What We Do For You
Being part of a Professional Services Industry, we pride ourselves on being able to provide the most appropriate service to our clients.
As a professional insurance advisor, we take our duties very seriously and expect to give only the highest levels of independent professional advice in all our business dealings with you.
We aim to create long standing business relationships with our clients. These will be forged because we can demonstrate we have the appropriate range of skills, expertise and experience to advise you on the risks facing your business, in what is an increasingly regulated and litigious society.........
Flood Warning
The memories of the 2007 summer floods are still raw.
Hopefully, as you’re reading this, the sun’s hot rays are bouncing off your desk and a welcome breeze is drifting through the open window, bringing with it the sounds and smells of summer – think barbecues and freshly mown grass. Sadly, we can’t take a long hot summer for granted. Changing weather patterns are well documented, with most scientific opinion suggesting that the U.K. will see an increased frequency of extreme weather, including intense rainfall........
Age Discrimination
A 19-year-old woman who claimed that she was sacked for being too young has been awarded more than £16,000 in compensation after winning a ground-breaking case against her former employer.
A recent study* has revealed that ageism remains rife in the workplace, despite the introduction of age discrimination legislation in 2006 making it unlawful to discriminate against workers on the grounds of age. According to the survey, one in five retirees has experienced pressure from their employer to leave their job........
Trade Credit Insurance
A glazing company was hit by a number of bad debts, which had a potentially catastrophic impact on their cash fl ow. Fortunately, they had credit insurance and were able to claim under it.
Trade credit insurance can literally save the life of a company, providing 80% - 100% cover against the non payment of commercial debts due to customer insolvency or various political risks. The company chooses whether to insure its export ledger, U.K. ledger, top accounts, selected markets/ buyers or any combination of these........
Professional Indemnity
WHAT CAN GO WRONG?
Funeral Director: A funeral director forgot to remove the rings
from a dead client who was subsequently cremated. - £25,000
Safety Consultant: A man was injured when he fell from
scaffolding approved by the insured. £75,000
Business, like life, doesn’t always go to plan. No matter how well managed your company is, things can sometimes still go wrong. Even the most reputable company can find itself in a dispute with a client over a mistake. How can you protect the business you have worked so hard to build up? Professional Indemnity insurance covers your business in the event that legal action is taken against you by a dissatisfied client, claiming to have suffered a loss as a result of advice you have given in a professional capacity........
Keep Certificates Safe
Poor management can lead to increased costs and reputational damage.
As an employer, you are legally obliged to keep copies of Employers Liability (EL) certificates for 40 years. This is intended to protect victims of industrial injury or disease whose condition may not develop until many years later and was introduced because some employees were held back from seeking compensation as they couldn’t trace the insurance policy their employer held at the relevant time.....
Read the full articles in issue 14 of Covernotes, the informative newsletter brought to you by Coleman Insurance Brokers.
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Issue 14 of Covernotes |
