Category Archives: Commercial

26 Feb

Common applications may expose companies to data breaches

It may seem that common applications such as Word and Excel are intuitive enough not to generate a data breach by inadvertently hiding sensitive data. Yet, the government’s 2015 Information Breaches Survey revealed that 50 per cent of all data breaches were caused by inadvertent human errors. Each of these breaches cost those companies, on

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19 Feb

Are you ready for the changes in the energy act?

On 1st April 2016, the first phase of the new minimum energy efficiency standards (MEES), found within The Energy Efficiency (Private Rented Property) (England and Wales) Regulations 2015, will come into force for England and Wales. The regulations are part of the government’s strategy to improve the energy efficiency of rented commercial and residential buildings.

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12 Feb

Social media – liabilities and risks

The Internet is full of legal concerns and social media is no exception. Even if your company does not participate in social media, your employees undoubtedly use it on their own time, creating potential liabilities. For companies that do engage in social media, various risks should be considered—from who owns a Twitter handle and followers

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04 Feb

9 tips for staying focused on the road

According to Brake, the road safety charity, an estimated 22% of crashes could be caused, at least in part, by driver distraction. Distracted driving can have dangerous consequences. It is a particular risk when you drive a lot for your job as focusing on your mobile and work interruptions mean a decreased awareness of surrounding traffic, a sense of

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21 Jan

Cyber Risks & Liabilities

Cyber Security: From IT to the C-Suite A 2015 government survey revealed that an estimated 90 per cent of large organisations and 74 per cent of SMEs had suffered a cyber attack within the past year. The average cost of an attack varied widely—from £115,000 to £1.46 million—depending on the size of the organisation and

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14 Jan

HSE Safety Cornerstones – Jan 2016

Health and Safety Fines Set to Rise Dramatically Starting 1st February 2016, new guidelines from the Sentencing Council will dramatically increase fines for corporate manslaughter, food safety and hygiene offences, and health and safety offences. This will apply to any applicable sentence handed down on or after that date, regardless of when the offence was

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08 Jan

Commercial Insurance News – January 2016

In this issue: 2015 Autumn Statement Highlights Review six highlights from Chancellor Osborne’s 2015 Autumn Statement. Familiarise Yourself with the New National Living Wage A compulsory national living wage will come into force April 2016. Read about what this means for you and your business. 6 National Minimum Wage Traps While the national minimum wage

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10 Dec

Top 10 Ways to Control Your Employers’ Liability Costs

Insurers are likely to analyse your claims history when underwriting your employers’ liability premium. If you can help control your claims, you can lower your price — so we’ve gathered top tips to help you achieve this. 1. Investigate accidents immediately and thoroughly; take corrective action to eliminate hazards, and be aware of fraud. 2.

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03 Dec

Commercial Identity Theft

According to the UK’s Fraud Prevention Service (CIFAS), identity theft is one of the fastest growing crimes in the United Kingdom today. Identity thieves use countless avenues to access personal information, so staying ahead of them takes a commitment to security. Because businesses handle sensitive customer information, they have a responsibility to protect that information.

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