News
How to spot the security flaws in your warehouse
Protecting your livelihood is important in all industries, especially when you have a warehouse packed full of stock and expensive machinery. Here, Paul Sweeting, Technical Director of physical security specialist Bradbury Group, shares his tips for identifying security flaws in your warehouse and how to deal with them.
Assessing business interruption insurance requirements
Imagine the devastation a fire or flood would cause your business. Over the past few years, we’ve witnessed the trauma homeowners have faced due to severe weather conditions. Whilst the media focused on personal losses, little has been made of the implications for businesses. Recovering from these disasters take its toll both financially and emotionally.
How to improve warehouse safety
Getting warehouse health and safety right is integral to employee wellbeing and site efficiency. That’s why we’ve invited Dan Casey, Marketing Manager at hydraulic lifting equipment manufacturer Penny Hydraulics, to share some tips to help improve warehouse safety..
10 Cyber-security Resolutions to secure your Data Exposures
Cyber-security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organisations to reassess their data protection practices at the start of each new year and make achievable cyber-security resolutions to help protect themselves from experiencing data breaches and paying costly fines under the GDPR.
Ensure Your Compliance with Section 20 of the Landlord & Tenants Act 1985
The Biggest Risks Facing UK Businesses in 2019: Revealed
In the past 12 months, the UK has experienced several changes that impacted businesses across the nation, regardless of size or industry. Between growing cyber-security concerns from high-profile breaches and the GDPR, broken supply chains from a commercial CO2 shortage and the collapse of big-name companies like Carillion, various risks have taken precedence. Not to mention, 2019 will be another year of change as Brexit occurs.
Limiting Your Airside Liability
Consider this scenario: Despite the early hour, the local airport is abuzz with activity and one of your delivery trucks is parked airside (generally any area in an airport that has restricted access), ready to unload its goods.
Upcoming Surprise HSE Construction Site Inspections to Focus on ‘Slow Killers’
Beginning 1st October 2018, the HSE will be conducting its latest inspection initiative, focused on the construction sector. Employers can expect HSE surprise inspections to place an emphasis on ensuring workers are protected from long-term health complications, such as occupational lung disease, that typically result from asbestos, silica, wood or other dust exposure.
Careful Broking
Buying insurance is often taken for granted. For personal insurances the buyer will usually start on the internet, whether to get a quote or to find a broker. One or maybe two products are bought on average, maybe a motor policy and legal expenses or a household policy. Price is often the key driver for making the decision.
Whirlwind brings unwanted Christmas present
One of our clients, a construction company specialising in building hotels, restaurants and pubs, completed the build of a hotel in Suffolk for a large, well-known chain. The quality of their work was always excellent and their first-class reputation helped them win major contracts.
Why the GDPR Means You Need More Cyber and Directors’ and Officers’ Insurance
Last year was a record-breaking year in terms of cyber claims, totalling more claims than the previous four years combined, according to recent industry research.
Case Study: Bromwall’s diligence saves construction client nearly £2 million
A few years ago, one of our clients, a large construction company, purchased a well-established joinery and woodworking business which had been trading for well over 50 years.
Revealed: The Leading Causes of Underinsurance and How to Fix It
No matter how bright the future looks for your business, you never know when disaster will strike. Whether it be a flood or destructive building fire, it is vital to have proper insurance policies to protect your business from any interruptions—especially if you are a SME with minimal financial flexibility
Benefits of Cyber-Insurance
As technology becomes increasingly important for successful business operations, and the General Data Protection Regulation (GDPR) promises much stricter penalties for lax data security, the value of a strong cyber-insurance policy will continue to grow.
Benefits of Stock Throughput Insurance
There are many risks that threaten your organisation when it transports or stores cargo. To protect your business, you can buy insurance for each individual risk that may occur, but that could leave your organisation exposed to potential gaps.
1 in 4 Workers Exposed to Asbestos
Asbestos is a fibrous mineral that was commonly used in building materials for decades and is responsible for the deaths of 5,000 people each year, with 66 per cent of them having worked in construction, according to the HSE
If Your Health and Safety Policy is Out of Date, it Could Cost You £126,000
In 2016-17, the HSE had a 93 per cent conviction rate, with the average penalty costing organisations £126,000. Now, take a minute to review your health and safety policies—are they sufficient enough to avoid such a staggering fine?
Make Environmental Risks Top of Mind
The construction industry is responsible for nearly one-third of all industry-related pollution incidents in the United Kingdom, according to the Environment Agency.
Construction Site Safety Inspections
Construction is one of the most dangerous industries in the United Kingdom. HSE inspectors have the right to enter worksites without prior notice, although many will give notice where appropriate. It is your responsibility to make sure that you are prepared when inspectors come.
Health and Safety Responsibilities for Self-builders
Self-building a new home or extension can be an exciting and rewarding process. It gives a self-builder the opportunity to create a customised space from start to finish. Self-build homes can be environmentally friendly, often have innovative designs and may cost less than standard housing.
The Overlooked Physical Exposures of a Cyber-attack
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 a breach.
Do You Need GAP Insurance?
Whether it’s brand new or just new to you, buying a vehicle is one of the most significant purchases that you will make during your life. It requires hours of research comparing different makes, models and features even before you start hunting for the best deal. Unfortunately, after all of that work, once the front tyres of your vehicle leave the forecourt, it begins to lose its value.
Labour-only v Bona-fide Subcontractors
As the owner or manager of a construction firm, you know that construction projects, no matter the size or scope, can be significant undertakings full of challenges. One such challenge that you may encounter deals with what type of subcontractors you hire—specifically labour-only or bona-fide. Knowing the differences between these two classifications can help protect your business from costly and damaging risks, including fines, penalties or even whopping insurance claims.
Choosing the Right Alarm System
If properly installed, monitored and maintained, an intruder alarm system can provide your organisation with security and peace of mind. Burglars are an ever-present threat to your business. Fortunately, there are simple methods to deter them from succeeding, such as sturdy locks and an intruder alarm system.
How Employee Status Affects EL Cover
As an owner or manager, you have a clear obligation and responsibility to provide your employees with a safe working environment. If you fail to do so, it could result in a current or even former employee filing a claim against you.
Changes To The Ogden Discount Rate
On 27th February 2017, Lord Chancellor Elizabeth Truss announced a new discount rate of – 0.75 per cent for personal injury awards. This new rate comes into effect 20th March 2017 and was met with enthusiasm by personal injury victims and advocates, but with sharp criticism by insurers.
Aviation Insurance – What you need to know
Aviation insurance is a policy that offers property and liability coverage for aircraft. It covers losses resulting from aviation risks that come about due to the maintenance and use of aircraft, property damage, loss of cargo, or injury to people.
The Enterprise Act
The Enterprise Act, a wide-ranging piece of legislation designed to benefit the United Kingdom’s 5.4 million businesses, received Royal Assent (became law) on 4th May 2016 and will come into effect in May 2017.
The Insurance Act—What Businesses Need to Know
The Insurance Act, a piece of legislation designed to modernise and support the growth of Britain’s insurance industry, received Royal Assent on 12th February 2015, thus making it an Act of Parliament (law).
Landlords and the Smoke and Carbon Monoxide Alarm Regulations 2015
The Smoke and Carbon Monoxide Alarm (England) Regulations 2015 were approved by Parliament in order to reduce the risk of injury or death caused by smoke or carbon monoxide in the private rented sector—they apply to England only. The regulations place onus on private sector landlords starting on 1st October 2015 to ensure the installation of smoke alarms on every storey of their rental properties which are used as living accommodation,