Technology Insurance Tips - Common Risks and Hazards for Data Centres

Technology Insurance Tips - Common Risks and Hazards for Data Centres

Whether your business has its own data centre, or you operate a data hosting or manage them on behalf of other firms, the security and protection of data is absolutely critical. 

Specialist Technology Insurance can provide appropriate risk transfer protection and peace of mind. However, prevention is always better than cure and by understanding the key vulnerabilities and risks will help your business minimise exposure and build a robust risk management framework.

Landlord Insurance Tips - Pros & Cons of Letting to Students

Landlord Insurance Tips - Pros & Cons of Letting to Students

The UK university population boasts some of the oldest and most prestigious establishments in the world, attracting huge demand for places from international and home grown students alike.

The popularity of further education continues to drive the student let market, delivering resilient returns year-on-year. Yet, letting to students is not without additional risk and poses unique nuances that are not present with the average professional tenant.

With this in mind, it is important that Landlords enter the student market with their eyes open, understanding both the advantages and risks — It is also important to purchase specialist Student Landlord Insurance to ensure you are covered correctly for all eventualities.

Sports & Social Club Insurance - Safety & Risk Management Tips

Sports & Social Club Insurance - Safety & Risk Management Tips

A Sports and Social Club is often the hub of the local community.  As the manager, owner or committee member, it is your responsibility to establish a risk management framework to mitigate possible hazards as they arise.

Injuries to members of the public, club members or staff could result in significant claims under the liability section of your Sports & Social Club Insurance policy.

Commercial Property Insurance Tips - Importance of Tenant Selection

The key to commercial property success is delivering the right income multiple which secures the long-term value of your asset.  Ultimately this result is directly impacted by your choice of tenant(s). 

A Landlord’s ability to influence and attract the right commercial tenant, can also improve an insurers appetite, and in turn premium rating, for Commercial Property Insurance.

Business Insurance Tips - Why It Pays To Improve Your Air Quality

Business Insurance Tips - Why It Pays To Improve Your Air Quality

Indoor air quality (IAQ) has a direct impact on the health, comfort, productivity and well-being of your employees. When a business improves indoor air quality, they can increase overall productivity and decrease the number of days that employees miss work.  Alongside this, health issues incurred by staff from poor air quality can result in compensation claims under the Employers Liability section of your Business Insurance policy.

The modern theme of airtight building design, while reducing cost, will also reduce the amount of outside air being introduced into your building. In addition, the use of chemical products, supplies, equipment and pesticides can also increase employee exposure to poor air environments. This exposure may lead to poor health conditions such as sick building syndrome (SBS) and building related illness (BRI).

Takeaway Insurance Tips - Do You Know Your Food Allergen Requirements?

Takeaway Insurance Tips - Do You Know Your Food Allergen Requirements?

Running a busy restaurant or takeaway business is hard work and it is often difficult to keep on top of all the important regulatory changes and requirements alongside already challenging working hours.

However, it is important that key requirements in relation to food standards and handling are adhered to, or you could face prosecution or potential closure from the Food Standards Agency.  

Takeaway Insurance Tips - How To Safely Manage Bilingual Staff

Takeaway Insurance Tips - How To Safely Manage Bilingual Staff

Diversity and cultural mix across the UK has been at the very core of the growth in the restaurant and takeaway industry, changing and blending the palate of the nation. 

However, managing staff who are new to the UK can bring it’s own challenges, as bilingual staff can sometimes lead to miscommunication contributing to on-the-job accidents and injuries, which may lead to employers liability claims under your Takeaway Insurance policy.

Pub Insurance Tips - Risks Associated with Private Security Personnel

Pub Insurance Tips - Risks Associated with Private Security Personnel

Bars and pubs, particularly those in town centre locations offering entertainment face a number of significant risks – the combination of alcohol and a high-energy atmosphere can result in potentially dangerous disturbances that present considerable liability exposures.

While hiring doorman or private security personnel is a good way to mitigate the risk of violence at your pub, inadequately trained security staff can result in further liability issues and potential claims under the Public Liability Insurance section of your Pub Insurance policy.

Event Insurance - What Cover Do I Need For My Event?

Event Insurance - What Cover Do I Need For My Event?

Whether you are running or hosting a business or charity event, there are a number of key risks which you need to consider.  From physical property such as equipment, chairs or marques, to liability risks for slips, trips, falls or other injury, to financial protection against event cancellation. Finding the right Event Insurance policy is critical in terms of managing risk effectively.

Construction Insurance Tips - How To Handle Dumper Truck Safety

Construction Insurance Tips - How To Handle Dumper Truck Safety

Vehicles used at the construction site can require specific safety precautions due to the specialist nature of the industry.  When dealing with dumper trucks, driver and safety of the public needs to be your number one priority.

Should a member of the public or an employee suffer injury following an on-site accident involving a dump truck or tipper, it is likely to lead to significant claims under the liability section of our Construction Insurance.  

The following tips will help you to manage your Dumper Truck on-site safety. 

Cyber Liability & Office Insurance Tips - Pros & Cons of Wearable Tech

Cyber Liability & Office Insurance Tips - Pros & Cons of Wearable Tech

The Apple Watch and other wearable technology is talk of the town amongst gadget lovers.  With Statista estimating that worldwide sales could reach 111.9 million in 2018, wearable tech is likely to have a significant impact on consumer lifestyles and business processes over the coming months and years.

In the excitement of innovation it is easy to overlook some of the practicalities from a risk and insurance perspective.  Cover for the device itself is important in terms of loss, damage and/or breakdown. However more significant risk can exist in terms of data loss, it is important that you understand the exposure to your business, mitigate risk, and consider Data Loss and Cyber Liability Insurance as appropriate.