Tag Archives: Liability

Covid-19 and Employers Liability Insurance

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 […]

Your environmental liability: don’t fall short on protection.

An area of risk that many companies overlook is environmental impairment liability. Regulations exist which impose responsibility for environmental damage. These regulations implement a ‘polluter pays’ principle, meaning that businesses must take precautionary measures to prevent environmental damage and take remedial actions if damage occurs. Failure to comply with regulations and or maintain proper standards […]

“Management” Liability

In the past, you may have heard us talk about Directors & Officers Liability Insurance, often referred to as D&O. D&O policies offer financial protection to directors and officers of companies against claims made against them in their personal capacity as directors or officers of a company. “Officer” is an unusual term but it refers […]

Environmental Liability: is your business exposed?

Both legislative changes and increased pressure for businesses to behave in a social, ethical and environmentally responsible way has led to an increase in demand for companies to purchase Environmental Liability insurance (EIL). Whilst this type of cover is not compulsory at present, the Environmental Damage (Prevention and Remediation) Regulations of 2009 have introduced new […]

Do you know your Vishing from your Phishing?

In the week when a PII insurer declined to indemnify  a £700,000 loss of client money, (and made national headlines http://www.bbc.co.uk/news/uk-34432596), the whole question of just how robust your insurance programme is came sharply into focus. Do your PII, Cyber and Crime policies dovetail? Do you have Cyber and Crime policies? Moreover, how do you […]

Do your Insurers really know what you do?

“Why on earth do Insurers want so much information about my business? We’re Ground Workers, surely they know what that means!?” In reality, most insurance underwriters have never been near a construction site and don’t understand what goes on behind that Heras fencing. Underwriters are also able to rely upon the fact that the policy […]