Managing your business’ fleet of vehicles—worth anywhere from a few thousand to millions of pounds—can seem like a Herculean task. As a fleet owner, you must ensure your employees are authorised to drive, that each vehicle’s use is covered in your insurance policy and that you can add or remove vehicles from your policy to […]
Motor Fleet Insurance Read More »
Despite proper risk management practices, even the most successful and prepared organisations can find themselves suffering from the consequences of a legal dispute. And dealing with litigation problems certainly isn’t cheap—whether it be hefty fines and legal representation costs or excess time spent away from the office, such disputes can leave businesses with a broken
Legal Expenses Insurance Read More »
Product liability insurance (PLI) provides solid protection for your business relating to the manufacturing or sale to the public of products, foods, medicines or other items. This cover provides protection against liabilities for losses due to injuries caused by malfunctions or defects in your products – including design defects or a failure to warn consumers
Product Liability Insurance: Protection for your Business Read More »
Deciphering all the parts of your home insurance policy can be difficult. This article covers the basics in order for you to better understand your policy. All home insurance policies follow the same general format: A declarations page, a definitions section and sections for property insurance and liability insurance. Policy Schedule The policy schedule is
Understanding Your Home Insurance Policy Read More »
As an owner or manager, you have an obligation and responsibility to provide employees with a safe work environment. If you fail to do so, it could result in a current or even former employee filing a claim against you. And claims can be costly—not just financially—but also to your organisation’s reputation. To protect yourself
How Employee Status Affects Employers’ Liability Cover Read More »
Employers across the UK are subject to workplace health and safety inspections and visits from Health and Safety Executive (HSE) and local authority inspectors. These inspectors help enforce health and safety law by inspecting work activities, investigating accidents and responding to complaints in the workplace. They have the power to issue notices and prosecutions, which
Health & Safety Inspections Read More »
It is important for businesses across a wide variety of industries to understand the UK’s value added tax (VAT) system. While many countries around the world now have VAT systems, the UK’s features a number of different entitlements, rates and exemptions that may make understanding it in full somewhat difficult. Still, it is necessary for
VAT Implications on Property Read More »
In an attempt to reduce fraud in the construction industry, there have been radical changes implemented by HMRC that impose rules on the companies that are targeted by the new laws that are very different from how VAT has been collected and reported historically. The onus is now on the customer to pay the VAT
Check when you must use the VAT reverse charge for building and construction services Read More »
Insurance experts estimate that business interruption Insurance is one of the most, if not the most, valuable cover available. Yet, it is often overlooked and misunderstood by commercial insurance buyers. This shines a spotlight on this important insurance cover. Property insurance covers the cost of physical loss or damage in the event of an insured
The Importance of Having Business Interruption Insurance Read More »
Most property insurance policies include a clause that if a property – be it business premises or a residential dwelling – is left vacant for longer than a specified length of time, then it will not be covered unless an unoccupied property option is included. The length of time that must pass before its deemed
Unoccupied Property: Is Your Premises Protected? Read More »
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