Category Archives: Commercial

HGV
09 Nov

Testing Exemption for HGVs to change

As part of its continued effort to improve driver safety, the Department for Transport (DfT) will revise which heavy goods vehicles (HGVs) will be able to retain their plating and testing exemption. Beginning on 20 May 2018, based upon their chassis, certain HGVs will have to complete roadworthiness testing. If you own or operate an

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D&Os
02 Nov

Survey Highlights Risks Facing Directors & Officers

Over the last several years, UK regulations have expanded the scope of directors and officers (D&O) liability and that trend shows no signs of stopping, according to a recent survey from international law firm Allen & Overy. According to the survey, D&Os are exposed to a higher amount of personal liability than ever before. Since

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D&Os
25 Oct

How GDPR Will Expand Your D&O Liability

The forthcoming GDPR may place greater responsibility on your organisation’s directors and officers, and, for that reason, it is important to take proactive steps now to prepare. On 25 May 2018, the General Data Protection Regulation (GDPR) comes into effect, which expands the rights of individuals and their data while placing greater obligations on organisations

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HMO
06 Oct

HMO insurance – what you need to consider

As a landlord, if you let your property to several tenants who aren’t members of the same family, it may be a ‘House in Multiple Occupation’ (HMO). Houses in Multiple Occupation (HMOs) are a special type of rental property in which the facilities are shared by separate households  Your property is an HMO if both of the following

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yahoo
05 Oct

All 3 billion users were affected by Yahoo Cyber Breach

Yahoo! has indicated that significantly more people may have been affected by the data breach reported last December than first thought and that all user accounts may have been affected by the August 2013 theft. That’s all three billion user accounts and up from the one billion figure Yahoo initially reported. Since disclosing the hack,

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cyber-breach
19 Sep

How to protect your company from a cyber-breach

About 400,000 people in the UK may have had their information stolen following a cyber-breach at the credit monitoring firm Equifax. The US company said an investigation had revealed that a file containing UK consumer information “may potentially have been accessed”. The data includes names, dates of birth, email addresses and telephone numbers, but does

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flooding
13 Sep

How to protect your business from flooding this winter

According to the BBC website, Aileen, the first named storm this season, brought heavy rain and high winds on Tuesday night, affecting rail services and leaving thousands without power. The Met Office said gusts of 74mph hit Mumbles Head in south Wales, with southern parts of northern England and the north Midlands also badly affected. Although predicting how

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squatters
06 Sep

Protecting your commercial property from squatters

Squatting in unoccupied residential buildings in England and Wales is a criminal offence, however this does not include commercial properties. The police can only take action if squatters commit other crimes when entering or staying in a property. Crimes include: causing damage when entering the property causing damage while in the property not leaving when

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business insurance
24 Aug

How SMEs can avoid being underinsured

Insurance companies base their premiums on, among other things, the value of the risk they are insuring which is usually based on the information a policyholder provides. If, at the time of a claim, this amount is found to be lower than the assessed value at the time of the loss then the insurers may

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