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  • 600+ Business Solutions - Bypass the insurer and settle direct?
    An employee was on a customer’s premises when they accidentally caused some damage. You have insurance but is it better to settle directly with the other business, and are there any risks?
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  • 600+ Business Solutions - Flexible insurance brings savings
    The insurance market is notoriously slow to move with the times, but there have been developments in recent years that could save you money. What are these more flexible insurance options?
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  • 600+ Business Solutions - How to cut the cost of motor cover
    Car insurance for your business is undoubtedly a major expense. But did you know that the way you describe what your staff do for a living can have an impact on the premium paid. What should you do?
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  • 600+ Business Solutions - Where’s your insurance certificate?
    A small company has been fined £726 and ordered to pay prosecution costs of £557 because it wasn’t displaying a valid employers’ liability insurance (ELI) certificate. What must you do by law?
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  • 600+ Business Solutions - Insurance claims denied due to missing documents
    Despite their substantial premiums, many insurers will find reasons not to pay out if a claim is made is on the policy. Can “your documents have not been received by us” be one of them or not?
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  • 600+ Business Solutions - A reminder about employers’ liability insurance
    Following an anonymous complaint to the HSE, a small Manchester-based company has been fined £2,500 for failing to have adequate employers’ liability insurance (ELI). What are the rules?
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  • 600+ Business Solutions - Half would fold if a key person died
    Half would fold if a key person died..Key figures. There are around 4.9 million companies in the UK and 98% of them employ fewer than ten people. However, research released in May 2017 by Legal & General in its “State of the Nation’s SMEs’” report has found that at least 48% of them would have to permanently close down if a key employee became seriously ill or died. This is simply because they don’t have key person insurance (KPI), which is sometimes called key man insurance. Costs. KPI is designed...
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  • Tips & Advice You & Your Business - PPI claims - the end is in sight
    PPI claims - the end is in sight..Mis-selling claims. After nearly ten years and £30 billion in compensation payouts the payment protection insurance (PPI) mis-selling saga is coming to an end. In March 2017 the Financial Conduct Authority (FCA), much to the relief of the banking and insurance industries, set a deadline for making claims. Countdown. The good news is that the deadline isn’t anytime soon. If you haven’t yet checked if you’ve paid PPI in unfair circumstances, you have until 29 August 2019...
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  • 600+ Business Solutions - Does your business need cyber insurance?
    In the last two years alone 66% of small businesses have fallen victim to cybercrime losing £3,000 on average. As this figure is only likely to increase, could cyber insurance be a worthwhile purchase? If so, what does it cover?
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  • 600+ Business Solutions - Supreme Court rules on EL insurance
    Supreme Court rules on EL insurance..Personal liability. In April 2015 we advised you about the ruling in the case of Campbell v Peter Gordon Joiners Ltd & Another 2015 ( yr.16, iss.15, pg.3 , see The next step ). The employee, Campbell (C), who had been injured at work, sued the sole director, Peter Gordon, personally when it transpired that the company didn’t have adequate employers’ liability insurance (ELI). Although C lost his claim at the highest Scottish court he was granted permission to take his...
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