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How the Building Safety Act Relates to Insurance

The Building Safety Act 2022, described by former Housing Secretary Robert Jenrick as a monumental shift in building safety regulation, aims to enhance safety and accountability within the construction industry.

This legislation was enacted in response to the Grenfell Tower tragedy and the subsequent Hackitt Report, which exposed critical deficiencies in building safety oversight.

The Act focuses on residential Higher-Risk Buildings (HRBs), defined as those with at least two residential units and standing over 18 meters or seven stories high, imposing stringent safety standards to protect both the buildings and their occupants.

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What a Labour Government Means for Insurance

With Labour’s recent election win, significant changes are on the horizon for various sectors, including insurance. This blog explores how Labour’s policies might impact car insurance costs, building safety regulations, fraud prevention, AI regulation, housing and rent, and the financial services sector.

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Adapting Insurance Strategies: Enhancing Construction Businesses for a More Insurable Future

In the dynamic landscape of the construction industry, staying ahead means more than just keeping up with technological advancements and regulatory changes—it also involves evolving insurance strategies. Adapting to new trends not only makes construction businesses more resilient but also more insurable. By embracing innovative risk management practices, companies can reduce liability premiums and safeguard their operations for the future.

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Empower Your Business Travel with Aviva’s Comprehensive Insurance: Available through Clarke Williams

Aviva’s business travel insurance isn’t just comprehensive; it’s also incredibly affordable. With coverage starting at only a couple of hundred pounds, businesses of all sizes can access the protection they need without breaking the bank. Whether you’re a small startup or a multinational corporation, Aviva’s insurance solutions are designed to fit your budget and your unique requirements.

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Emerging Risks and Evolving Priorities in Risk Management

As the landscape of risk management continues to evolve, new trends and emerging risks are reshaping the focus of insurers, brokers, and policyholders. According to recent data from RiskSTOP, traditional risk management interventions remain crucial, but there’s a noticeable increase in attention towards addressing emerging risks.
RiskSTOP’s latest report sheds light on the top emerging risks over the past year, alongside the most common risk management interventions.

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Navigating Personal Injury Claims: Insights for Business Owners

When an individual sustains an injury on your business premises or as a result of your business activities, they may seek compensation for their losses through a personal injury claim. This journey typically begins with the injured party consulting a solicitor to assess the merits of their case and explore their legal options.

Once a personal injury claim is initiated against your business, you will be notified by the claimant’s solicitors. This notification triggers a series of steps that both parties must follow to resolve the claim. As a business owner, it’s essential to respond promptly to any communication regarding the claim and cooperate fully with your insurer and legal representatives.

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Visiting Voices – Is it just Banter?

This month’s blog is going to focus on the matter of ‘banter’. Who doesn’t like a good old banter. It lightens up the working day and keeps people smiling. However, the key is to be mindful of what to avoid and when to stop.

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Safeguarding Your Home 3D Printing Venture

In recent years, home 3D printing has surged in popularity, empowering hobbyists, entrepreneurs, and innovators to bring their ideas to life with unprecedented ease and affordability. From crafting personalized trinkets to prototyping innovative products, the possibilities seem limitless. However, amidst the excitement of creation, it’s crucial not to overlook the importance of insurance. Just like any other business or venture, 3D printing carries its own set of risks, making insurance coverage a wise investment.

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Navigating Private Medical Insurance: The Role of Insurance Brokers

In today’s healthcare landscape, private medical insurance offers invaluable peace of mind amid mounting pressures on the National Health Service (NHS). With increasing demand and limited resources, many individuals are turning to private insurance for swifter access to healthcare services. However, navigating the complexities of insurance options can be daunting. That’s where insurance brokers come in, offering expertise and guidance to ensure clients find the most suitable coverage without breaking the bank. But why use a broker, you may ask? Let’s delve into the story of how EEB Ltd assisted a valued client in optimizing their insurance coverage while saving substantial sums in premiums.

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Liability Insurance and Defective Workmanship

In the construction industry, ensuring quality workmanship is paramount. However, when it comes to insurance coverage, defective workmanship often falls outside the scope of protection. Insurance companies commonly exclude coverage for workmanship-related defects, viewing them as inherent risks that contractors should manage themselves.

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Protecting Your Plastic Extrusion Moulding Business

Plastic extrusion moulding businesses play a crucial role in various industries, providing essential components for products ranging from packaging to automotive parts. However, like any other industry, this sector faces its own set of risks. From machinery breakdowns to product liability claims, unforeseen events can disrupt operations and lead to financial losses. That’s where insurance comes in – offering a safety net to protect your business from potential pitfalls. In this blog post, we’ll explore the importance of Plastic Extrusion Moulding Insurance and the types of coverage they should consider.

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Can a business director still be sued for negligence even once a business has been liquidated

In today’s complex corporate landscape, the concept of director’s liability is a critical consideration for individuals serving in directorial roles. The legal framework surrounding director’s duties underscores the importance of maintaining appropriate indemnity and directors and officers insurance coverage. As highlighted in the case of Smith v Eric S Bush & Others [1990] 1 WLR 626, directors can face personal liability even after a company has been dissolved if their actions are deemed negligent or harmful. Therefore, having robust insurance protection in place can offer directors a layer of defense against potential litigation or claims arising from their decisions while in office.

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Can insurance policies be longer than 12 months?

Given the evolving nature of business risks and liabilities, professionals are increasingly looking beyond the standard 12-month policy duration for professional indemnity insurance. The need for extended coverage stems from the desire to safeguard businesses for a longer period, ensuring comprehensive protection against potential claims and lawsuits. This shift prompts professionals to explore alternative options that offer extended policy periods, such as an 18-month duration, to align with their evolving risk management strategies.

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Understanding your Professional Indemnity Insurance Contract

Welcome to our comprehensive guide on understanding your Professional Indemnity Insurance contract. Professional Indemnity Insurance (PII) is a critical safeguard for businesses, providing protection against claims arising from errors, omissions, or negligence in the course of client work. In this blog, we’ll explore key concepts such as the difference between Errors and Omis-sions (E&O) and Civil Liability cover, the claims made basis, retroactive date, coverage limits, legal costs, and more. Through practical examples, we aim to demystify complex insurance termi-nology and empower you to make informed decisions about your coverage. Let’s dive in!

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Jon Weller
Jon Weller
11:56 20 Mar 24
Highly recommend Clarke Williams and especially Scott, who helped me find the best cover for both my construction businesses. Answered all questions promptly and helped explain everything easily. Great Service.
James
James
12:26 29 Feb 24
I received very good service from Clarke Williams and would certainly recommend. Graham was extremely thorough and efficient.
Rachel Gardner-Poole
Rachel Gardner-Poole
17:50 10 Feb 24
I found Scott Williams particularly helpful in getting my insurance setup for my new business.
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