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How will ‘while you’re out’ deliveries affect home insurance?
How will ‘while you’re out’ deliveries affect home insurance?
At a glance
A number of retailers now offer ‘in-home’ delivery services – shopping is delivered to the customer’s property and packed away while they’re outThe service is made possible by smart lock technology, which gives delivery drivers a temporary access code to enter the propertyWe discuss the potential risk implications of in-home deliveries
Online shopping...

Company Fined After Worker Suffers Fall From Lorry
Company Fined After Worker Suffers Fall From Lorry
A manufacturing company has been fined after an employee suffered multiple injuries due to a fall from height incident. The worker was unloading a lorry at the manufacturing site when he fell from the lorry bed. The fall resulted in multiple fractures of his head, ribs, shoulder blade and fingers. His injuries caused him to miss five months of work.

Further investigation revealed that the company...

Here's Why Fire Safety Needs to Be a Top Priority in Your Workplace
Here's Why Fire Safety Needs to Be a Top Priority in Your Workplace
Although summer has come and gone, there are still some burning-hot risks hiding in your workplace. Indeed, regardless of the temperature outside, an on-site fire could wreak havoc within your organisation at any time. What’s more, recent government statistics revealed that there has been an increase in fire-related incidents across the UK this past year. 

And the ramifications of...

Data Reveals Compliance Is a Top Risk for SMEs: Use This Guidance
Data Reveals Compliance Is a Top Risk for SMEs: Use This Guidance
It's no secret that SMEs face unique risks when compared to the average business, given their size and financial limitations. However, recent research revealed that the biggest concern facing SMEs has nothing to do with managing costs, but rather following the law. 

In fact, nearly 60 per cent of SMEs reported that the most worrying risk for their business is regulatory compliance. Regardless...

How Your Business Contracts May Be Affected by a No-deal Brexit
How Your Business Contracts May Be Affected by a No-deal Brexit
Less than a few weeks remain until Brexit officially takes place on 31st October 2019. As this date looms closer on the calendar, the possibility of a no-deal scenario is still a reality—making it crucial for your organisation to be prepared for such a result. Specifically, any contracts that your business has—whether with customers, suppliers or partners—could be impacted by a no-deal...

Sex Discrimination Claims Are on the Rise: Here's What You Can Do
Sex Discrimination Claims Are on the Rise: Here's What You Can Do
Although it has been nearly two years since the historic hashtag made its debut, recent data revealed that organisations throughout the UK are continuing to experience a significant rise in sex discrimination claims as a result of the #MeToo movement. 

Indeed, the employment tribunal reported that the number of work-related sex discrimination claims has soared by nearly 70 per cent in the...

Would Your Business Survive the loss of a Key Person?
Would Your Business Survive the loss of a Key Person?
‘52% of businesses would cease trading in under a year if a key person died or became critically ill’reports Legal & General’s ‘State of the Nation’ SME research. Although small and medium enterprises are more vulnerable, losing a key person can be detrimental to businesses of any size.
The worrying factor is that in the SME sector only 18% of businesses have insurances...

Students Need Contents Cover Now More Than Ever: Are Your Kids Protected?
Students Need Contents Cover Now More Than Ever: Are Your Kids Protected?
Even though your kids may be back at school or university, and school supply shopping has come and gone, there's still one item on the shopping list that you shouldn't forget: insurance. 

That's right - contents insurance is a critical form of cover for students, seeing as they are constantly using a variety of expensive technology items to complete their school work. 

In fact,...

Don't Let Your Home Go Up in Flames:  Use These House Fire Prevention Tips
Don't Let Your Home Go Up in Flames: Use These House Fire Prevention Tips
While you might be focused on protecting your home from seasonal risks—such as autumn leaves clogging the gutters—recent research revealed that one of the most prevalent household risks is a year-round concern. Indeed, the latest government data found that there has been an increase in fire-related incidents throughout the UK this past year. And a fire in your home could have devastating...

Make an Effort to Prioritise Mental Health at Work: Here’s Why
Make an Effort to Prioritise Mental Health at Work: Here’s Why
It's vital for your employees to feel comfortable and supported in sharing any worries or concerns they have regarding their health at work. Nevertheless, recent research found that this is hardly the case for UK workers - especially in the realm of mental health. 

In fact, while over 40 per cent of employees reported feeling comfortable with discussing their physical health conditions...

Don't Ignore Near-miss Reporting: Here's Why
Don't Ignore Near-miss Reporting: Here's Why
Following a serious accident on-site, many employers respond by re-evaluating their workplace risks and controls to determine what went wrong and how they can reduce the likelihood of future incidents. But in reality, many work-related accidents can be prevented altogether with the implementation of an effective near-miss reporting system. Indeed, the HSE defines a near-miss as an incident that didn’t...

Recent Health & Safety News and Prosecutions
Recent Health & Safety News and Prosecutions
Company Fined After Child Dies From Falling Gate

An electric gate company was recently fined after a young boy died from a falling gate incident. The boy was playing on the gate in an underground car park by pushing it open and closed. But the gate—which was installed by the company—lacked an end stop, which allowed the boy to push the gate beyond the retaining mechanism. 

As...

Here's How the Increased Ogden Rate Will Impact Your Insurance
Here's How the Increased Ogden Rate Will Impact Your Insurance
Lord Chancellor David Gauke recently announced a new Ogden Rate (also known as the Discount Rate) of -0.25 per cent for personal injury awards. This new rate, which represents a 0.5 per cent increase from the previous rate of -0.75 per cent, came into effect on 5th August 2019. The government made the decision to increase the Ogden Rate after the old rate led to concerns that victims of life-changing...

Revealed: Data Finds Employers Aren't Taking Staff Risks Seriously
Revealed: Data Finds Employers Aren't Taking Staff Risks Seriously
While your organisation likely has measures in place to protect your employees from top workplace risks, such as slips and trips or asbestos exposure, a recent survey discovered that many firms are failing to account for far more prevalent staff risks. 

Indeed, common employee concerns such as bereavement or being diagnosed with a serious health condition can significantly impact workplace...

Why Your Board Needs to Bolster Their Cyber-Security Involvement
Why Your Board Needs to Bolster Their Cyber-Security Involvement
Although cyber-security has remained a top concern for UK organisations, recent data revealed that senior managers have yet to join the conversation. The government’s Cyber Governance Health Check discovered that just 16 per cent of corporate leaders demonstrated a full understanding of the potential impacts that a cyber-attack could have on their organisation. What’s worse, more than 30...

Exciting Opportunities to Join Our Expanding Teams
Exciting Opportunities to Join Our Expanding Teams
ICB is part of the European broking group Verlingue, a large, expanding family owned business.
We are recruiting an experienced Risk Management Executive to join our internal Risk Management team ideally to be based in Egham but Redhill is also an option.

The role will involve working as part of a team of 4 providing complimentary Risk Management services to clients and prospects alike. The...

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...