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When we entered the first stages of lockdown, we were advised to abandon our workplaces and if possible work from home. This resulted in the majority of commercial properties and contract sites being unoccupied with no clear indication as to when they might re-open. Insurers reacted by providing guidance on the measures necessary to protect […]
You may have heard in the business news that the insurance market is hardening. This means that premiums can increase, cover can be restricted and insurers are less inclined to take on new clients; essentially it can become difficult for a business to keep their costs down for those essential insurance covers and unfortunately shopping […]
The “new normal” has seen many companies re-organise to facilitate homeworking by their employees. This unfortunately has given cyber criminals an opportunity to take advantage of the new situation & we are seeing a dramatic rise in cyber crime as a result. How can businesses protect themselves & their employees from criminals focused on attacking […]
Claims notification is part and parcel of an active insurance policy; however, does it matter when the claim is notified and does it make a difference to how the claim plays out? Let’s take a look at a motor example and see how this operates in practice. Early notification after an accident has occurred is […]
Making predictions in this world is a particularly hazardous occupation. Nostradamus springs to mind as someone with a monopoly on predicting the future but did he, really? Nostradamus attended Avignon University but was forced to leave after just one year following an outbreak of an infectious disease. Sound familiar? Well, he didn’t see that coming. […]
As an employer you have a legal duty to care for the health and safety of your employees. Your employers liability policy provides protection against your legal liability to your employees, including property damage and bodily injury. Bodily injury includes illness, including illness resulting in death and this could potentially involve legal liability incurred from […]
Insurance cover might not be at the forefront of your mind at the moment, but it is as important now than ever. We have already explored and communicated some important features and changes to your insurance cover during the Covid-19 pandemic. We have spoken to lots of companies who have made adjustments to their business […]
As the Covid-19 situation develops and more businesses start to work from home, it is essential you are aware of the policy conditions that come into play when leaving your premises unoccupied for a number of days. Insurers are trying to help business by reducing the conditions applied and extending the number of days where […]
If you are one of the companies who have had to temporality close as a result of the latest government advice, we understand that you will have enough on your mind already. Most insurance policies do however contain a clause regarding notification to your insurer if your premises/business becomes unoccupied. Every insurers stance is slightly […]
“It’s Business as (un)usual” Those of us in the business of risk management have long feared the impact of a global virus but if we are honest, we had in mind a virus in our technology rather than in the population. It seems we live in unpredictable times. During recent weeks we have […]
