Custodian Musings

January 16, 2019

Legionnaires’ Disease – what is it, how does it occur and how can insurance help you?

“I’ve never even heard of legionaries’ disease, why does it have anything to do with me?” Legionnaires’ disease is a serious disease caused by legionella bacteria. This is a form of walking pneumonia and is commonly found in the built-in water systems of hotels, hospitals, office buildings, flats and houses. […]

January 10, 2019

Is the consultant a dying breed?

Established thinking says that if you hire a consultant it means they are self-employed.  So you do not have to worry about their tax or national insurance, and they’re not  entitled to the same rights as your other workers. However, times are changing for consultants and the people who employ […]

January 6, 2019

What does it all mean?

So many people requesting Public liability when they really mean Professional Indemnity, Employment Practices Liability when they really mean Employers Liability. I hope this helps. So what are these covers and what do they do? Professional indemnity:  This protects you against your legal liability toward a third party.  So if […]

December 5, 2018

PI Premiums are on the rise – forewarned is forearmed!

There are changes afoot within the professional indemnity insurance market… Much has been made of the Grenfell tragedy which looks set to trigger significant claims and payments within the insurance market. The professional indemnity insurance market has never been fully comfortable with cladding exposures and, unfortunately, the horrific events surrounding […]

November 22, 2018

Reasons why NOT to buy PI Insurance

1. You have a cost effective lawyer on speed dial How convenient! This is something we all wish for but unless you are getting your legal services for free this is not the case. You will never be able to know exactly how much legal services cost in the event […]

October 29, 2018

Why should employers buy employment dispute insurance?

Here are some frequent questions and objections we hear around employment dispute insurance. “It is unlikely that a dispute will occur, so why should I bother with the expense of insurance?” Unfortunately things do go wrong! There is so much to consider when it comes to employment law, such as […]

October 22, 2018

Why should builders have Professional Indemnity Insurance?

In this post we address a number of the reasons that contractors and  sub-contractors in the construction industry may feel they don’t need PI insurance. “Professional indemnity is a waste of money why should I bother with it?” Often construction clients may feel this is the case. However, they may […]

October 17, 2018

Are Technology Firm’s offering a product or service, and does your PI insurance cover both?

Services and products are two areas where we think the differences are obvious, but in terms of your PI Insurance is this really the case? Often it can be confusing when determining whether something is a service or a product. There are many situations where this can be easily identifiable […]

October 9, 2018

A Q&A on collateral warranties

A construction project involves many different parties, and with that comes many differing contracts and responsibilities. What is a collateral warranty? A collateral warranty is a contract whereby a party to an original contract warrants to a third party that it has complied with its contract; therefore essentially extending the […]

September 30, 2018

Demands for flexible working – book early to avoid disappointment!

Although it may feel as though summer has only just ended, Christmas is right around the corner and with this comes the request for more flexible working hours and annual leave from workers. For some businesses, Christmas may be a time where things are quieter and flexible working hours may […]

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