protecting-drivers

The Dangers of Driving While Dehydrated

October 19, 2017

Driving while dehydrated has the potential to be as dangerous as drink-driving, according to a study from Loughborough University. The study, which was conducted over the course of two days, had a group of male volunteers perform various driving simulations while provided 200 millilitres of fluid to drink every hour on the first day, but [...]

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flooding_03

Safeguard Against Record-breaking Rainfall this Winter

October 9, 2017

Nearly 17,000 homes and businesses flooded during the winter of 2015-16 and this winter could be worse. Britain is expected to experience unprecedented rainfall, with records to be broken by up to 30 per cent, according to the Met Office. What’s more, 1 in 6 UK properties are at risk for flooding, according to the [...]

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Speeding

Tougher Penalties for Driving Offences Now in Effect

September 20, 2017

Courts in England and Wales are now enacting tougher penalties for drivers violating the rules of the road. In 2015, 244 people were killed in crashes involving speeding in Britain—highlighting the need for greater road safety. The courts hope these new regulations, which apply to all drivers sentenced on or after 24th April 2017, more [...]

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cyber-holiday

Cyber Tips for Travelling

September 14, 2017

Staying safe while travelling involves more than simply locking your valuables in a hotel safe. Today, cyber crime is just as prevalent as conventional crime. In fact, your digital property may be more valuable to criminals than your personal property. Before packing for your next business trip, take the following precautions to protect yourself and [...]

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stay-cool

How to Keep Your Home Cool This Summer

September 5, 2017

This summer has been uncommonly warm, with June’s scorching temperatures making it the hottest month in 41 years. Such sweltering heat threatens the elderly, babies and those with underlying health conditions. Public Health England advises that excessive exposure to high temperatures can kill, and that heat-related deaths start to occur when temperatures rise above 25 [...]

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Cyber-Security

Government Releases 2017 Cyber Security Breaches Survey

August 17, 2017

The government recently published its 2017 Cyber Security Breaches Survey, which provides a way for you to compare the effectiveness of your cyber security efforts and learn how you can improve them. By examining last year’s mistakes, your organisation can better adapt its cyber security efforts to protect the private data of customers and the [...]

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staying-cool-this-summer_03

Prevent Heat Illness When Working Outdoors

August 11, 2017

Hot weather, especially when combined with strenuous physical labour, can cause body temperatures to rise to unsafe levels—leading to heat illnesses. Outdoor workers are especially vulnerable to heat-related illnesses because they spend the majority of the day outside in direct sunlight. There are a variety of heat illnesses, including heat stroke, heat exhaustion, dehydration and [...]

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Cyber-Essential

The Popular Social Media Post That Makes You Vulnerable to Hackers

August 3, 2017

A recent popular Facebook post asks users to provide a list of 10 concerts, and then challenges the user’s friends to guess the concert that they haven’t attended. While this type of post can resurface unforgettable memories of past concerts, it can also open the door for cyber criminals to steal your information. Often, websites [...]

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Home-sweet-home

Safeguard Your Home While on Holiday

July 24, 2017

Keep your home and its contents safe while you’re away with the following tips: Don’t publicise your holiday on social media or the internet as this lets potential thieves know that your home will be empty. Ask a friend or neighbour to put away rubbish bins, collect post and pick up junk mail left in [...]

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Cyber-attack

Apps and Smart Appliances May Pose a Significant Cyber Security Threat

June 15, 2017

Despite the fact that 79 per cent of surveyed UK organisations have some type of cyber defences, 57 per cent of those organisations have experienced at least one cyber attack within the last 12 months, according to a recent survey from multinational defence and security company, BAE Systems. On average, these cyber attacks cost organisations [...]

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Carbon-monoxide

5 Million Homes at Risk of CO Poisoning

June 7, 2017

Five million UK households are at risk of carbon monoxide (CO) poisoning, gas leaks, fires and explosions from hiring illegal and unqualified gas engineers, according to Gas Safe Register. Some areas are worse than others—96 per cent of the gas jobs in Leeds were found to be unsafe this year. Here’s how to keep your [...]

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Budget

Spring Budget 2017 Summary: Good or Bad News for Business?

June 1, 2017

On 8th March, Philip Hammond, Chancellor of the Exchequer, delivered the Spring Budget to Parliament. Does Hammond’s new budget spell good or bad news for your business? Keep reading to find out. Key Numbers The Office for Budget Responsibility’s (OBR) forecast for business investment showed improvements since the Autumn Statement, concluding that business investment declined [...]

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IPT Image

Insurance Premium Tax (IPT) Increase

June 1, 2017

CLA Insurance is committed to keeping all of our clients fully aware of any changes to regulation and how this may impact them. In the Chancellor’s autumn statement it was announced that the standard rate of IPT will rise from 10% to 12% from 1 June 2017. How will the increase affect me? The increase [...]

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Digital-overload

5 Ways to Prevent Digital Overload

May 25, 2017

Digital overload is exactly what it sounds like, an overwhelming flood of information and stimulation from digital devices, and it effects at least 34 per cent of all workers, according to a survey from Microsoft. What’s more, is this near-constant access to digital technology can be stress inducing, which could negatively impact your mental well-being. [...]

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Driving-Mobile

Penalties Double for Using a Mobile While Driving

May 16, 2017

As of 1st March 2017, the penalty for mobile usage while driving doubled from £100 to £200 and from three to six points on a licence. Plus, repeat offenders could find themselves banned from the road. New drivers caught using mobiles while driving within the first two years of passing their driving tests will have [...]

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working-alone-safety

Staying Safe When Working Alone

May 4, 2017

Across all industries, certain employees may be required to work alone. Whether it’s due to staff shortages, late-night shifts or the nature of the job itself, those who work alone tend to be more vulnerable. For example, if you work alone, you may lack the support needed to properly respond to any incidents that occur [...]

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house-sharing

The Pitfalls of Property Sharing

April 26, 2017

Nearly 80,000 British homeowners earn supplemental income through the use of property sharing services, such as Airbnb. However, by letting out available rooms, these homeowners may be breaking or even invalidating the terms of their leases or mortgages as well as their insurance policies, according to a ruling from the Upper Tribunal (Lands Chamber). In [...]

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Pothole

How to Successfully Submit a Pothole Claim

April 20, 2017

In 2016, UK drivers submitted a claim for pothole damage every 17 minutes, which amounted to more than 31,500 claims, according to research collected by the Royal Automobile Club Foundation for Motoring. Potholes can be a particularly dangerous hazard for drivers, as they can cause buckled wheels, cracked tyres and alloys, and knock out the [...]

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home-security

6 Tips to Keep Your Home Burglar Free

April 12, 2017

There were an estimated 686,000 domestic burglaries in the United Kingdom last year, according to the Office for National Statistics. Whilst the overall burglary claims rate fell 8 per cent last year, burglary still remains a concern for many areas, such as parts of London, Leeds and Cambridge. To protect your home, follow these six [...]

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Organic-living

How to Eat Organic on a Budget

April 6, 2017

Demand for organic produce in the United Kingdom is at the highest it has been for more than a decade and is even outselling non-organic produce, according to the Guardian. Yet, purchasing only organic produce can be expensive. In fact, over the course of a year, you could spend £870 more on organic produce, according [...]

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Boost-Productivity

7 Ways to Boost Productivity in 2017

March 31, 2017

With 2017 underway, your organisation may be considering ways to boost productivity. Whether you already have a list of planned objectives or if you are still thinking of your goals, here are seven beneficial practices that you may want to implement: Prioritise ethics and transparency across your entire organisation. Examine your business practices and supply [...]

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Travel-deal

Find the Best Travel Deal this Spring

March 22, 2017

The weakened pound has made it increasingly expensive to go on holiday. Yet, that should not stop you from setting out on an enjoyable trip. To ensure that your next holiday does not break the bank, consider the following tips: Research, research and research. Prices for flights, hotels and hire cars can change from day [...]

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Fuel-efficiency

Simple Steps to a Fuel-efficient Car

March 16, 2017

Instead of scouring your area looking for the cheapest petrol and diesel prices, follow these five simple steps to help you save on fuel costs year round: Remove the roof racks and boxes. Without any roof racks or boxes to slow it down, your car becomes more aerodynamic, which can save you as much as [...]

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Lower-energy-cost

7 Tips for Lowering Energy Costs

March 8, 2017

We’re in the depths of winter, meaning skin is dry and energy costs are high. To ensure that your savings don’t go down as you turn the heat up, follow these seven energy tips: Turn the thermostat down. If you lower the temperature by just two degrees, Energy UK estimates you could save about £85 [...]

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Engineering-strategies

5 Social Engineering Strategies That Threaten Your Company

February 16, 2017

Regardless of how much your company may have invested in its cyber security, there will always be one glaring vulnerability—the people that work there. Instead of using sophisticated and malicious computer codes, cyber criminals employ social engineering strategies to gain access to your company’s confidential information. These strategies are meant to persuade, trick, blackmail, threaten, [...]

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Caution

Reducing Risk in Office-based Firms

February 7, 2017

While offices are typically devoid of severe life-threatening hazards, that does not excuse your company from supporting a feckless health and safety policy. In fact, that kind of lackadaisical approach may instead create unsafe working conditions and contribute to poor health and safety in office-based companies—directly contributing to workplace injuries. For that reason, it is [...]

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Health-and-safety

HSE Releases 2015/16 Health and Safety Statistics

February 2, 2017

The HSE recently published its 2015/16 annual health and safety statistics report, which provides a way for your business to review how it fares in regard to the rest of the country. By examining the mistakes of the previous year, your business can better adapt your health and safety policy in order to more adequately [...]

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sleep

Put Your Phone Away for Better Sleep

January 25, 2017

Over one-third of adults (37 per cent) in the United Kingdom say that they do not get the right amount of sleep, making sleeping better the fastest growing health ambition amongst adults. Besides feeling tired, a lack of sleep also affects people’s fitness levels. According to a recent survey from a major UK insurer, more [...]

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Stress

Seasonal Affective Disorder

January 19, 2017

Seasonal affective disorder, or SAD, is a recurring depression that affects individuals during the cold winter months and then recedes during the spring and summer. It is estimated that 1 in 15 adults suffer from SAD. The disorder is most common for those in their 20s, 30s and 40s, although it can also occur in [...]

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Cyber-Security

Protect Yourself and Your Family from Cyber Crime

January 10, 2017

Almost 6 million fraud and cyber crimes were committed last year in England and Wales, according to the Office for National Statistics—making it the most common type of crime. There are several forms of cyber risk, and anyone with internet access can be affected. As the frequency of cyber crimes in Great Britain continues to [...]

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prep-for-winter

Prepping Your Home for Winter

December 1, 2016

Adverse weather conditions can wreak havoc on homes. High winds can loosen roof tiles, colder temperatures can freeze water pipes and heavy rainfall can result in flood damage. There are two basic aspects to getting your home ready for winter. First is to check guttering and roof tiles to make sure everything is secure. Second [...]

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online-fraud

Defend Your Finances Against Online Fraudsters

November 21, 2016

For the first time, estimates of fraud and cyber crime offences were added to the Crime Survey of England and Wales, indicating that there were about 6 million instances in 2015. About 1 in 10 Britons fell victim to either fraud or cyber crime offences from April 2015 to March 2016. During the first three [...]

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Business-down-opt-up

Numbers Are Down, but Business Optimism Is Up

November 17, 2016

The economic climate in post-Brexit Britain was supposed to be harsh and unforgiving, but after several tumultuous and uncertain months, UK companies are finding the slump to be less severe than predicted. In fact, according to the latest business trends report from BDO, an international accountancy and services firm, business optimism has risen from 97.9 [...]

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illness

5 Ways to Avoid Spreading Illness

November 8, 2016

With the changing weather, the potential for contracting a cold or the flu increases substantially. The flu is an infection of the nose, throat and lungs caused by the influenza virus—with symptoms like fever, cough, sore throat, fatigue, loss of appetite, and a runny or stuffy nose. While the common cold and the seasonal flu [...]

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super-foods

How ‘Super’ Are Superfoods?

November 2, 2016

With all the talk about omega-3s and antioxidants, it is of little wonder that 61 per cent of Britons reported buying foods because they believed that they were supposed ‘superfoods’, according to a survey conducted by YouGov. Many consumers place false hope in superfoods, such as those that contain antioxidants that ‘fight’ cancer and the [...]

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holiday-money

Avoid These Holiday Money Mistakes

October 27, 2016

Are you interested in taking advantage of late-season holiday deals? Just make sure to avoid these common money mistakes. Choosing the wrong credit card. Use a card without fees. Withdrawing cash from a cash machine. Foreign currency withdrawal fees add up quickly. Try to limit cash machine withdrawals. Not sharing travel plans with your bank. [...]

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standing

The Dangers of Prolonged Standing

October 18, 2016

Prolonged standing is a common requirement for certain employees, including salespeople, machine operators and assembly-line workers. And, while standing is a natural human activity, it can lead to serious health issues if performed in excess. Most often, prolonged standing contributes to sore feet, leg swelling, varicose veins, general muscular fatigue, lower back pain, and neck [...]

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Happy-Worker

Promote Employee Well-being to Avoid Losing Staff

October 12, 2016

According to a recent Guardian survey that examined the well-being of employees across the voluntary and public services sectors, 93 per cent of respondents reported that they were stressed out all, some, or a lot of the time at work. Employees with poor mental and emotional well-being are generally less productive, become ill more often [...]

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fatigue

Protect Against Workplace Fatigue

October 6, 2016

In the United Kingdom, there are more than 3.5 million shift workers in a variety of industries, such as emergency services, healthcare, transport, manufacturing, entertainment and retail. However, when long working hours that do not allow for adequate rest and recovery are coupled with poorly designed shift-working arrangements, shift workers could experience fatigue. Like with [...]

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First-aid

Workplace First Aid Basics

September 28, 2016

First-aid knowledge and decisive action can mean the difference between life and death. If someone requires emergency medical attention on the job, co-workers in the immediate vicinity should call 999 and, if trained, apply first aid while waiting for the paramedics. Although this advice is not meant to substitute formal first-aid training, even a basic [...]

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Drone

Commercial Drone Use

September 15, 2016

While hobbyists have been using unmanned aerial vehicles, better known as drones, for some time, companies are just starting to adapt the technology for their own uses. Small unmanned aircraft systems (SUAS), also known as remotely piloted aircraft systems (RPAS), have rapidly become more common in companies’ commercial efforts. However, while drones may present your [...]

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rural-land

Why choosing a specialist insurance broker makes a big difference

September 7, 2016

Rural land and business owners face a wide range of risks. Working with a specialist insurance broker helps you understand your exposures and arrange comprehensive and competitive cover. The rural sector has such a diverse range of circumstances to take into consideration when arranging insurance. There are many aspects of rural life that are exposed [...]

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Health-and-safety

Extending Health and Safety Throughout Your Supply Chain

September 1, 2016

Your organisation—regardless of size or industry—most likely relies on at least one supply chain to support its regular operations. However, as a supply chain is an interconnected system, the slightest change could have debilitating effects. Even something as innocuous as one of your suppliers increasing the weight of their packages could expose your employees to [...]

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Dog-in-car

Pets in Cars Could Void Cover

August 24, 2016

If you allow your pet to freely wander around your vehicle while you are driving, you are at risk for having your car insurance invalidated, according to insurance industry experts. The reason for this is that an unrestrained pet in a moving vehicle is a breach of the Highway Code, which could lead to voided [...]

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equal-pay

Gender Pay Reporting Finalised

August 18, 2016

New gender pay gap reporting regulations will come into force in October 2016. Under the new regulations, if your company employs at least 250 staff members, you will be required to disclose the salary and bonus amounts for each of your male and female employees. These amounts will then be made publicly available on your [...]

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Break-in

Thieves Can Hack Your Home—Here’s How to Stop Them

August 9, 2016

According to the Office of National Statistics, there is an attempted burglary on a private residence every 45 seconds. Because of this potential threat, it is important that you install reliable home security protections—such as a home security system. However, as it has become more common to include ‘smart’ capabilities—such as allowing you to manage [...]

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flooding

Flood Re – What it means for your home insurance?

August 3, 2016

In the UK over 5.2 million domestic properties are at risk of flooding. The problem is growing and climate change means that within the next 20 years half a million more homes will be at a significant risk of flooding. Out of the current 5.2 million homes, 2.4 million are at risk from river or [...]

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driving-mobile

Penalties for Using Hand-held Mobile Devices While Driving May Increase

July 27, 2016

According to recent motor industry research, drivers that use a hand-held mobile device are four times as likely to be in an accident. To help combat this increased risk, the Department for Transport has announced its intention to increase the penalties associated with the use of mobile devices. The intended effect of the proposal is [...]

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travel

Avoid These 7 Common Travel Scams

July 18, 2016

Summer is getting closer—as you think about planning your next holiday, make sure that you can protect yourself against these seven common travel scams: Distraction theft: Remain aware of your surroundings, regardless of how crowded the area may be, especially when interacting with other people. Thieves may try to distract you—even just by asking for [...]

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staying-cool-this-summer_03

Keeping Your Home Cool This Summer

June 30, 2016

Because many Britons are unaccustomed to such extreme heat, experts are urging people to take steps to stay cool to avoid any heat-related deaths. To prevent yourself from succumbing to the sweltering heat, follow these five tips to keep you and your home cool: 1. Sleep cool and comfortably – A few hours before you [...]

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summer-driving

4 Summer Driving Tips

June 16, 2016

Scorching temperatures and congested holiday routes can make summer driving extra dangerous. Follow these four driving tips to keep yourself, your passengers and your vehicle safe this summer: 1. Punctures – High temperatures can aggravate existing damage on your vehicle’s tyres. Before departing, be sure that you have done the following: Check the tyres for [...]

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travel-claims_01

3 Tips for Submitting a Travel Claim

June 7, 2016

If you are ever required to submit a travel claim, remember to follow these three tips to ensure that your claim will go through: 1. Report a loss or theft to the nearest police authority and request a copy of the report. For lost or damaged luggage, request a receipt from the airline or luggage [...]

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protecting-drivers

Protecting Drivers From Criminal Offences

May 26, 2016

Your business’ drivers must navigate through a slew of hazards on congested roadways every day for work. They are responsible for driving safely, not endangering other drivers and completing their demanding work duties. The unavoidable danger of driving on UK roadways makes juggling these driver responsibilities even more difficult. Your drivers’ failure to fulfil responsibilities [...]

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Innovation_01

Developing a Company Culture that Fosters Innovation

May 17, 2016

Innovative companies are often profitable ones, because they are great at finding the best, most creative solutions to their problems. However, innovation is not created in a vacuum—it requires a workplace culture conducive to new and creative ideas. Innovation is a process—each effort builds on the previous attempt to develop something. Therefore, a company should [...]

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online-reputation_03

The Importance of Online Reputations

May 11, 2016

With nearly 40 million smartphone users in the United Kingdom, a customer’s first impression of a business is often through its online presence. A business’ online presence is therefore essential to its long-term success, regardless of size or industry. Because of this, businesses should foster and monitor their online reputations to guide sales, shape their [...]

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Energy-Rating_01

New Regulations for Minimum Energy Efficiency Standards

May 5, 2016

On 1st April 2016, the first phase of the new minimum energy efficiency standards (MEES) came into force for England and Wales. The regulations are part of the government’s strategy to improve the energy efficiency of buildings. Under MEES, properties will be evaluated and receive an Energy Performance Certificate (EPC) rating from A to G—‘A’ [...]

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Lung-Disease

Breathe Freely: Defending Against Occupational Lung Disease

April 28, 2016

Each year, an estimated 13,000 workers die as a result of illnesses that were contracted or exacerbated by their work environments—nearly 5,000 of those deaths are a result of lung disease, and an additional 500 are the result of silica dust exposure. However, that does not even account for the 5,500 new occupational cancer diagnoses [...]

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Dust

HSE Launches New ‘Dust Hub’ Site

April 19, 2016

To better address the potentially damaging risks that dust presents to construction workplace environments, the HSE launched a ‘Dust hub’ on its site, which provides employers with information about potential risks, prevention measures and general advice on minimising the damage that dust could cause to employees. The damaging effects of exposure to dust particles are [...]

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Charity

Learn Your Duties and Liabilities as a Charity Trustee

April 14, 2016

As a trustee, you are ultimately responsible for the affairs of the charity and for achieving its goals….

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Work-Safety

World Day for Safety and Health at Work

April 5, 2016

The international day of safety awareness occurs annually on 28th April….

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food-manufacturing

Project Eden Expands Its Purview

March 29, 2016

To compensate for the current deficiency of skills in the UK food and drink manufacturing industry, and to prevent the problem from growing, Project Eden, an educational skills-training programme originally developed for the dairy industry, has expanded its purview to include all food industry sectors. The programme, supported by the National Skills Academy for Food [...]

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4-bolster-H-&-S_01

4 Ways to Bolster Health and Safety

March 23, 2016

While your company may already have an established scheme to address workplace health and safety issues, both your company and your employees could benefit from additional protection. For that reason, here are four ways you can effectively arm your business with the tools necessary to bolster any existing workplace health and safety schemes. The SafeTea [...]

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work-safety2

The Importance of Health and Safety Audits

March 17, 2016

The responsibility to ensure that employees have comprehensive health and safety protection rests on the shoulders of the company. Failure to fulfil that responsibility can result in prosecution, fines and significant reputational damage. In fact, according to the most recently collected data, workplace injuries and ill health cost the British economy £14.2 billion from 2012-2013. [...]

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car-crash

Beware of a New ‘Crash for Cash’ Scam

March 8, 2016

Motorists are being targeted by a more aggressive version of the ‘crash for cash’ scam. In the past, criminals would stage collisions with unsuspecting motorists in order to file fraudulent insurance claims. If a criminal was able to avoid the insurer’s fraud detection systems, he or she stood to earn a sizeable payment. Recently, criminals [...]

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Mould

How to Prevent and Remove Potentially Dangerous Mould

February 25, 2016

Mould grows when excessive moisture in homes and flats is exposed to warm temperatures. Leaky pipes, condensation in basements or cellars, and heavy rain making its way through cracks in the roof or the seals around windows are the most common causes for excessive moisture in the home. Left untreated, mould could cause an allergic [...]

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Caution

3 Workplace Hazards You May Not Have Considered

February 17, 2016

Regardless of the job, there will always be common workplace hazards you must watch out for: slips, trips and falls, vehicular accidents, illness, etc. But, there are also unexpected hazards—and it is these hazards that are the most dangerous because employees are ill prepared for them. For that reason, you should be on the lookout [...]

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international-expansion

Make sure you have the right D&O limits of indemnity

February 11, 2016

If your company is considering expanding internationally—even if it just means working with a new supplier abroad—you should consider how it will affect your D&O liability cover. Start by reviewing your policy’s specific language to identify the limits of your cover. As you review your policy, make sure that it does these eight things to [...]

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Car-Driver

Driving Personal Vehicles on Occasional Business Use

February 3, 2016

Driving is the most dangerous work-related activity for a large amount of people. For employees not in high-risk industries such as construction or mining, using a vehicle for work—to pick up a client or attend off-site meetings—can be the most treacherous part of the day. And as flexible working schedules and multi-location workplaces become the [...]

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Food-Hygiene

Food Hygiene Ratings

January 27, 2016

Your business’ food hygiene rating is inextricably linked to its reputation—one bad rating and your reputation could be permanently sullied. And for business’ like yours that sell food—such as restaurants, pubs, cafes, takeaways, hotels, supermarkets and other food shops—a good reputation is essential to developing and retaining a dedicated customer base. Diners can be fickle, [...]

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frosty-crops

Crop Frost Protection Best Practices

January 21, 2016

While farmers in cold climates are used to the effects of frost and regularly take extensive measures to avoid damage, those in more moderate climates are simply not as prepared to guard their business from loss in this area. Use these tips to ensure you make it through the each season successfully. Critical Freezing Temperature [...]

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Animal-Safety

Playing safe – Needle sticks on the farm

January 13, 2016

Reducing your risk when treating animals….

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respiration-mask

The Importance of Respiratory Protection

January 5, 2016

Wearing respiratory protection may seem inconvenient, but airborne particles and contaminants – no matter how small – can cause both short-term and long-term health problems if proper use and care of respirators is not exercised. Respirators protect employees from areas with insufficient oxygen, harmful dusts, fogs, smokes, mists, gases, vapours and sprays. These hazards may [...]

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farming_01

Working with Toxic Chemicals Safely

December 17, 2015

Each time you encounter a chemical, read this information and take the appropriate precautions….

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Hay-Tractor

Playing it safe – Trator safety

December 17, 2015

Use these tips as refreshers or reminders on how to prevent injuries on the job….

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inbox-meassage_01

Compliant Email Marketing

December 6, 2015

As the owner or manager of an organisation, you are obligated to adhere to several regulations….

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news- gavel

Notable Cyber Security Fines

November 25, 2015

Cyber attacks do not discriminate—businesses big and small, urban and rural, and across all industries have been targeted…..

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danger-symbol

Playing it safe – Toxic Gas Concerns in Agribusiness

November 18, 2015

Use this information to better equip yourself to stay safe on the job and identify when hazards exist….

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Cyber-Security

Cyber Security terminology explained

November 11, 2015

Consult this glossary for clear definitions of common cyber terms….

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Health-&-Safety

Manual Handling Assessment Proven to Work

October 29, 2015

The MAC tool helps employers and managers assess the risks posed by lifting, carrying and team manual handling activities….

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landrover

Keyless Car Thefts and Recalls

October 22, 2015

Land Rover is recalling more than 65,000 Range Rovers produced between 2013 and now….

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market

Food Enterprise Zones Expected to Create 10,000 Food Manufacturing Jobs

October 14, 2015

FEZs will provide their communities with support to expand their food and farming businesses while also preserving the integrity of the surrounding countryside….

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smoke-detector

Landlords and the Smoke and Carbon Monoxide Alarm Regulations 2015

October 6, 2015

Regulations were approved by Parliament in order to reduce the risk of injury or death caused by smoke or carbon monoxide in the private rented sector—they apply to England only….

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HM-Revenue

HM Revenue and Customs Launches Digital Charity Service

September 17, 2015

Charities Digital Service (CDS), to help charities with the tax registration process…..

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Social-Care

Complying With Duty of Candour

September 7, 2015

Duty of candour is a regulation that requires care providers to be open and transparent with the patients who use their services….

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Supply-chain-management

Tips for Managing Supply Chain Risk

September 3, 2015

Successfully navigating the delicate balance of your business’ supply chain can present unique, never-ceasing challenges….

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Farm-safety2

Grain Handling Safety

August 31, 2015

Agricultural workers are at a serious risk of injury and/or death when installing, climbing into, fumigating, entering, filling or emptying a silo….

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House

Choosing a Reputable Contractor

August 27, 2015

Having a reputable contractor is essential for completing any remodelling or construction work in a timely, cost-efficient and satisfactory manner….

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Supply-chain-management

Supply Chain Risk Management

August 20, 2015

Engaging supply chain partners and insurers in your effort to minimise supply chain risk and regularly reassessing exposures can help you to successfully manage your business’s risk from beginning to end of the supply chain….

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Driver-safety

New Safety Qualification for Motorists Who Are Required to Drive for Work

August 13, 2015

Each year, more than a quarter of all UK road traffic accidents—costing between 800 and 1,000 lives—involve motorists who are behind the wheel for their jobs….

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Supply-chain-management

Eliminating Slavery in Supply Chains

July 30, 2015

ensure that neither slavery nor human trafficking have taken place within their businesses or supply chains….

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Cyber-Security

Take Advantage of Cyber Essentials

July 28, 2015

free guidance to protect data from cyber threats…..

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suitcase_01

5 Things That Void Travel Cover

July 23, 2015

how your planned activities may affect your travel cover….

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tractor-safety

Tractor Safety

July 21, 2015

To reduce your chance of an accident, safety must remain a top concern…..

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text-driving

Texting Raises Motor Premiums

July 16, 2015

1 million road traffic incidents are caused by mobile use each year…..

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artwork

Enjoy Your Art Collection for Generations

July 6, 2015

Collections of fine art and other collectibles can be an expression of the owner’s passions and interests….

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news- gavel

Managing Risks for Directors and Officers

July 4, 2015

Every decision that directors and officers (D&O) of a company make has the potential to be scrutinised….

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driving-on-phone

Undercover Officers Pursue Motorists Who Drive and Use Their Mobiles

June 25, 2015

The operation has police officers across the United Kingdom going undercover as lorry drivers in unmarked vehicles in order to catch motorists who use their mobiles while driving….

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Cyber-Essential

Cyber Cover to be Mandatory in a Decade

June 21, 2015

only about 10 per cent of large businesses have any form of cyber cover, according to the ABI….

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SME-Safety-Wizzard

Safety Wizard App Launched

June 18, 2015

Smartphone app is the first mobile format of the HSE Toolbox that is available to businesses….

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consumer-rights

Consumer Rights Act 2015 Receives Royal Assent

June 16, 2015

will go into force on 1st October 2015….

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US-flag

Operating in the United States – 10 Best States for UK Firms

June 11, 2015

Conducting business in a foreign country creates unavoidable challenges however, 10 US states come out top for UK firms….

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Hay-Tractor

Big Bale Handling

June 10, 2015

Because they are so heavy, agricultural workers must make safety awareness a priority in order to avoid injuries….

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driving-license

DVLA Phases Out Paper Licences

June 8, 2015

Beginning 8th June employers can no longer use the paper counterpart to check driving information such as provisional entitlements….

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young-driver2

What is ‘fronting’

May 28, 2015

More than two million UK drivers are guilty of fronting, a type of insurance fraud in which motorists try to hide who is actually the main driver of a car….

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artwork

High Net Worth Insurance

May 21, 2015

What it is and who needs it….

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lorry

UK Food Exports Doubled in Last Decade

May 18, 2015

According to a recent report from the Food and Drink Federation (FDF)….

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travel

Staying Safe on Your Holiday

May 14, 2015

Whether you plan on travelling abroad this summer or staying put, follow these tips to stay safe while on holiday….

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young-farmer

Working With Young Co-workers

May 7, 2015

For many of these temporary young workers, this is their first foray into the working world…..

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Fraud

Take Steps to Tackle Internal Fraud

April 22, 2015

Recent figures from CIFAS, the United Kingdom’s fraud prevention service, show that business owners would be wise to grant the same seriousness to internal fraud….

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lorry

HGV Speed Limits Raised in England and Wales

April 21, 2015

in an effort to modernise the outdated, nearly 50-year-old previous regulation to better reflect the capabilities and responsibilities of the vehicles….

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news- gavel

The Insurance Act—What Businesses Need to Know

April 18, 2015

The Act ushers in a more modern regime for the industry by updating the 100-year-old regulations governing contracts between businesses and insurers….

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Volunteer

Motor Cover for Volunteers

April 15, 2015

Many charities rely on volunteers to help fill out their workforce and keep costs low. Volunteers are often asked to complete a variety of tasks, including driving….

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marquee2

Using Temporary Demountable Structures

April 9, 2015

Erecting marquees or other temporary demountable structures (TDS) is a sensitive operation that requires a steady hand….

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BCP

Are You Prepared if Disaster Strikes?

April 2, 2015

From fires to floods, storms to gale-force winds, disaster can strike anytime, anywhere….

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Home-sweet-home

Understanding your home insurance policy

March 26, 2015

Deciphering all of the parts of your home insurance policy can be difficult….

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Motor-fleet

Cover overview – Motor Fleet

March 19, 2015

Compared to standard motor insurance policies, the average motor fleet policy is much more robust and flexible….

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Know-how

Toxic chemicals be aware of home contaminations

March 12, 2015

Chemicals used on the job can remain on your clothing, hair, body, vehicle and tools, and travel into your home….

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Cow-milking

Potential environmental & regulatory liabilities at Dairy Farms

March 5, 2015

Do you know the most common exposures on your dairy farm….

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mybusiness

Take advantage of Google My Business

February 25, 2015

Google search results could create a dramatic increase in your business’ visibility and profits….

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woodstack

Environmental & Regulatory Liabilities at Timber Yards

February 18, 2015

Do you leave yourself open to prosecution….

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vacancies

Letting Your Home to Others

February 11, 2015

Things to consider….

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fire extinguisher

Managing Fire Safety in the Workplace

February 4, 2015

one slip-up is all it takes to start a fire that can reduce your entire business to ashes in a matter of hours….

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Livestock

Handling livestock safely

January 30, 2015

Did you know that multiple serious livestock handling injuries can be caused by a single agitated animal?

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Scam

Beware of Holiday Home Scams

January 22, 2015

Your dream of spending your holiday in the sun-drenched home you rented could evaporate….

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contract

Liquidated Damages Clauses in Contracts

January 15, 2015

Understanding your obligations under a contract….

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smoke-detector

Guard Against Carbon Monoxide

January 8, 2015

It is a colourless, odourless and tasteless toxic gas….

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going-out-of-business

The Top Reasons Businesses Fail

January 3, 2015

consultants and other business experts have created lists of the most common reasons that businesses fail…

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Closed

Taking Time Off: Can Your Business Survive Your Holiday?

December 22, 2014

More than 30 per cent of UK small business owners did not have a summer holiday last year….

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rural-shop

Rural Businesses: How to Compete With Your Rivals in the City

December 21, 2014

UK businesses big and small have trouble competing with their rivals in London and other population centres….

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ATV

Keeping Children safe – Around ATV’s

December 19, 2014

Agriculture has one of the highest rates of fatal injury to children in the UK….

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oil-slik-2

Prevent Equipment Fires through Safe Fuelling

December 13, 2014

Remember that carelessness leads to accidents and taking shortcuts is not worth your life….

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employee-sheet

Tribunal Rules on Overtime When Calculating Holiday Pay

December 2, 2014

The Employment Appeal Tribunal (EAT) ruled on 4 November that companies should factor in overtime when calculating holiday pay…

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House

Many of us are investing in our properties improvement

November 21, 2014

However, one thing that may have been overlooked is informing your insurance provider….

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label

Upcoming Food Allergen Disclosure and Labelling Requirements

November 19, 2014

On 13 December 2014, a section of the regulations regarding food allergens in non-pre-packed and pre-packed foods will come into effect for all food business operators….

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bow-tie

Cover overview: Special event insurance

November 13, 2014

Hosting events such as concerts, festivals, conferences, trade shows, sporting events and celebrations….

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emergency-kit_02

Vehicle Emergency Kits

November 10, 2014

Stay ready for any roadside disaster by assembling an emergency kit and keeping it in your vehicle at all times….

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Vase

The importance of valuing your assets

November 5, 2014

At a recent breakfast event guests were surprised to discover that many people did not know the correct value of their property and assets….

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Fireworks

Reduce the Risks of Displaying Fireworks

October 30, 2014

When you put on a special event with fireworks, take precautions to reduce the risks and keep your employees and spectators injury-free….

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snow-cars

Preparing your vehicle for winter

October 21, 2014

Winter driving can be nasty….

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Latest

Insurance – Latest trends

October 15, 2014

Our top insurance tips….

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Floods

Are you prepared for heavy rain and floods

October 13, 2014

Staying safe in flooding….

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tax-disc

All Change with Vehicle Tax System

October 2, 2014

Another Great British tradition ended last month….

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coins

National Minimum wage rises to £6.50 an Hour

October 2, 2014

This marks the first time in six years that the minimum wage rate increase….

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Safe

Protect your valuables with a safe

October 2, 2014

Selecting the right safe is crucial; it could be your last line of defence against burglary or fire….

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Outdoor-activities

Member to Member Liability Insurance

September 26, 2014

Groups, clubs and other organisations across the United Kingdom may be unknowingly exposing themselves to a huge gap in their insurance cover: member to member liability….

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Charity

Good Governance Principles

September 18, 2014

All organisations require good governance to prevent dissolution. Charities and not-for-profits, with their tight budgets and limited resources, are especially in need of judicious governance that prioritises the needs of the organisation….

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Cheque

Avoiding Cheque Fraud

September 10, 2014

Although cheque use is diminishing in the face of electronic payments, many charities still rely on cheques to make payments without having to access the Internet or carry cash….

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Like

How to Make Social Media Work for Your Not-for-Profit or Charity

September 4, 2014

Social media is here to stay—it is no fad advice for not-for-profit an charity organisations….

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Pig-Farm

Pig Farm Precautions

August 21, 2014

There are three common risks associated with working at a pig farm….

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lorry

Upcoming Deadline for Lorry Driver CPC Training

August 13, 2014

Under the Vehicle Drivers (Certificates of Professional Competence) Regulations 2007, all commercial lorry drivers in the United Kingdom are required to complete 35 hours of periodic training every five years to maintain their Driver CPCs….

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Farm-safety2

Harvesting Safely

August 6, 2014

Harvesting equipment is some of the most dangerous machinery you will encounter on the job….

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Pat-Jones

Interview with Patricia Jones

August 1, 2014

Patricia Jones tells us about the last decade and, having just signed another long-term contract with the CLA, what she expects in the next ten years….

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clockin-in

The Flexible Working Regulations 2014

July 24, 2014

The new regulations extend the right to request flexible working to all employees, not just those who have certain parental or caring responsibilities…..

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airplane

Purchasing Summer Holiday Travel Insurance

July 23, 2014

Many people look forward to their summer holiday all year long….

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field-worker

Hiring Temporary Workers This Summer?

July 17, 2014

The number of temporary workers across the United Kingdom between January and March 2014 was 1.6 million, a boost of almost 3 per cent compared to the same three-month period last year, according to the Office of National Statistics. And now that summer is in full bloom, with students taking advantage of seasonal employment, the [...]

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Fasten-belt

Stay Safe This Summer: Wear Your Seatbelt

July 17, 2014

As summer continues to unfold, giddy travellers journey en masse to their favourite holiday spots in hopes of some sunny relaxation. This migration spreads all over the globe, with holidaymakers trekking by boat, plane and car. When you drive this summer, remember to wear your seatbelt to keep yourself and your passengers safe from the [...]

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car-theft

Preventing Summertime Car Thefts

July 9, 2014

Vehicle theft is a ‘crime of opportunity’, meaning that many thieves do not rely on advance planning and simply opt for the easiest car to steal at that moment…..

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market

Direct Marketing and Liability for Farmers

June 30, 2014

farmers must consider the increased liability they could be facing by cutting out wholesalers and processors….

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pickers

Tips for Managing a Bilingual Workforce

June 18, 2014

In a bilingual workplace, language and cultural barriers can contribute to miscommunications and on-the-job accidents and injuries….

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security

Crowd & Spectator safety for event organisers

June 11, 2014

Crowd and spectator management can be stressful and time-consuming…..

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cancelled

Cover Overview – Sporting Event Cancellation

June 9, 2014

Planning a sporting event can feel like juggling a million things at once….

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Squat

Keep Squatters Off Your Property

June 5, 2014

Squatting, or living on someone’s empty property without permission, is a growing risk for rural property owners….

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BBQ

Make barbecues even better

May 28, 2014

We want to help make sure your event is safe as well as fun, so here are some pointers to help you avoid both….

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animal-storage

Playing it safe – Special Precautions for Hauling Animals

May 21, 2014

Safety is especially important when you are charged with hauling live animals….

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Burglar

Taking in the sun

May 15, 2014

Many of us like to make the most of the warmer weather – including thieves and burglars….

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news---car-crash

Drive safely in the summer

May 6, 2014

hottest days of the year see a 50% increase in motor accidents….

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vineyard

Cover Overview – Wineries

May 1, 2014

Due to their unique nature, wineries of all sizes are presented with an unusual blend of exposures that need to be managed…..

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Floods2

Flood Support Schemes Available

April 17, 2014

This past winter was the wettest in over 250 years and unleashed the worst tidal surges across England in over 60 years…..

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Health-&-Safety

2009 Health and Safety Poster and Leaflet Now Required

April 10, 2014

From 5 April 2014, employers in Great Britain are required to display the 2009 workplace poster or provide employees with the 2009 leaflet or pocket card instead of the previous 1999 versions…..

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suitcase_01

Did You Get Your Travel Jabs?

April 1, 2014

Take your pick: one quick jab, or one lengthy, expensive and foreign hospital stay….

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red-briefcase

2014 Budget Key Numbers and Highlights

March 21, 2014

On 19 March 2014, George Osborne, Chancellor of the Exchequer, delivered his Budget to Parliament which reviewed UK economic performance, forecasted future UK economic viability and detailed several changes to taxation. Speaking to the House of Commons, Osborne summarised the budget’s main objectives as creating economic stability and sound public finances, fostering business growth through [...]

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detector

Are You Exposed to Radon?

March 18, 2014

Test your home for this deadly gas you cannot see, smell or taste……

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news-factory

Unique Feedstock Supply Chain Insurance Service

February 19, 2014

Unique Feedstock Supply Chain Insurance Service Has The Potential To Be An Important Catalyst In Unlocking New Bioenergy Projects…..

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landrover

Don’t Fall for ‘Ghost Broking’

February 10, 2014

UK drivers are falling victim to ‘ghost brokers’—be wary of these crooks…….

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Floods

Stay Safe During Flooding

January 17, 2014

Floods can strike with little to no warning—make sure you are prepared….

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Deer

Updated health and safety advice for gamekeepers and deer farmers

December 30, 2013

The Health and Safety Executive (HSE) has released updated guidance for those whose work involves moorland and lowland gamekeeping and deer farming…..

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farm-closed_01

Business interruption insurance for rural businesses

December 17, 2013

Patricia Jones, Head of CLA Insurance, explains how business interruption insurance benefits rural businesses and why a broker is essential for getting it right……

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Awards-news_03

UK schemes broker of the year 2013

November 21, 2013

Winners – UK schemes broker of the year 2013

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news---car-crash

Look out for ‘flash for crash’ insurance scams

October 10, 2013

Across the UK criminal gangs are faking or deliberately causing thousands of accidents every year just to submit fraudulent insurance claims……

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news-caution

Changes to RIDDOR

October 4, 2013

On 1st October 2013, important changes to the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations (RIDDOR) came in to effect….

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news- gavel

Legal reform may reduce insurance costs for all

September 18, 2013

This year the Ministry of Justice (MoJ) implemented the largest overhaul of the legal framework in England and Wales in over a decade……

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flooding_03

Don’t get washed out, simple flooding advice from CLA Insurance

September 3, 2013

Flooding is becoming an increasingly likely problem for home owners and businesses in the UK to contend with……

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Pollution

Farming Ranks Second on DEFRA List of Serious Polluters

August 22, 2013

Recent figures published by DEFRA found that agriculture was responsible for nearly 15% of all serious pollution incidents in the UK….

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news-image

Renewable Energy Insurance Issues

July 18, 2013

CLA Insurance Services’ Paul Marsh highlights some of the insurance issues for anyone entering the renewable…

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goingforgold

Going for Gold

July 11, 2013

With the world’s economy continuing to face ever-increasing turmoil, the market for precious…

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