Custodian Musings

September 18, 2019

Mistakes NOT to make with your PI Insurance: the ticking clock

Your PI Insurance has your back. But no relationship is a one-way stream. That’s why your insurance needs certain favours in return for the cover they provide. So,in the event of a potential claim you need to help your PI Insurance out as much as possible. Take a look at […]

August 9, 2019

Last year, the BBC launched its 50:50 challenge, aiming to positively rebalance the number of female expert contributors on-air and online.

Just one year on, the BBC has seen female representation more than double. Gender inequality is still present in the UK. The Royal Statistical Society found that around 95 per cent of receptionists, legal secretaries and care assistants are female in the UK, while 85 per cent of investment bankers […]

July 9, 2019

Why is professional indemnity becoming so expensive?

It is easy to look at professional indemnity renewal prices and start frothing at the mouth: “Why has my broker failed to get me a decent price?” “Why are insurance providers pushing up the price for no reason?” “My business hasn’t changed – why has the premium?” All reasonable questions. […]

June 25, 2019

Setting the scene

You will probably be aware that in 2017  fees for bringing Employment Tribunal claims were abolished.  So it is now very easy both financially and logistically to bring an employment claim against an employer. Below has seen the direct impact of this change with Employment tribunal applications increasing year on […]

April 25, 2019

Restrictive Covenants: Everything SMEs need to know

Nathan’s situation Nathan runs a well-known patisserie in the town of Guildford known as ‘Nat’s Pat’. He has been very concerned about one of his employees recently. This particular employee, Susan, has been turning up to work late, bullying other employees and constantly slacking. As employers I am sure you […]

April 11, 2019

Employment: Heads of agreement – what are they and are they needed?

A common misconception is that the only document an employee is entitled to when taking up employment is an employment contract. In fact most employees are also entitled to a written statement of terms (sometimes known as ‘heads of terms’) no later than two months after they start work. What […]

February 12, 2019


So what is the ‘me too’ movement? On the 15th October 2017 American actress Alyssa Milano tweeted “If you’ve been sexually harassed or assaulted write ‘me too’ as a reply to this tweet.” Following this she woke up to thousands of replies and found that her tweet was trending on […]

January 30, 2019

What can the terrors of Brexit teach?

There is only one ‘t’ before ‘errors’ turn into ‘terrors’. Some would say that the errors of Brexit have now taken us into the terror zone. The whole Brexit thing can also provide parallels in running a business.  There are people involved, deadlines to be met and important decisions to […]

January 22, 2019

Are Technology Firms offering a product or service, and does PI insurance cover both?

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 and some situations where it may not. For example, if you were to attend a hairdressing salon the hairdresser who is cutting your hair will […]

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. […]

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