How to reduce your Employers’ Liability insurance premium

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 …

The unique risks of family-owned businesses

While any business relationship can be complex, adding a family dynamic to the mix creates unique issues and risks to navigate. Director and officer claims, employment-related legal actions and errors and omissions can affect family businesses more than other businesses. Pound Gates Insurance Brokers can develop a bespoke insurance programme …

Top 10 Risks to Small Businesses

Simple strategies small business owners can take to identify and manage top risks Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner into trouble. A business plan built …

Special Event Insurance explained

Hosting events such as concerts, festivals, conferences, trade shows, sporting events and celebrations subjects a business to a variety of liabilities and risks that must be considered to avoid costly litigation or other losses when something goes amiss. Appropriate covers for events include Property Damage Insurance, Public Liability Insurance, Employer’s …

Environmental Impairment Liability explained

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 …

Insurance brokers: why it’s all about making a difference

Pound Gates was delighted to be included in a recent article by Insurance Business which focuses on the contribution insurance brokers are making in their local communities. This is highlighted by a survey carried out by specialist insurer Ecclesiastical. It found that: 75% of the 250 brokers surveyed believe it’s important to …