Custodian Musings

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

‘MenToo’

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. […]

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 […]

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