Whilst technology is a massive enabler for mobile working and business growth, managing your data and mobile hardware brings its own challenges. Smartphones and tablets are no longer seen as purely a tool of trade and many employees are no longer satisfied with company issued equipment.
There’s never been a better time for UK firms to spread their wings and trade globally. Whether you are looking for new clients, or your existing clients are opening in new locations, non-UK business is making up an ever increasing amount of an SME firms revenues.
As you and your employees carry out your work many construction jobs will involve the use portable power tools and you may not always give much thought about the hazards electricity can pose. That is why it is so important to take the proper safety precautions at all times to avoid on-site accidents.
Should one of your employers suffer an injury through an electric shock, they may hold you responsible for being in breach of your duty of care as an employer by providing inadequate Health and Safety precautions. Such incidents are not only extremely bad for staff morale and public relations, they can also lead to costly Employers Liability claims under your Construction Insurance policy.
Whilst having a swimming pool at your hotel or guest house may be a great selling point which increases your occupancy rate, it can create some significant risks and liabilities to your business.
To keep staff and guests safe at your swimming pool, there should be rules for your staff to ensure that health and safety is top of mind and for guests to follow, both of which will reduce your liability exposures.
The ability for your drivers to set outside mirrors effectively to eliminate blind spots is a crucial part of being a defensive driver. Not only will this improve safety and reduce accident levels, this should also improve your long-term claims experience and lead to savings on your Motor Fleet Insurance.
It might seem simple, but mirror adjustment is fundamental to defensive driving techniques as well as overall safety. While almost all vehicles come equipped with two outside mirrors, many fleet drivers don’t set them properly, making the vehicle as dangerous as it would be if it were missing mirrors altogether.
Research and site inspections carried out by the Health and Safety Executive (HSE), highlighted that 40 per cent of construction sites inspected over a 4 week period did not have sufficient health and safety measures in place to properly protect workers.
When you combine this with a further study which found that wearing gloves on the construction site reduced the relative risk of injury by 60 per cent, the benefits of this simple risk protection process is clear.
It is often assumed that occupational hearing loss is only a concern for those in construction or heavy manufacturing businesses. However, thousands of employees working in call or contact centres use headsets for a significant portions of their day, which can be a potential source of dangerous noise exposure.
Should one, or a number of your workforce suffer hearing loss or damage which could be associated with their job role, your business may face significant Employers Liability claims under your Office Insurance Policy.
A Barber is one of the oldest professions in the UK and whilst a Barbers Shop is now widely regarded as a hairdressing salon specialising in Men’s hair, its historical insurance risk would have previously looked very different.
Barbers were previously known as “barber surgeons”, carrying out surgery and dentistry as well as cutting and triming facial hair. I’m not sure the current Hairdressing Insurance policies would look to cover teeth being pulled from the barber’s chair, but it would certainly be a talking point!
However, a Barbers Shop Insurance package can be tailored to provide cover for all of the key requirements for a modern day barbers’ business under one roof.
If you are running a health centre or other medical clinic you are probably aware that one of the main causes of injury to your nurses and medical staff is musculoskeletal disorders (MSDs). Should a member of your team suffer an injury as a result of their employment, you could be held responsible and face a compensation claim under the Employers Liability element of your Medical Practitioners Insurance.
Whether it’s managing your vehicle inventory, sales, parts or financing, your dealer management IT system is likely to be integral to your day-to-day motor trade operation. The ease of processing and continued improvement of IT platforms can greatly improve your customer services levels, however, the volume of data can lead to a heightened security threat.
High-profile cyber-attacks on companies such as Sony and Target in the USA, has significantly raised awareness of the growing threat of hacking and cyber crime to businesses. The 2014 Internet Security Threat Report from Symantec and other cyber-security reports suggest that many small business owners are still operating under a false sense of security.
Symantec highlight a 91% increase in targeted Cyber attacks in 2014 and without adequate Data Breach and Cyber Insurance protection your business is significantly exposed.
The threat of a data breach for medical practitioners and health care facilities can be significant, as you are holding patients confidential and sensitive information. Should you suffer a data breach, not only could your practice suffer reputational damage, you could also face compensation litigation claims and regulatory fines.
Protection is available for data loss and data breach in the form of specialist Data Breach and Cyber Liability Insurance.
As a restaurant owner, you and your team will no doubt be working extremely hard and often long hours. As your waiting staff are on their feet serving food and drinks all day, it can be extremely taxing on their bodies, as it puts you in awkward postures which can lead to back, shoulder and neck injuries.
Should you not provide adequate training or support and one of your workers suffer an injury during the course of their employment, you could face a compensation claim under the employers liability section of your Restaurant Insurance.
Online and social media has heightened the visibility and scrutinisation of every single decision that company directors and officers (D&O) make. Clients, employees, shareholders and peers will all have a view and opinion on the running of the business and these stakeholders may pursue legal action if they believe a decision which has been taken has adversely affected their best interests.
Scissor lifts can be a useful tool at construction sites to help you and your employees perform work at height. However, without adequate training and health and safety precautions, they can also be very hazardous, leading to employee injury and claims under your Construction Insurance policy.
If you are hiring the plant for a specific purpose, you may assume that it has been correctly maintained, but it is still best practice to perform adequate risk assessments before you start operating the lift.