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Considerations When Choosing Employers' Liability Limits

Employers’ liability (EL) insurance protects your business from claims of neglect made by the employees who have suffered an injury or ill health due to their work. Unlike most other types of insurance, EL is compulsory. If your business employs workers based in England, Scotland or Wales (including offshore installations or associated structures), your business must carry EL cover to avoid significant fines. By the law, your business is required to carry at least £5 million of EL cover. However, depending on the size and the nature of your business, the minimum......

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pi insurance

Professional indemnity (PI) insurance can cover a broad range of potential risks. Even though things that seem to be small errors can be hugely expensive for you and your business. But with the help of a professional indemnity insurance, it can safeguard your business. Companies that commonly need professional indemnity insurance are; architect firms, recruitment agency, consultancy firms, accounting practices, and much more. But what exactly can PI protect you from? How do you know you are in breach of it? What service do I need to do to get a PI......

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employee fraud

It’s an employer’s worst nightmare – an employee is unhappy with his or her job and decides to defraud or steal from the company. There are plenty of stories about employees committing these crimes and causing enormous damage. By recognising signs of occupational fraud and implementing practices to prevent it, you can lead a happy productive workforce. Fraud Facts Types of fraud include embezzling, insider trading, forging cheques, expense reports and vendor invoices, or any other type of internal. Small businesses are more at risk because owners inherently treat their employees like......

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letting your property

As property owners, there are a lot of things you need to think about. From finding the right people to rent your property or fixing your property if something is wrong. But have you thought of what the liabilities are for letting your property? There are a lot of do’s and don’t when you are letting your property that either cover you legally or covers your personal property. Things To Do When Letting Your Property If you are considering letting your home, consider the following before doing so. Rental Agreement: Drawing up......

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Thinking about insurance

Different insurance policies can provide security cover for you and your business. Ensuring that your business is covered in all areas, regardless of whether you run a cafe or an office, is crucial. But do you know the types of insurance you need to consider? Here are the different types of policies you should be considering for your business. Professional Insurance Professional insurance types cover both the services offered and workers, often categorised into pubic liability and professional indemnity. Public liability covers the business against injury and damage claims made against you......

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