Public Liability Insurance -  Work at Height? Protect Those Below

Public Liability Insurance - Work at Height? Protect Those Below

Whether you work in construction, electrical contracting or telecommunications, your role may involve an element of height work, the risk of injury or damage to property through on-site accidents whilst working at height is considerable increased.

The Health and Safety Executive (HSE) report that falls from height are the most common cause of death and serious injuries in the construction industry.  Should a member of the public suffer injury or damage to property, for example, from a dropped hammer, then you could receive a significant claim under your Public Liability Insurance policy. 

Business Insurance Tips - Managing Wood Wording Machinery Dust Risk

Business Insurance Tips - Managing Wood Wording Machinery Dust Risk

If your business operates woodworking machinery, then some of the increased health and safety and insurance risks are obvious – such as using powerful machinery and razor-sharp cutters. 

However, just as significant, but perhaps less obvious, is the risk of explosion or fire due to wood dust – which can result in significant injury to employees and claims under your Business Insurance policy.

Business Insurance Tips - Risks When Dealing with Merger & Acquisition

Business Insurance Tips - Risks When Dealing with Merger & Acquisition

Mergers and Acquisitions (M&A) can be complex, particularly for a small to medium sized business where they may not be employing a specialist M&A firm to handle the transaction.

Whilst the legal and contractual requirements are more obvious, an area often overlooked is the additional insurance risk, both for the entities themselves and the Directors and Officers of both firms. It is vital that both parties review and update their insurance covers to ensure all risks are accounted for.

In this article we will detail the steps your company should take to prepare for a merger or acquisition and define two types of insurance that may help your firm complete the deal with confidence.

Fleet Insurance Tips - How To Prevent Cargo Theft

Fleet Insurance Tips - How To Prevent Cargo Theft

Whether you are a logistics, retail or manufacturing business, chances are you will need to deliver goods or supplies using your vans, lorries or HGV’s. 

Unfortunately, theft of your goods (or cargo as the insurance industry describes it) represents a significant threat to your business, not only in terms of the value of load, but also in associated lost business and profits from unfulfilled deliveries and orders.

A standard commercial vehicle or Motor Fleet Insurance policy will not normally extend to cover items carried, which is why it is advisable to arrange specialist Goods In Transit Insurance or Cargo cover.

Manufacturers Business Insurance Tips - How To Use Machinery Safely

Manufacturers Business Insurance Tips - How To Use Machinery Safely

Most manufacturing businesses use a variety of machinery during the course of their day-to-day operations.  Typically this could include woodworking machinery, hammer mills, forklift trucks, compactors and conveyor belts.

All of this machinery represents a potential hazard and without careful operation and supervision, could result in damage, injury or at its worst, death to employees or third parties.  Such incidents can result in costly compensation claims and losses under the liability section of your Manufacturers Business Insurance policy.

Cyber Insurance News - Notable Cyber Security Cases & Fines

Cyber Insurance News - Notable Cyber Security Cases & Fines

The number of UK businesses falling victim to cyber crime has started to grow rapidly over the last twenty four months. Cyber attacks do not discriminate — all types of businesses large or small, rural or urban, and across all types of industry are being targeted.

It is dangerous, yet common belief amongst business owners that cyber attacks can only happen to other businesses or that the fines will be minuscule.

Construction Insurance Tips - Practising Scaffolding Safety

Construction Insurance Tips - Practising Scaffolding Safety

According to the Health and Safety Executive (HSE), falls from height represent the biggest single cause of workplace fatalities in the construction industry.  Interestingly, the proportion of incidents is significantly skewed towards smaller projects.

Over 60% of deaths from height work involve falls from roofs, ladders or scaffolding.  As such, it is vital that construction firms pay particular attention to site safety when using scaffolding to avoid injury to employees or members of the public.  Claims under the liability element of your Construction Insurance from these incidents can be significant, leading large losses and associated premium increases.

Hotel & Guest House Insurance - Safety Tips For Your Buffet

Hotel & Guest House Insurance - Safety Tips For Your Buffet

A buffet can be a very convenient food option for hotel guests, permitting them to select what they want and take only what they need, as well as reducing staff cost. However, if you decide to offer a buffet, you must also consider the safety precautions required to avoid cross-contamination, which can cause serious illness.

Should a guest suffer food poisoning, or similar illness, as a result of food consumed at your hotel and hold you responsible, you could face a legal compensation claim under the products liability section of your Hotel or Guest House Insurance policy.

Charity Insurance Explained - Guide To Not-for-Profit Cover

Charity Insurance Explained - Guide To Not-for-Profit Cover

The tens of thousands of charities and not-for-profit organisations throughout the UK face many risks that can result in loss, damage or liability risk, both for the charity as a whole, and the trustees.

Typical risks include damage to a charity’s property, loss of a charity asset or resources, and third party liability for public liability or professional indemnity exposures.

Part of mitigating these risks is having an appropriate Charity Insurance Policy. The following is a brief guide of different covers that typical charities should consider, but you should always take expert advice on your own individual and specific risks and exposures.