Motorists: Watch out for ‘Ghost Brokers’
We wanted to warn motorists about the latest scam on the road: ‘ghost brokers’ who are targeting young motorists with fake insurance policies. These bogus insurance brokers will usually prey on the likes of new, young drivers: those traditionally faced with the highest premiums. The policies are offered at eye-catchingly low rates. Follow this advice to avoid ghost brokers and find out what to do if you think you've been scammed.
Health and Safety and Insurance: Some Useful Advice
The Health and Safety at Work etc. Act 1974 requires every employer to ensure, so far as is reasonably practicable, the health and safety of employees, as well as any non-employee on the premises or at the site of work, such as visitors or passers-by. To reduce health and safety risk and avoid claims you should be constantly bolstering your chances of defending a claim should one be made. Here's how.
Freelancers: Protect Yourself with Professional Indemnity Insurance
Being a freelancer has many benefits: freedom; control over what you do and when you work and the chance to earn a living doing what you enjoy. It does, however, carry risks too. When you offer a service of a specific nature, or advertise yourself as a specialist or a consultant, you owe a duty of care to anyone who relies on you to provide them with advice or services. Thankfully, there is a way to protect yourself - with professional indemnity insurance.
Tree Down: Will My Insurance Cover Tree Removal and Damage Repair After a Storm?
The high winds that swept through the south of England in the wake of hurricane Jude at the end of October left a real trail of destruction, much of which involved fallen trees. We hope you escaped sustaining any damage to your property this time around, but you may be wondering where you stand from an insurance point of view should a tree come down on your land. The truth is it can vary depending on your particular policy, and on the circumstances surrounding the fall. Here’s a rundown of what you may and may not be covered for.
Bona Fide or Labour Only Subcontractors: Why Getting it Right is Vital for Insurance Purposes
We are becoming increasingly concerned by the assumption by clients that, because their subcontractors hold their own insurance, they are regarded as ‘bona fide’. Insurers see bona fide subcontractors as only a contingent risk because, in taking on a job, they are bearing the public or product liability risk themselves, and so the cost of insurance is lower. On the other side of the coin, with ‘labour only’ subcontractors, insurers take on the full risk of public, product and employer’s liability.
Running a Business from Home? Check You’re Insured.
Recent research has revealed that one in six Britons runs an online retail business from home, with 75 per cent using their domestic dwelling to store their stock. Unfortunately, research also reveals that arranging insurance doesn’t rank too highly on a home-run business owner’s to-do list, with many assuming their home contents insurance will cover their stock or equipment. But it’s an assumption that could cost them dear, because failing to tell a home insurer that you run a business from home could invalidate a claim.