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Back to Basics – Article Eight: Retroactive Dates

While the key dates on your professional indemnity insurance policy will be the start and end of that particular policy period, another important date that can impact on your position is the ‘retroactive date’. This document examines what is a retroactive date, what it means and what can be done to ensure your business is

Back to Basics – Article Seven: Reservation of Rights

From an insurance perspective, one phrase that we hope to never see in connection with a claim is “Reservation of Rights” or “ROR” for short. However, an ROR can come in one of two flavours, and this document we will consider each in turn.

Practical Completion Certificate vs Building Warranty

As part of the Services being provided to a Client, you may be asked to inspect the project at various stages and certify that the works are being completed in accordance with the drawings and the planning permissions. At the end of the project, you would generally provide a ‘Certificate of Practical Completion’, which can

Round Peg in a Square Hole

Practical Completion Certificate & Building Warranties As part of the Services being provided to a Client, you may be asked to inspect the project at various stages and certify that the works are being completed in accordance with the drawings and the planning permissions. At the end of the project, you would generally provide a

Back to Basics – Article Six: Disputes with your Insurers

Unfortunately, the world is not always an ideal place and, at times, you may find that you and your Insurers do not see eye to eye on the conduct of a claim. There can be a variety of reasons for a dispute arising, and these can range from a simple disagreement over the most cost-effective

Back to Basics – Article Five: Co-operating with your Insurers

This document deals with the requirement and reasonable expectation for policyholders to co-operate with insurers when notifying and dealing with the claim under a Professional Indemnity Insurance policy.

Back to Basics – Article Four: Settlement & Insurers Consent

When you receive a claim, especially if you are still undertaking work for the Client, there may be the urge to try and nip things in the bud and come to a settlement with the Client. However, while this approach is laudable, you may also run the risk of falling foul of the terms and conditions

Contracts and the Need for Certainty

You met the Client for the first time, they were impressed with your suggestions and ideas, a fee has been agreed and off you go. While you are in this ‘honeymoon’ period, everything seems positive, but the position may change as the contract progresses, and situations may arise where there ceases to be such a meeting of minds and then it can become a game

The Services: The Devil in the Detail

In a recent article (‘Contracts and the Need for Certainty’), we highlighted the importance of ensuring that a formal contract is in place with your Client(s). This helps ensure that both parties are aware of the terms of the appointment, and can assist in safeguarding your position should a dispute arise. However, the simple fact that a Contract is in place can also

Copyright: Designs & Liabilities

When tackling a new project, your clients will rely on your professional expertise in the preparation of plans and designs to help bring the project to fruition. But where are you left if your Client only appoints you in connection with the early stages of the project or terminates your involvement before you reach the latter stages of the work and,

Back to Basics – Article Three: Notification of Claims

It is important to ensure that any claims or potential claims are notified to your insurers as soon as you become aware of them. This document provides information on when and how you should go about notifying a claim under your Professional Indemnity Insurance policy.

Back to Basics – Article Two: Professional Indemnity Insurance – An Overview

This document provides an insight into the workings of what a Professional Indemnity Insurance policy is and who needs it. A must-read for anyone who is new to this type of insurance coverage.

Back to Basics – Article One: “Claims Made” Cover

One of the key differences between your Professional Indemnity Insurance (PII) and most other insurance policies that your company may hold (i.e. Employer’s Liability or Public Liability), is the fact that PII cover is provided on a “Claims Made” basis. This document will cover: What does “Claims Made” actually mean What do you actually need

Cyber Risks & Liability – Cyber Security Tips for Small Businesses

High-profile cyber-attacks on companies such as Sony have raised awareness of the growing threat of cyber crime. Recent surveys conducted by Symantec and other cyber-security organisations suggest that many small business owners are still operating under a false sense of security. Read our tips, to help mitigate your cyber risk.

Cyber Risks & Liabilities Newsletter April

The Cyber threat is the UK is growing according to a joint report from the NCSC and NCA, plus how mobile apps and smart living could be opening you up to a security breach.

With Friends Like These…

As a professional, a simple fact of life is that, at some point, one of your friends is likely to ask for your advice or assistance with something that falls within your area of expertise. It happens to us all at some point, but the real question is how should you deal with it?

Risk Insights – How Employment Status Affects Employers’ Liability Cover

As an owner or manager, you have an obligation and responsibility to provide your employees with a safe working environment. If you do not, it could result in a costly claim. For that reason, review the guidance provided in this Risk Insight.

Cyber Risks & Liability – Cyber Security Glossary

Protecting your company from cyber risks is an ongoing, demanding task. Often, business owners feel overwhelmed when it comes to cyber security because the language used to describe operations and threats is very different from the language of the business world. Consult this glossary for clear definitions of common cyber terms.

Cyber Risk Exposure Scorecard

In recent years, cyber attacks have emerged as one of the most significant threats facing organisations of all sizes. As a result, cyber liability insurance has become an essential component to any risk management programme. Our scorecard can help to determine your organisations level of cyber risk.

News Brief – What Article 50 Means for Businesses

On 29th March, Prime Minister Theresa May triggered Article 50, which formally begins the United Kingdom’s withdrawal process from the EU. But what does Article 50 mean for your business? Read this News Brief for an overview of how your business may be affected and the simple step you can take now to start preparing.

Workplace Health and Safety Guide – Health and Safety Risk Assessments

Employers can use this workplace health and safety guide to create or review their required workplace health and safety risk assessment.

2016 Cyber Security Breaches Survey

The average cost of all breaches over the last 12 months was £3,480 while the most costly breach identified was £3 million. Read our report summarising the 2016 Cyber Security Breaches Survey for the UK, commissioned by the Department for Culture, Media & Sport as part of the National Cyber Security Programme.

Commercial Insurance Pro-File – April 2017

The April Commercial Insurance Pro-File contains beneficial information on how the number of HSE prosecutions against directors has tripled in 2016, outlines five significant legislative changes that are coming into force on 6th April, and explains how the Spring Budget could be good or bad for UK businesses.

Workplace Health and Safety Guide – Lone Working

An employers’ Health and Safety Guide to working alone for your employees, what your legal responsibilities are and what you can do to make sure your staff are safe, and what issues might you face.

Live Well, Work Well – March 2017

In the March edition of the Live Well, Work Well newsletter, you will find beneficial articles on how to eat organic on a budget, why sleeping in a tent could be key to waking up refreshed, and a cautious note to ‘Quick Fixes’ when it comes to your health.

Safety Focused Newsletter March 2017

In this issue of Safety Focused you can find useful information and tips on how to stay safe when you’re working alone, and how having the right soft skills can help with conflict resolution.

HSE Safety Cornerstones – March 2017

The March issue of HSE Safety Cornerstones newsletter provides insight into the increased number of H&S prosecutions against Directors in the year following the new guidelines from the Sentencing Council came into force and the shocking discovery that Half Of Workers don’t know basic H&S Rules.

News Brief – Spring Budget 2017 Highlights

On 8th March, Philip Hammond delivered his first and last Spring Budget to Parliament. Read the highlights, which include increases to NICs for the self-employed, measures to help businesses hit hard by the business rates revaluation, and the already announced increase to the IPT.

Commercial Risk Management – March 2017

The March Commercial Insurance Pro-File contains informative information on UK companies’ top three risks in 2017, guidance on the benefits of choosing bespoke cover over cheaper boilerplate cover, and an update on the mandatory gender pay gap reporting.

HR Brief – Quarter 1 2017

This quarter’s HR Brief Newsletter explains whether you can sack one of your staff for criticising their job on social media and summarises a survey about how 90 per cent of staff still come to work even when they’re sick.

Construction – Commercial Insurance Profile – Quarter 1 2017

The first 2017 issue of the Construction Commercial Insurance Pro-File provides guidance on how to combat rising costs with risk management and an informative article about how half of small projects fail HSE inspections.

Cyber Liability Insurance – Cover Overview

We hear so much these days about the increasing threats of criminal activity that involves the internet, a computer or computer technology. In our Cover Overview we highlight the potential cyber exposures and available insurance cover options.

Employers Liability – Cover Overview

This document provides an overview of compulsory Employers’ Liability cover for businesses and discusses how the premiums are calculated.

Latest News

The Results Are In: Cyber-security Ranks as 2019 Top Organisational Risk

Between the variety of cyber-security concerns that companies faced throughout 2018—including compliance with the recently debuted GDPR, high-profile data breaches and social media privacy scandals, to name a few—it’s no surprise that the European Confederation of Institutes of Internal Auditing’s (ECIIA) Risk in Focus 2019 report found that organisations labelled cyber-security as their greatest risk.

Health and Well-being for Self-employed and Freelance Workers

There are nearly 5 million self-employed people within the UK—that’s 15 per cent of the workforce, according to recent figures from the Office for National Statistics. That’s an increase of 47 per cent more self-employed workers since 2001. And while many may imagine self-employment as a liberating experience, the reality isn’t quite that simple. Despite

HSE News and Prosecutions – November 2018

Waste Company Fined Following Workers’ Injuries in Explosion A waste company has been fined £100,000 and ordered to pay costs of £11,603.14 after two employees suffered burn injuries while processing flammable aerosol containers. The workers were processing aerosol canisters using an industrial plastic shredder. When using a gas-operated forklift to place the canisters into the