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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 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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Why Blanket Home Insurance Policies May Not Be the Best Option for Covering Property and Valuables

Policyholders have witnessed firsthand the repercussions of this mismatch between coverage and actual rebuilding costs. Instances have arisen where insurers have threatened to cancel policies and reject claims because the rebuild cost exceeded the coverage provided by the blanket policy.
The problem lies in the fact that £1m, once considered a substantial sum for buildings cover, no longer guarantees comprehensive protection. Rising rebuild costs demand a reassessment of insurance coverage to ensure homeowners are adequately safeguarded against potential losses.

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“I’m Covered Under My Client’s Insurance Policy”: The Dangers of a Half Truth for Clients and Subcontractor

In the world of business, especially in sectors like consulting or contracting, the issue of insurance coverage can sometimes lead to misunderstandings or misinterpretations.
One common misconception that comes up more frequently than others is the belief that being covered under a client’s insurance policy provides comprehensive protection against all liabilities. However, this notion, while partially true, can conceal significant risks and pitfalls if not fully understood.

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Business Interruption Gross Profit Insurance – Ensuring Adequate Coverage

Business Interruption Insurance functions to replace income until all interruptions from the insured event have ceased. It should encompass all costs associated with running the business to compensate for lost income during the period when the business is unable to trade. Even if the business can operate on a reduced basis after an event, Business Interruption coverage continues to provide support, covering the reduction in income until full operation is restored as if the insured event had never occurred.

Business Interruption insurance arranged on a Gross Profit basis is crucial for replacing lost income following an insured event. The choice of the right insurance basis is paramount to avoid complications during a claim, safeguarding the future of your business.

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Visiting Voices – The Importance of Manual Handling in 2024

Improving the management of manual handling in construction has been the latest area of focus for the HSE. HSE Inspectors have been carrying out site inspections during the latter part of this year, looking for evidence that both employers and workers know the risks from poor manual handling and are planning their work to eliminate or substitute the risks where possible.

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Visiting Voices – The Reluctance Factor by Unlimited Potential

Anyone who has been in a position of managing others will probably be familiar with procrastination and its effects. A task is boring or unpleasant, mundane or tedious, and something else is potentially more interesting or exciting, and so the boring task is sidelined in favour of the more interesting one; often meaning that vital – but intrinsically dull – tasks are left undone or are allowed to run close to or over deadlines, while staff choose to spend time on things which may be fun, but might not actually add to productivity or profit.

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Visiting Voices – From Does to Manager by Unlimited Potential

When you start a business and work within it, either alone or alongside your employees, you are a doer, and you do whatever is needed to allow your business to succeed and prosper.
If the business does indeed prosper then it will grow, and there will be a need for more people to work alongside you.

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Protecting Your Vehicle: The Rising Challenge of Car Thefts in the South East

In recent times, the South East of England has experienced a concerning surge in vehicle thefts, shedding light on the need for robust insurance coverage for car owners in the region. Data from the Office for National Statistics (ONS) and AA Insurance Services have revealed a staggering 24.9 percent increase in vehicle thefts in 2022 compared to the previous year, resulting in over 130,000 stolen vehicles nationwide.

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Directors and Officers Insurance for Residents Associations

Directors and Officers of Residents Associations shoulder significant responsibilities. While experienced property owners might initially consider making decisions on behalf of a block of flats a straightforward task, even a minor oversight or error can result in a costly lawsuit personally directed at you. Your personal liability extends not only to the decisions you’ve made but also to those you should have made but didn’t (known as a negligent omission). Additionally, you can be held responsible for decisions made by other directors.

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Commercial Lines Broker of the Year

Clarke Williams has been awarded the prestigious title of Commercial Lines Insurance Broker of the Year at the 2023 Insurance Innovation Awards.
This accomplishment is a true testament to our unwavering commitment to excellence in the insurance industry.

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Breaking News: Clarke Williams Shortlisted for Commercial Lines Broker of the Year at Broker Innovation Awards 2023!

We are thrilled to share the exciting news that Clarke Williams has been shortlisted as a finalist in the prestigious Commercial Lines Broker of the Year category at the upcoming Broker Innovation Awards 2023. This recognition is a testament to our unwavering commitment to our values prioritising customers at the heart of everything we do.
The journey to being shortlisted in the Commercial Lines Broker of the Year category was not an easy one. Amidst the backdrop of uncertainty and a heightened demand for reduced premiums during challenging times, we have been expanding, modernizing our office, and making substantial changes to our processes and technology infrastructure to support the team and business in the future.

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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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