News Blog

NEWS BLOG

 

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No link between Work-place Stress & CFS

May 2012

The claimant was employed by the defendant as an HR Manager. She alleged that she had suffered work place stress due to working excessive hours and being caught up in a dispute between two senior directors. The stress had weakened her immune system leading her to suffer frequent infections culminating in Chicken Pox, which in turn led to Chronic Fatigue Syndrome (CFS).

The claimant did not return to work after contracting CFS and submitted a £1.25m claim including future loss of earnings until retirement.

The Judge dismissed the claim finding that...more

 

Fraudsters jailed for contrived accident claim

May 2012

The four respondents made claims for vehicle damage and personal injury arising from a motor accident that had not really taken place.

The first two respondents, Mr and Mrs Bashir, had been approached by an acquaintance who offered them a fee to make fraudulent claims. Mrs Bashir’s parents were also drawn into the conspiracy.

The respondents later admitted that the claims were fraudulent and ...more

 

Photocard Licences and Driver CPC - Summary

May 2012

DVLA began issuing photocard style licences to new licence holders in July 1998. These photocard licences also have a paper counterpart on which details of driving offences and other information can be recorded.

The photocard has an expiry date that is usually ten years from the date of issue. At this time the card must be renewed (at a fee) and an up to date photo provided.

Failure by the driver to comply with the submission requirements may result in a fine of up to £1,000...more

 

New Product - Excess Protector Insurance

May 2012

We are pleased to announce the availability of Excess Protector Insurance. This is an innovative, low cost add-on insurance product created to enable policyholders to insure and claim back policy excess - both private and commercial insurances.

This new Excess Protection Policy will but you back in control of your finances as you may choose the level of self insurance (excess) you are comfortable with. This will help you achieve a level of financial participation in the risk that suits your budget.

Examples of where this could be advantageous...more

 

Social Networking Guidance for Employers

May 2012

Over the past decade the use of the internet, social networking sites and blogging sites has increased hugely, with Twitter and Facebook being amongst the most popular sites. A high proportion of employed people have access to the internet at work.

ACAS has recently produced guidance in relation to social networking, offering tips on how to manage the impact of social networking at work.

The guidance has been produced following research from...more

 

Do you understanding Home Insurance?

April 2012

The Association of British Insurers (ABI), have written two independent guides to help you find out whether you are properly insured and to explain what you need to know when you are choosing a buildings or contents insurance policy for your home.

Click here to visit their website...

 

Myth Busters Challenge Panel has been set up by the H&SE

April 2012

Wednesday 11th April 2012 was the launch of a challenge panel which will scrutinise 'risk-averse' or erroneous decisions by non-regulators as another vehicle to bring "common sense" back to health and safety.

The Myth Busters Challenge Panel, set up by the H&SE will look into complaints regarding the advice given by non-regulators and seek to publicise whether this guidance reflects what the law actually requires. The Challenge panel has been created in a direct response to concerns that the reputation of health and safety is being tarnished by 'jobsworths' and cynics as an excuse to prevent essentially safe activities going ahead.

Read on for more and to see the Top 10 Myths...

 

Introduction of new Control of Asbestos Regulations 2012

April 2012

The Control of Asbestos Regulations 2012 (“CAR 2012”) came into force on 6 April 2012, revoking The Control of Asbestos Regulations 2006 (“CAR 2006”).

These changes will affect anyone who owns, occupies, manages, or otherwise has responsibilities for the maintenance and repair of buildings that may contain asbestos.

This amendment is in response to the European Commission’s view that the UK has failed...more

 

The RIDDOR rules are changing

April 2012

RIDDOR (Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 1995), is an important piece of legislation for all industries.

On 6th April 2012, RIDDOR’s over three day injury reporting requirement will change.

From that date, the trigger point will increase from over three days to...more

 

UK Insolvencies: The National Picture

March 2012

Last year saw increased levels of insolvencies across the UK, mainly due to GDP levels remaining below those which had been forecast.

What’s the position in your area – do you know your customers as well as you think?

Click here to find out....

 

Terrorism cover fast becoming an insurance 'must' for business

March 2012

The approaching 2012 London Olympics has focused concerns nationwide about the threat of terrorism. Now is the time to understand how you can protect your business with the right insurance cover

Defence Secretary, Philip Hammond has described this summer’s Olympic and Paralympic Games as "the biggest security challenge this country has faced for decades".

His comments come against a background of concerns about the spiralling costs of policing and safeguarding the Games...more

 

How best to tackle metal theft?

March 2012

With the cost of metal theft to UK businesses reaching an estimated £770m per year, at a total cost to the economy of over £1 billion a year and with more than 1,000 offences taking place every week, we thought it was time to look into this issue.

Insurers are increasingly concerned at the escalating level of losses arising from metal theft, particularly as some claims now total in excess of £1million when associated damage is included.

David Townsend, senior underwriter for commercial property at Aviva, says, “We are seeing a generation ...more

 

The costly business of boundary disputes

March 2012

Even in light of the relatively recent streamlined procedure put forward by the Land Registration Act 2002, problems with title to a property will often result in a costly and long-winded litigation process.

In particular, where title deeds have been lost or where the title is founded upon ‘adverse possession’, disputes over land ownership and position of boundaries can arise.

Defective Title Insurance can protect you...more

 

Manual Lifting and Handling

March 2012

Musculoskeletal disorders (MSDs) have remained the most common cause of work-related ill health in Great Britain for many years, presenting substantial costs to individual sufferers, employers, Insurers and health service providers alike.

A significant proportion of MSDs and back pain result from uncontrolled manual handling, and resulting liability claims continue to feature heavily on the employers liability claims landscape.

In their recent "Issues Forum", QBE have focused specifically on manual lifting ...more

 

Are you fully covered?

February 2012

The parents of a 23-year-old Lancashire woman may face huge medical bills to bring their seriously ill daughter home from Australia. Holly Raper, from Chorley, was badly hurt in a quad bike crash on 30 December doing a year's work experience on a Tasmanian farm.

Her family say her travel insurance company class quad biking as an extreme sport and will not cover costs. To read the full story, please visit the BBC website by clicking here.

Make sure that you are fully aware what is and what isn’t covered by your policy before you travel. For more information on our recommended travel policy, click here.

 

Turning up the heat

January 2012

Heating Oil thefts bring pollution clean-up risks

Big rises in world oil prices have led to increases in thefts from commercial and domestic premises of fuel oils, such as kerosene and diesel. Properties in rural areas can be particularly at risk – Devon and Cornwall Police have reported a doubling of heating oil thefts in the lat year and a recent survey of rural crimes showed it is the number one item stolen in the East of England.

The main target for thieves is fuel stored in ground tanks. Criminals siphon the fuel into containers or even pump it...more

 

If the label fits...

January 2012

Concerns around food labeling recently took a big step toward resolution with the EU passing its Food Information Regulation (FIR). This aims to make package labels simpler for the end consumer to understand.

FIR combines the current rules on general food and nutrition labelling into a single Europe-wide regulation applying to all member states. There will be a transitional period for suppliers to incorporate the changes, with most due by 2014 and nutritional labelling mandatory from 2016.

The headlines are:...more

 

New Compensation limits for Tribunal Claims

January 2012

The government has published the new compensation limits that will come into force from 1st February 2012. These limits apply to certain employment tribunal awards and other amounts payable under employment legislation.

The notable changes are:

- Maximum compensatory award for unfair dismissal will increase from...more

 

Cover may be tightened for basement builds

January 2012

Following two deaths this year related to basement build projects, The Health & Safety Executive (HSE) carried out a series of raids in November aimed at improving relevant working practices.

It is understood that inspectors found that a third of basement construction sites in London, were unsafe. In visits to 109 sites in four boroughs, they issued 76 enforcement notices!

How will insurers react? Well time will tell, but those in the construction industry should focus their attention...more

 

Lofstedt’s Review recommends major reform of Health and Safety Regulation

January 2012

Professor Lofstedt’s review of health and safety regulation was published on 28 November 2011, almost a month later than scheduled. The review, arising from Lord Young’s Common Sense Common Safety report recommends major changes to current regulation.

- Self-employed workers whose activities pose no potential risk of harm to others should be exempt from Health and Safety law

- The Health and Safety Executive (HSE) should review all of its Approved Codes of Practice...more

 

Nearly two-thirds of UK firms hit by bad weather

January 2012

Research conducted by Zurich Insurance has revealed that 64% of UK businesses have suffered disruption as a result of adverse weather.

The recent survey, carried out by the insurer in conjunction with the Business Continuity Institute, the Institute of Purchasing and Supply and DHL, showed that adverse weather is the biggest cause of supply chain disruption in the UK, ahead of unplanned outages of IT or telecoms systems.

As a result of these findings, Zurich has issued a green paper with recommendations for both businesses and government...more

 

Home insurance claims to surge in 2012?

January 2012

Home insurance claims are set to rise in the coming year due to the increased number of events taking place this summer, according to research conducted by Axa Personal Lines.

The Olympics, Euro 2012 and the Diamond Jubilee will mean a surge in the number of people holding events in their own homes, and claims data from Axa shows that family get-togethers and parties increases accidental damage and losses. For example, on New Year’s Day 2011 the insurer experienced a 78% increase in losses.

Axa also warned that clever burglars would be aware of when homes will be empty...more

 

Team Bonding Event not in Course of Employment

January 2012

The claimant suffered a serious brain injury when he fell from his bicycle after colliding with a colleague during a race organised by his employers, as part of a team-building day.

The claimant was not wearing a helmet even though they were available to any participant who wanted one and expert evidence stated that he would have been unlikely to sustain the injuries he had if he had been wearing one. The claimant brought proceedings against his employers alleging breach of both common law and statutory duty.

The judge held that none of the participants in the....more

 

Motorcyclist jumping the queue found to be 80% liable

December 2011

The defendant car driver was in front of a queue of traffic and attempted to turn right into a car park. As he did so, a motorcycle that had overtaken the traffic queue struck his car resulting in the rider being seriously injured.

At first instance, the car driver was found to be one third liable. He had been unable to see the motorcyclist approaching due to a large vehicle behind him and should have moved towards the centre of the road so that he could see any overtaking traffic in his wing mirror before turning.

The motorcyclist was driving at an unsafe speed. He was unable....more

 

Cargo at Rest is Cargo at Risk

December 2011

Following our recent article about the new forms of cargo crime, we now have nine tips for avoiding Cargo Crime

1. Know where your shipment is - Know each movement of your cargo. Know where it should....more

 

Christmas Opening Times

December 2011

Rowlands & Hames' Directors and Staff wish all our clients a very merry, but safe, Christmas and a very happy and prosperous 2012.

To find our our opening hours over the holiday period....Please click here

 

Family jailed over exaggerated claim

December 2011

The claimant Mrs Shah, her husband and 22 year-old daughter were all jailed for contempt of court after signing statements of truth in support of documents they knew to be untrue.

The claimant had brought a grossly exaggerated claim for more than £600,000 and served a number of witness statements in evidence. When the defendant’s insurers Liverpool Victoria, discovered the extent of the exaggeration they successfully applied to the court for the claimant, her husband and daughter to be committed for contempt of court....more

 

Beating the Hi-Viz Highwayman - Goods in Transit & Cargo Claims

December 2011

When Dick Turpin set off to work on a Monday morning with his wife and kids waving at the front door, he probably only needed to take with him his pistol, neckerchief and a decent sized saddle bag. He wasn’t hard to recognize. It was pretty obvious that a man on a horse called Black Bess, blocking the road and pointing a gun at you was not offering a deal on 18th century Breakdown Recovery.

These days “highway robbery” is not so obvious. To follow a career in 21st century cargo crime your wardrobe will require a number of different disguises, knowledge of the cargo business....more

 

Private Sewage transfer

December 2011

You may or may not be aware that as of 1st October 2011 the responsibility of sewerage ownership changed. This will affect how you deal with drainage issues and also whether you can claim under your Insurance policy.

From 1st October 2011, the local Water & Sewerage Company (WaSC) will be taking ownership of any pipes that are outside of the property boundary as well as any that are shared with neighbours....more

 

Winter Freeze Hints and Tips

December 2011

Last year was Britian's coldest winter for 31 years and who can forget the impact of last year's snow and freezing temperatures and the difficulties the weather created for motorists in particular?

Considering the severity of recent British winter weather, now is the time to start thinking of ways we can protect ourselves and our vehicles, and take all necessary measures to stay safe when the weather takes a turn for the worse...more

 

The hidden potential killer

December 2011

A fine of £ 10,000 plus £ 12,759 costs has been imposed on the University of Lincoln after evidence of the existence of asbestos-containing material throughout the University came to light.

It was only by chance that the situation came to light. In February 2010, a lecturer found herself accidentally locked in a room at the University, on freeing herself she had noticed a dusty material which looked...more

 

Rowlands & Hames Risk Management Website

December 2011

Did you know Rowlands & Hames has its own risk management website?

It’s split into four key sectors...more

 

Ghost brokers ripping off thousands of motorists

December 2011

Thousands of drivers could be unknowingly uninsured after purchasing fraudulent or fake cover, according to a BBC report.

Conmen, known in the industry as “ghost brokers”, operate through websites or small ads offering cheap insurance.

They target people on a budget and communities where....more

 

The 12 Days Of Christmas Safety

December 2011

As well as being the season of celebration, the festivities of Christmas can introduce additional hazards to business premises for which the following basic precautions are recommended:

On the 1st day...When buying a natural Christmas tree, select one that is fresh and place it in....more

 

Lofstedt’s Review recommends major reform of Health and Safety Regulation.

December 2011

Professor Lofstedt’s review of health and safety regulation was published on 28 November 2011, almost a month later than scheduled. The review, arising from Lord Young’s ‘Common Sense Common Safety’ report recommends major changes to current regulation

• Self-employed workers whose activities pose no potential risk of harm to others should be exempt from Health and Safety law.....more

 

Speed of service, just when you need it

November 2011

While it is hard to dispute the benefits of buying simple insurance cover online, this ease is somewhat reversed when it comes to needing to amend your details or cover, discuss a problem claim or seek advice on a change of situation.

As we employ technical, knowledgeable and hands-on staff, we are able to respond quickly to our clients’ questions and needs....more

 

Rigorous Records

November 2011

Court decides Injury not caused by repetitive strain.

A recent county court case demonstrates the importance of employers recording and maintaining records of risk assessments and health and safety training....more

 

Wall Designer charged for childs death

November 2011

A man who designed a wall which collapsed on a three year old girl, killing her, has been charged with gross negligence manslaughter. The Crown Prosecution Service (CPS) decided that the designer of the wall, which was also constructed by his company, Parcol Developments Limited, should be charged in relation to the death of Meg Burgess on 26 July 2008 in Prestatyn, Wales.

Parcol Developments Limited, of which the charged man was a director, was also charged with an offence under Section 3 of the Health and Safety Act at Work 1974 which requires all employers to conduct their business in a way that ensures, so far as is reasonably practicable, that others are not exposed to risk.

There are several types of insurance that may help pay defence costs if you or your company were to find itself in the difficult situation of facing prosecution....more

 

Tsunami Shortages

November 2011

In March 2011 the Tsunami in Japan devastated large areas of its North-East coast line, destroying hundreds of lives and thousands of homes. The devastation wiped out large swathes of Japan’s manufacturing industry and energy systems, crippling its infrastructure.

The highly regarded ‘just in time’ supply chain system showed its weaknesses, when months of supplies and parts were lost and capacity to produce them weakened for months afterwards.

Now may be a good time to consider what would happen if a company in your supply chain could not complete its part of a contract due to damage at its premises....more

 

Crash For Cash Update

November 2011

The term ‘crash for cash’ has become well understood due to rings of fraudsters around the country taking advantage of innocent motorists. The fraudster drivers deliberately stop their cars suddenly causing an innocent motorist to crash into their vehicle or two parties may even stage a crash. They will then make excessive personal injury claims for themselves and their passengers. The claims will usually involve whip-lash neck injuries which produce hefty payouts and are difficult to diagnose......more

 

Theft of metal – the risks are growing

November 2011

It’s now well understood in recent years the rise in metal prices has led to thieves stealing lead from church roofs, last year there was concern about the risk of precious metal theft and this year cable theft has made the press.

Nightmare commuters’ journeys are not unusual – but in addition to the usual ‘reasons’ of leaves on the line, too warm, too cold – cable theft has become a common cause for delay.....more

 

The cost of catalytic convertor thefts

November 2011

With precious metals prices now standing at an all time high, coupled with the cost of replacing a catalytic convertor in a private diesel car now standing at about £2,500*, and the continuing rise in diesel models, the theft of catalytic convertors has had an increasing impact on claims costs.

Catalytic convertor thefts can affect anyone who owns a vehicle ....more

 

Now you have an excuse to buy a classic car!

November 2011

With property and the stock market not providing the return on capital that it once did, commodity based investment is becoming a safer gamble in very uncertain times, and what better commodity than a classic car!.

Classic cars have become a genuine way to make money or, at the very least, not to lose any....more

 

Firework Precautions

November 2011

Anti-social behaviour associated with the firework period has become a major issue for many communities in the UK.

Halloween and bonfire night for example, and the days running up to them, are traditionally some of the busiest nights of the year for the police, the fire brigade and other agencies....more

 

Winter Weather Precautions

October 2011

With Winter approaching fast, take appropriate steps now to minimise severe winter weather damage and reduce interruption to your business by following these simple risk management precautions....more

 

Health Warning Over Dirty Office Desks

October 2011

Dirty office desks are harbouring germs which can quickly spread among staff as firms are braced for an outbreak of sickness absence through colds and flu, a report said today.

A study of desks by office supplies firm Viking in hundreds of offices across the country found poor levels of hygiene. Germs were found in almost two-thirds of computer keyboards, while some even had mould growing underneath.

To read the full article, please click here to visit The Independent's website

 

HSE Costs Recovery On The Way

October 2011

The policy of recovering fees for interventions by the HSE has been agreed by the government. The Health and Safety Executive (HSE) is currently accepting submissions in a three month consultation on the proposed cost recovery scheme for health and safety interventions in order to seek views on the best way of implementing that policy. The deadline for consultation responses is 14 October 2011.

Under the proposed scheme, costs would be recovered by the HSE, if during an inspection or investigation a material breach of health and safety law is discovered and identified by an inspector requiring him to write requesting that the breach be rectified.

To read the full article, please click here to visit Berrymans Lace Mawer LLP's website

 

Landlords Fined For Not Buying Insurance

October 2011

The managers of a pub in Chorley have been prosecuted for failing to buy insurance to protect their staff.

Stephen and Karen Martin, of Dudleston Heath, Ellesmere, Shropshire, were each fined £1,200 following an investigation by the Health and Safety Executive (HSE).

South Ribble Magistrates Court heard the couple, who no longer run the pub, employed several people including a manager, a chef, a cleaner and waiting staff... more

 

Travel Angel from Chartis helps employers exercise their duty of care

September 2011

We are now pleased to offer a new service to those clients holding our preferred group business annual multi-trip travel insurance ‘Lifeline Plus’ via Chartis Insurance.

Travel Angel is an e-learning security and situation awareness programme that helps employers to comply with their duty of care to employees who travel on business.

Your Duty of Care

Adhering to the principle of  ‘duty of care’ requires an organisation to take steps to assess, manage and avoid reasonably foreseeable risks to its employees when travelling... more

 

Hidden exposures for contracting firms

September 2011

Construction and contracting firms invariably carry Design & Construction (D&C) Professional Indemnity Insurance (PII). For many disciplines it is compulsory, many clients insist on it, and for all contrcators it is desirable. Frequently contractors who offer no design services at all are being asked to carry professional indemnity. A question they often ask is ‘what risks do I face if I offer no professional services. The answer is that there are some risks:

1. Design alterations: any firm involved in building anything will nearly always need to ‘tweak’ the plans a little in order to make them work. You could call this ‘buildability’ and the problem is that a small alteration here could have a larger knock-on effect, on thus causing a real problem later in the job. A real liability can arise if plans are altered.

2. Design checking services: often firms, formally or informally, double check designs to ensure they work. Failure to do so can lead to a claim.

3. Temporary works: scaffolding, access roads, perimeter fencing, storage facilities are often part and parcel of a contract but are not designed and are left to the contractor. Such works can be expensive and can go wrong leading to further expense and consequential loss.

4. Unsuitability of materials: Contractors may erroneously utilise materials that do not meet the specifications and have not been agreed. This can be very expensive if the materials prove not to be fit for the purpose intended.

5. Duty to warn: a duty to warn the client of any problems or errors that the contractor might become aware of is sometimes included in the contract. Failure to warn when one is aware could lead to a liability and a claim under a PI policy...  more

 

Company directors reduce your life assurance costs and save tax at the time

September 2011

Are you a company director looking to provide life assurance to help provide financial security for your family or a policy to benefit one or more of your employees?

Taking out a Relevant Life Policy could be a tax efficient way of helping to provide the valuable life cover and financial security you want for your family or employees.

Under a Relevant Life Policy the premiums are paid in a more tax efficient way by the company compared to employees paying for their life cover benefits personally.  The good news is, company directors like yourself working day to day in a business on a Pay As You Earn (PAYE) basis, are likely to qualify for this arrangement whereby you could take out life cover to help protect the financial security of ... more

 

The nightmare for consumer product and food manufacturers

September 2011

Product recalls are rare, certainly those that hit the headlines, but when they do happen they present a real threat to everyone in the supply chain, particularly to the manufacturer or ‘own brand’ retailers:  loss of turnover and gross profit, damage to customer confidence, reduction of hard-won retail shelf space, and potential loss of supply contracts.

Consumer goods recalls are on the rise usually as a result of injury, harm from excessive levels of a restricted substance, risk of fire or electrical shock and parts detaching causing choking hazards.

Instances of accidental food contamination occur in the UK regularly, arising from introduction of bacteria, viruses, chemicals and foreign objects, or as a result of formulation errors and mislabelling.

Cosmetics and medicines, whether...  more

 

Commercial Building Warranties (Latent Defects Insurance)

September 2011

Whilst few people would purchase a newly built house without expecting the usual 10 year new building warranty, this can’t be said for the developers and ultimate owners of commercial properties if construction defects are discovered within the first 10 years to 12 years.

Commercial developers and property owners in the UK have historically relied on collateral warranties i.e. legal contracts between themselves and the architects, engineers and other construction firms, holding them responsible for any defects in the first six to twelve years after construction.

The problem being this presupposes the architect or construction firm involved will be traceable or indeed still trading when the defect arises and secondly that they have valid and adequate professional indemnity insurance. Professional Indemnity insurance triggers only at the time of the claim and so it is unlikely.... more

 

The only good client is a paying client

August 2011

In business, there is only one thing that is really important: getting paid. The only ‘good’ client – so the phrase has it – is a paying client.

There are, however, a whole host of reasons for non-payment, some simple, some more complex. Whatever the reasons, and wherever the fault lies, a bad debt could place your business in serious jeopardy. The business world as we know is littered with incidences of spectacular bad debts bringing companies to their knees.

It is estimated that up to 50% of all failures concern... more

 

Abroad on Business? Watch out there's a kidnapper about

August 2011

It may not be as far fetched as you think – regardless of size, whether firms or individuals conduct business internationally or just domestically, they can be a target for kidnapping or extortion.

The high risk industries are obvious – employees in the oil, gas, and mining industries, NGOs, war zone contractors and security firms. Certainly firms with employees either travelling to, or based in, Latin American and the Caribbean, Asia and the Middle East, Eastern Europe and Russia, and Africa should consider Kidnap & Ransom/Extortion insurance. The US suffers and even Western Europe is not immune, with Italy occasionally mentioned.

Kidnap & Ransom (K&R) policies generally provide for ..... more

 

ARCHIVE

How to help Stabilise Premiums
How to help manage fluctuations in insurance premiums

Motor Traders - rule changes
Regulation briefing on rule changes for the Motor Trade

Property Managers & Owners - rule changes
Regulation briefing on rule changes for property managing agents and property owners

Kidnap and Ransom Insurance
Details of the cover and terms available

Latent Defects Insurance Product Information
Details of the cover and terms available

Cyber Liability Product Information
Details of the cover and terms available

Credit Management Insurance
Details of the cover and terms availble

Use of Employee's own vehicles on company business
Summary of the risks involved

Directors and Officers Insurance
Details on the cover and terms availble

Issues relating to Composite Panels in construction
Risk Management.

Issues affecting the Hospitality & Leisure Industry
Risk Management

Residential Structural Defect Warranties
Details on the cover and terms availble

Unoccupied Residential Property
Risk Management

Professional Indemnity for Information Technology firms
Details on the cover and terms availble

Reporting of Professional Indemnity incidents
Advice regarding compliance with policy conditions

Business Continuity planning
Risk Management

Property Owners - Sums Insured
Advice on the implications of VAT and Inflation leading to under insurance for Commercial Property Owners.

Household Demands & Needs
Considerations for householders when insuring domestic property.

Property Management Committess Directors' & Officers' insurance
Protection for directors of residential management companies.

Commercial Legal Expenses
A summary of cover provided together with claims examples.

Winter Weather Precautions
Guidance on the protection of property during the winter months.