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Insurance Industry Response to Revised Ogden Discount Rate

Following the Lord Chancellor’s announcement in July that the Ogden Discount Rate, applicable to the United Kingdom excluding Scotland, will only marginally increase from minus 0.75% to minus 0.25%, with effect from 5 August 2019, Insurers have now crunched the numbers to reveal how this will affect future Motor and Liability Insurance limits of indemnity considerations.

Updated HMRC Guidance on Spotting Scammers

HM Revenue & Customs (HMRC) has updated guidance and published a list of examples of websites, emails, letters, text messages, WhatsApp messages and phone calls used by scammers and fraudsters to obtain corporate and personal information.

Fire Alarm Response

Individual fire authorities are responsible for creating appropriate strategies for their own area. With limited resources and many calls on those resources fire authorities have to make difficult decisions about how they allocate those resources. Sometimes those decisions can be controversial and fire alarm response is sometimes a sensitive area.

Online Reputation Security

For centuries Insurance has helped protect businesses and organisations from loss, or damage, to assets, income and liabilities. However, one priceless asset, that of a hard won reputation has never been so exposed and so difficult to protect as it is right now.

Cash for crash tactics and how to reduce your exposure

According to the Insurance Fraud Bureau, a company established to fight against insurance fraud, 'Crash for Cash' scams, where fraudsters deliberately manufacture collisions with innocent road users to profit from fraudulent insurance claims, are costing around £340m a year. This, of course, puts innocent motorists in danger and feeds into insurance premiums, leaving honest motorists and fleet managers to pick up the tab.

Discriminating cover for businesses

News that pub chain Greene King were called upon to defend their approach to disability discrimination, when staff refused to serve a customer who was suffering from Multiple Sclerosis, illustrates how companies can find themselves defending discrimination claims.

HSE raises Fee For Intervention rates

In October 2012 The Health and Safety Executive (HSE) introduced Fees For Intervention (FFI) which authorised the HSE to charge organisations for the costs involved in investigating, issuing notices and assisting in correcting material breaches of health and safety regulations.

Motor & Liability Insurance premiums set to rise on Ministry of Justice  changes to compensation rules for seriously injured claimants

The long awaited reforms to the 'Ogden Discount Rate’ have now been announced by the Government. The rate is used by courts in England and Wales to determine how much critically injured victims receive in compensation.

A perfect storm for construction professional indemnity insurance

The tragic events at Grenfell Tower in June 2017 have further impacted upon the availability of Professional Indemnity (PI) Insurance in an already difficult market.

The UK construction PI market has deteriorated over the last 12 months and continues to do so. Following a ‘Thematic Review’ by Lloyds of London in 2018 many loss-making syndicates have been forcibly put into run-off, and others have had their capacity reduced. In the last 12 months Aspen, Brit, Hamilton Syndicate 3334, Novae and most recently Pioneer Syndicate have withdrawn from the UK PI market entirely and several others have withdrawn from underwriting ‘design and construct’ and construction PI. As a result most insurers that maintain any appetite for this sector are quoting increased premiums, higher excesses and limiting their exposure through restricted policy coverage.

Cyber Liability Insurance: need to have, or nice to have?

Imagine logging onto your computer and being met with the following message:


All your files, documents, photos, databases and other important files are now encrypted.
The only method of recovering files is to purchase an unique private key.
Only we can give you this key and only we can recover your files.


Insuring in the USA, what's the big deal?

As UK companies consider the need to look beyond traditional markets, for their products and services, they also need to ensure that they comply with local insurance and tax regulations and protect their balance sheets from additional exposures.

Why are insurance claims costs increasing and does this affect me?

Many factors can contribute to driving up the cost of claims and insurance policyholders need to be aware that, in turn, this could lead to higher premiums. Claims inflation can affect many types of insurance including motor, property, liability, plant and construction.

Terrorism Insurance cover evolves to meet changing risks

Attacks at Manchester Arena and London Bridge demonstrated a gap in the cover provided by terrorism insurance policies.

Help at hand for under fire landlords

The Government has announced new plans to prevent private landlords from evicting tenants without a "concrete, evidenced reason already specified in law" in order to bring tenancies to an end.

How to avoid the most common cause of workplace injury

Health & Safety Executive (HSE) statistics confirm that in 2018 slips, trips or falls accounted for over 30% of non-fatal workplace injuries and over 20% of non-fatal workplace injuries that resulted in a more than seven day employee absence.


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