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Making the case for sprinkler protection

There is clear evidence that sprinklers are a valuable business risk reduction feature that can quickly extinguish a fire and help prevent it from spreading. A properly installed sprinkler system will detect the fire’s heat, initiate an alarm, and activate just moments after the flames appear.

Professional Indemnity Insurance

In 2018, the review by Lloyds of London sent ripples through the Professional Indemnity Insurance (PII) market. The review confirmed that UK PII has been unprofitable, for most insurers, for many years, making it the second least profitable class at Lloyds. As a result, Lloyds issued an ultimatum to all syndicates that underwrite PII that they need to put their house in order and put in place an action plan for loss-making PII portfolios to return to a sustainable profit.

Dishing the dirt on pollution

The Environmental Liability Directive (ELD) came into force across the EU in 2004 establishing the framework for environmental liability based on the principle that the polluter - pays and is required to make good the environmental damage they have caused, whether deliberate, or accidental.  

Water, Water Everywhere!

It is estimated that one in five claims made on home buildings and contents insurance policies are for damage caused by water leaks.  Whilst insurers will be breathing a sigh of relief that the frozen pipe season is over for another year, they remain acutely aware that leaking washing machines, dishwashers, baths, showers and storage tanks represent constant threats throughout the year.

The UK Health and Safety Executive (HSE) announces important news on raised control standards for welding fumes

There is new scientific evidence from the International Agency for Research on Cancer that exposure to mild steel welding fumes can cause lung cancer and possibly kidney cancer in humans. 

Franklands host breakfast seminar on managing and responding to Cyber risks

The Government’s 2019 Cyber Security Breaches Survey* reveals that 32% of businesses have identified breaches or attacks and that 78% of businesses now rate cyber security as a high priority. However, they often struggle to identify effective solutions to protect, manage and mitigate cyber risk.

Fatal crash illustrates the need to respond to risk management information

A failure to act on the information provided by modern risk management tools has resulted in a fine of £2.3 million for bus company, Midland Red (South), part of Stagecoach.

It pays to have Cyber Liability Insurance

Cyber Liability Insurance is developing into an important line of cover for modern businesses of all types and sizes.  It is an evolving product and the number of insurers offering this cover continues to increase. Unsurprisingly the scope of cover offered by these insurers varies widely leading to some press comment that cyber policies are not fit for purpose and that cyber insurance claims are not getting paid. 
At Franklands Insurance & Risk Management we continue to review the Cyber Liability Insurance offerings currently available and will help address these misconceptions.

Fire stricken ship demonstrates the practical value of Marine Insurance

News that General Average has been declared on the container ship APL Vancouver which caught fire on 31st January, with approximately 4,500 containers on board, is a timely reminder to discuss the implications of this age old principle of maritime law.  

Brexit contingency planning may increase risk exposure

Critical information, analytics and solution providers, IHS Markit has reported that UK manufacturers are stockpiling raw materials ahead of the UK's scheduled departure from the EU. 

Mind Your T's & C's!

Risk transfer, by way of an insurance policy, offers valuable protection to businesses, and forms a crucial part of corporate risk management. However, one important aspect of risk reduction that is often given a low priority by companies is the use of standard terms and conditions (T’s & C’s).

The government is proposing stronger food labelling laws following the tragic death of 15-year-old Natasha Ednan-Laperouse, due to an allergic reaction to a baguette bought from Pret a Manger in 2016.
Environment Secretary Michael Gove says he has instructed civil servants to investigate a law change and the proposals could see a requirement to provide a full list of ingredients on all packaged food such as sandwiches and salads.

Non-malware fileless attacks that do not require hackers to directly breach systems are ten times more likely to succeed than file-based attacks. They use legitimate applications, or even the operating system, and as they do not install new software on a user’s computer, antivirus tools are more likely to miss them.

Whilst many domestic insurance buyers are happy to purchase their home and motor insurance via a comparison site, there is no doubting that high net worth insurance buyers can benefit from using the services of an Insurance Broker that specialises in this area.

Office Christmas Parties?  Bah Humbug!

Legal firm, DAS Law , has issued a timely festive blog. The aim is to remind employers and employees alike that whilst the office Christmas party is an opportunity for work colleagues to relax and have a few drinks, it can also be a minefield.


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