Custodian Musings

The Insurance Act

The Insurance Act The Insurance Act, a piece of legislation designed to modernise and support the growth of Britain’s insurance industry, received Royal Assent on 12th February 2015, thus making it an Act of Parliament (law). The Act ushers in a more modern regime for the industry by updating the […]

Challenges of the UK Property Market

Challenges Facing the UK Property Market Purchasing property can be a shrewd—but not foolproof—investment. The property market is influenced by supply and demand, availability of credit, and the health of the UK economy—all of which are constantly fluctuating. While some of these challenges can change yearly or even monthly, others […]

Social Security

Social Media Security While the advantages of allowing access to social media sites outweigh the potential hazards for most organisations, social media use does pose a number of security risks for your company. Read on for a list of the most common risks associated with social media use and how […]

Minimum Energy Standards

Minimum Energy Efficiency Standards Are Coming On 1st April 2016, the first phase of the new minimum energy efficiency standards (MEES), found within The Energy Efficiency (Private Rented Property) (England and Wales) Regulations 2015, will come into force for England and Wales. The regulations are part of the government’s strategy […]

Employment Practices Insurance – a useful summary

Employment Practices Liability Insurance: What is it and do you need it? There has been an increase in litigation concerning workplace issues over the past decades, with employment tribunals awarding thousands of pounds for individual claims. This increase in litigation is partially due to employees becoming more aware of their rights […]

Preventing Legionnaires’ Disease

Legionnaires’ disease is a form of walking pneumonia caused by legionella bacteria that is commonly found in the built-in water systems of hotels, hospitals, office buildings, flats and houses. While the fatality rate of those infected ranges between 5 to 30 per cent, the disease is fatal in roughly 50 […]

You don’t have to be wrong

The truth for business people is that, even if they’ve done nothing wrong, they could end up having to defend themselves against a legal claim — and that can be expensive. That’s the reason professionals such as accountants, architects and solicitors are required to have Professional Indemnity (PI) cover. PI […]

Any One Claiming?

Any one claiming? Newcomers to professional indemnity insurance may be a little confused over the difference between two types of policy – ‘any one claim’ and ‘aggregate’. So here’s a helpful explanation. When you take out an any one claim policy, you are covered up to the full limit of […]

Southampton Expo

Join us at Southampton Business Show 2015! Come and join us on stand 73 and see what we have to offer you, at the region’s biggest business to business exhibition taking place at The Ageas Bowl on Thursday 19 November 2015, between 10.00am – 4.00pm. There will be over 1,000 businesses […]

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 […]

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