Religious and Faith-based organisations face several additional liability insurance exposures because doors to their facilities often remain open for long periods of time, and people are constantly entering and exiting the premises. To make risk assessment more complicated, people representing these organisations often congregate in locations other than their main facility.
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.
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.
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.
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.
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.
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.
If you work in the building and construction industry, you will be aware that with effect from 6th April 2015, new regulations came into force to manage the health, safety and welfare of construction projects in the form of the new Construction (Design and Management) Regulations 2015 (CDM 2015 Regulations).
The reform is intended to improve on previous health and safety standards in order to reduce the risk of construction worker injury. However, rather than supplementing the CDM 2007 Regulations, the new version supersedes all the previous procedures and rules. With this in mind, it is important that business owners or site managers working in the construction industry are fully aware of the requirements and the risk of non-compliance.
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.
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.
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.
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.
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.
Warehouses and distribution centres are a vital cog in UK business, be it the supply chain or consumer delivery. Without sufficient support of warehousing and distribution services, many businesses’ would not be able to trade effectively leading to significant financial losses or even closure.