Category Archives: Commercial

motor trade insurance
03 Oct

Motor trade insurance – why it’s important

If you work in the motor trade, vehicles are at the heart of your business. Motor trade insurance is vital. There were a record number of new car registrations in 2015, and demand for new cars is 3.2 per cent higher in the first half of 2016 than this time last year, according to the

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small businesses
28 Sep

Small businesses could face new tax fines

HM Revenue and Customs (HMRC) are considering proposals that may lead to a tripling in fines for small businesses that fail to pay their taxes on time. It could result in the introduction of a sliding scale fine system, increasing the maximum penalty from five per cent of outstanding tax bills to as much as 15 per

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Charities blog
23 Sep

5 ways the Charities Act may affect your charity

The Charities (Protection and Social Investment) Act 2016 was given Royal Assent, and therefore became law, in March of this year. Its provisions are being enforced through a three-phase process, with the first beginning in June of this year and the other two phases occurring in October 2016 and April 2017. As this gets underway, here are five

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08 Sep

Get involved in gas safety week

Gas Safety Week will take place from 19th to 25th September and is intended to help raise awareness about the dangers of carbon monoxide. Carbon monoxide is an odourless, tasteless and colourless gas that sends about 4,000 Britons to A&E, 200 to hospital, and causes 50 deaths annually, according to government statistics. Regardless of your

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01 Sep

Cyber security is not a priority for a majority of businesses

According to a quarterly survey from the merchant banking group, Close Brothers, 63 per cent of UK companies have chosen not to invest in better cyber security over the next 12 months, despite the fact that nearly that same amount are concerned about being victims of cyber crime. The decision to forego cyber defences is especially

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pub insurance
18 Aug

Pub insurance – what you need to know

Licensed trades like pubs and nightclubs operate within a strict regulatory environment, which can make buying insurance complex. Many insurers don’t offer pub insurance at all and others apply onerous terms and conditions. However, due to the nature of your clientele and manner of operation — long hours, late closing times, crowded premises and drunken customers

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landlords' insurance
11 Aug

Landlords’ insurance – the importance of proper cover

As a residential landlord, you have a variety of obligations. These include keeping rental properties safe and free from hazards, ensuring all supplied gas and electrical equipment is properly installed and maintained, complying with fire safety regulations, providing an Energy Performance Certificate as well as a number of financial and legal requirements such as having

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01 Aug

You and the Insurance Act 2015

• The Insurance Act goes into effect on 12th August 2016 and affects all commercial insurance policies governed by UK law. • The Act introduces a new ‘duty of fair presentation’, requiring insureds to capture more knowledge from more people in their organisations. Many industry insiders are hailing the Insurance Act as the most significant change to

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26 Jul

Construction Site Safety Inspections

Construction is one of the most dangerous industries in the United Kingdom. According to statistics from the Health and Safety Executive (HSE), in 2015-16, construction injuries accounted for over 18 per cent of all fatal injuries in the workplace and roughly 10 per cent of all reported major injuries. HSE inspectors have the right to

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14 Jul

Taking time off: can your business survive your holiday?

The stereotype of the overworked and underpaid business owner or manager is no myth—it is firmly grounded in reality. Lengthy working weeks with little to no respite is the norm. And while many business owners and managers think they can handle the stress and weighty responsibility without a rest, neglecting to take a break from

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