Directors’ and Officers’ Liability insurance (D&O) should be an important consideration for all companies and the notes below help to explain why. We are working in an increasingly litigious business environment with directors and senior staff at greater risk of facing the possibility of legal action being taken against them as a result of actions… Read more »
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10 Ways to have a Claim Refused or Reduced
Despite what some people may think, insurers do want to settle claims fairly and therefore keep clients happy. However, the following list highlights 10 things you should do to help ensure your claim is NOT settled quickly and in full! Don’t notify your claim promptly. In some cases, this can increase the cost of the claim… Read more »
New Rules for firms employing Agency Workers
The Agency Workers Directive will be implemented in the UK on 1 October 2011 through the Agency Workers Regulations 2010. The purpose of the Directive is to provide temporary agency workers with equal treatment in terms of basic working and employment conditions as if they had been employed directly to do the same job. This… Read more »
Insurance for Students
With children going off to university, perhaps for the first time, insurance to cover their belongings is probably not the first thing on your mind. However, whilst many home contents insurance policies now include cover for belongings of students at college or university, there are a few things to watch out for, as highlighted below: The cover may be… Read more »
Insurance Tips – Autumn Weather
With autumn upon us and winter approaching, now is a good time to start taking some precautions to help prevent damage and keep you on the right side of your insurance policy conditions. Your Home Keep gutters and gulleys clear of leaves and other debris to help prevent water damage and flooding. Check the condition… Read more »
Underinsurance – Not a risk worth taking
I frequently meet home owners who are not correctly insured and do not realise the effect it can have. The following article sheds some light on the subject My property will never be totally destroyed so why should I insure for its full rebuilding cost? Firstly, IT IS possible for a house or commercial property to be… Read more »
Trace and Access Insurance – What’s it all about?
What’s the problem? There is a water leak in the house but is it coming from under that wooden floor or from behind that new tiling in the bathroom? What often happens? An insurer will pay for the damage caused by the leak e.g. carpets and decorations, but often WILL NOT pay for the cost… Read more »
Personal Accident – An Overlooked Insurance?
The Dilemma How would your business cope if a member of staff was injured and unable to work for a few weeks or a few months? Would you like to provide a lump sum payment to your staff if they were permanently injured? The Solution Personal Accident insurance can pay a weekly amount for up… Read more »
Take Extra Care with New Staff
With school leavers hitting the workplace, now is an even more important time to protect them against accidents. A recent Health & Safety Executive document warned that workers are as likely to have an accident in the first six months at a workplace as during the whole of the rest of their working life. The… Read more »
Company Directors – Are your personal assets at risk?
It can be very reassuring being a director of a company knowing that if anything goes wrong, then the company will pick up the tab. Unfortunately, this is not always the case. All too often now, if something goes wrong or if someone has a grievance about how they have been treated, they will take… Read more »