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Garden Theft Is on the Rise: Use This Guidance to Keep Your Lawn Safe
Garden Theft Is on the Rise: Use This Guidance to Keep Your Lawn Safe
While summer can be a season filled with fresh blooms and the addition of colourful fauna throughout your garden, it’s also a time that carries an elevated risk of theft. And this concern isn’t to be confused with a few missing or munched-on leaves as a result of a small creature’s empty stomach—recent statistics revealed that the theft of valuable garden items (e.g. pots, tools,...

The Benefits of Choosing a Chartered Insurance Broker
The Benefits of Choosing a Chartered Insurance Broker
We would like to use this opportunity to remind you of our Chartered Insurance Broker's status, and what this means for our clients.


What our Chartered status means for you?What do you look for in your firm of insurance advisers? That it is ethical and puts your interests first? That its people are compete, knowledgeable and committed to maintaining their professional capability? Those are...

Why the Giant British Airways Fine Highlights Extra Struggles for SMEs
Why the Giant British Airways Fine Highlights Extra Struggles for SMEs
Following the implementation of the GDPR, it's no secret that suffering from a cyber-attack can wreak havoc on your organisation - just look at British Airways. The company was recently fined a record £183 million for last year's data breach. The ICO said it was the biggest penalty it had handed out and the first to be made public under new rules. 

What Happened?

Users...

How to Prepare for the Day After a ‘No-deal’ Brexit
How to Prepare for the Day After a ‘No-deal’ Brexit
Despite the six month delay to the Brexit deadline, granted by the EU leaders to the UK in April 2019, it doesn’t appear that a lot of process has been made since then. Uncertainty, and the possibility of a ‘no-deal’ Brexit and what the potential implications of this are, is putting UK citizens under a lot of pressure. 
In the event that the UK and EU fail to negotiate...

The Ogden discount rate has been increased
The Ogden discount rate has been increased
When the Ogden rate was initially reduced from 2.5% to -0.75% in March 2017 we wrote to our clients setting out the detail of what had changed and the potential implications. We received very positive feedback on this and given the latest announcement on Monday 15 July we thought it may be useful to explain the new position and what this may mean for you.

Read our previous article on the Ogden...

Company Sentenced After Employee Suffers Serious Injuries to Face
Company Sentenced After Employee Suffers Serious Injuries to Face
A manufacturing company and the organisation’s director were sentenced with various fines after an employee was dragged into a rotating drive shaft.

The employee was working in a production line when her hair got caught in the rotating shaft, resulting in the loss of her scalp, ears and one of her thumbs. Further investigation revealed that the production line lacked adequate safety guards....

These Intangible Threats Are Top Culprits of Business Interruption
These Intangible Threats Are Top Culprits of Business Interruption
Today’s evolving risk landscape contains a wide range of intangible threats—cyber-attacks, broken supply chains and the mental health of your employees, to name a few—that all have the potential to cause noticeable business interruption within your organisation. In fact, recent research found that 20 per cent of organisations feel ill-prepared for unforeseen events in 2019. Clearly,...

Don’t Skip out on Environmental Cover: Debunking Common Myths
Don’t Skip out on Environmental Cover: Debunking Common Myths
Whether your organisation conducts business operations at the construction site, on the road or in the confines of an office building, it’s crucial to consider your environmental liability exposures and purchase proper cover as protection. 

Nevertheless, many organisations are quick to reject the importance of having an insurance policy for environmental concerns—justifying...

Workplace Fatality Figures Revealed: How You Can Protect Your Employees
Workplace Fatality Figures Revealed: How You Can Protect Your Employees
Although most organisations make an effort to limit the risk of employees suffering from workplace injuries, many employers don't consider the troubling aftermath that would arise if an on-site injury resulted in a fatality. And recent data from the HSE revealed that work-related deaths are more prevalent than you might realise. In fact, 147 workers were killed in 2018-19, representing an additional...

Long Read: Presenting Employee Benefits to the Board
Long Read: Presenting Employee Benefits to the Board
How Employee Benefits can help promote workforce productivity, engagement, and satisfactionSometimes convincing senior management of the benefits of spending money on Employee Benefits (EB) can be a challenge. HR requests for additional budget will be assessed against other business requirements and often EB spend is moved to the category of “nice to have but non essential”.

It is...

Insurance Solutions for Tech Start-ups
Insurance Solutions for Tech Start-ups
Initiating a start-up business is a major professional commitment that can lead you to a path of immense financial success and a well-respected entrepreneurial reputation. Indeed, you never know whether your debut business idea could develop into the next big thing and reap significant profits for years to come. What’s more, recent data revealed that start-up organisations are on the rise. In...

Exciting Opportunities to Join Our Expanding Teams in Egham and Redhill
Exciting Opportunities to Join Our Expanding Teams in Egham and Redhill

ICB is part of the European broking group Verlingue, a large, expanding family owned business.
Our Corporate teams are recruiting two Client Directors, 1 to be based in our Egham office and 1 to be based in our Redhill office.
The role will be development focused but will also include servicing a number of existing clients. We are looking for qualified...

Seeing the Road Ahead – Fleet Managers’ Duty on Employee Vision
Seeing the Road Ahead – Fleet Managers’ Duty on Employee Vision
Seeing the Road Ahead – Fleet Managers’ Duty on Employee Vision

It is general knowledge that it’s illegal to drive a vehicle without necessary corrective eye-wear and drivers who break the law can be fined, have points on their licence or even jailed in extreme cases. What about the employers, those that run fleets of vehicles? Do they have a legal responsibility to ensure...

Recent Health & Safety News and Prosecutions
Recent Health & Safety News and Prosecutions
Several Parties Sentenced After Worker Fell From Height

A company, two directors and a contractor received various sentencings after an electrician fell from height through an unprotected stairwell. The employee was performing electrical work on a property owned by the contractor when he fell from a damaged board and landed on the concrete floor, suffering several fractures, a bleed on the brain...

Sun Safety Can Save a Life: Here's How  to Protect Employees From the Heat
Sun Safety Can Save a Life: Here's How to Protect Employees From the Heat
While the warm temperatures and increased sunshine that summertime brings can be an exciting change of pace for your employees, this seasonal heat can also expose workers to additional life-threatening health risks on-site. Indeed, ultraviolet (UV) radiation from the sun's rays is a serious risk for employees who work outdoors in the summer - recent data found that outdoor workers experience five to...

Here's What Your Business Can Learn From the Notre Dame Fire
Here's What Your Business Can Learn From the Notre Dame Fire
As flames engulfed the Notre Dame Cathedral this past April, such a tragedy emphasised the grim reality that no building is immune to the costly consequences of a fire. Review these lessons learned from past fire disasters to ensure your organisation is practising proper fire prevention and mitigation methods:

Eliminate common causes - Try to eliminate commonly overlooked causes of fires, such...

Protect Your Organisation: Theft Against Businesses Is on the Rise
Protect Your Organisation: Theft Against Businesses Is on the Rise
Theft is a serious concern for any organisation, regardless of size or industry. What’s more, recent research revealed that theft against businesses is on the rise. 

In fact, the Crime Survey for England and Wales discovered an 8 per cent increase in theft offences between 2017 and 2018—totalling over 3.5 million reported cases over the course of just one year. Between physical...

Employers – are your employees adequately protected when they travel overseas?
Employers – are your employees adequately protected when they travel overseas?

April's terror attacks in Sri Lanka that killed over 250 people, many from the UK and Europe, have highlighted the importance of having travel insurance, and prompted us to advise our clients to review their insurance arrangements for employees who travel overseas.
Employers have a legal responsibility to look after the welfare and safety of their staff when they are travelling, yet in many...

Company Fined After Two Employees Fall From Height
Company Fined After Two Employees Fall From Height
A construction company recently received a significant fine following a fall from height accident that left two workers injured. The employees were working on a new build of three terraced houses and had gained unrestricted access to a timber-joisted floor. The workers then fell through the ceiling and sustained serious injuries—causing them to be unable to return to full time work. 

Further...

Sitting Is a Silent Killer: Help Employees Avoid Sedentary Risks in the Workplace
Sitting Is a Silent Killer: Help Employees Avoid Sedentary Risks in the Workplace
While you might envision a high-risk workplace as one that places employees in frequently hazardous situations—such as handling machinery, dealing with dangerous substances or performing heavy lifting—recent research revealed that sedentary behaviour (e.g. sitting for extended periods) is one of the largest culprits of work-related injury and ill-health. Indeed, over 80 per cent of UK office...

These 5 Topics Continue to Widen Your Leadership's D&O Liability
These 5 Topics Continue to Widen Your Leadership's D&O Liability
The past few years have seen a significant increase in directors and officers (D&O) being held legally accountable for organisational mistakes or failures. And, in a constantly evolving risk landscape, you can't afford to ignore the following top D&O liability risks:

1. Compliance - Recent regulations have given added responsibilities to senior leadership roles, making it vital to comply...

Here's How Organisations Are Handling Their Cyber-Security Risk
Here's How Organisations Are Handling Their Cyber-Security Risk
Every year, the Department for Digital, Culture, Media & Sport releases their annual Cyber Security Breaches Survey. This year’s data allows organisations to take a closer look at top cyber-threats, analyse the impacts of disruptive breaches and understand the importance of managing cyber-security risks. Indeed, 32 per cent of businesses and 22 per cent of charities experienced a cyber-attack...

As Brexit Stockpiling Soars, So Do Your Risks - Consider These Tips
As Brexit Stockpiling Soars, So Do Your Risks - Consider These Tips
Although the official date of Brexit was recently postponed until 31st October 2019, organisations across the country are continuing to prepare for the possibility of a 'no-deal' scenario in the coming months. And, of the various methods businesses are using, stockpiling has quickly emerged as a popular practice to reduce no-deal risks. Stockpiling - which entails importing and storing more materials...

British Steel collapses into insolvency
British Steel collapses into insolvency

It was announced yesterday that yet another substantial, seemingly unshakeable company has collapsed into liquidation. The compulsory liquidation puts 5,000 jobs at risk, as well as endangering 20,000 more in the supply chain, according to the BBC. The Independent adds that insolvency experts are labelling British Steel’s demise as the “first heavyweight casualty of Brexit”, and...

Be Cautious of Caller ID: Top Tips to  Prevent This New Form of Fraud
Be Cautious of Caller ID: Top Tips to Prevent This New Form of Fraud
In the era of evolving technology, fraudsters have also unfortunately joined in the race to ‘go digital’ by updating their devious methods for theft. More specifically, a new form of fraud allows scammers to fool mobile phone users into thinking an incoming call is coming from their bank via a false caller ID. When mobile phone users answer the call, they are tricked into thinking they...