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Commercial Property Insurance
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 […]
education insurance
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 • 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 • 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 • 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 • Risk Insights • 18th Mar 2021 • 5 min read time

Insurance Insights : 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 • 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, 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 • 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 • 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 • 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 • 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 • 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 • 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 • 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 • 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 • 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 • 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 • 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 […]

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