\u2019r her yn agored. Mae\u2019n rhaid i\u2019ch diogelwch chi a\u2019ch teulu fod yn flaenoriaeth, ond os bydd y gwaethaf yn digwydd, mae\u2019n holl bwysig fod ganddoch yr yswiriant cywir.<\/p>\n

\u201cMae ein timau hawliadau yn gweld y canlyniadau o ddamweiniau ar ffermydd yn ddyddiol ac rydym yn gweld eu heffaith ar unigolion, teuluoedd a busnesau. Trwy lwc mae\u2019n deg dweud ein bod, gan amlaf, yn gallu ymateb yn gadarnhaol a bod o gymorth i\u2019n cwsmeriaid. Fodd bynnag, mae yna adegau pan fydd problemau’n codi oherwydd nad oes yswiriant yn ei le neu fod yr yswiriant sydd mewn lle yn annigonol i dalu am y golled. Fel busnes yr ydym am osgoi sefyllfa o\u2019r fath a hynny\u2019n benodol er mwyn ein ffermwyr.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Gyda\u2019r gaeaf wedi cyrraedd, y dyddiau\u2019n byrhau a\u2019r tywydd yn oer a gwlyb mae\u2019r risg o ddamwain ar y fferm yn cynyddu. Dan yr amgylchiadau mae\u2019n werth atgoffa ein cwsmeriaid ac aelodau unwaith yn rhagor fod amaethyddiaeth, o ystyried yr…<\/p>\n","protected":false},"author":26,"featured_media":24301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,29],"tags":[],"class_list":["post-24300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agriculture","category-insurance"],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"cy","enabled_languages":["en","cy"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"cy":{"title":true,"content":true,"excerpt":false}}},"acf":[],"yoast_head":"\nYdych chi wedi'ch diogelu'n ddigonol os bydd damwain ar eich fferm?<\/title>\n<meta name=\"description\" content=\"Gyda\u2019r gaeaf wedi cyrraedd, y dyddiau\u2019n byrhau a\u2019r tywydd yn oer a gwlyb mae\u2019r risg o ddamwain ar y fferm 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