Tag Archives: Liability insurance


Will your insurance policy respond correctly between BFSC & LOSC?
May 5, 2021

Will your insurance policy respond correctly between BFSC & LOSC?

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Is your rail contractors policy set up correctly?   The insurance definition of BFSC & LOSC is different to the HMRC definition. Make sure you have the correct procedures in place to ensure your insurance policies respond in your time of need. Whilst it is difficult to provide an accurate definition (as the law does…

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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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Subcontractors – The difference between LOSC and BFSC
June 3, 2020

Subcontractors – The difference between LOSC and BFSC

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The insurance definition of BFSC & LOSC is different to the HMRC definition. Ensure you have the correct procedures in place to ensure your insurance policies respond in your time of need. Whilst it is difficult to provide an accurate definition (as the law does not provide one), it is important try to correctly determine…

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Why Professional Indemnity Insurance Is Essential
November 10, 2019

Why Professional Indemnity Insurance Is Essential

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What if you provide advice and consultancy and there’s a mistake in the advice you’ve given? What if you provide an expert service and there’s a mistake in designs, plans or calculations? What if you handle people’s information and you face claims that you accidentally disclosed data or infringed on a client’s legal rights? If…

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10 reasons why you should consider D&O Cover
September 29, 2019

10 reasons why you should consider D&O Cover

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Being a director is often challenging and potentially lucrative, but if the prospect of being sued is looming, it can be a lonely and alarming position. Directors and officers cover (D&O) provides a suit of armour in the face of legal action, with the insurer stepping in to provide guidance at the first sign of…

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Covernotes 2018 Summer Newsletter
August 31, 2018

Covernotes 2018 Summer Newsletter

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Summer 2018 Covernotes Newsletter Please download our 2018 summer newsletter In these covernotes we include: The insurance implications of Britain becoming a nation of fly-tippers Helping to make the Claims experience less painful Data keeping drivers safe on the road by getting to know their good and bad habits Leave no stone unturned with Silicosis…

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Plant Insurance – (the bit that dropped off)
April 3, 2018

Plant Insurance – (the bit that dropped off)

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It seems that most Contractors (and their brokers) are quite unaware that the cover they buy for Plant and Hired-in Plant is far from the best. Perhaps 99% of Contractors have their Plant and Hired-in Plant insured under a standard Contractors All Risks policy and if you are one of them just ask yourself, does…

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How To Safely Walk On Ice
March 3, 2018

How To Safely Walk On Ice

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With more snow forecast this week, you’re likely to encounter a bit of ice. As well as meaning the weather is going to be on the chilly side, ice also poses an issue when it comes to walking for yourself, staff and members of the public. All it takes is for you to step incorrectly…

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Water damage – over 25% of all claims originated from this risk
February 18, 2018

Water damage – over 25% of all claims originated from this risk

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In 2016, escape of water contributed to over a quarter of all domestic property insurance claims, ranking above ‘weather’ and ‘fire and explosion’. Between January and September 2017, these claims totalled £483m – an increase on the previous year. However, it’s also an issue in the commercial space. The continuing rise in escape of water…

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Business Description – A Cautionary Tale
February 12, 2018

Business Description – A Cautionary Tale

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Does your business description on your policy documentation fully describe all your business activities? We often discover inaccurate or incorrect descriptions which could make a policy void in the event of a claim, we explain more ….. A man is working on a building site somewhere in Essex. A trained operator, he is digging a hole…

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