I just recently had one of those holidays, you know the sort where you look forward to returning to work. Grey skies and a photo that tormented me for three whole days, yes my new work PC had arrived. The office manager thought it would be thoughtful to send me a picture of it sat longingly on my desk while I was 200 miles away.
I returned to a mountain of reports I needed to get done, and the PC just sat there, teasing me. I took it and stuck it under my desk determined to get my reports done first.
Liverpool's Merseyside for many is synonymous with great music and top talent. Merseyside and music just go hand in hand especially for the generation that grew up in the 60s, ask anyone to name a singer from that era, and you'll hear Cilla Black, The Beatles, Gerry and the Pacemakers just to name a few. Back in the 60's entrance to the famous Cavern Club was one Shilling and sixpence. For younger readers that's 18p, but a pound back then had 240 pennies, simply put you could go to the Cavern Club, watch the Beatles and get in a round of drinks for you and your mates for £1.
Stop! Before you read further, it would be a good idea to go and grab your Liability insurance documents. Why? Well, because together we are going to check something important. Recently our brokers, while talking to roofing contractors like yourself, have found many are unaware of important conditions in their policies concerning working with heat.
Business insurance doesn't work like arranging personal lines insurance such as your car, house or travel. Brokers and advisers need time to prepare a proposal, and then they will negotiate with underwriters and insurers to obtain the best policy for you the client. Many small businesses today leave getting a quote until the last minute, and while this is often okay for some trades for others, it can be very costly.
I don't know about you but me personally I hate driving around in a dustbin. Regardless of your level of slobbishness, it's important to keep your car clean. However, paying for a detailer to make it pristine can be a costly affair, at the same time doing it yourself can also be expensive not to mention taking up your precious time.
Ageas’ Rob Hopkins explains why the Enterprise Act can be a positive for the insurance sector. Enterprise Act Article from Insurance Age
We have seen a real change in the regulatory sphere in the last two years.
The Insurance Act introduced in 2015 and its last year’s amendment, The Enterprise Act 2016, which came into force on 4 May this year, has meant that some insurers and brokers have really needed to explore the impact of these changes on their businesses and, ultimately, their customers.
Liability insurance is a necessity for your construction business. Ensure you purchase the right levels of cover, from the right agency.
If you manage a construction business, you will require liability insurance in the form of public and employers (if you employ someone) to protect you, your company and your employees. Liability insurance protects your company from financial loss resulting from a claim being made against your business and it also ensures, in the case of employers' liability, that you meet your companies legal obligations.
Rising insurance costs is not the news most high-risk businesses want to hear, however, 2017 will not only see premiums rise but also insurance premium tax which is yet again being raised by another 2% taking IPT to 12%. No business, especially those that work hard to keep their claims history clean, deserves to have to pay more. At FML insurance we thought about ways we could help our clients obtain the correct cover they need whilst not paying more year after year, so we came up with 2 solutions.