As the law doesn’t provide a definition, it can be difficult to determine whether a sub-contractor status is bona-fide or labour only and you need to clarify this to ensure you have the correct insurance for your business. If a sub-contractor is a labour-only sub-contractor (LOSC), then you need Employers’ Liability Insurance to cover them….

Date posted: September 20, 2018 | Author: | No Comments »

Categories: Insurance Tips Payroll and Accounting Tips

Directors & Officers Liability insurance is probably one of the least well understood types of insurance available to organisations. Directors & Officers liability insurance is designed to cover the cost of compensation claims made against your business’s directors and key employees/managers (officers) for alleged wrongful acts. Some reasons as to why you may need D…

Date posted: August 24, 2018 | Author: | No Comments »

Categories: Insurance Tips

As you probably already know, Airbnb can be a way to make a little extra money by turning your home into a mini hotel by putting up guests for a night or two. However, you should be aware that in doing so you could actually risk invalidating your home insurance policy or if you haven’t…

Date posted: July 27, 2018 | Author: | No Comments »

Categories: Insurance Tips

Holiday time is upon us and for those travelling abroad it is worth remembering why travel insurance can be vitally important. Accidents and incidents happen all the time, even when we are enjoying a well-earned break abroad. Travel insurance is there to provide cover for Cancellation Medical Expenses Personal Accident Curtailment Lost passport or tickets…

Date posted: June 15, 2018 | Author: | No Comments »

Categories: Insurance Tips

Equipment liabilities Businesses of all sizes will periodically need to have their equipment  inspected to comply with the various health and safety laws that exist. This can range from simple office equipment PAT testing to large engineering plant and machinery testing. If laws are not complied with, large fines could be levied and, in extreme…

Date posted: May 4, 2018 | Author: | No Comments »

Categories: Insurance Tips

Depending on what business your company carries out, the Business Interruption section of your insurance policy could, perhaps, be the most important. It could take months following, say a fire, before a damaged property is rebuilt. Then there is the stock to be replaced as well as machinery or equipment being repaired or replaced. Without…

Date posted: March 9, 2018 | Author: | No Comments »

Categories: Insurance Tips

If you are looking to extend your home, you need to take note…… With it feeling as if Christmas was months ago and the weather, hopefully, looking to improve from Spring into Summer, many people turn their thoughts to home improvements or, perhaps, looking at an extension their existing dwelling. However, what many homeowners don’t…

Date posted: February 9, 2018 | Author: | No Comments »

Categories: Insurance Tips

Is Employers’ liability insurance necessary for the people who work for me? You are only required by law to have employers’ liability insurance for people who you employ under a contract of service or apprenticeship. Whether or not you need employers’ liability insurance for someone who works for you depends on the terms of your…

Date posted: January 12, 2018 | Author: | No Comments »

Categories: Insurance Tips