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Don’t Hit the Slopes Without the Right Cover
Don’t Hit the Slopes Without the Right Cover
An estimated 1.75 million Britons will go on a ski holiday this winter, according to the UK association for tour operators and travel agents, Abita. However, 33 per cent of Britons admit to not checking to see if their travel insurance covers winter sports. This is especially troubling, as from 2012-16, there were 58 deaths, 118 hospitalisations, and thousands of injuries from skiing and snowboarding...

Protect Your Vehicle as Theft Rates  Soar
Protect Your Vehicle as Theft Rates Soar
Even though car manufacturers have included sophisticated anti-theft devices in their vehicles, such as engine immobilisers and keyless ignitions, thieves have discovered ways to sidestep them. Unfortunately, there has been a 30 per cent increase in the number of vehicles stolen over the past three years, according to government data. What’s more, the number of insurance claims for stolen vehicles...

Follow These Recommendations to Keep Your Pipes From Freezing
Follow These Recommendations to Keep Your Pipes From Freezing
The average claim for burst pipe damage is £7,500, according to the Association of British Insurers. Generally, pipes that are exposed to outdoor temperatures and pipes that run along exterior walls with minimal insulation tend to freeze more easily. To ensure that your pipes stay warm all winter, follow these nine recommendations:

1. Set your thermostat to at least 12C and keep the heat...

HSE News and Prosecutions
HSE News and Prosecutions
New HSE Inspection Initiative Targets Food Manufacturers
In early January, the HSE began proactive inspections, which will review health and safety standards in food manufacturing businesses across the country. The inspections will be unannounced and focus on two of the main causes of ill health in the sector: occupational asthma and musculoskeletal disorders (MSDs). Exposure to flour dust is the...

The Winter Health & Safety Hazards that Cost Employers the Most Money
The Winter Health & Safety Hazards that Cost Employers the Most Money
The winter months bring more than just cold weather and shorter days—they also expose your organisation to seasonal health and safety hazards. Five of the most common and costly of these risks are as follows:

1. Lower temperatures can impact an employee’s judgement and reflexes, which could impact productivity or lead to an injury and a liability claim.
2. Slips, trips and falls...

How Will GDPR Impact Health and Safety?
How Will GDPR Impact Health and Safety?
On 25 May, the General Data Protection Regulation (GDPR) will come into force, which does not leave your organisation with too much time to comply. In fact, 75 per cent of organisations indicate that they will struggle to meet the compliance deadline, according to a 2017 survey from software company, Varonis Systems Inc. 

The GDPR will impact how your organisation handles sensitive personal...

Bellwether Survey Reveals What Will Keep CEOs Up at Night in 2018
Bellwether Survey Reveals What Will Keep CEOs Up at Night in 2018
Confidence in potential growth both within the United Kingdom and abroad is high, and has caused the attitude in UK boardrooms to be the most optimistic it’s been in 18 months, according to the FT-ICSA Boardroom Bellwether survey. However, this enthusiasm is not without its complications. In fact, there are several situations that UK boardrooms are worried about in 2018. According to the survey,...

The 6 Things You Can Do to Improve Employees’ Mental Health
The 6 Things You Can Do to Improve Employees’ Mental Health
A staggering 89 per cent of employees feel uncomfortable discussing their mental health with their managers, according to a report from Business in the Community. 

That figure is especially troubling, as approximately 1 in 4 people in the United Kingdom experience a mental health problem each year, according to the NHS. This costs UK employers between £33 billion and £42...

New ICO Guidance to Help You Market Under the GDPR
New ICO Guidance to Help You Market Under the GDPR

This past December, the Information Commissioner’s Office (ICO) updated its existing General Data Protection Regulation (GDPR) consent guidance to include the new Article 29 Working Party (Art. 29 WP) clarifications. The Art. 29 WP is an advisory body made up of representatives from the data protection authority of each EU member state, the European Data Protection Supervisor and the European...

HSE Releases 2016/17 Statistics
HSE Releases 2016/17 Statistics

The HSE recently published its 2016/17 health and safety statistics report, which provides a way for your organisation to review how it fares in regard to the rest of the country. Here are six key figures from 2016-17:

1. An estimated 516,000 individuals were diagnosed with an illness that they contracted through their workplace environments.

2. More than 31 million working...

The Legislative and Regulatory Risks Threatening Your D&Os
The Legislative and Regulatory Risks Threatening Your D&Os
Over the past several years, UK legislation and regulations have greatly expanded the potential number of risks that directors and officers (D&Os) may have to handle. To protect your D&Os, guard against these five legislative and regulatory risks in 2018:

1. Companies Act 2006 — This outlines the duties and responsibilities of directors and officers. Most often, legal...

#MeToo: Preventing Workplace Harrassment and EPL Claims
#MeToo: Preventing Workplace Harrassment and EPL Claims
By now, you most likely have seen the hashtag ‘#MeToo’ used on social media to denounce sexual assault and harassment. The movement began in the wake of sexual misconduct allegations against US film producer and executive Harvey Weinstein.

This movement highlights the importance of professional ethics and employment practices liability (EPL) for employers as well as directors and...

4 Months Until the GDPR Deadline. Are You Compliant?
4 Months Until the GDPR Deadline. Are You Compliant?
The 25 May 2018 deadline to comply with the General Data Protection Regulation (GDPR) is rapidly approaching. Yet a staggering 41 per cent of UK organisations are still unaware of the implications that the GDPR will have on their business, according to research from electronics company, Kyocera.

What’s more, only 36 per cent of UK organisations have started GDPR implementation, according...

Winter Driving Puts Your Workers at Risk
Winter Driving Puts Your Workers at Risk
According to a recent report from the Department for Transport, road deaths have increased by 4 per cent this year. Driving conditions during the winter can be unpredictable and can change several times throughout the day. The limited amount of daylight can make these conditions even more hazardous, as the dark hides ice and further impairs visibility. If you have employees that regularly drive for...

Recent Health & Safety News and Prosecutions
Recent Health & Safety News and Prosecutions
Company Fined After Exposing Workers to HAVS

The HSE fined the Charter Housing Association Ltd £100,000 and ordered it to pay costs of £9,896.88 after six cases of hand arm vibration syndrome (HAVS) were reported. During its investigation, the HSE found that the organisation did not adequately plan its working methods, provide thorough education and training on how to mitigate HAVS,...

Crime and Fraud Exposure Test
Crime and Fraud Exposure Test
Following the article we wrote on typical types of Crime, and How to Protect Your Business with Crime Cover, which you can read here, we have also put together an interactive test that helps determine your company's level of exposure to a costly incident of internal or external crime or fraud.

Crime Exposure Test:
FreeEasy to use Built in an Excel spreadsheet formatCan...

Addressing the Elephant in the Boardroom: GDPR Preparation
Addressing the Elephant in the Boardroom: GDPR Preparation

Only 10 per cent of UK boardrooms are involved in the General Data Protection Regulation (GDPR) compliance process right now, with only about six months to go until the GDPR becomes law, according to research from security software and solutions provider, Trend Micro. What’s more, 56 per cent of UK organisations are unaware that email marketing databases count as personal information under...

Protect Your Business with Crime Cover
Protect Your Business with Crime Cover

You may think that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimised by fraud or theft. 

Thieves (including your employees) do not need direct access to cash to steal from you—merchandise, supplies and securities are all vulnerable. Criminals...

Government U-Turn on the Ogden Discount Rate
Government U-Turn on the Ogden Discount Rate
In March 2017, the government announced a cut in the discount rate which is applied to insurance compensation payments for long-term bodily injury calculations, from 2.5% discount to 0.75% loading. This change increased claims reserves and settlement amounts for any new and pending claims.

The decision led to widespread criticism from the insurance industry, due to the immediate impact...

7 Tips to Obtain GDPR Consent
7 Tips to Obtain GDPR Consent
On 25 May 2018, the General Data Protection Regulation (GDPR) comes into effect, which expands the rights of individuals and their data while placing greater obligations on organisations that process personal data.

However, one of the most important GDPR changes involves strengthening consent standards. Failure to obtain proper consent to process data, which includes contacting individuals,...

How to Protect Your Business From Bad Debt?
How to Protect Your Business From Bad Debt?
Whether trading and offering a credit line to your customers in settled times, let alone times of economic turbulence,
a Credit Insurance policy serves as a very powerful and beneficial financial tool.

Credit insurance (often referred to as “customer bad debt protection”) offers you the peace of mind and comfort that your credit sales are covered from the risk of your buyer...

Understanding GDPR Consent
Understanding GDPR Consent
The General Data Protection Regulation (GDPR), or the Data Protection Bill, will come into force on 25 May 2018. Despite there being less than a year for UK organisations to become compliant, the Information Commissioner’s Office (ICO) has yet to finalise its consent guidance, which it plans to release in December. As the specifics surrounding consent requirements under the GDPR are still subject...

ICB vs 8 Peaks Challenge - The Video
ICB vs 8 Peaks Challenge - The Video
Well done to the ICB Team who successfully completed the 8 Peaks Challenge 2017 on 2nd September, 2017.

The team set out at 7.30 am, and reached the finish line approximately 6.00 pm. The spirits were high throughout the trek, as they were blessed with immaculate weather and a brilliant guide.
  
Big thank you to all the supporters who helped us raise approximately £4,800...

Building Cladding / Panelling - The Essentials
Building Cladding / Panelling - The Essentials
Introduction
It is now a little while since the tragic events of the Grenfell Tower fire disaster and there are many investigations going on as to what the issues were, and what issues remain, in other buildings of a similar construction.
Inevitably, this has led to questions from a number of our clients and contacts as to what the implications may be for them and their businesses and what can...

ICB Group 8 Peaks Lake District Challenge - Surrey Hills Practice – Saturday 19th August
ICB Group 8 Peaks Lake District Challenge - Surrey Hills Practice – Saturday 19th August
With two weeks to go until our 8 peaks challenge the team underwent their toughest exercise to date in preparation for the 2nd  September.  
Aim – trek for 16k’s up and down the hills until we’d had enough basically
Team members – 7 out of the magnificent 11 attended
Conditions – Gloriously sunny (SPF weather for some of us)
Results –...