Picture this… you get home after a long journey, and your wheelie bin is at the end of your drive. Your natural reaction might be to get out of your car to move the bin out of the way, so you can pull into your driveway. Believe it or not, …
One of the biggest challenges that the insurance industry will face in 2021 is the change to the Civil Procedure Rules concerning whiplash injuries, as legal proceedings and rules changes associated with Whiplash Reforms have been announced, which will come into effect on 31 May 2021. Background It has been …
Green Cards Whilst negotiations between the UK and EU continue there currently remains the possibility of a no-deal or ‘hard’ Brexit. In such a scenario there would be the automatic annulment of many agreements and mutually compatible laws which were designed to facilitate the movement of goods and people between …
The illegal cultivation of cannabis in the UK has become a significant threat to properties following an explosion in the number of clandestine, indoor growing operations. According to a report published in 2018 by the Institute of Economic Affairs, the black market in cannabis in the UK is estimated to …
Knowing the difference between labour-only and bona-fide subcontractors can help protect your business from costly and damaging risks, including fines, penalties and large-scale claims. The defining characteristics of labour-only subcontractors are as follows: They work under your supervision and direction They use your materials, kit, equipment and tools They must …
Today is National Get to Know Your Customers Day, observed on the third Thursday of every quarter. We’re taking this opportunity to take a look behind the scenes at the work our brokers do to get to know our customers in the form of Risk Reviews. Chris Norton, Client Executive …
The life sciences industry encompasses a wide range of businesses involved in the scientific study of living organisms. Such businesses help solve society’s most pressing problems by creating pharmaceuticals, testing medical devices, developing sustainable food sources and much more. But all this crucial, life-saving work – the product of countless …
More than ever before, organisations are aware of the potential financial impact of a cyber-attack. Many wrongfully assume that the steep, monetary burden of a cyber-attack (exacerbated by new, higher fines under the GDPR) is exclusively tied to damaged digital assets, lost records, and the price of investigating and reporting …
Today’s evolving risk landscape contains a wide range of intangible threats – cyber-attacks, broken supply chains and the mental health of your employees, to name a few – that all have the potential to cause noticeable business interruption within your organisation. In fact, recent research found that 20 per cent …
Faith-based organisations face several exposures because doors to their facilities often remain open for long periods of time, and people are constantly entering and exiting the premises. To make hazard assessment more complicated, people representing these organisations often congregate in locations other than their main facility. This article looks specifically …
