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Protecting you and the environment
Eco Cover changes to Insure Green
We’ve been delighted with the success of our specialist insurance products, but along the way have had to overcome the odd hurdle when using ‘Eco Cover’, due to the similarity with ‘Ecover’.
BSI Case Study 14001
Following a recent audit with BSI they have produced this Case Study confirming our understanding of environmental legislation and compliance through ISO 14001.
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Be prepared for the thaw
As the cold weather begins to ease there is an increased risk of burst pipes which can cause considerable damage, with claims often running into many thousands of pounds.
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Click here to email usPress Release - Insurance and Swine Flu
What insurance protection is available?
Swine flu has dominated the headlines over the last few months with a growing number of cases and controversy over treatments and strategy. It seems that although the current outbreak in the main only produces mild symptoms, a second or even third wave may be more virulent. Its impact on business life may increase with more staff absenteeism and there may even be changes in the public’s attitude to gatherings and events for fear of infection.
Insurance coverage for businesses at the moment has little impact. If an employee has to cancel a business trip abroad because of Swine Flu, then the costs which cannot be recovered should be met under an Annual Business Travel insurance policy. This should also cover the costs of sending a replacement employee if necessary. If the disease is contracted whilst abroad then medical expenses and other extra costs should be covered. Insurers are aware of the time delays and difficulties of getting doctors confirmation of inability to travel and most are flexible in their requirements. Of course, in every case, the trip would have to be arranged prior to contracting the illness for cover to apply. If you do have directors or employees going abroad, even infrequently, on business, you should contact us if you do not already have an annual policy.
Some employers have cover on staff against sickness and once again insurance would operate as normal with insurers being more flexible on proof of illness.
However there is little cover on any loss of revenue suffered by businesses because of the pandemic. Cover is automatically provided in some cases or can be arranged if premises are closed or events cancelled by authorities on health grounds. This may be available for the food, drink, hospitality, entertainment and event industries. However, if the outbreak becomes more serious then insurers would be less prepared to offer cover to new enquirers. No cover is available for loss of revenue just because of staff shortages or the public staying at home.
If you would like to discuss any issues which may be relevant to your business just give us a ring.