24 September 2015

Commercial Insurance Explained - Cover for Distribution & Warehousing

Written by Jon Norman, Posted in Business, Sports & Leisure

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.

16 September 2015

Construction Insurance Tips - CDM 2015 Regulations Are You Complying?

Written by Jon Norman, Posted in Construction

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.

10 September 2015

Construction Insurance Tips - Why It Pays To Plan Before You Dig!

Written by Jon Norman, Posted in Construction

Damage to underground services on construction sites, either through ground-working, or other on-site digging can be a significant cause of Construction Insurance claims.

The key to safe digging is understanding where underground services are buried before starting any project. Underground services can include cables, wires, pipelines and other equipment used by telecommunication, electricity, gas or water service providers.

Building contractors, ground workers, site engineers or any other contractor looking to undertake on-site digging should ensure that they contact utility companies and service providers to find out what underground services are below or near their site, and plan their work accordingly.

07 September 2015

Cyber Insurance Tips - #10 Government Tips for Online Cyber Security

Written by Jon Norman, Posted in Cyber Risk

According to the 2015 Information Security Breaches Survey, the Department for Business, Innovation & Skills reported that a staggering 90 per cent of large organisations had experienced some form of cyber breach during the last 12 months.

When reviewing the worst individual security breach for each company, the average cost per firm was between £1.46 million and £3.14 million.

Whilst the data for small businesses is much more difficult to maintain as correct data breach records are not always kept, or made available, the report still highlighted 74 per cent of firms which have experienced a security breach in 2014.  For small firms the average cost of a breach was £75,000 and £311,000 for their worst breach.  Without adequate Cyber Insurance, many small firms would not be in a financial position to recover from such losses.

01 September 2015

Office Insurance Tips - How To Manage Workplace Anxiety

Written by Jon Norman, Posted in Office

According to the Mental Health Foundation, nearly 30 percent of employees will have a mental health problem in any given year.  The majority of issues will be related to anxiety and depressive disorders, many of which can be related directly back to the workplace.

Not only can these issues increase absenteeism, they can also cause lead to compensation claims under the employers’ liability section of your Office Insurance policy.

19 August 2015

Convenience Shop Insurance - Common Health and Safety Risks

Written by Jon Norman, Posted in Business

It might sound obvious, but not all convenience stores are the same. The varying size from a traditional corner shop to large multi-site supermarket make the risk profile very different.

Other key factors include the location itself, be it town centre or rural, to the type of products or stock – for example, whether a store stocks cigarettes or alcohol.

Whilst these risk factors may impact the frequency or size of the health and safety exposure, the fundamental profile of risk remains the same and how you manage and reduce this risks can directly impact your Convenience Shop Insurance premiums.

13 August 2015

Electrical Contractors Insurance - Reduce Ergonomic Workplace Injuries

Written by Jon Norman, Posted in Tradesman

As an Electrical Contractor you are often working in confined spaces and with a number of manual and power tools.  It is important to carefully consider the variety of health and safety risks, particularly in relation to ergonomic related injuries, as these can often lead to significant compensation claims from current or previous insurers under the employers’ liability section of your Electrical Contractors Insurance policy.

06 August 2015

Nursing Agency Indemnity Insurance - Staff Care When Lone Working

Written by Jon Norman, Posted in Nurse Indemnity

Self-employed or agency nurses often deal with a wide range of activities and locations, often working remotely which can pose a threat to your personal health and safety.

These type of risks are often enhanced whilst you are lone working, due to the lack of immediate support of colleagues or security personnel which exist in a typical medical centre environment.

03 August 2015

Landlord Insurance Explained - Are You Ready for MEES Regulations?

Written by Jon Norman, Posted in Landlords

On 26th March 2015, new energy efficiency regulations were passed in law relating to the private rental sector in England and Wales.  These regulations are better known as Minimum Energy Efficiency standards (MEES).  

Whilst the majority of these regulations will not apply until 2018, tenants can make requests directly to Landlords from 1st April 2016, as such, it is important that property owners are making early provision to meet the new requirements.

29 July 2015

Medical Professional Indemnity Insurance - Scrubs Safety Tips

Written by Jon Norman, Posted in Medical Malpractice

Plastic surgeons or other medical professionals carrying out theatre based procedures need to exercise extreme caution to reduce the risk of infection and contamination.  Utilising scrubs best practice is critical in terms of minimising risk and reducing your exposure to Medical Professional Indemnity Insurance claims from patients suffering infection of other ill-health whilst in your care.

25 July 2015

Hairdressing Insurance Tips - How To Avoid Staff Accidents

Written by Jon Norman, Posted in Hair & Beauty

Whilst you may not think that working in a hair salon is particularly hazardous, risks still exist and without adequate awareness and risk management, your staff could still suffer workplace injuries.

Should one of you team suffer an accident and subsequent injury at work, you could face expensive compensation claims under the employers liability section of your Hairdressing Insurance policy.

On-the-job accidents can be avoided by focusing on safe practices and taking necessary and sensible precautions.

21 July 2015

Mobile Catering Insurance - What Cover Does a Mobile Caterer Need?

Written by Jon Norman, Posted in Pub & Restaurant

The hospitality and catering industry continues to go from strength-to-strength, particularly in the mobile catering field.  Not only through food trailers and traditional catering firms, but also via the growing popularity of pop-up restaurants and food led events.   Many modern restaurants now incorporate a mobile strategy into their business model, which is a great way to promote their offering and to reach new customers.

15 July 2015

Business Travel Insurance - Safety Tips When Travelling On Business

Written by Jon Norman, Posted in Business, Medical Malpractice

In the modern world of business, travel plans are typically hectic, with tight schedules and back-to-back meetings and often arranged at short notice. 

With the above in mind, it is easy to lose sight of the increased risk faced by business travellers, which can impact the safety of you or your employees.  Businesses have a duty of care for the safety of their employees during the course of their employment, with this in mind it is important to identify potential hazards, as well as purchasing the right level of Business Travel Insurance.

13 July 2015

Tree Surgeon Insurance - Safety Tips When Working With Wood Chippers

Written by Jon Norman, Posted in Tradesman

Wood chippers can be extremely dangerous, with blades generally running at between 1,000 and 2,000 revolutions per minute, combined with a powered feed mechanism, an accident can easily cause injury to you or your employees if it is not operated correctly.

Should one of your employees suffer injury during the course of their work, they could seek compensation against you and subsequent claims under the employers’ liability section of your Tree Surgeon Insurance.

08 July 2015

Business Insurance Tips - Workplace Cutting and Welding Safety

Written by Jon Norman, Posted in Business

If your business is manufacturing or carrying out processes which involve cutting and welding, then you will be only too aware of the risks are dangers to you and your employees.

As an employer you have a duty of care to your staff to provide a safe working environment with adequate training and risk management.  Should one of your team suffer a workplace injury, you could be held responsible and be subject to an employers’ liability claim under your business insurance policy.

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