Over-zealous health and safety decisions made by "jobsworths" are interfering too much with people's lives, a watchdog says.
The Health and Safety Executive (HSE) has published what it calls "blatant examples" of firms using health and safety as an excuse to refuse service.
Incidents include cafes refusing to heat up baby food, a golf course banning golf buggies and an airline refusing a passenger a blanket.
Ministers said this was "frustrating".
Through its Myth Busters Challenge Panel, the HSE seeks to draw attention to inaccurate claims that health and safety forbids certain activities when no such rules exist.
An HSE spokesman said the campaign aimed to stop organisations "hiding behind the term health and safety" and to give the real - often valid - reasons behind their decisions.
Since April the HSE has been calling on people who think they were subject to a "ludicrous ruling" to submit examples to them for professional assessment.
The panel picked a top 10 from the submissions received about decisions made by insurance companies, local authorities, employers and others.
HSE chair Judith Hackett said the panel had "seen some blatant and disturbing examples of people using health and safety as an excuse in the last few months, ranging from a smokescreen for a whole host of unpopular decisions to completely nonsensical interpretations of what the law requires.
"We're tackling these jobsworths and their lame excuses, which trivialise the real work of health and safety. The real task is to prevent death, serious injury and ill health caused by work."
The HSE has published lists of health and safety myths in previous years but these were based on press reports rather than direct evidence from the public.
The HSE said it had taken this year's claims "at face value" as it did not have the resources to investigate each incident individually, just to rule on whether or not health and safety law applied.
The list includes the case of a woman refused a blanket on a Monarch Airlines flight when returning from a holiday in Turkey.
Zoe Hammond claimed she asked an attendant for a blanket because she was cold but was told she could not have one on grounds of health and safety.
The attendant then said a blanket could be purchased for five pounds.
The panel ruled: "This is a blatant case of health and safety being used gratuitously to cover up poor customer service or a commercial decision. It is clear that there's no health and safety concern given that blankets are available - at a price."
In a statement, Monarch confirmed that blankets and pillows were complimentary on long haul flights but were only available on short haul flights for a charge.
The airline said that passenger comfort "remains one of our top priorities" and it would investigate Ms Hammond's claim.
In another incident, a mother said that cafes and restaurants had refused to warm up baby food for her daughter because the hot food might burn the 14-month-old girl's mouth.
The panel said that no such health and safety restrictions exist and ruled that the incidents were "a matter of company policy regarding customer service and [cafes] should not be using health and safety as an excuse to hide behind".
Employment Minister Chris Grayling said it was "hugely frustrating when excuses are being made in the name of health and safety".
"The Myth Busters Challenge Panel is helping the man and woman on the street to fight back against the jobsworths," he added.