Directors’ and Officers’ Insurance (D&O) protects a businesses’ senior staff against a number of insured wrongful acts. In the past, this has been a reliable means of protection for many business directors. However, the landscape of D&O cover is now changing. We take a look at why and what this could mean for your business.
As a country, the UK does get a lot of stick for seemingly coming to a standstill in any kind of cold weather that coasts close to the extreme, and snow is the perfect example. In other countries where six feet of the white stuff is a given at some point during the winter, over
During the Christmas season, many small businesses are at their most vulnerable. There’s not always enough staff present to sufficiently undertake all the tasks that need completing – which is why some things fall by the wayside. To protect your business this holiday season, it’s worth preparing your defences in advance. We take a look
For many, the concept of self-employment may seem liberating, providing you with the unique ability to be your own boss, determine your own hours and potentially complete tasks from the comfort of your sofa. Especially in the digital era, evolving technology and social media capabilities allow people across industries to market their talents to an
Typically referred to as IR35, the Intermediaries Legislation was implemented in 2000 to tackle tax avoidance by contractors who did the work of permanent employees but bill through their services via limited companies. By doing so, such contractors could avoid being taxed in the same way as full-time permanent employees. This similarly benefits the employers
Whether you’re an SME or a global conglomerate, by law you are responsible for your workers’ health and safety and are required to display the employers’ liability certificate for your insurance policy. If an employee tripped over a stray cable in the office and hurt their back or a construction worker employed by your company
When you need more manpower but don’t have the office space to accommodate extra staff members, hiring remote workers could be the way to go. Completing their work from home or another location, they could be short-term freelancers or hired on a permanent basis. But many business owners are still unconvinced by the idea of
There are two main reasons why you should take out employers’ liability insurance: firstly, to avoid your business being wiped out by a substantial claim for compensation by an employee being injured or killed at work. Secondly, you’re almost certainly obliged by law to take out a policy. Businesses without at least £5m of cover
As workplace technology continues to evolve, organisations across industry lines have begun digitising their operations with e-commerce. In fact, recent data found that the UK ranks as one of the top three largest e-commerce markets in the world, totalling over £80 billion in annual online sales. And although offering digital transactions provides numerous benefits—more efficient
In a recent report by the HSE, the most common workplace injuries reported throughout 2018/2019 have been revealed. During this time, 581,000 workers sustained a non-fatal injury according to self-reports from the Labour Force Survey and 69,208 were submitted as RIDDOR reports. In the same period, 147 workers suffered a fatal injury, with the most common cause
