29 March 2017

Domiciliary Care Insurance

Posted in Care Home, Medical & Healthcare

 

For adults that have age-related impairments or physical, mental or visual disabilities, it may be difficult for them to live independently in their own familiar surroundings. Domiciliary care organisations are able to provide these adults with specialised assistance which allows them to obtain a beneficial sense of self-reliance. 

15 March 2017

Shop Insurance Tips – How To Handle E-Commerce Risk

Written by Jon Norman, Posted in Business

Many traditional high street stores are embracing the online world, not only to see goods online, but also to enhance customer relationships, attract new customers and increase overall sales revenue. However, if you are considering growing, or starting to trade your business online, it is important to understand what is required to maximise information security and minimise credit and debit card payment risks.

19 May 2016

Gym Insurance Tips – Why Do I Need Public Liability?

Written by Jon Norman, Posted in Sports & Leisure

At Insync we provide cover for hundreds of gyms and fitness centres across the UK, including many start-up businesses. One of the most common questions we are asked is why does a gym need liability protection and what exactly does it cover?

15 April 2016

Care home insurance tips – Learn from others failures

Written by Jon Norman, Posted in Care Home

In today’s litigious society, Care Home owners need to be even more are of ongoing legislative changes and pay constant attention to health and safety. The tiniest problem can quickly escalate into a public liability claim under your care home insurance, or a regulatory fine.

19 January 2016

Electrical Contractors Insurance Tips - Safe Solar Panel Installation

Written by Jon Norman, Posted in Tradesman

The continued growth of green energy is increasing demand for solar panel installation.  If your business is starting to get involved in the solar industry, it is important that your take some time to review your Health and Safety processes as well as your Electrical Contractors Insurance policy.  This will ensure that you have the correct level of risk management and cover in place.

18 January 2016

Business Insurance Tips - Are You Ready for COMAH Regulations 2015?

Written by Jon Norman, Posted in Business

From 1st June 2015, the Control of Major Accident Hazards (COMAH) Regulations 2015 will come into effect, replacing the previous COMAH 1999. COMAH governs businesses’ use of dangerous substances such as liquefied petroleum gas, explosives and chlorine.

11 January 2016

Nurses Professional Indemnity Insurance - Revalidation Are You Ready?

Written by Jon Norman, Posted in Nurse Indemnity

In an effort to continue to improve standards and protection for patients and service users the Nursing and Midwifery Council (NMC) has introduced a “revalidation” programme for nurses and midwifes. 

Revalidation building upon the current three-year renewal cycle and it is the responsibility of each individual nurse or healthcare professional to provide the necessary documentation to confirm that they remain fit to practice.

22 December 2015

Medical Professional Indemnity - How To Comply With Duty of Candour

Written by Jon Norman, Posted in Medical Malpractice

Whether you work as a Doctor, Consultant, Nurse or any other Medical Practitioner, you have a responsibility to be honest with patients, or any person acting on their behalf — particularly when something unexpected or potentially harmful happens during their care or treatment.

A breach in your duty of care or other acquisition of negligence may lead to a claim under your Medical Professional Indemnity Insurance (malpractice), with associated costs such as policy excess and / or reputational damage.  As such, it is vital that you understand current regulation and adhere to best practice.

02 December 2015

Landlord Insurance - Have You Prepared for Heavy Rain & Flood?

Written by Jon Norman, Posted in Landlords

The Environment Agency (EA), the Scottish Environment Protection Agency (SEPA) and Northern Ireland’s Rivers Agency report that over 5 million properties in the United Kingdom are at risk of flooding.

Flood damage can be significant and it is important that buy-to-let property owners have taken adequate precautions as well as reviewing their Landlord Insurance and HMO Insurance policies carefully to ensure that the correct sums insured and cover is in place.

23 November 2015

Construction Insurance Tips - Learn From Health & Safety Mistakes

Written by Jon Norman, Posted in Construction

Despite the construction industry representing only 6 percent of the UK workforce, according to the Health and Safety Executive (HSE) it accounts for circa 25 percent of fatalities in the work place. 

In 2014/15 a reported 35 deaths and over 69,000 cases of injury or ill-health emanated from the construction industry.  Many of these incidents will result in either employers liability or public liability insurance claims under a Construction Insurance policy.

11 November 2015

Business Insurance Tips - #9 Need to Know 2016 Employment Law Changes

Written by Jon Norman, Posted in Business

When you’re running a small business it can be difficult to keep on top of all the different legislative changes. However, failure to understand and take action on key employment law amendments could land you with significant fines or Business Insurance claims under your Employment Practices Liability Insurance.

27 October 2015

Charity Insurance Tips - 6 Key Legal Duties for Charity Trustees

Written by Jon Norman, Posted in Charity & Not-for-Profit

In an effort to provide heightened clarity of the duties and responsibilities for Charity Trustees, in July 2015 the Charity Commission updated its guidance on the administrative and legal duties which should reasonably be expected of those undertaking this role.

Whilst adhering to the six key guidelines below cannot guarantee that trustees will not be subject to Trustees Indemnity Insurance claims under a Charity Insurance policy, they will certainly help in reducing exposure as well as assisting in defence of any action which may be raised.

16 October 2015

Shop Insurance Tips - Enforcing Your Health & Safety Plan Is Critical

Written by Jon Norman, Posted in Business

Working in the retail industry brings some obvious hazards.  Any shop has a duty of care for the safety of its employees and customers, should a member of the public become injured as a result of your negligence you could face fines or prosecution by the Health and Safety Executive (HSE) as well as liability claims under your Shop Insurance policy.

07 October 2015

Landlord Insurance - Smoke And Carbon Monoxide Alarm Regulations 2015

Written by Jon Norman, Posted in Landlords

With effect from 1st October 2015, The Smoke and Carbon Monoxide Alarm (England) Regulations came into force.  All landlords owning and renting property in England need to be fully aware of their responsibilities to avoid potential prosecution as well as reducing the risk of potential Landlord Insurance claims.

28 September 2015

Construction Insurance Tips - Take Care On Basement Conversions

Written by Jon Norman, Posted in Construction

The ongoing housing shortage and rising house prices has significantly increased the popularity of cellar and basement conversions.  Some of these projects can be quite complex and carry dangerous risks, increasing the potential of Construction Insurance claims.

This exposure has been recognised by the Health and Safety Executive (HSE), who are making strides in terms of increasing health and safety awareness for basement projects, in fact, the HSE has been performing periodic inspection campaigns since 2011.

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