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What is Public Liability Cover?

How much Public Liability cover do you need? All businesses are different, so the level of Indemnity needed will depend upon many different factors including the size of your Turnover, the types of clients you work with and the types of projects worked upon. Public Liability insurance provides cover limits of £1 million, £2 million,…

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An Explanation of Directors and Officers Insurance

Directors and Officers Liability Insurance, also known as D&O Insurance covers the cost of compensation claims made against your business, its Directors, Key Managers, Officers and Trustees for alleged wrongful acts. Why should we take up this cover? The term ‘wrongful acts’ could arise from actual or alleged breach of trust, breach of duty, neglect,…

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Guidance – Tips on Motor Fleet Audit

Large company motor fleets that encompass Heavy Goods Vehicles, Vans and Private Cars (including Cars registered to Directors) usually have cover arranged on a quarterly or half yearly declaration basis. Insurers set the opening fleet premium per vehicle based upon the Motor Insurers Database (M.I.D). Premium adjustments are made at each quarter. Large companies can afford…

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What is Employer’s Liability Insurance?

As an Employer, the health and wellbeing of your employees is paramount. If you purchase Employer’s Liability Insurance Cover, you have the minimal level of protection should one of them get injured or become unwell whilst engaged in your business. They may seek financial compensation as a result. Employer’s Liability is compulsory in law and…

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Bonfire night precautions: Remember, remember to stay safe

Staying safe on Bonfire Night is as important as having fun. Anti-social behaviour associated with the Halloween and firework period has become a major issue for many communities in the UK. Halloween and bonfire night for example, and the days running up to them, are traditionally some of the busiest nights of the year for the police, the fire brigade and other agencies….

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