Introduction Recent flooding events experienced across the UK, particularly over the last decade, have shown the devastating impact that flooding can have on property, businesses and individuals. While it may not always be possible to eliminate the risk of flooding altogether, many practical steps can be taken to reduce the risk of flood damage and… Read more »
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Home Insurance Tip
Should the worst happen and your home is damaged by fire, it can often be difficult to remember what was in a room at the time. It is also important to be able to show your insurer what you are claiming for. A simple solution is to take a few photographs of each room from different angles…. Read more »
Does your business operate a commercial vehicle?
If your business operates a commercial vehicle over 3.5 tonnes, you have until 9 September 2014 for all your drivers to complete 35 hours training – called the Driver Certificate of Professional Competence (CPC). That may sound a long way off but if you consider that there are around 500,000 HGV drivers in the UK, all… Read more »
Changes to Pensions Legislation
From October 2012 the UK Government will introduce a new pension scheme to the UK as part of a bigger overall pension’s reform strategy. The new pension will take the form of – The National Employment Savings Trust or NEST. The Government estimates that about seven million (*) people are currently under saving for retirement… Read more »
Keep an eye on your valuables
The price of gold has increased by over 200% in the past five years (Source www.goldprice.org) and this has led to an increase in the replacement cost of jewellery. Your insurance policy will require you to insure jewellery for the full cost of replacement as new or for its market value, so that the ring or… Read more »
Driving Licence Checks
Are you sure that all your employees who drive vehicles for your business are licenced to do so? How do you know for certain? A considerable number of businesses and those responsible for the operation of a company vehicle or fleet are not checking that staff who drive for business purposes have a valid licence to drive. Not only is… Read more »
Stourbridge firm fined after man’s thumb amputated
The penalties of not carrying out risk assessments or not having correct insurance. A Stourbridge engineering firm has been fined after an employee lost his thumb when it was crushed during a lifting operation. The employee, a 55-year-old mechanical engineer at the firm, was using a rope sling attached to a crane to lift a… Read more »
Is your security adequate?
Door & Window Security Introduction Theft is a risk facing nearly all premises, and a suitable level of physical security should therefore be provided to all accessible external doors and windows. There are many different forms of locks and related British, European and other security test standards. This document, therefore, provides some general advice on… Read more »
Home Insurance Premiums Soar
Home insurance increases reflect record winter claims AA research shows home insurance premiums show little signs of reducing. The latest AA British Insurance Premium Index shows the average Shoparound premium for Buildings cover went up by 14% over the 12 months to the end of March to £147, with the cost of a contents policy… Read more »
Latest Client Bulletin
We have today published our first client bulletin of many. Within the bulletin we cover topics including: Environmental Liability Business Travel Insurance and the 2010 volcanic ash cloud Business Interruption, or loss of profits insurance Risk Management and Redundancies Click here for Client Bulletin We hope you find it informative. If you would like us to… Read more »