Custodian Musings

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 […]

Tipping point – IT contractors

IT contractors will often enter into contracts for supply of services. A few things to consider to reduce the risk.  Think about the worst!  What might the losses be if you or your customer breach the contract terms. Consider how any terms limiting losses or liabilities could impact either party’s […]

The staff of dreams…

You may use best practice advise  in dealing with a difficult employee  situation. But what if that employee still wants to bring a claim against their employer.  What then? Answer: Your client can buy Employment Practices Insurance to protect them. We are an underwriting agency which is able to offer employers […]

Practice Manager

One of our architectural contacts is relocating to London and looking for a similar role. Linkedin profile:  uk.linkedin.com/pub/laura-steel/46/187/1a7/ If you are interested in making contact with her then please contact us on 020 7648 4343 or email us at info@custodianinsurance.co.uk and we will introduce you.  

Well staffed or well stuffed!

…we always hope that our staff are our biggest asset.  But they can turn into our biggest liability, if employer/employee relations break down and they bring a claim against you in the Employment Tribunal. How much could an unfair dismissal claim cost if it went to the Employment Tribunal? An […]

We’d love you to stay in touch with us in whichever way you prefer