08 June 2015

Pub Insurance - What Cover Do I Need For My Pub Business?

Written by Jon Norman, Posted in Pub & Restaurant

Whether you are buying your first public house or are an established publican, the risks when running a pub or restaurant can be significant.  From property damage to the property itself, to injury to customers or staff, claims can quickly become a significant threat to your business.

02 June 2015

Business Insurance Tips - Are You Ready for Consumer Rights Act 2015?

Written by Jon Norman, Posted in Business

If your business is involved in providing products to clients, be it physical products, or even digital downloads, you need to be aware of the forthcoming Consumer Rights Act 2015 and how it could impact your business processes.

01 June 2015

Sports & Social Club Insurance - Safety & Risk Management Tips

Written by Jon Norman, Posted in Sports & Leisure

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.

28 May 2015

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

Written by Jon Norman, Posted in 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.

27 May 2015

Commercial Property Insurance Tips - Importance of Tenant Selection

Written by Jon Norman, Posted in Unoccupied Property

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.

20 May 2015

Construction Insurance Tips - How To Handle Dumper Truck Safety

Written by Jon Norman, Posted in Construction

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. 

19 May 2015

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

Written by Jon Norman, Posted in Business

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).

18 May 2015

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

Written by Jon Norman, Posted in Cyber Risk

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.

13 May 2015

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

Written by Jon Norman, Posted in Takeaway

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.  

11 May 2015

Does My Business Need Products Liability Insurance?

Written by Jon Norman, Posted in Business

If your business involves either the manufacturing or provision of food stuffs, physical or medical products, then you will be at risk from legal liabilities due to injury or illnesses caused by malfunctions or defects in a product or products you provided.

Products Liability Insurance will provide protection against such instances, including design defects or failure to adequately warn consumers about the dangers of using or applying a product. Generally, products liability cover will be included alongside Public Liability Insurance as part of your business package cover.

10 May 2015

HMO Insurance - Do I Need Alternative Accommodation Cover?

Written by Jon Norman, Posted in House-in-Multiple Occupation (HMO)

The continued growth and popularity of House in Multiple Occupation (HMO) properties across the UK continues to assist in meeting the demand for affordable accommodation as well as providing increased rental yields for Landlords.

However, it is important that Landlords and Property Owners are fully aware of the potential increased risk exposures by ensuring that your Landlord Insurance policy provides adequate protection.

07 May 2015

Public Liability Insurance - Work at Height? Protect Those Below

Written by Jon Norman, Posted in Construction, Tradesman

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. 

06 May 2015

Manufacturers Business Insurance Tips - How To Use Machinery Safely

Written by Jon Norman, Posted in Business

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.

05 May 2015

Business Insurance Tips - Managing Wood Wording Machinery Dust Risk

Written by Jon Norman

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.

30 April 2015

Fleet Insurance News - Are You Ready For DVLA Paper Licence Changes?

Written by Jon Norman, Posted in Motor

The DVLA (Driver and Vehicle Licensing Agency) will phase out the paper counterpart licence with effect from 8th June 2015, from which point they will only issue photocard driving licences.  The changes apply to licence holders in England, Scotland and Wales only, as licences in Northern Ireland are managed by DVA Northern Ireland.

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