Category: Liability
ERN explained – Everything you need to know
ERN explained - Everything you need to know ERN stands for Employers Reference Number. This reference is made up of two parts: - A three digit HMRC office number - A reference number unique to your business Depending on when this number was issued to you, it can look slightly different. - If issued prior to…
Read more
Bad weather – the need for a sound fleet insurance policy
Bad weather reinforces the need for sound fleet insurance policy Winter weather fleet insurance policy Significant storms, like many we have witnessed in recent years, and bad weather prevent many workers from being able to report for work, creating significant declines in revenue for the duration of the bad weather, or even for a longer…
Read more
How to safely walk on ice
Winter is coming...! And with it, undoubtedly, will be periods of snow and ice, not only providing jeopardy on our roads, but posing an issue when it comes to walking anywhere. All it takes is for you to step incorrectly onto an icy patch and you can fall over. While the odd stumble may not…
Read more
Sport and leisure
Managing your exposures – the sport & leisure industry Some risks are common to all in the property and casualty areas, such as exposures for fire, flood or slips & trips. In addition, Business Interruption is a big consideration for those with a reliance on a specific location – for example a hotel or leisure…
Read more
Why travel insurance is more important than ever in 2021
Why travel insurance is more important than ever as we reach the end of 2021 Travel insurance has never been so important as we continue to navigate Covid-19 in our overseas holidays and trips. It will cover you for unexpected situations both while away and in the run up to your holiday, from losing your luggage to covering…
Read more
Top 5 causes of workplace injuries
Top 5 causes of workplace injuries Employee safety is a top priority for any employer. Employees are the driving force of your business and need to be able to work in a safe environment to ensure efficiency and productivity. Knowing the most common workplace injuries and ways to prevent them can decrease the number of…
Read more
Is it worth investing in driver and vehicle safety?
Investing in your drivers By investing in driver and vehicle safety you can save 78% in damage costs and 7% in fuel, according to Driving for Better Business figures. Who wouldn't want that? But there is no doubt it'll cost you to invest into Driving for Work schemes, so you may be thinking - is…
Read more
7 top tips on Professional Indemnity Insurance
Deciding how much professional indemnity cover you need This is a common issue. Ultimately, it depends on your business, your clients and your potential liability. Your professional indemnity insurance needs to be able to cover the total rectification costs of your negligence and the legal costs of a claim against you. Some professional bodies will…
Read more
Don’t take the bait: how to safeguard your business from phishing attacks
Don't take the bait: how to safeguard your business from phishing attacks What is phishing? Phishing is more than just a misspelt variation of a popular countryside activity. It’s also a key risk to businesses – one that we all need to be aware of. Simply put, phishing is any attempt to trick a victim…
Read more
Do small businesses need employment practices liability insurance (EPLI)?
Do small businesses need employment practices liability insurance (EPLI)? EPLI is a type of small business insurance that helps you pay for lawsuits related to workplace discrimination and harassment. The United States has several federal laws that make it illegal for employers to treat prospective, current, and former employees differently based on their sex, colour,…
Read more
