Employers’ Liability Insurance The majority of employers in the UK are required to purchase employers’ liability insurance to cover against liability for injury or disease to their employees arising from employment. England, Scotland and Wales Employers’ Liability (Compulsory Insurance) Act 1969 Northern Ireland Employer’s Liability (Defective Equipment and Compulsory Insurance)(Northern …
It has become commonplace for consumers to purchase goods and services with debit or credit cards rather than cash. However, this convenience may not only expose consumers to potential risks, but your business as well. To help protect both your company and your customers, as well as remain compliant, it is critical that your company …
Data security is crucial for all businesses. Customer and client information, payment information, personal files, bank account details—this information is often impossible to replace if lost and is extremely dangerous in the hands of criminals. Data lost due to disasters such as a flood or fire is devastating, but losing it to hackers or a …
You may think that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimised by fraud or theft. Thieves (including your employees) do not need direct access to cash to steal from you—merchandise, supplies and …
Managing your business’ fleet of vehicles—worth anywhere from a few thousand to millions of pounds—can seem like a Herculean task. As a fleet owner, you must ensure your employees are authorised to drive, that each vehicle’s use is covered in your insurance policy and that you can add or remove vehicles from your policy to …
Despite proper risk management practices, even the most successful and prepared organisations can find themselves suffering from the consequences of a legal dispute. And dealing with litigation problems certainly isn’t cheap—whether it be hefty fines and legal representation costs or excess time spent away from the office, such disputes can leave businesses with a broken …
Product liability insurance (PLI) provides solid protection for your business relating to the manufacturing or sale to the public of products, foods, medicines or other items. This cover provides protection against liabilities for losses due to injuries caused by malfunctions or defects in your products – including design defects or a failure to warn consumers …
Product Liability Insurance: Protection for your Business Read More »
As an owner or manager, you have an obligation and responsibility to provide employees with a safe work environment. If you fail to do so, it could result in a current or even former employee filing a claim against you. And claims can be costly—not just financially—but also to your organisation’s reputation. To protect yourself …
How Employee Status Affects Employers’ Liability Cover Read More »
It is important for businesses across a wide variety of industries to understand the UK’s value added tax (VAT) system. While many countries around the world now have VAT systems, the UK’s features a number of different entitlements, rates and exemptions that may make understanding it in full somewhat difficult. Still, it is necessary for …
In an attempt to reduce fraud in the construction industry, there have been radical changes implemented by HMRC that impose rules on the companies that are targeted by the new laws that are very different from how VAT has been collected and reported historically. The onus is now on the customer to pay the VAT …
Check when you must use the VAT reverse charge for building and construction services Read More »
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