Custodian Musings

Does the past help us predict the future?

Many times as an underwriter I’ve looked at past claims patterns and modelled them to predict future trends. This seems sensible on the face of it. Why then when businesses look back on their past impeccable claims record do I feel increasingly uncomfortable? The reason isn’t that I’m a prophet […]

A timely post for employers

You might think that the work cultures promoting excessively long hours went out of fashion with red braces, shoulder pads, bankers and red meat. But perhaps this is not entirely the case… Did you know that UK workers are most likely to bring an employment claim against their employer for […]

Women sacked for self-isolating

Women sacked for self-isolating! Yes, its true. A shop worker with Type 1 diabetes was sacked for self-isolating at the start of the Covid-19 pandemic and has been awarded a £7,000 payout at an Employment Tribunal. It was unanimously agreed that she was unfairly dismissed and the deductions from her […]

Right year to buy Employment Dispute Insurance

In April we were required to stay at home and only go out for 1 hours exercise. Schools shut. Most businesses were told to close or work from home. All pubs, restaurants and cafes were closed. In August we were told that the government would pick up half of our […]

Sexual orientation discrimination

Sexual orientation discrimination claims are on the increase. Sorry to disappoint! When comparing 2015-2016 to 2019-2020 we can see that sexual orientation discrimination claims have increased by 165%. That’s a big increase. So are we becoming older and more bigoted? I would suggest not. In some ways it points to […]

June 3, 2020

COVID Insurance Risks to Accountants

In a time of great uncertainty, one thing we can say is that the risks of claims and regulatory investigations will not decrease for your industry. Having said that, although there will be difficult times, we are not predicting Armageddon for the accountancy sector. In fact, there will be some […]

May 27, 2020

COVID Insurance Risks to Surveyors, Valuers and Property Professionals

In January, many professionals were talking up the market, buoyed by the so-called Boris Bounce and predicting something of a cross-sector surge as pent-up demand came to the fore. How swiftly things can change. The main players in the residential sector are facing a catastrophic collapse in activity. Although technology […]

May 20, 2020

COVID Insurance Risks to Information Technology Professionals

The COVID-19 pandemic has put technology firmly in the spotlight. Insurers are likely to see an increase in claims and contractual disputes involving IT professionals. Increased demand for home working may reveal weaknesses in IT systems leading to an increase in claims.   Huge numbers of people are now working […]

May 15, 2020

COVID Insurance Risks to Construction Professionals

Despite the construction industry’s exemption from Government lockdown, many contractors took the difficult decision to stop work on 23 March 2020 as a result of the COVID-19 pandemic. With approximately 3.3 million people employed in the UK’s construction sector, the success of your industry is clearly critical to the UK’s […]

November 12, 2019

Employment Rights and Brexit – where do our rights come from and what do we need to know?

Employment Rights are something we are all aware of. Minimum wage, holiday pay, maternity and paternity leave… But where do these rights come from and will things change post Brexit? Certain rights have been around for hundreds of years. For example, the Factory Act 1833 prohibited employment of children under […]

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