Darren Beckinsale • Newsletters • 27th Jun 2022 • 1 min read time The Impact of Common Cyber-incidents Every year, the 2022 Cyber Security Breaches Survey, commissioned by the Department for Digital, Culture, Media & Sport as part of the National Cyber Security Programme, provides valuable insights into cyber-security and data breach trends reported by UK employers. This infographic visually quantifies how many organisations have experienced a breach in the past year, the […]
Darren Beckinsale • Newsletters • 26th Jun 2022 • 1 min read time 6 Safe Driving Tips for Summer Summer is a busy time for travellers. Holidaymakers—including overseas tourists and Britons on staycation—can cause heavy traffic during the summer months contributing to increased driving risks. This video has six tips to help you travel safely in the summer.
Darren Beckinsale • Newsletters • 26th Jun 2022 • 2 min read time 2022 Cyber-security Breaches Survey Every year, the Department for Digital, Culture, Media & Sport commissions the annual 2022 Cyber Security Breaches Survey as part of the National Cyber Security Programme. This report surveys UK employers about their cyber-security experiences, including cyber-attacks and data breaches. The use of technology in daily operations continues to grow within organisations across sectors. The […]
Darren Beckinsale • Newsletters • 21st May 2022 • 2 min read time Important Findings From the HSE’s Annual Report for the Manufacturing Sector It’s important for employers to be aware of the risks and hazards most likely to affect their workers. Although many organisations may think they already possess this knowledge, it’s necessary to reassess priorities and practices in accordance with current industry trends and patterns. As processes and operations change, the precautions and steps needed to optimise […]
Darren Beckinsale • Newsletters • 2nd Dec 2021 • 1 min read time Why is this the hardest market for 20 years? A hard insurance market will traditionally only soften when new capital is injected into the market ‒ this is usually done by new market entrants. However, these days it’s rare for new insurance companies to start up and get past all the regulation and security ratings, therefore don’t expect to see new capital entering for […]
Darren Beckinsale • COVID-19 • 30th Nov 2021 • 2 min read time UK Implements New Restrictions in Response to Omicron Variant Prime Minister Boris Johnson has announced new precautionary measures intended to protect the UK against the newly discovered coronavirus Omicron variant. Scientists and medical professionals around the world are currently working to better understand the potential ramifications of this new strain of the coronavirus, which may exhibit more dangerous behaviour regarding transmission and the effectiveness […]
Darren Beckinsale • Risk Insights • 10th Nov 2021 • 2 min read time Health Care Risk Insights: Test Result Risk Management Failure to perform or communicate test results is a preventable error that can lead to unnecessary harm to patients and costly medical malpractice claims. In a recent review of claims arising out of doctors’ offices, the top cause was failure or delay in ordering tests. Although many times this is a result of factors such […]
Darren Beckinsale • Risk Insights • 5th Nov 2021 • 4 min read time Employee Cyber Training Manual: Device Security The first line of defence against cyber-threats is a well-trained workforce. Use this training manual to educate your employees about common cyber-threats and the best practices to defend against them. This document focuses on hardware and devices, and is meant to be used with the remaining three ‘Employee Cyber Training Manual’ documents. Mobile Device Security […]
Darren Beckinsale • COVID-19 • 5th Nov 2021 • 2 min read time UK Secures Ground-breaking COVID-19 Antivirals Help is on the way for thousands of vulnerable patients battling COVID-19. On 20th October, the government announced deals that will secure two new ground-breaking treatments. Patients could have access to the new antiviral treatments as early as this winter. The deals represent a key step for the government’s Antivirals Taskforce and its goals of […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 5th Nov 2021 • 3 min read time Employer Guidance for COVID-19 Self-isolation As employees return to the physical workplace, both organisations and their workers must realise that the coronavirus pandemic still presents a danger. COVID-19 remains a major health threat that can spread quickly among colleagues. With that in mind, it’s necessary for employers to stay up to date on self-isolation practices and processes to ensure that […]
Darren Beckinsale • Regulatory Updates • 5th Nov 2021 • 4 min read time The Impact of Diversity and Inclusion on Management Liability In recent years, senior leadership teams have been held increasingly accountable for their organisations’ failures by shareholders, stakeholders and the general public. Specifically, organisations’ diversity and inclusion practices have garnered additional scrutiny. Certain social initiatives—such as the Black Lives Matter and #MeToo movements—have helped elevate awareness on the importance of promoting diverse representation and adopting […]
Darren Beckinsale • Charity & Not for Profit • 4th Nov 2021 • 1 min read time Charity Commission Roundtables Show Effects of Pandemic The Charity Commission has taken it upon itself to analyse the impact of COVID-19 to alleviate ongoing struggles for the third sector. The commission believes that charities will play a key role in helping the UK continue to recover from the pandemic in the future; it also recognises that these organisations must be properly supported […]
Darren Beckinsale • Charity & Not for Profit • 4th Nov 2021 • 3 min read time Welcoming New Board Members in a Not-for-Profit Organisation The board of directors plays a vital role in establishing and maintaining the organisational structure of a not-for-profit (also known as non-governmental organisations or NGOs). This elected group oversees the organisation’s activities and meets periodically to discuss and vote on business affairs. Given the critical role board members play in an organisation’s overall success, these […]
Darren Beckinsale • COVID-19, Regulatory Updates • 1st Oct 2021 • 2 min read time International Travel Rules Are Changing On 17th September 2021, Transport Secretary Grant Shapps announced a simplified international travel system. The success of the UK’s vaccine programme—with more than 8 out of 10 adults vaccinated—has enabled the updated and clearer travel system, which will allow more people to travel and provide a much-needed boost for the travel industry. From Monday, 4th […]
Darren Beckinsale • Motor Trade • 1st Oct 2021 • 2 min read time Demand for Electric and Hybrid Vehicles Continues to Rise Even as the UK attempts to return to normal life at what may be the closing stages of the coronavirus pandemic, the long-term effects of COVID-19 will continue to linger across the motor trade industry. As car dealerships and other employers in the sector continue to navigate uncertainty, it’s important to understand current trends, such […]
Darren Beckinsale • Risk Insights • 29th Sep 2021 • 4 min read time Loss Control Tips: Petrol Stations/Corner Shops Managing a petrol station and corner shop brings numerous challenges. After all, these establishments are responsible for providing customers the fuel they need for their next journey on the road and offering them a handful of everyday essentials— including food, medications and toiletries. Therefore, delivering exceptional service, maintaining a loyal customer base and promoting a […]
Darren Beckinsale • Fleet Management, Risk Insights • 27th Sep 2021 • 2 min read time Risk Insights: Fleet Management and Tracking Systems Employers in the transport sector can benefit greatly from having constant knowledge of the locations of their fleet. These processes allow organisations to ensure that productivity and efficiency are optimised while safety precautions and government regulations are followed. Fleet management systems provide organisations with the means of monitoring their vehicles. By utilising fleet management, employers […]
Darren Beckinsale • Regulatory Updates • 24th Sep 2021 • 2 min read time Deadline for FCA Insurance Pricing Rules Approaches Following a study that lasted two years, the Financial Conduct Authority (FCA) has established new rules regarding pricing practices used by insurance providers, the first deadline of which is approaching in October. The primary purpose of these changes is to prevent providers from price walking customers. ‘Price walking’ refers to firms making unjustified gradual increases […]
Darren Beckinsale • COVID-19, HSE Risk Management • 23rd Sep 2021 • 3 min read time Securing a Safe Post-COVID Workplace Many organisations have begun to call their employees back to the physical workplace after months of remote work. While it may be exciting for employers to have their workers return to a more traditional work environment, it’s important to be aware of potential security and safety issues that may arise. During the transition back to […]
Darren Beckinsale • Risk Insights • 21st Sep 2021 • 4 min read time Structural Issues and Aging Buildings While modern building regulations and structural engineering have made buildings extremely safe, facilities managers must maintain a high level of upkeep for them to remain that way. Buildings can lose their structural integrity as they age; as such, if simple repairs are left untended, they can balloon into larger issues, potentially causing significant damage that […]
Darren Beckinsale • HSE Risk Management • 14th Sep 2021 • 3 min read time Education Risk Insights: Preventing and Controlling Infections in Nurseries Children in nurseries can be germ factories—they share toys, touch everything within reach and often shove things into their mouths without a second thought. In this environment, germs have free rein, spreading with little resistance. Compounding the problem is the fact that children are more susceptible to infections since their immunity is still developing. It […]
Darren Beckinsale • HSE Risk Management • 13th Sep 2021 • 3 min read time Health Care Risk Insights: Air Quality – A Threat to Patients and Staff Health care facilities must take particular care of indoor air quality; many of those in hospital are especially susceptible to air quality problems, such as immunosuppressed, elderly or chemotherapy patients, and those being treated in bone marrow, neonatal or burn units. Hospitals also face unique risks regarding air quality: The risk of spread of infectious […]
Darren Beckinsale • HSE Risk Management • 9th Sep 2021 • 1 min read time Preparing for Workplace Emergencies It’s important for both individuals and organisations alike to prepare for emergency situations, disasters and health risks that could occur in their everyday environments. Emergencies and disasters can happen when they are least expected. Therefore, it is crucial for employees to be prepared for a variety of workplace emergencies (eg fires, chemical spills and natural […]
Darren Beckinsale • GDPR, Cyber & Data • 8th Sep 2021 • 4 min read time Cyber Risks and Liabilities Newsletter – September 2021 Steps to Take After Experiencing a Cyber-attack hen a cyber-attack occurs, how your organisation responds can make all the difference in mitigating the damages. In particular, time is of the essence. That’s why it’s vital for your organisation to have an effective cyber-incident response plan in place that specifically addresses key actions to implement immediately […]
Darren Beckinsale • Risk Insights • 7th Sep 2021 • 2 min read time Using Technology for Training and Skill Development Employee engagement refers to workers who are not only satisfied with their jobs but highly involved and enthusiastic about them. These employees are passionate, proud and energetic about their work and their employer. Yet only 8 per cent of UK employees described themselves as ‘engaged’ at work, according to a 2016 study by Gallup. Furthermore, […]
Darren Beckinsale • Risk Insights • 6th Sep 2021 • 2 min read time Risk Management Guidance for Property Owners Owning property can be lucrative and rewarding, but it may also come with various challenges and potential risks. When a property owner lets space to tenants, additional risks related to liability can become an issue. A study by RSA Insurance looked into the leading risks and hazards that landlords face while attempting to let property. […]
Darren Beckinsale • Risk Insights • 3rd Sep 2021 • 4 min read time Houses in Multiple Occupation (HMO) Risk Management As a landlord, maintaining healthy, safe and compliant properties for your tenants is already an important responsibility that comes with your profession. However, landlords that let properties considered to be houses in multiple occupations (HMOs) have additional expectations to fulfil. Your property is classified as an HMO if at least three tenants live there—forming more […]
Darren Beckinsale • Charity & Not for Profit, GDPR, Cyber & Data • 2nd Sep 2021 • 3 min read time How to Protect Your Charity From Cyber-attacks Cyber-crime is a threat that must be understood and properly prepared for. Charities and not-for-profit organisations may have good intentions within their missions, but that does not mean that cyber-criminals will spare them. According to the 2021 Cyber Security Breaches Survey—commissioned by the Department for Digital, Culture, Media & Sport as part of the National […]
Darren Beckinsale • Risk Insights • 31st Aug 2021 • 3 min read time Risk Insights: Cleaning Contractors’ Cover Considerations Regardless of the industry or environment, every organisation values a clean, safe and sanitary workplace. Whether it be ensuring a clean waiting room in a health care facility or washing windows on a high-rise, many workplaces would truly be a mess without the aid of cleaning contractors like yourself. However, given that the nature of […]
Darren Beckinsale • Risk Insights • 31st Aug 2021 • 3 min read time Insurance Solutions for Tech Start-ups Initiating a start-up business is a major professional commitment that can lead you to a path of immense financial success and a well-respected entrepreneurial reputation. Indeed, you never know whether your debut business idea could develop into the next big thing and reap significant profits for years to come. What’s more, recent data revealed that […]
Darren Beckinsale • Risk Insights • 31st Aug 2021 • 3 min read time Risk Insights: General Best Practices for Locksmiths Locksmiths have a duty to their communities to ensure that each lock is safe and secure. For that reason, it is important that you adhere to the practices laid out by the Master Locksmiths Association (MLA). One of the most important tenets of the MLA Handbook is ensuring that you are ‘properly insured to carry […]
Darren Beckinsale • Risk Insights • 30th Aug 2021 • 4 min read time Risk Insights: Managing Your Hidden M&A Risks Mergers and acquisitions today generally have more condensed timelines than in the past, which can lead to less time for performing a due diligence review. A rushed due diligence process increases the number of risks that could go undetected when a buyer reviews a seller’s past and current liabilities. The reason that hidden liabilities are […]
Darren Beckinsale • Risk Insights • 28th Aug 2021 • 4 min read time Health Care Risk Insights: Complying With the Duty of Candour As a health care provider, you have a responsibility to be honest with patients or the people acting lawfully on their behalf—particularly when something unexpected or potentially harmful happens during their care or treatment. This obligation is known as the duty of candour and the Care Quality Commission (CQC) developed detailed guidance to help you […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 27th Aug 2021 • 3 min read time The Importance of Two-factor Authentication Cyber-security is an integral part of risk management for any organisation. Cyber-criminals are capable of executing devastating attacks that can result in financial losses, reputational damage and government fines. With those potential consequences in mind, employers should be mindful and take any precautions that might be able to protect them, such as using two-factor authentication. […]
Darren Beckinsale • Risk Insights • 26th Aug 2021 • 3 min read time Health Care Risk Insights: Medical Negligence Basics As a medical professional, you have enough on your mind without having to constantly worry about whether a patient will file a malpractice claim against you and whether the claim is valid or not. Nevertheless, in today’s society, medical negligence claims are becoming more commonplace. Whether you are a doctor, nurse, cosmetic surgeon, dentist, therapist, […]
Darren Beckinsale • Risk Insights • 26th Aug 2021 • 5 min read time Risk Insights: Risk Management for Recruitment and Employment Agencies For both job-seeking individuals and employers looking to fill a vacant position within their organisation, the process of finding the ‘perfect fit’ can be a difficult one. While jobseekers are eager to impress potential employers and either begin or continue their professional career journey, employers have to search through a pool of candidates to find […]
Darren Beckinsale • Risk Insights • 25th Aug 2021 • 3 min read time Risk Insights: Professional Pet Care For some, dogs and cats are four-legged members of the family. However, sometimes professional and personal responsibilities make it difficult for owners to nurture and care for their pets. Because of these deep emotional bonds, owners expect that whoever is entrusted with their pet’s care is adequately qualified and responsible. It is therefore important that, […]
Darren Beckinsale • Risk Insights • 25th Aug 2021 • 5 min read time Working in Domiciliary Care For some adults who have age-related impairments, or physical, mental or sensory disabilities, it may be difficult to live independently. Domiciliary care organisations provide these adults a sense of self-reliance by offering them specialised treatment in their own homes. Personal assistants or care agency staff members are able to visit patients in their own homes […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 24th Aug 2021 • 2 min read time How to Back Up Data Properly One of the most important steps when considering cyber-security and data safety is maintaining backups. Backing up data is the process of copying an organisation’s information to a secure secondary location. As such, if a laptop, smartphone or other device becomes compromised or damaged, the data can be easily retrieved, and any business interruption may […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 20th Aug 2021 • 2 min read time Universities Awarded Grant for Smart Device and Cyber-security Research Four UK universities have received new grant funding for exploring cyber-security issues related to smart home devices and the Internet of Things (IoT). The research will have a focus on how consumers can be warned about potential risks. The venture is called ‘PrivIoT’ and will be led by the Northumbria University Computer and Information Sciences […]
Darren Beckinsale • Risk Insights • 19th Aug 2021 • 4 min read time Loss Control Tips: Restaurants Managing a restaurant brings numerous challenges. After all, restaurant owners must consistently deliver exceptional food and service, maintain a loyal customer base and ensure employee safety. What’s more, restaurant operations also carry a wide range of property and liability risks—which could contribute to costly damages. That’s why it’s crucial to have effective loss control measures […]
Darren Beckinsale • Human Resources (HR) • 17th Aug 2021 • 3 min read time How to Communicate in a Hybrid Workplace While many employees have come to enjoy the flexibility and comfort that working remotely can offer, there may still be benefits of workers spending some time on-site. A solution may be hybrid work arrangements, as they allow employees to work remotely at times while also regularly visiting the physical workplace. Thus, hybrid workplaces are expected […]
Darren Beckinsale • Newsletters • 16th Aug 2021 • 2 min read time Commercial Insurance Profile – August 2021 Understanding Changing Sources of Liability Post-COVID Employers have had many adjustments to make since the start of the coronavirus pandemic, and there still may be more to come. Even as the UK begins to reopen fully and return to life somewhat resembling pre-COVID conditions, it’s important for organisations to realise that many things have changed. […]
Darren Beckinsale • HSE Risk Management • 13th Aug 2021 • 2 min read time Safety Focus – August 21 Protecting Against Pinch Point Injuries A pinch point is an area on a machine or piece of equipment in which a person or a part of their body is at risk of getting caught. A pinch point can be any area (aside from the point of operation) where it is possible for a part of […]
Darren Beckinsale • GDPR, Cyber & Data • 12th Aug 2021 • 1 min read time Common Cyber-security Solutions for Manufacturers The coronavirus pandemic resulted in many employers and organisations having to rely more heavily on technological solutions to maintain operations. While technology can be a great asset for a wide variety of organisations, it must also be understood how increased use of technology can result in additional exposures related to cyber-security. According to research by […]
Darren Beckinsale • HSE Risk Management, Human Resources (HR) • 11th Aug 2021 • 2 min read time Understanding Signs of Workplace Stress Work-related stress is a serious problem that employers must understand and address. It’s possible that some organisations may see workplace stress as a natural occurrence and choose to marginalise the issue or ignore it altogether. However, it’s important for employers to realise that failing to address and manage work-related stress can lead to greater problems. […]
Darren Beckinsale • Construction • 10th Aug 2021 • 2 min read time Understanding the UK Construction Plan for Unsafe Cladding In 2017, cladding was found to be partially at fault for the tragic fire at Grenfell Tower, resulting in the death of 72 people. Panels made from plastic and aluminium were installed at Grenfell Tower to keep the building warm and dry. Later, it was discovered that these materials helped the flames spread after the […]
Darren Beckinsale • Claims • 9th Aug 2021 • 1 min read time Employer Fined After Worker Suffers Chemical Burns Granville Oil & Chemical Company has been fined £100,000 and ordered to pay an additional £9,928.60 in costs after a spillage incident that resulted in a worker suffering chemical burns. The accident occurred while a worker was using a forklift truck to lift a container carrying 1,000 litres of Ultra-Concentrate. The Ultra-Concentrate was being mixed […]
Darren Beckinsale • Risk Insights • 9th Aug 2021 • 4 min read time Loss Control Tips: Hotels Operating a hotel comes with a wide variety of challenges. After all, hotel owners must consistently deliver exceptional accommodations, maintain numerous on-site amenities and ensure a safe and enjoyable lodging experience for each of their guests. What’s more, hotel operations also carry many liability, security and property risks—all of which could lead to costly damages. […]
Darren Beckinsale • COVID-19 • 19th Jul 2021 • 2 min read time Most COVID-19 Rules to End in England On 19th July, England will formally emerge from lockdown as the final social restrictions are removed. Health Secretary Sajid Javid called the move to the fourth and final stage of the government’s roadmap for lifting lockdown restrictions a “major milestone.” Javid also cautioned there could be as many as 100,000 COVID-19 cases later this summer […]
Darren Beckinsale • COVID-19 • 19th Jul 2021 • 2 min read time England Changes Restrictions for Fully Vaccinated Travellers Starting 19th July, travellers who are fully vaccinated will be able to enjoy less stringent restrictions upon arriving in England from countries or territories on the government’s amber list. The amber list is one of three color-coded classifications that officials have been using to identify the level of risk for certain places. Since the system […]
Darren Beckinsale • GDPR, Cyber & Data • 4th Jul 2021 • 3 min read time Cyber Risks and Liabilities Newsletter – July 2021 NCSC Releases New Guidance for Connected Places AS the world continues to become more dependent on technology, many individuals, organisations and even places may now exist in a state of being consistently connected with each other. As such, the National Cyber Security Centre (NCSC) has released new cyber-security guidance for connected places. Connected places—often referred […]
Darren Beckinsale • COVID-19, Regulatory Updates • 16th Jun 2021 • 2 min read time England Delays Next Stage of Reopening Process People in England who have been waiting to fully return to the way life was before the coronavirus pandemic will have to wait a little longer. Boris Johnson has announced a four-week delay in stage four of the country’s reopening efforts. What Does the Delay Mean? England first announced its four-stage process for reopening in […]
Darren Beckinsale • Construction, Risk Insights • 11th Jun 2021 • 3 min read time Drainage Contractors’ Cover Considerations Now more than ever, the UK is clogged. That is, by large masses of fat and discarded items blocking Britain’s sewers, also known as ‘fatbergs’. The term was first coined in 2015, when a 10-tonne fatberg broke a sewer in Chelsea and cost Thames Water £400,000 to fix. However, the problem has worsened in recent […]
Darren Beckinsale • Human Resources (HR) • 11th Jun 2021 • 2 min read time HR Brief 2nd Quarter 2021 Addressing Unwell Remote Workers Many employees may have spent considerable portions of the last year attempting to perform their job duties despite feeling unwell. This can lead to a type of lost productivity known as presenteeism. Presenteeism occurs when employees are not able to function to their full potential due to illnesses, injuries or other […]
Darren Beckinsale • Risk Insights • 10th Jun 2021 • 5 min read time Working in Domiciliary Care For some adults who have age-related impairments, or physical, mental or sensory disabilities, it may be difficult to live independently. Domiciliary care organisations provide these adults a sense of self-reliance by offering them specialised treatment in their own homes. Personal assistants or care agency staff members are able to visit patients in their own homes […]
Darren Beckinsale • Employee Benefits & Wellbeing • 9th Jun 2021 • 3 min read time Engaging Employees With an Organisational Mission Research has shown that employees who are engaged in their work tend to be happier and have better health, which can lead to greater employee retention and productivity. In the wake of the COVID-19 pandemic during which thousands of employees found themselves working remotely for the first time, it can be challenging for employees to […]
Darren Beckinsale • Employee Benefits & Wellbeing • 7th Jun 2021 • 4 min read time Using Technology in Learning and Development By leveraging technology in learning and development efforts, employers can help engage employees, improve the employee experience and create efficiencies in learning and development. As organisational needs accelerate and evolve, it’s important that employees also have the necessary skills to succeed. A tech-enabled learning and development strategy can also address today’s talent shortages and skills […]
Darren Beckinsale • Regulatory Updates • 6th Jun 2021 • 2 min read time Government Hopes to End Unsafe Cladding England’s plans for removing unsafe cladding from high-rise buildings includes a new tax on large property developers and a proposal for a new developer levy, which would be applicable for firms planning certain types of high-rise structures. The government has announced new funding that will help remove unsafe cladding from many residential buildings in England. […]
Darren Beckinsale • Construction, Risk Insights • 4th Jun 2021 • 2 min read time What Are Performance Bonds? Performance bonds are a type of guarantee provided by an insurer, bank or other guarantor that ensures that goods or services are provided in accordance with a contract. The issuing party agrees to pay the buyer an agreed-upon amount of money in the event that such goods or services are not delivered on time or […]
Darren Beckinsale • Risk Insights • 22nd May 2021 • 2 min read time Preventing Hearing Loss According to the Health and Safety Executive (HSE), 1 million employees in Great Britain are exposed to levels of noise that put their hearing at risk. Many workers are often exposed to noises that are loud enough to cause permanent hearing loss. It can happen slowly over time, so it may not even be noticeable. […]
Darren Beckinsale • Cover Overviews, Motor Trade • 20th May 2021 • 4 min read time GAP Insurance While your new vehicle begins to lose its value once the front tyres leave the forecourt, guaranteed asset protection (GAP) insurance can provide you with peace of mind long after the new car smell has faded. Do I need GAP Insurance? Whether it’s brand new or just new to you, buying a vehicle is one […]
Darren Beckinsale • Cover Overviews, Manufacturers & Engineering • 19th May 2021 • 3 min read time Equipment Breakdown Insurance Because your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and can easily sustain damage that causes breakdowns. The losses sustained will continue to increase with the rise of just-in-time manufacturing, Internet marketing […]
Darren Beckinsale • Cover Overviews • 18th May 2021 • 3 min read time Exhibitor Insurance Businesses invest a considerable amount of time and money into making sure the impression they broadcast at an industry exhibition is a good one. When exhibiting at a trade, food or industry show, businesses are displaying not only their wares and services, but also their prominence and success. Presenting at an exhibition can be a […]
Darren Beckinsale • Cover Overviews, Risk Insights • 17th May 2021 • 2 min read time 2021 Cyber Liability Insurance Market Outlook Across industry lines, cyber-attacks have surged in frequency and sophistication, resulting in a rise in cyber-losses. In these market conditions, we predict that most policyholders will experience higher cyber-liability insurance rates this year. According to Finaria, the global cyber-insurance market is expected to grow to a value of £6.83 billion in 2021. This would represent […]
Darren Beckinsale • Construction, Cover Overviews • 17th May 2021 • 4 min read time Tradesman Insurance As a tradesman, you belong to a group of workers skilled in a variety of highly specialised trades and crafts. The term ‘tradesmen’ refers to builders, plumbers, electricians, carpenters, roofers and more. Because the definition of tradesmen is so broad, it can be difficult to choose the cover that best protects against the specific risks […]
Darren Beckinsale • Cover Overviews, Risk Insights • 17th May 2021 • 2 min read time 2021 Employment Practices Liability Insurance Market Outlook The employment practices liability (EPL) market tends to be closely aligned with overall developments in the UK’s economic environment. With that in mind, it should come as no surprise that the EPL market is facing a problematic year. The coronavirus pandemic and subsequent lockdowns have led to an economic downturn that is expected to extend […]
Darren Beckinsale • Cover Overviews, Risk Insights • 15th May 2021 • 2 min read time 2021 D&O Insurance Market Outlook Following a turbulent year in 2020, insurance experts anticipate that the directors and officers (D&O) liability market will remain hard in 2021. Last year, D&O rates increased drastically and line sizes were substantially reduced. This trend is expected to continue. With this in mind, we predict that many businesses will experience significant rate increases, fewer […]
Darren Beckinsale • Employee Benefits & Wellbeing, Human Resources (HR) • 14th May 2021 • 2 min read time FAQs: Workplace Pensions and Automatic Enrolment What is automatic enrolment? Automatic enrolment is a new requirement imposed on employers in the United Kingdom under the pension reform laws. To comply with this requirement, UK employers must systematically enrol eligible jobholders into a qualifying pension scheme and make mandatory minimum contributions into their employees’ pension schemes. How do workplace pensions work? A […]
Darren Beckinsale • Charity & Not for Profit, Risk Insights • 14th May 2021 • 4 min read time Charity Youth Protection Measures It is your organisation’s duty to protect the safety of its youngest members. To achieve this, you need to ensure that your environment is fully secure by implementing policies with children’s best interests in mind. This should reduce and help to prevent adult misconduct while also protecting your staff and volunteers from unsubstantiated accusations. Selecting […]
Darren Beckinsale • Risk Insights • 13th May 2021 • 2 min read time Protect Your Financial Institution from Employee Theft In a financial institution, employee theft is always a concern and that risk is amplified by the current state of the economy. Normally honest employees may resort to theft if they are facing tremendous financial burdens at home. Employees may also be motivated to steal if they were given extra responsibilities after others were terminated […]
Darren Beckinsale • COVID-19, Newsletters • 13th May 2021 • 2 min read time England Establishes New International Travel Rules Starting 17th May, foreign leisure travel will resume, and new international travel regulations will go into effect in England. A new system was announced on 7th May by Transport Secretary Grant Shapps. It will include three different lists identified as ‘green’, ‘amber’ and ‘red’. Countries and territories will be sorted into one of these three […]
Darren Beckinsale • GDPR, Cyber & Data • 7th May 2021 • 2 min read time Cyber Risks and Liabilities Newsletter – May 2021 Understanding the Threat of Firmware Attacks There are many different cyber-threats that organisations must be aware of in today’s world. One specific type of cyber-attack that has become more common of late is firmware attacks. Firmware is a specific type of software code that is used to control various hardware within a computer. For example, […]
Darren Beckinsale • HSE Risk Management • 6th May 2021 • 2 min read time HSE Cornerstones – May 2021 Ensure Proper Safety Precautions for Employees Who Drive for Work Operating a motor vehicle comes with a number of inherent risks for both individuals and organisations. It’s important for any employers that include driving in employees’ responsibilities to take proper precautions. As an employer, you are not only responsible for the health and safety of […]
Darren Beckinsale • Cover Overviews, Risk Insights • 5th May 2021 • 3 min read time Understanding Commercial Property Insurance Commercial property insurance provides protection for property owners as they let out to third parties for commercial uses. This type of insurance policy is important due to the variety of costly incidents that can stem from allowing another party to occupy a commercial property. Commercial property insurance provides protection for property owners as they let […]
Darren Beckinsale • Cover Overviews • 5th May 2021 • 3 min read time Freight Forwarders’ Liability Insurance The responsibilities of freight forwarders—those who give advice, negotiate charges and provide transport solutions for shipments between buyers and sellers—are extensive. As a freight forwarder, your liability can stretch from the initial contract agreement to ultimate shipment delivery and fulfilment of all contractual obligations. For shipments that span different nations—or even different continents—your liability balloons […]
Darren Beckinsale • Cover Overviews • 5th May 2021 • 3 min read time Restaurants and Takeaways Insurance The restaurant and takeaway industry hums along at a speedy pace. Customers filter in and out and employees run back and forth to meet demand. In all this hustle and bustle, risk management techniques tend to fall by the wayside. The fast-paced nature of the work, the high volume of customers and the long hours […]
Darren Beckinsale • Construction • 5th May 2021 • 2 min read time Understanding the UK Construction Material Shortage Due to new tasks and plans put on hold in the past year, there are many projects currently in the pipeline for construction firms. However, while demand being high may seem like a good thing most of the time, organisations must also understand that with greater demand comes greater costs. In this case, an ongoing […]
Darren Beckinsale • Cover Overviews • 4th May 2021 • 3 min read time M&A Insurance Considerations In a situation when one company merges with another to become a single entity or when one company is acquired by another, it is imperative that both parties review and update their insurance covers to ensure all risks are accounted for. This article details the steps your company should take to prepare for a merger […]
Darren Beckinsale • Newsletters • 3rd May 2021 • 3 min read time Commercial Insurance Profile – May 2021 Health and Safety Programmes in a Flexible Work Environment As vaccines continue to be distributed and the UK attempts to reopen, many employers are planning to continue remote work. A study of approximately 1,000 firms by the Institute of Directors found that approximately 74 per cent plan to continue remote work policies that were started […]
Darren Beckinsale • Employee Benefits & Wellbeing • 28th Apr 2021 • 2 min read time Alternative Employee Benefits for Business There are several components that factor into a candidate’s decision to accept a job offer. While salary may seem like the most important, organisations can also create a competitive benefits programme as a way to recruit top talent. Benefits don’t have to be expensive, and they can be the clincher needed for candidates deciding between […]
Darren Beckinsale • Cover Overviews • 23rd Apr 2021 • 2 min read time Warranty and Indemnity Insurance The UK is developing as an international merger and acquisition (M&A) hub for organisations across the globe. But while the process of buying or selling a business can be an exciting time filled with new opportunities, M&A deals are no simple task. For both the buyer and the seller, there are a variety of key […]
Darren Beckinsale • Claims • 22nd Apr 2021 • 2 min read time How do I make an insurance claim for property damage? If your residential or business premises have been damaged, Aspray could help you achieve a fair settlement from your insurer and, working with vetted contractors, aim to reinstate your property to its pre-loss condition as swiftly as possible. Aspray has over 15 years’ experience in property damage claims management, supporting policyholders throughout the UK with their award-winning service, meaning that they know how to see a claim through […]
Darren Beckinsale • Risk Insights • 22nd Apr 2021 • 4 min read time Preventing Sexual Harassment in Education settings There are countless unique risks and liabilities associated with an educational facility. One such liability highlighted in the media in recent years is the sexual harassment of minors. Some high-profile cases have involved legitimate instances of sexual misconduct, while others were false allegations. However, whether false or real, a legal action can have severe consequences […]
Darren Beckinsale • Cover Overviews • 22nd Apr 2021 • 3 min read time Life Insurance Many people mistakenly believe they don’t need to invest in a life insurance policy because they are young, in good health or financially stable. But think again—what would happen if an accident or unexpected illness resulted in your death? How would your financial dependents (eg husband or wife, children, siblings or parents) cope? How would […]
Darren Beckinsale • Cover Overviews, Risk Insights • 22nd Apr 2021 • 5 min read time Landlords Insurance when letting to Students The United Kingdom boasts some of the oldest and most prestigious universities across the globe—attracting a huge amount of both British and international students. As a result of the robust student population, the student let market has been resilient even during the recent recession. Yet, letting to students is not without risk and poses unique […]
Darren Beckinsale • Cover Overviews, Risk Insights • 22nd Apr 2021 • 3 min read time What Insurance do Green Property Owners and Tenants need? So, you’ve decided to go green by buying or renting a BREEAM-certified building for your business. In addition to a reputational boost for taking strides to help the environment, you will likely also be saving on heating and electricity costs. The next step is to look at your insurance policies and make sure your investment […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 22nd Apr 2021 • 3 min read time What is Business Cyber Insurance? As technology becomes increasingly important for successful business operations, the value of a strong cyber-liability insurance policy will only continue to grow. The continued rise in information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. Regulations such as the General Data Protection Regulation (GDPR) must also be […]
Darren Beckinsale • GDPR, Cyber & Data • 22nd Apr 2021 • 2 min read time Business Cyber Risk Management Toolkit This cyber-liability toolkit walks you through the basics of protecting your organisation from cyber-threats. Rely on the included checklist and sample policies to help you stay on track. While organisations may take every necessary precaution, they are seldom prepared for a major cyber-security event. These events can put a serious strain on finances, resources, technology […]
Darren Beckinsale • Cover Overviews • 21st Apr 2021 • 4 min read time Captive Insurance Insurance is a necessity for the long-term success of any business, regardless of size or industry. Due to its significance, insurance can be a costly but required investment. While operating without it is not a viable option, there is an alternative: captive insurance. What Is Captive Insurance? When a business purchases standard insurance, the policy […]
Darren Beckinsale • Risk Insights • 21st Apr 2021 • 3 min read time Protecting Unoccupied Property In a time when redundancies and repossessions are widespread, your firm may be forced to manage unoccupied property. The insurance risks and liabilities associated with owning unoccupied property can be extensive, and to ensure you are adequately protected, it is important to know these risks. In addition to purchasing comprehensive insurance cover, there are numerous […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 19th Apr 2021 • 3 min read time Who Should Work From Home During COVID-19? As organisations across the UK continue reopening and the threat of a second wave of COVID-19 cases looms, employers are facing difficult decisions regarding work-from-home arrangements. Some employers are opting to extend work-from-home arrangements until next year, others are asking all employees to return to the office and some are offering a hybrid of the […]
Darren Beckinsale • Cover Overviews • 16th Apr 2021 • 3 min read time Directors and Officers Liability What is Directors and Officers Liability Insurance? In today’s business climate of corporate transparency and accountability, an organisation’s officers and directors face a myriad of employment-related exposures. Claims can come from many sources, employees, regulators, shareholders, creditors, customers, etc. Ever-changing regulations, increased employee awareness of employment rights as well as the rise of shareholder activism […]
Darren Beckinsale • Cover Overviews • 15th Apr 2021 • 3 min read time Sports Event Insurance – What is Cancellation Insurance? Planning a sporting event can feel like juggling a million things at once—you need balance, precision and expertise to keep things moving. However, it only takes one random mishap to interrupt your rhythm, causing everything to come crashing down and threatening to cancel your event. Whether the event is big or small, professional or amateur, […]
Darren Beckinsale • Employee Benefits & Wellbeing, Human Resources (HR) • 14th Apr 2021 • 4 min read time On-site, Remote and Hybrid Model Workplace Strategies The remote workplace is here to stay, but its role may change. As the pandemic shifts, organisations may be planning a combination of remote and on-site working. In a hybrid model, some employees work on-site, while some employees work from home. This article discusses post-pandemic workplace trends, the advantages and challenges of on-site and remote […]
Darren Beckinsale • Cover Overviews • 13th Apr 2021 • 2 min read time Business Interruption Insurance If a fire causes your commercial property to be temporarily unusable, what would you do next? Would your business be able to pay utilities, wages or any other standing charges without income? It could take months before the damaged property is rebuilt and the stock, machinery and equipment are repaired or replaced. Ideally, you would […]
Darren Beckinsale • Fleet Management, Risk Insights • 9th Apr 2021 • 4 min read time Commercial Motor Fleet Risk Management Managing a motor fleet is exhausting work. Whether your business’ fleet consists of five or 500 vehicles, gathering them all together and managing their collective risk can feel like an endless exercise in futility. While addressing one specific risk, more different risks can pop up, demanding your attention. Instead of addressing risks as they develop […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 9th Apr 2021 • 4 min read time Employer Overview of the COVID-19 Vaccines The COVID-19 pandemic has been wreaking havoc in the UK for over a year at this point. Now, vaccines are finally here. There is a lot of information on the internet regarding the vaccines, some of which is misleading. It’s important for employers to learn the facts about the COVID-19 vaccines so they can better […]
Darren Beckinsale • Motor Trade • 8th Apr 2021 • 3 min read time Motor Trade : Understanding the Electric Vehicle Market Whenever a new technological advancement begins to change a market, it becomes necessary for affected parties to understand the transformation. In recent years, the UK has observed a measurable rise in the popularity of electric cars. The number of pure electronic vehicles (EVs) registered in the UK nearly tripled in 2020 to over 108,000. In […]
Darren Beckinsale • Construction • 8th Apr 2021 • 4 min read time Construction and Dealing With Late Payments While collecting late payments is a relatively constant problem that affects businesses across nearly every industry, it is the single largest risk to the long-term sustainability of construction firms—especially small to mid-sized enterprises (SMEs). The average firm waits 107 days before it receives payment, according to industry research, despite having agreed-upon payment terms before the […]
Darren Beckinsale • Charity & Not for Profit, Risk Insights • 8th Apr 2021 • 4 min read time Planning and Managing Events Event organisers must shoulder a significant burden—they have prime responsibility for ensuring overall health and safety at their events. That means they are inevitably culpable for any event-related health and safety failings. This weighty responsibility can wear down those not prepared to bear it. As an event organiser, how can you effectively do your job […]
Darren Beckinsale • Newsletters • 8th Apr 2021 • 3 min read time Commercial Insurance Profile – April 21 Keep Travelling Employees Safe During the COVID- 19 Pandemic. Although the UK has begun to implement plans for reopening businesses, there are still many precautions that must be taken by employers to keep their employees safe. This duty is even more important for organisations that have employees who travel. While travel has been largely restricted […]
Darren Beckinsale • Employee Benefits & Wellbeing, Human Resources (HR) • 7th Apr 2021 • 2 min read time How to Support Remote Employee Collaboration & Productivity Working remotely doesn’t always come naturally to employees, especially among those who are used to the accountability of in-person workplaces. Remote work requires focus and restraint amid the countless distractions present in the home, and it lacks the socialisation capabilities that come with physically going into the workplace. What’s more, remote employees often need to […]
Darren Beckinsale • Motor Trade • 7th Apr 2021 • 2 min read time Motor Trade Commercial Insurance Profile Motor Dealers Advised to Focus on Financing Options As the sales landscape in the motor industry continues to change, car dealers may need to reconsider how financing options are offered to potential customers. According to MotoNovo, dealers are under greater pressure to provide optimal bargains and financing for clients as the sales process has changed. […]
Darren Beckinsale • Charity & Not for Profit, Newsletters • 6th Apr 2021 • 2 min read time Investing in Digital Foundations for Charitable Organisations The world continues to become increasingly digital and more reliant on technology. The coronavirus pandemic has forced many organisations across all sectors to become more digital, but this is a trend that was already apparent even before lockdown. With that in mind, it is important for charities and not-for-profit organisations to establish digital foundations in […]
Darren Beckinsale • Construction, HSE Risk Management • 1st Apr 2021 • 3 min read time HSE Cornerstones – April 2021 Preventing Workplace Falls From Height Falls from height are among the most common causes of work-related injuries and fatalities in the UK. In fact, according to the HSE, falls from height have been the leading cause of fatalities in the construction, manufacturing and transportation sectors over the last five years. Additionally, during the same time […]
Darren Beckinsale • Risk Insights • 1st Apr 2021 • 2 min read time Hotel Risk Insights: Don’t Let Employee Turnover Cost You A good employee is neither easy nor cheap to replace. However, some employee turnover is good and is an essential part of any business. Those who do well get promoted. Those who under-perform are let go. This type of employee movement is good for an organisation—it gets the talent in the right spots and makes […]
Darren Beckinsale • COVID-19, Employee Benefits & Wellbeing • 31st Mar 2021 • 3 min read time Attraction and Retention Challenges During the Coronavirus Pandemic Attracting and retaining talent is often a top priority for HR departments. Given the effect the COVID-19 pandemic has had on the employment market, one might imagine this task is easier than ever. Unfortunately, that’s far from the truth. While there may be more candidates than usual, attracting quality talent and retaining top performers still […]
Darren Beckinsale • COVID-19, Human Resources (HR), Risk Insights • 30th Mar 2021 • 4 min read time Communicating About COVID-19 Vaccines Employee communications related to the pandemic have played a major role in keeping employees safe and healthy while navigating operational changes and challenges. Now, the long-awaited COVID-19 vaccines have become available. As initial supplies of COVID-19 vaccines are allocated for people in certain groups, employers can and should begin planning for when the general public […]
Darren Beckinsale • Cover Overviews, Human Resources (HR) • 27th Mar 2021 • 6 min read time Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance or EPL/EPLI is a crucial cover from the moment you begin the pre-hiring process until the exit interview, you are vulnerable for an employment related claim. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations. If […]
Darren Beckinsale • Regulatory Updates • 26th Mar 2021 • 3 min read time How the Civil Liability Act Will Affect Personal Injury Claims Personal injury claims that stem from incidents on the road will undergo sweeping changes this spring. The Civil Liability Act has been due to come into effect for some time, but implementation was delayed by the coronavirus pandemic. The government’s latest timeline calls for the legislation to go into effect during April 2021. As such, […]
Darren Beckinsale • COVID-19, HSE Risk Management, Human Resources (HR) • 26th Mar 2021 • 2 min read time Are you ready for the ‘reopening’ of business? In the wake of the UK’s latest lockdown, Prime Minister Boris Johnson has announced a four-step plan that the government hopes will allow England to reopen safely. This process is currently projected to start on 8th March, and each of the four stages will last a minimum of five weeks. Specific goals that will be […]
Darren Beckinsale • Risk Insights • 25th Mar 2021 • 6 min read time Employers’ Liability Insurance? Does my business need it? There are many different types of insurance that employers should consider having, but employers’ liability insurance goes one step further. That is because, in the UK, almost all employers are legally required to carry an employers’ liability policy. Do I need Employers Liability Insurance? All organisations that employ more than one person are required to […]
Darren Beckinsale • GDPR, Cyber & Data • 24th Mar 2021 • 4 min read time Preventing Cyber attacks on Remote Employees The COVID-19 pandemic has solidified remote work as a new operational standard. Employers should expect this trend to only grow in the future. In fact, many major companies, such as Twitter and Microsoft, have indicated that remote work will be an indefinite option for their employees. While this is exciting in many ways, remote work […]
Darren Beckinsale • HSE Risk Management, Newsletters • 23rd Mar 2021 • 1 min read time ONS Releases Statistics on COVID-19 Deaths by Occupation The Office for National Statistics (ONS) has published new findings that provide information on which occupations have experienced the most deaths related to COVID-19. The coronavirus pandemic has affected a variety of organisations across many different sectors, but the new figures from the ONS paint a grim picture regarding which organisations and industries have been […]
Darren Beckinsale • Cover Overviews • 23rd Mar 2021 • 4 min read time What is Commercial Landlords Property Insurance? Commercial property insurance provides protection for property owners as they let out to third parties for commercial uses. This type of insurance policy is important due to the variety of costly incidents that can stem from allowing another party to occupy a commercial property, such as barns or steel structures. This cover is also often […]
Darren Beckinsale • Fleet Management, Risk Insights • 22nd Mar 2021 • 2 min read time Haulage Liability in a Tumultuous Economy The most successful businesses are able to recognise the opportunities that lie in every economic downturn, allowing them to excel while competitors struggle. However, companies that weather tough times relatively unscathed by adapting to the changing economic climate could find themselves facing new, uninsured risks in the long term. Business Insurance Service has compiled these […]
Darren Beckinsale • Professional Indemnity (PI), Risk Insights • 21st Mar 2021 • 3 min read time Professional Indemnity Insurance in a Hardening Market Professional indemnity (PI) cover offers protection against losses that result from legal action due to a negligent act, error or omission by your organisation. This form of insurance can also cover concerns such as slander, libel and breach of contract. PI cover is especially critical for organisations that provide professional advice, offer educated recommendations, design […]
Darren Beckinsale • Cover Overviews, Professional Indemnity (PI) • 20th Mar 2021 • 2 min read time Professional Indemnity for Architects & Engineers As an engineer or architect, you work in a highly skilled, detail-oriented industry and are expected to provide quality design services that are free of errors. Despite your expertise, the reality is that not all projects are error-free and mistakes are bound to occur. Even the smallest error can have serious consequences. If a client […]
Darren Beckinsale • COVID-19 • 19th Mar 2021 • 2 min read time Employers’ Liability Considerations During the COVID-19 Pandemic The coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organisations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also calling into question how insurance policies—like employers’ liability cover—will or won’t respond. Employers’ Liability and COVID-19 In instances […]
Darren Beckinsale • Cover Overviews, Professional Indemnity (PI) • 19th Mar 2021 • 4 min read time Professional Indemnity (PI) Run-off Everybody makes mistakes. However, depending on your profession, one mistake could ruin your career if you neglect to purchase professional indemnity (PI) insurance. PI policies help protect professionals—such as accountants, engineers and architects—from any errors that they may have made while doing their jobs. These errors can include things like making a simple accounting mistake, […]
Darren Beckinsale • Cover Overviews • 18th Mar 2021 • 2 min read time Unoccupied Property Insurance Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase unoccupied property insurance, also known as unoccupied building insurance to protect against risks. What does Unoccupied Property Insurance cover? Fire Lightning damage Explosion […]
Darren Beckinsale • Cover Overviews • 18th Mar 2021 • 3 min read time Sports Insurance By its very nature, sport is unpredictable. No one knows at the outset who will win a match. Players could suffer injuries. Officials could make biased calls. Fans could become overly rowdy. Anything can happen—that’s why people love it so much. However, that uncertainty also generates significant risk for owners or managers of sports entities. […]
Darren Beckinsale • Regulatory Updates • 18th Mar 2021 • 2 min read time Supreme Court Rules in Favour of Uber Drivers A Supreme Court ruling handed down Friday, 19th February could pave the way for thousands of Uber drivers to have access to holiday pay and be assured minimum wage. The decision is the result of a case originally brought by Yaseen Aslam, James Farrar and dozens of other former Uber drivers in 2016. The plaintiffs […]
Darren Beckinsale • Newsletters • 18th Mar 2021 • 3 min read time Why use an Insurance Broker? Brokers are Financial Conduct Authority (FCA)-regulated professionals that utilise their insurance expertise to help customers find affordable and effective cover options. There are more than 2,000 registered brokerages in the UK, according to the British Insurance Brokers’ Association. Don’t rely on a comparison site for personalised cover. Have a look at the numerous advantages of […]
Darren Beckinsale • Risk Insights • 18th Mar 2021 • 5 min read time Recruitment Consultants & Employment Agencies For both job-seeking individuals and employers looking to fill a vacant position within their organisation, the process of finding the ‘perfect fit’ can be a difficult one. While jobseekers are eager to impress potential employers and either begin or continue their professional career journey, employers have to search through a pool of candidates to find […]
Darren Beckinsale • Cover Overviews • 17th Mar 2021 • 3 min read time Environmental Impairment Liability Most people think that only businesses in certain industries such as waste management or chemicals manufacturing need environmental impairment liability. However, all businesses need to assess their environmental liability risks and review how their activities could affect the surrounding environment. Natural or man-made pollutants can be released through many different processes, and they take several […]
Darren Beckinsale • Regulatory Updates • 16th Mar 2021 • 5 min read time Commercial Drone Use While hobbyists have been using unmanned aerial vehicles, better known as drones, for some time, companies are just starting to adapt the technology for their own uses. Small, unmanned aircraft systems (SUAS), also known as remotely piloted aircraft systems (RPAS), have rapidly become more common in companies’ commercial efforts. However, while drones may present your […]
Darren Beckinsale • Human Resources (HR) • 16th Mar 2021 • 4 min read time Return to Work Policy & Risk Assessment Template Identify the hazards. This is the most important aspect of your risk assessment. A good starting point is to walk around your workplace and think about potential hazards. When you work in the same place every day, it is easy to overlook hazards. Follow these tips to help identify the ones that matter: Take account […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 15th Mar 2021 • 1 min read time How to Manage Employees With Long COVID The coronavirus pandemic has wreaked havoc upon the UK, including employers across all sectors. But even when employees have seemingly recovered from a case of COVID-19, it is important to recognise the extended effects that the disease may have on them. Long COVID refers to long-term issues that are being lived with by people who […]
Darren Beckinsale • Cover Overviews • 14th Mar 2021 • 5 min read time Intellectual Property Insurance Intellectual property—patents, trademarks, copyrights and trade secrets—may be more important to your business than tangible assets. There are various avenues you can take to protect them from competitors and, more importantly, thieves. It is estimated that intellectual property theft costs companies billions of pounds a year in lost revenue. Understanding your intellectual property and how […]
Darren Beckinsale • Risk Insights • 12th Mar 2021 • 5 min read time Commercial Property & Landlord Liabilities As the owner or manager of a property management firm, you are responsible for meeting your obligations to commercial tenants. By meeting those obligations, you help your tenants’ businesses thrive as well as keep yourself safe from charges of negligence and insurance claims. Make sure that you know your responsibilities as a commercial landlord in […]
Darren Beckinsale • COVID-19 • 11th Mar 2021 • 2 min read time Tips for Travelling Abroad During COVID-19 Although the UK may be in the midst of attempting to reopen businesses and reduce lockdown measures stemming from the coronavirus pandemic, there are still many restrictions and safeguards in place. This is especially true in regard to travel between countries. Those taking a trip—whether it’s for business or leisure—must be aware of the safety […]
Darren Beckinsale • Cover Overviews • 11th Mar 2021 • 2 min read time Group Personal Accident Insurance Most people think that group personal accident insurance is only purchased by individuals through their personal lines insurance policies, but businesses can also benefit from buying personal accident and group travel insurance. Group personal accident policies can be purchased by employers as an employee benefit for employees and their dependents. They can also be purchased […]
Darren Beckinsale • Employee Benefits & Wellbeing, Human Resources (HR) • 11th Mar 2021 • 6 min read time Advantages of Employee Benefits Insurance The wants and needs of modern employees are vastly different from those of their predecessors. Now, potential employees are concerned with company culture and benefits in addition to their salary. To remain competitive, your organisation must adapt and offer competitive benefits to attract and retain skilled employees. This strategy has not been lost on a […]
Darren Beckinsale • Regulatory Updates • 11th Mar 2021 • 4 min read time Residential Landlords Electrical Safety Standards In June 2020, England implemented new regulations for landlords as it pertains to the safety of electrical systems and equipment. The new Electrical Safety Standards in the Private Rented Sector (England) Regulations 2020 include a number of requirements related to inspections, safety standards and having necessary improvements completed promptly. In the event that a residential […]
Darren Beckinsale • COVID-19 • 10th Mar 2021 • 1 min read time Coronavirus Insurer Updates In response to the ever evolving changes bought on by the consequences of the COVID-19 pandemic, we want to reassure you that we and our insurance partners are here to support you. We will endeavour to make sure your usual level of service is maintained, and the latest updates from industry bodies and insurers can […]
Darren Beckinsale • Cover Overviews • 4th Mar 2021 • 3 min read time Business Protection Insurance Business protection insurance is a key part of being prepared for unexpected hardship or an unforeseen tragedy. While many organisations are diligent in protecting things like their property and assets, it is also important to account for risks related to the potential death or serious illness of an owner or other important party. In the […]
Darren Beckinsale • Employee Benefits & Wellbeing, Human Resources (HR) • 4th Mar 2021 • 2 min read time HR Brief – 1st Quarter 2021 Flexibility and New Skills Top Employer Priorities in 2021 With the coronavirus pandemic having forced many organisations to change the way that they operate, it is important for employers to understand what their peers and competitors may be prioritising in the future. According to Mercer’s 2021 Global Talent Trends study, UK employers and HR professionals […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 4th Mar 2021 • 4 min read time Commercial Crime Insurance You may think that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimised by fraud or theft. Thieves (including your employees) do not need direct access to cash to steal from you—merchandise, supplies and […]
Darren Beckinsale • GDPR, Cyber & Data, Newsletters • 28th Feb 2021 • 4 min read time Cyber Risks and Liabilities Newsletter – March 2021 Cyber-security is a subject that many employers have become more aware of in recent years, but there will always be more to learn and additional adaptations to make. As technology continues to evolve, so do the methods by which a cyber-attack might take place. One key example of a potential cyber-security step that organisations may […]
Darren Beckinsale • COVID-19 • 26th Feb 2021 • 2 min read time NIG Coronavirus Update This week we have seen the Prime Minister outlining his road map plan for England as well as the First Minister explaining the plan for Scotland in exiting the current national lockdown restrictions, both can be found at www.gov.uk and www.gov.scot. The devolved administrations in Wales and Northern Ireland will be making their positions clear […]
Darren Beckinsale • Cover Overviews • 25th Feb 2021 • 2 min read time Key Person Insurance If an employee that is crucial to the function of your business becomes disabled or dies, would day-to-day activity continue as usual or would disorder and uncertainty ensue? Would you be able to maintain the same level of business expectations and revenue stream? How will you cover for the financial loss of the employee or […]
Darren Beckinsale • Risk Insights • 25th Feb 2021 • 3 min read time Directors’ and Officers’ Risks to Understand in 2021 While senior leaders play key roles in the success and improvement of an organisation, these employees also carry a considerable amount of risk. Directors and officers can be major liabilities. Misconduct or negligence that may be committed by these leaders can result in subordinates taking legal action, government-issued penalties and irreparable damage to an organisation’s […]
Darren Beckinsale • COVID-19, Regulatory Updates, Risk Insights • 25th Feb 2021 • 4 min read time Government Announces Plans for Reopening England Plans for England to reopen following its latest coronavirus lockdown will be implemented in four stages that will each last at least five weeks. The earliest date when all pandemic-related restrictions could end would be 21st June. Specific goals that will be monitored by the government in order to lessen pandemic-related restrictions include continued success […]
Darren Beckinsale • COVID-19 • 9th Feb 2021 • 2 min read time NIG Unoccupied Premises Update We are now into the second month of lockdown 3.0 and the Prime Minister has confirmed we are at least a further month from considering lifting restrictions. It is at this point, under normal circumstances, that many of our Packaged products would be automatically reducing coverage for premises that remain unoccupied. As we acknowledge the […]
Darren Beckinsale • GDPR, Cyber & Data • 26th Jan 2021 • 3 min read time Tips for Preventing Malware Attacks Malware is malicious software that poses a serious threat to the cyber-security of organisations. This type of software can not only help hackers steal sensitive data, but it can also take control of devices and use them to attack others. This video includes a number of precautions that can be taken to prevent malware attacks, […]
Darren Beckinsale • COVID-19, Risk Insights • 14th Aug 2020 • 6 min read time Hotels and Guest Accommodations Advice During COVID-19 For owners and operators of hotels, B&Bs, campsites and other guest accommodation services, the safety of customers should always be a priority. Furthermore, given the ongoing threat of the coronavirus pandemic, the importance of safety must be given even more attention. As of 10th August, government guidance is allowing private rooms—such as en suite showering […]
Darren Beckinsale • COVID-19 • 7th Apr 2020 • 1 min read time 6 Hand-washing Mistakes That Help COVID-19 Spread This short video outlines common hand-washing mistakes that help contagious diseases like coronavirus (COVID-19) spread.
Darren Beckinsale • COVID-19 • 2nd Apr 2020 • 3 min read time Aviva Coronavirus Update Aviva Insurance plc wanted to share with you how they have been supporting it’s personal home and motor policyholders by getting behind the Association of British Insurer’s 5 step insurance pledge should anything go wrong during the current COVID-19 pandemic. This includes supporting any of our policyholders by extending cover for those who are: office […]
Darren Beckinsale • COVID-19, Fleet Management • 2nd Apr 2020 • 2 min read time Ageas Fleet Customers – Coronavirus FAQs We advise that you contact us to check your policy for the full detail of the levels of cover included or call us on 01273 789 979 for further advice.. 1. I want to offer my vehicles for use by the NHS, is that possible? Yes. Our Commercial Motor policies provide cover for voluntary work […]
Darren Beckinsale • COVID-19 • 2nd Apr 2020 • 4 min read time NIG Coronavirus Update At NIG, we are working hard in these extraordinary times to ensure our brokers and customers receive the service they need. We want to keep you up to date so you can respond to your clients’ queries about our cover. Please find below the answers to some of our most recent enquiries. Is Business Interruption […]
Darren Beckinsale • COVID-19 • 2nd Apr 2020 • 5 min read time AXA Coronavirus Update Unoccupied premises, due to COVID-19 restrictions Temporary business closures have increased the number of buildings which are unoccupied. These are normally at much higher risk of damage/loss than when occupied, from water damage, arson, theft etc. The standard AXA policies would define a building as unoccupied if empty, or not being fully utilised for business […]
Darren Beckinsale • COVID-19, Employee Benefits & Wellbeing, Human Resources (HR) • 2nd Apr 2020 • 1 min read time 8 Tips for Staying Healthy During the COVID-19 Lockdown This short video provides tips for maintaining your physical and mental well-being during the COVID-19 lockdown. For more government information regarding COVID-19, click here. Contact us today for the latest COVID-19 updates and resources on 01273 789979.
Darren Beckinsale • COVID-19 • 2nd Apr 2020 • 2 min read time Multiple Members of UK Government Test Positive for COVID-19 Just days after the government issued a UK lockdown to help limit the spread of the coronavirus disease 2019 (COVID-19) pandemic, Prime Minister Boris Johnson and Health Secretary Matt Hancock revealed that they have both tested positive for COVID-19. Boris Johnson’s Announcement Boris Johnson announced that he tested positive for COVID-19 via Twitter on the […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 1st Apr 2020 • 3 min read time Recruiting Employees Remotely During the COVID-19 Pandemic The coronavirus disease 2019 (COVID-19) pandemic has caused employers to make significant changes to their business practices, including recruiting. Managers and new employees across the UK are navigating the unchartered waters of remote recruitment. The recruitment process—which is designed to cultivate a long-term relationship between the employer and the employee while fostering a feeling of […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Chemist & Pharmacy Overview Description of Pharmacy operations Chemists can range from the small pharmacy that fills prescriptions to retail stores that offer a pharmacy service and also sell sundries, to huge super or discount chemists that sell all varieties of general merchandise and drugs. Chemists can be attached to and related to doctors’ offices, clinics, or hospitals, or […]
Darren Beckinsale • COVID-19, Human Resources (HR) • 31st Mar 2020 • 3 min read time Furloughs and Lay-offs The last thing employees and employers want is lost jobs. It means financial uncertainty for everyone involved, which is why most employers do everything they can to prevent downsizing or prolonged closures. However, reality sometimes forces the situation, as is the case with the coronavirus disease 2019 (COVID-19) pandemic. Many businesses without the ability to […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Commercial Property Insurance – Overview Your property is subject to many risks, including social and catastrophe perils, structural issues and even disputes with tenants. By purchasing a commercial property insurance policy, you can make sure that you are protected against these risks. Insurable Perils Basic commercial property insurance policies provide one of two basic levels of cover: all risks, and […]
Darren Beckinsale • COVID-19 • 31st Mar 2020 • 4 min read time How COVID-19 Could Impact Your Business’ Insurance The new coronavirus disease 2019 (COVID-19) outbreak continues to be a top-of-mind concern for organisations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also disrupting business operations and creating insurance exposures. In fact, COVID-19 has already led to business […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 2 min read time Employers Liability Insurance Employers liability insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work. Unlike most other types of insurance, employers’ liability insurance is compulsory. If you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry employers’ liability […]
Darren Beckinsale • Cover Overviews, Fleet Management • 31st Mar 2020 • 3 min read time Hauliers’ Insurance – Overview Whether you are an owner operator or managing an entire fleet, your haulage business is at risk whenever your vehicles are off the road. Stagnancy is alarming for the transport industry—every second that any of your vehicles are sidelined threatens your earning potential. To ensure maximum profit and efficiency, your employees and vehicles need to […]
Darren Beckinsale • Construction, Cover Overviews • 31st Mar 2020 • 4 min read time Tradesman Insurance As a tradesman, you belong to a group of workers skilled in a variety of highly specialised trades and crafts. The term ‘tradesmen’ refers to builders, plumbers, electricians, carpenters, roofers and more. Because the definition of tradesmen is so broad, it can be difficult to choose the cover that best protects against the specific risks […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 5 min read time Hotel Insurance What Hotel Insurance do I need? Business in the hotel industry can be precarious. Local events for out-of-towners, currency fluctuations, inclement weather, the health of the economy and the affordability of travel all influence hotel occupancy rates. Despite everything you do, a certain degree of fickleness remains. You face a challenging, inconsistent industry. Do not […]
Darren Beckinsale • Construction, Cover Overviews • 31st Mar 2020 • 5 min read time Contract Works Insurance – Overview Construction projects can be complicated undertakings, and if any problems were to arise before the project is completed, things can become difficult to resolve. Imagine you are working on the framework of a two-storey detached home. One night, a devastating summer storm rolls in and relentlessly batters the building site, effectively undoing several weeks of […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Pub Insurance What insurance do I need for my Pub? When running a pub, you face a variety of risks that can endanger the viability of your business. Due to the nature of your clientele and manner of operation—long hours, late closing times, crowded premises and drunken customers—a number of risks you’re exposed to are unique to […]
Darren Beckinsale • Newsletters, Professional Indemnity (PI) • 31st Mar 2020 • 3 min read time Professional Indemnity Insurance in a Down Economy Professional indemnity insurance offers protection from damages arising from the rendering of or failure to render professional services. With claims increasing during this economic downturn, the need for professional indemnity insurance cover is even greater. Professional indemnity insurance, also referred to as errors and omissions insurance, protects professional personnel against negligence claims made by a […]
Darren Beckinsale • COVID-19, Newsletters • 31st Mar 2020 • 2 min read time Government Issues UK Lockdown to Combat COVID-19 Pandemic As the coronavirus disease 2019 (COVID-19) pandemic continues to spread, Boris Johnson announced on 23rd March 2020 that the UK will go into ‘lockdown’ for at least the next three weeks, effective immediately. The lockdown—which will be similar to that of the current protocols being enforced in European countries severely impacted by COVID-19, such as […]
Darren Beckinsale • COVID-19, Risk Insights • 19th Mar 2020 • 2 min read time Video: Business Continuity Management DOES YOUR BUSINESS HAVE A PLAN IN PLACE TO RECOVER FROM A DISASTER? Business continuity planning can be the difference between successfully recovering from a disaster and going out of business. Using our professionally written and designed resources, you will discover the importance of business continuity planning. ARE YOU LOOKING TO IMPROVE YOUR SECURITY AND […]
Darren Beckinsale • Risk Insights • 19th Mar 2020 • 1 min read time Video: 6 Tips to Keep Your Business from Being Underinsured Many businesses risk their own survival by remaining underinsured year after year. Follow these tips to ensure your business has adequate cover to defend against disaster. If you would like advice on how to protect your business, employees or have questions about your cover – please contact us on 01273 789 979
Darren Beckinsale • COVID-19 • 19th Mar 2020 • 5 min read time Protecting Employees From Coronavirus As global concerns about the 2019 novel coronavirus (COVID-19) continue to rise, it’s important for employers like you to understand what you can do to protect your workforce. Review this guidance for an outline of what coronavirus is, how it spreads and key steps that you can take to keep employees healthy. What Is Coronavirus? […]
Darren Beckinsale • COVID-19 • 19th Mar 2020 • 2 min read time Coronavirus Insurer Update – 19th March We wanted to provide an update as the situation has evolved. As before this is the position as it currently stands and may be subject to change. Government Comments and Assistance One of the most asked questions following their statements, particularly from the leisure industry, has been “Do I have business interruption cover if the […]
Darren Beckinsale • COVID-19 • 19th Mar 2020 • 2 min read time Further information about COVID-19 prevention and best practices. What is COVID-19? According to the NHS, coronavirus disease 2019 (COVID-19) is caused by a type of coronavirus that can spread from person to person and cause respiratory illness. What are the symptoms of COVID-19? The majority of patients with COVID-19 experience mild to moderate respiratory illness with the following symptoms: Fever Cough Shortness of […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 13th Nov 2019 • 2 min read time Client cyber threat advisory from CFC Underwriting Outdated Windows systems vulnerable to BlueKeep exploit Security researchers have recently seen a mass exploitation attempt targeting devices vulnerable to the BlueKeep exploit, also known as CVE-2019-0708. This advisory urges our policyholders to ensure all systems are updated to avoid potential attacks as a result of this, or any other, vulnerability. BlueKeep is a critical […]
Darren Beckinsale • Fleet Management, Regulatory Updates • 19th Mar 2019 • 2 min read time Green Cards, Trailer Registration and International Driver’s Permit As we are sure you are all aware by now, on the result of a no deal Brexit, Green Cards will be required when driving in the EU, EEA, Andorra, Serbia and Switzerland as proof of insurance. This follows guidance published by the ABI. Some insurers are requiring advice 4 weeks before travel, others it […]
Darren Beckinsale • Professional Indemnity (PI), Regulatory Updates • 6th Nov 2018 • 1 min read time AXA offers Management Liability Policy with Brexit Cover AXA Insurance plc are restless in their pursuit of new and better ways to do business. That’s why they’ve strengthened their Management Liability Policy so they’re offering their best cover yet. Standard cover already included: All areas of Regulatory investigation and with no restrictions Employment claims Pension claims Pollution claims clean-up costs – £25,000 Cyber […]
Darren Beckinsale • Risk Insights • 6th Nov 2018 • 2 min read time Taking the risk out of renting for landlords and their tenants Barbon Insurance – Taking the risk out of renting for landlords and their tenants. ‘De-risking the Future’ is a news and current affairs-style programme exploring the vital role of insurance brokers as an essential interface between insurers and clients, at a time when customers’ buying habits are changing. With the insurance broker role changing, this […]
Darren Beckinsale • GDPR, Cyber & Data • 19th Oct 2018 • 2 min read time Cyber criminals are smart, cyber cover from Aviva is smarter Businesses may not realise that something as simple as sending and receiving emails or speaking on the phone puts them at risk of a cyber breach. 46% of SMEs have been affected by a cyber breach in the last year* – yet only 13.7% have cyber insurance to protect their businesses**. Somewhat an underestimated threat. […]
Darren Beckinsale • Newsletters, Risk Insights • 17th Oct 2018 • 1 min read time The bespoke nursery insurance product keeping children safe whilst they play and learn ‘De-risking the Future’ is a news and current affairs-style programme exploring the vital role of insurance brokers as an essential interface between insurers and clients, at a time when customers’ buying habits are changing. With the insurance broker role changing, this programme brings to life how the sector is embracing professionalism and diversification, and striving […]
Darren Beckinsale • Newsletters, Risk Insights • 10th Oct 2018 • 1 min read time Regulation impacting productivity The British Insurance Brokers Association (BIBA) has worked with ITN Productions to create an exciting news and current affairs style programme exploring the vital role of insurance brokers. In this second part how regulation impacted productivity is discussed. The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests […]
Darren Beckinsale • Regulatory Updates • 10th Oct 2018 • 1 min read time Insurance Premium Tax (IPT) Increase In the Summer Budget, announced 8 July 2015, the Chancellor confirmed an increase of 3.5% in the standard rate of IPT. This increase will see the standard rate move from its current 6% to 9.5%. The new 9.5% rate will be effective from 1 November 2015. Our approach to the IPT charges is based upon […]
Darren Beckinsale • Newsletters, Regulatory Updates • 10th Oct 2018 • 1 min read time No more paper licences From 8 June 2015, as part of the Government’s Red Tape Challenge initiative to remove unnecessary burden on drivers, DVLA will no longer issue the paper counterpart to the photocard driving licence. From 8 June 2015, existing paper counterparts will no longer have any legal status. Further details in the video – please see our […]
Darren Beckinsale • Risk Insights • 10th Oct 2018 • 1 min read time Protect yourself from floods Flood Weather Alert 2015 The UK’s Met Office has issued weather warnings for heavy rainfall and strong winds for much of the country. In light of this, we’d encourage you and your customers to assess flood risks now and prepare plans to follow in the event of a flood emergency. Planning for floods The Allianz […]
Darren Beckinsale • Cover Overviews, Manufacturers & Engineering • 10th Oct 2018 • 1 min read time Machinery Business Interruption When machinery is damaged or breaks down it can take time for a business to return to normal operations, often resulting in a loss of income and, more often than not, considerable additional expenditure. Our Machinery Business Interruption policy protects your clients against the potential impact of machinery downtime and operates as a companion to […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 10th Oct 2018 • 2 min read time How safe are your networks? Sophisticated cyber-attacks are on the rise. Research published this year reported that there was a malware attack every five seconds. That’s 18,000 events every single hour. Cyber-attacks are a big and expensive problem. How big? Well Lloyds of London this year estimated that cyber-attacks cost businesses some $400bn every year, that’s 1% of global income. […]
Darren Beckinsale • Cover Overviews, Risk Insights • 10th Oct 2018 • 2 min read time Flood Protection – How do we work to help you? With the economic costs of Storm Desmond approaching £500m it is worth checking that your commercial insurance covers you in the event of such an occurrence. If the worst happens what should you do to help your insurer look after you? In the immediate aftermath contacting your insurer may not be the thing foremost in […]
Darren Beckinsale • Newsletters, Risk Insights • 10th Oct 2018 • 2 min read time The Sharing Economy and Insurance playing catching. You may or may not have heard of the sharing economy but if you haven’t, you certainly will in the future. Two of the fastest growing services in this space are UBER, the taxi hire firm which sees its drivers using their own cars and Airbnb, a peer to peer rental business which has so […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Insuring Your Deal – The rise in Mergers & Acquisitions Insurance Whether you’re a small manufacturer, you own a chain of shops or you run a FTSE 100 company, merger and acquisition activity can be a risky business. Research just released by large global insurer AIG shows just how risky. In situations where cover was in place, nearly 15% of takeover deals resulted in an insurance […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 1 min read time Allianz SME: far from average From 1st February 2016, we will no longer be applying Average to our SME products to make it even easier for you to do business with us and secure the right cover for you. Following the FCA’s Thematic Review, which revealed 40% of SMEs could be underinsured; we are taking the customer focussed step of […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 1 min read time Supporting Paralympic sport on Channel 4 You may have recently heard that Allianz has become a key partner of the Rio 2016 Paralympic Games on Channel 4. This follows our exciting new sponsorship of the British Paralympic Association and ParalympicsGB team. What does this mean? This means we’re sponsoring a range of programmes across Channel 4 leading up to the Rio […]
Darren Beckinsale • Cover Overviews, Manufacturers & Engineering • 10th Oct 2018 • 1 min read time A simple guide to engineering insurance There are many different engineering covers out there. So we want to make your job a little easier when it comes to identifying which engineering insurance products and services your you might benefit from. We’ve included trades within our guide which align with our sector-specific mid-corporate propositions to help ensure that your businesess have all […]
Darren Beckinsale • Newsletters, Regulatory Updates • 10th Oct 2018 • 2 min read time Insurance Tax Rise (IPT) – Again…. BIBA, on behalf of our members and their customers, is astonished that the Chancellor decided that a further increase in IPT is required to strengthen the nations flood defences. Today’s announced increase in IPT means that, year on year, insurance buyers face an increase in tax of 66.6% since March 2015. Previous research by BIBA […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Property View for Property Owners Welcome to the fourth instalment of Property View, the magazine which aims to keep property owners and brokers abreast of developments from across the property owners’ sector. Take a walk down any high street in the UK and you’re reminded of the extent to which the recession is taking its toll. But with one in […]
Darren Beckinsale • Risk Insights • 10th Oct 2018 • 2 min read time Doing it yourself? Do it safely Longer days, lighter evenings and a sudden urge to tend to those things that have been waiting all winter to be fixed often cause us to get the DIY bug at this time of year. Some of us find DIY relaxing. Others find it frustrating. And, unfortunately, more than a few of us find it […]
Darren Beckinsale • Cover Overviews, Newsletters, Risk Insights • 10th Oct 2018 • 1 min read time Serving up the right cover for your business needs At Business Insurance Service we understand the challenges of working in the hospitality industry. Ensuring the products and services you supply are covered, and your revenue protected, is key. That’s why we work with Aviva to provide flexible cover that serves your needs. The Aviva touch Business Insurance Service and Aviva work together to give […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 1 min read time BIBA Conference in Manchester Look what happened when Director, Darren Beckinsale met up with Aviva during the BIBA conference in Manchester. Find out how we can cover your needs If you’re interested in learning more about how we can help protect you, please give us a call on 01273 789 979 or at hello@businessinsuranceservice.co.uk
Darren Beckinsale • Cover Overviews, Risk Insights • 10th Oct 2018 • 1 min read time From theatres to science centres, get great insurance without the drama At Business Insurance Service we understand that the arts and culture sector encompasses a broad variety of businesses and insurance needs. That’s why we work with Aviva to offer you flexible, relevant and essential covers to protect what’s important to you. The Aviva difference Business Insurance Service and Aviva give you the best of both […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 3 min read time UK: Aviva launches customer guide on the Insurance Act Insurance Act applies to all business insurance taken out, renewed or amended from 12 August 2016. Aviva, the UK’s largest commercial insurer, has launched a guide to help business owners understand more about the upcoming changes to the law regarding their business insurance, and outline what the introduction of the Insurance Act will mean to […]
Darren Beckinsale • GDPR, Cyber & Data, Newsletters • 10th Oct 2018 • 2 min read time Allianz launches free cyber risk assessment tool Allianz Insurance plc has partnered with leading global cyber security consultancy, IT Governance Ltd, to offer its commercial customers a free online cyber risk assessment. The Allianz Cyber Risk Assessment tool is designed to help businesses protect themselves against a potential cyber-attack. It provides policyholders with an online questionnaire based on the Government’s ‘Cyber Essentials’ […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 2 min read time 10 ‘safer driver’ occupations revealed by Aviva Drive app Nurses, construction workers and social workers are amongst the safest drivers on UK roads, according to data released today by Aviva. The information was compiled using data from the Aviva Drive app to support Aviva’s new campaign which is striving to make Britain’s roads safer. The campaign is the first initiative to be launched under […]
Darren Beckinsale • Risk Insights • 10th Oct 2018 • 2 min read time Volcanic Ash, what it means for your cover Mount Eyjafjallajökull in Iceland, erupted back in 2010. Though considered unremarkable at the time of eruption, it was to have big consequences for the traveller and insurance industry alike. It’s combination of volcanic heat and glacially cold water, broke the lava into tiny fragments that caused the largest air traffic shut down in Europe since […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Business Contents Insurance As your business grows, chances are it could accumulate very significant levels of physical contents. These will obviously be quite different from business to business. For example, if you’re a workshop, your machines may be expensive to replace. In an office based environment, computer equipment may form the bulk of the contents. If you’re a […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time What’s Flood Re? Flood Re featured heavily in the press earlier in the year. It was created in April 2016 to help homeowners in areas susceptible to flooding obtain affordable home and contents insurance. In simple terms, Flood Re is a new reinsurer set up to take personal home related flood risks from other insurance companies. So far […]
Darren Beckinsale • Cover Overviews, Newsletters • 10th Oct 2018 • 2 min read time Insurance to help you keep on trading Practicing comprehensive risk management is crucial when it comes to successfully managing a company. Risks, like companies themselves, come in many different shapes and sizes. Most companies have near the top of their list of risks, the threat posed to their physical items. Buildings, stock, furniture and so on, are all taken care of by […]
Darren Beckinsale • Fleet Management, Newsletters • 10th Oct 2018 • 2 min read time Driverless cars – what will they mean for insurance!? Driverless cars are closing in on becoming a reality on our roads. Certainly, some estimates suggest that they’ll be on our roads by 2020 and this may yet prove conservative. It’s hard to resist some of the logic for their introduction. In the UK there are around 1,700 deaths and 180,000 other injuries from motor […]
Darren Beckinsale • Regulatory Updates • 10th Oct 2018 • 1 min read time Brexit insurance cover? Well, the news has certainly been dominated by the UK’s decision to leave the European Union, so we suppose it was only a matter of time before Brexit found its way into insurance circles. AIG has become the first insurer to launch a specific Brexit related cover by making available a new add-on to its […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 1 min read time Switching insurer to save money Apathy can be very expensive. This applies not only to our personal dealings but also in the commercial world too. Increasingly as consumers, we’re realising that taking on apathy can save us quite considerable amounts of money. Switching car insurance can save hundreds of pounds and even contents insurance switching can save decent money too. […]
Darren Beckinsale • Cover Overviews, Newsletters, Risk Insights • 10th Oct 2018 • 2 min read time Terrorism – Make sure your business is protected It’s an unfortunate but undeniable fact that our businesses today face an unprecedented threat from global terrorism. While the human tragedy of these appalling events rightly dominate the headlines, for some businesses the consequences of an attack can also be devastating. It’s important to reassess the threat your business faces from terrorism and ensure that […]
Darren Beckinsale • Construction, Cover Overviews • 10th Oct 2018 • 2 min read time Essential tools insurance In many different trades such as building, plumbing or landscape gardening for example, tools are an essential part of the business. Protecting those vital tools with proper tool insurance should be an essential part of any insurance policy. Not only could losing or damaging tools be expensive due to the cost of having to replace […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Start Up Insurance – What is Risk Management? Understanding the various types of insurance on offer, let alone deciding on a supplier can be a daunting business for small companies. The Business Insurance Service can help you navigate through this process, providing a one-stop shop for all your risk management and insurance needs. What is Risk Management? Put simply, risk management is the […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 1 min read time Why do I need Employers Liability insurance? Employers Liability (EL) insurance covers you in the event that an employee becomes sick, injures themselves or dies as a result of your employment. As mentioned previously, EL insurance is a legal requisite if you employ any staff. This includes temporary or holiday labour as well as salaried staff and you must obtain cover with […]
Darren Beckinsale • Newsletters, Risk Insights • 10th Oct 2018 • 2 min read time Temporary incapacity may be considered a ‘long-term’ disability Employees who are disabled are protected from discrimination under employment law. Disability is usually permanent and long term. The European Court of Justice (ECJ) was asked to consider whether short-term (temporary) incapacity of uncertain length could be considered long-term incapacity and, therefore, protected from disability discrimination under EU Equal Treatment law. Case: Daouidi (D) v […]
Darren Beckinsale • Newsletters, Risk Insights • 10th Oct 2018 • 4 min read time Do not disturb – the risks and safety considerations of driver distraction As advances in technology accelerate by the minute, so do the numerous forms of driver distraction. Our lives are busier than ever and it’s becoming increasingly difficult to focus on any one thing. Multi-tasking is rife – even when driving. With 78% of crashes involving the person behind the wheel being preoccupied with other activities […]
Darren Beckinsale • Newsletters, Regulatory Updates • 10th Oct 2018 • 2 min read time Minimum wage and statutory payments to rise from April 2017 Statutory weekly payments for parents and sick pay will go up from April 2017, as shown below. The increase of 1% reflects the annual increase in the consumer price index in the year to September 2016. This is the first increase since April 2015. These payments didn’t change in April 2016 because the index fell […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 10th Oct 2018 • 5 min read time Phishing for small fish: why SMEs need cyber insurance Justin Clarke, Director of Underwriting and Pricing at NIG, explores the threat of cybercrime to small and medium-sized businesses, and explains why comprehensive cyber insurance coverage is essential. Cyber criminals don’t go after small fish, right? Actually, nearly three-quarters of small and medium-sized businesses have suffered a security breach (SC1), and a report from the […]
Darren Beckinsale • Employee Benefits & Wellbeing • 10th Oct 2018 • 3 min read time Salary Increase or Employee Benefits? A survey conducted by Glassdoor in late 2015 showed that 79% of employees would prefer new or additional benefits rather than a pay rise. 37% would prefer more holiday/leave and 32% wanted paid sick days. Interestingly the most in demand benefit was healthcare insurance (40%). The Investors in People’s Job Exodus Trends poll in 2016 […]
Darren Beckinsale • Fleet Management, Motor Trade, Risk Insights • 10th Oct 2018 • 3 min read time When should a business use telematics? Telematics is sometimes described as a ‘silver bullet’ for fleet risk management. With telematics technology constantly developing and costs decreasing, more and more vehicles are being fitted with telematics devices. However, many fleets are still choosing not to adopt telematics, and of those that already have, many are not seeing their collision and claim rates […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 10th Oct 2018 • 2 min read time Crime Insurance quotes added to our online offering This policy will provide you with much-needed peace of mind against a severe threat, and can be extended to protect against the growing danger of cyber fraud, in which firms are tricked into sending money by fake emails from fraudsters impersonating managers or suppliers. Regardless of size, territory and business sector, all organisations are vulnerable […]
Darren Beckinsale • Construction • 10th Oct 2018 • 3 min read time Construction : House Building in the UK House Building and Construction in the UK On Wednesday, Theresa May vowed to fix the housing problem in the UK. However, experts have cautioned that her mission to increase the construction of affordable households is not a perfect solution to the country’s housing crisis. According to the prime minister, the government would raise its budget […]
Darren Beckinsale • GDPR, Cyber & Data, Risk Insights • 10th Oct 2018 • 3 min read time Cybercrime in the UK on SMEs Technology no doubt has brought about a lot of positives. However, you cannot argue the fact that these positives have come at a cost. This cost is the prevalence of cybercrimes! Just recently, cybercrime hit the headlines in the UK once again; from the infamous WannaCry attack on the NHS to Barclays declaring war on […]
Darren Beckinsale • GDPR, Cyber & Data, Regulatory Updates • 10th Oct 2018 • 3 min read time GDPR is coming in May, But why buy Cyber Insurance? Cybercrime is fast increasing and with the European Union having concluded the legislation that has been forthcoming since the year 2012, whether companies will seek cyber insurance remains to be seen. This legislation is expected to seal some outlets that have enabled the escalation of cybercrime activities. In addition, it will diversify company obligations especially […]
Darren Beckinsale • Newsletters • 10th Oct 2018 • 1 min read time Introduction to ‘De-Risking the Future’ The British Insurance Brokers Association (BIBA) has worked with ITN Productions to create an exciting news and current affairs style programme exploring the vital role of insurance brokers. See the first video introduction here. New ‘De-risking the Future’ programme reveals how issues surrounding the burden of regulation are critical to those the Financial Conduct Authority […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 21st Mar 2017 • 1 min read time Introducing Aviva’s new cyber cover As digital technologies accelerate, so do cyber risks. From hacking and malicious attacks to stolen laptops and data, cyber criminals attack indiscriminately. But online attacks are only a part of it. System failure and employee negligence have an equally damaging impact on businesses too. Digital and data reliance is now normal for most businesses. Aviva […]
Darren Beckinsale • Human Resources (HR), Regulatory Updates, Risk Insights • 20th Mar 2017 • 2 min read time Who is a worker and who is self-employed in the ‘gig economy’? Many people now work in the ‘gig economy’ in the UK. The term generally describes a business model based on a flexible workforce – individuals are paid for each ‘gig’ or performance of a service that they provide (such as a courier delivery or taxi ride). Employment laws give different rights and protections to individuals […]
Darren Beckinsale • Construction, Newsletters • 17th Mar 2017 • 3 min read time Tradespeople face up to material price hikes Despite positive economic data, the weak pound could pose challenges for UK tradespeople this year. In particular, rising material costs might prove an issue … The UK economy has so far defied fears of a post-Brexit slowdown, with the Bank of England even raising its growth forecast for 2017 [SC1]. Despite concerns about the potential […]
Darren Beckinsale • Cover Overviews, Employee Benefits & Wellbeing • 15th Mar 2017 • 2 min read time Focus on International Private Medical Insurance (IPMI) from Aviva Clear, flexible private healthcare if you’re living or working overseas It’s all about making sure you have access to high quality healthcare while you’re living or working overseas. That, and having the support of an insurance provider you can trust, which matters just as much as having the right kind of cover in place. Aviva […]
Darren Beckinsale • Newsletters, Risk Insights • 9th Mar 2017 • 3 min read time Tribunal decides redundancy was not because of TUPE transfer Employees may be transferred to another employer when a business changes hands, or when the business stops providing a service that’s then done by someone else. (For example, in-house catering is replaced by an external business providing catering services.) The new employer takes the transferring employees on the same terms and conditions as the old […]
Darren Beckinsale • Human Resources (HR) • 7th Mar 2017 • 2 min read time Unfair dismissals and re-employing If an employee is dismissed for misconduct but later cleared at an employment tribunal, the tribunal can – though rarely does – make an order for the employee to be re-employed. The Employment Appeal Tribunal (EAT) considered whether doing so was feasible in a case where the employer said that trust and confidence had broken […]
Darren Beckinsale • Motor Trade, Newsletters • 14th Nov 2016 • 3 min read time UK car dealerships face up to brexit uncertainties Productivity levels are rising in the UK car industry. But with the Brexit vote creating uncertainties around imports and exports, what are the potential implications for motor dealerships? The UK car industry has staged an impressive recovery in recent times, reversing the trends of the 1970s and 80s. But with the country voting to leave […]
