Category: Liability


Whiplash reforms – In place from now
July 27, 2021

Whiplash reforms – In place from now

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Whiplash reforms – In place from now   From the 31st  May new whiplash reforms came into legislation.   WHAT DOES THIS MEAN? Historically, the limit for the Small Claims Track (the route to bring low value claims to court) was £1,000. The reforms will increase this limit to £5,000. This will mean that if…

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Employers Liability claims in relation to COVID-19
July 13, 2021

Employers Liability claims in relation to COVID-19

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As restrictions ease over the coming months businesses should be aware of potential Employers Liability claims in relation to COVID-19. This useful guide for employers includes preventative measures businesses can take to help manage these types of claims. Working from home It was supposed to be temporary, then it became less temporary, now many businesses…

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Tips for preventing theft from your worksite
May 26, 2021

Tips for preventing theft from your worksite

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Employee training Employees are vital to any business and can play a key role in safety and protection of the company and equipment. Companies should always check the backgrounds of any potential employees, if possible. Once on board, security guidelines and polices should be explained in detail and all staff need to be trained in…

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Is my gym Covid secure?
May 13, 2021

Is my gym Covid secure?

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Is my gym Covid secure?   Keeping yourself active is an essential part to your wellbeing. It is proven fact that exercise increases endorphins, which in turn lifts moods and makes you feel better. Being stuck in your own home for the last year has had major effect on people’s wellbeing, decreasing motivation while increasing…

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Is my shop covered?
April 29, 2021

Is my shop covered?

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With the country opening again recently, business owners have been able to return to their livelihood. If you are returning to your shop, bakery or tearoom, this is the type of cover you will need to look at and review.   Shop insurance  Shop insurance  is an overview term for policies such as bakery insurance,…

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Is my business secure? – Security overview
April 20, 2021

Is my business secure? – Security overview

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Is my business secure?   With everything starting to open again, business owners who haven’t been able to trade for the last year are able to get back to their livelihood and resume a bit of normality. The worst thing that could happen is to come back to your place of work and find it…

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Common insurance mistakes to avoid for your small business
April 14, 2021

Common insurance mistakes to avoid for your small business

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Common insurance mistakes to avoid for your small business The easiest way to avoid liability and probable financial loss is to secure your business against unforeseeable circumstances. Failure to do so jeopardizes the chance of your venture’s success and exposes you to the danger of losing all you have built over the years. Although most…

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Ready to reopen? Guidance for UK pubs and restaurants
April 5, 2021

Ready to reopen? Guidance for UK pubs and restaurants

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Ready to reopen? Guidance for UK pubs and restaurants Re-opening pubs and restaurants after lockdown can’t be treated as standard. Proprietors and managers need to look at this as though they are opening for the first time, with a particular emphasis on health and safety.   Hospitality businesses have faced a difficult time, following months of compulsory closures…

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Ascend 2021 liability insurance masterclass
January 25, 2021

Ascend 2021 liability insurance masterclass

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Liability Insurance – Masterclass   “Any One Occurrence” or “in the Aggregate” Liability Policy Limits   Cover under a public/products or employers’ liability policy is underwritten on an “any one claim” basis. Professional indemnity is generally offered on an “in the aggregate”, meaning the total limit throughout the duration of the policy.   It is…

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The recent COVID -19 High Court ruling
September 22, 2020

The recent COVID -19 High Court ruling

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The recent COVID -19 High Court ruling   This provides some clarity for customers’ business interruption claims caused by COVID-19 pandemic.   The Background Following interruption to businesses due to the pandemic, insurers were showing inconsistency in dealing with claims. Many business interruption covers only provided property damage cover. However, some policies had infectious disease…

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