Category Archives: Commercial

health and safety
07 Jun

Average Health and Safety fines rise to £126,000

In 2016-17, the HSE had a 93 per cent conviction rate, with the average penalty costing organisations £126,000. Are your health and safety policies sufficient enough to avoid such a staggering fine? Worse than that, an unsafe working environment can result in injuries to your staff. And, in about 140 cases a year in the

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carer
21 May

What insurance do you need as a carer?

If you work in the care industry, your job revolves around caring for people who can’t care for themselves. Working as a self-employed carer, you’re a vital lifeline for those in need, but your job isn’t without its risks. It’s essential to have the right insurance in place to ensure you can keep doing what

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cyber-attack
17 May

The overlooked non-financial risks of a cyber-attack

More than ever before, organisations are aware of the potential financial impact of a cyber-attack. Many wrongfully assume that the steep, monetary burden of a cyber-attack (exacerbated by new, higher fines under the GDPR) is exclusively tied to damaged digital assets, lost records, and the price of investigating and reporting a breach. While those expenses

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HGV
09 May

Most Efficient Lorries Will Pay Less Tax in 2019

Beginning February 2019, lorries meeting the most recent Euro 6 emissions standards will be eligible for a 10 per cent reduction in the cost of the heavy goods vehicle (HGV) levy. Lorries that don’t meet the latest emissions standards will be expected to pay 20 per cent more in their HGV levy. Currently, the HGV

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self-employed
30 Apr

A guide to becoming self-employed

No more commuting, working the hours you choose and doing something you love: working for yourself is a way of life as well as a job. Nothing beats the freedom of being your own boss, and if it’s something you dream of, here’s how to set yourself up as self-employed. Before you hand in your

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23 Apr

Van ownership: to lease or to buy?

As a sole trader or small business relying on a van (or fleet of vans) for your livelihood, a major decision you’ll need to make is whether to buy a van or lease one. Let’s look at the arguments on each side. Buying a van When you buy a van, the biggest advantage is that

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defensive driving
12 Apr

Defensive driving tips that could save your life

Many jobs require employees to drive a company vehicle. While most drivers are cautious and attentive, accidents can occur without warning—even if the operator has years of experience. When accidents happen, it can be incredibly costly for employers. What’s more, just one accident can cost employees their job or lead to serious, debilitating injuries. One

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05 Apr

What can you learn from KFC?

In February, nearly two-thirds of KFCs across the United Kingdom were closed or offered a limited menu after its new distributor failed to deliver enough chicken on time. With no backup plan for how to get more chicken, customers took to social media to vent their frustrations at the fast-food restaurant chain. While KFC tried

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spring statement 2018
27 Mar

Spring Statement 2018 Highlights

  On 13 March, Philip Hammond, Chancellor of the Exchequer, delivered the Spring Statement 2018 to Parliament. Highlights for Businesses The National Living Wage will rise from £50 to £7.83, and the National Minimum Wage rates will increase as well in April. The government’s plan of increasing the amount of homes by an average of

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health and safety
22 Mar

Public Liability Insurance – Why essential for businesses?

Accidents do happen, from time to time. Having public liability insurance in place helps set your mind at rest, keeping you covered if a customer or member of the public suffers a loss or injury because of your business. What does public liability insurance cover? A comprehensive public and product liability policy provides cover for

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