Some cleaning contractors may be exposing themselves to risk that are not insured by choosing to take the most basis form of public liability cover.
Although these contractors will undoubtedly be paying a lower premium, they will be exposing themselves to some risk that can be insured under the range of policies more specifically designed for the cleaning industry.
A specialist cleaning contractor’s policy will generally include the following risks:
• Damage to property being worked on
• The security to customers premises (i.e. a cleaner fails to lock up properly)
• Loss of keys
• Misuse of customers phones
• The treatment risk in respect of carpet cleaning
• Theft by employees (this can normally be cover for an extra cost)
For more information on the various products available please contact Tony Gibbs on 0118 9452944 or email tony.gibbs@macbeths.co.uk
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Wednesday, 13 October 2010
Employers Liability Crackdown!
The Health & Safety Executive (HSE) are cracking down on employers who are neglecting to insure their compulsory employer’s liability risks. The HSE can impose fines of up to £2500 for any day on which an employer is without suitable insurance. If they do not display the certificate of insurance or refuse to make it available to HSE inspectors when they ask, they can be fined up to £1000.
Recent statistic revealing that up to 20% of small business may be running the risk with no insurance. Unfortunately, lack of knowledge is no excuse as far as the HSE is concerned and they have already set up a telephone helpline where employees can report their employers’ if they believe they do not have the correct cover.
For further advice on employer’s liability insurance contact Tony Gibbs on 0118 9452944 of email tony.gibbs@macbeths.co.uk
view full post
Recent statistic revealing that up to 20% of small business may be running the risk with no insurance. Unfortunately, lack of knowledge is no excuse as far as the HSE is concerned and they have already set up a telephone helpline where employees can report their employers’ if they believe they do not have the correct cover.
For further advice on employer’s liability insurance contact Tony Gibbs on 0118 9452944 of email tony.gibbs@macbeths.co.uk
view full post
Wednesday, 22 September 2010
Macbeth's in Insurance Professional Magazine!!
Macbeth's were recently mentioned in an excellent article in Insurance Professional which is a leading publication from Axa Insurance.
Why not take a look by by clicking here view full post
Why not take a look by by clicking here view full post
Tuesday, 21 September 2010
David Mann joins the Macbeth Team
Reading based Macbeth Chartered Insurance Brokers (MCIB) have announced the appointment of David Mann as senior client manager.
Prior to joining MCIB, David was commercial account handler at Jelf Group. He has 25 years experience in the insurance sector having also worked for Axa as a motor fleet underwriter, and for BJP and AON in commercial account handling roles.
Paul Macbeth, Managing Director of MCIB said, “This is a terrific appointment for us as David brings a wealth of experience and expertise with him.
"He will be an important asset to our business as we strive to become recognised as the specialist insurance broker for both wealthy individuals and commercial organisations in Berkshire and surrounding counties, including the M4 and M3 corridors, and London.
“MCIB prides itself on providing a very high level of service to our clients and providing them with suitable professional advice on their insurance needs - underlined by our Chartered status.”
Mann said, “MCIB is a professional modern business with a fresh approach to insurance that offers experience, integrity and an extremely high level of personal customer service, and I look forward to being part of that team.
www.macbeths.co.uk
Type rest of the post here view full post
Prior to joining MCIB, David was commercial account handler at Jelf Group. He has 25 years experience in the insurance sector having also worked for Axa as a motor fleet underwriter, and for BJP and AON in commercial account handling roles.
Paul Macbeth, Managing Director of MCIB said, “This is a terrific appointment for us as David brings a wealth of experience and expertise with him.
"He will be an important asset to our business as we strive to become recognised as the specialist insurance broker for both wealthy individuals and commercial organisations in Berkshire and surrounding counties, including the M4 and M3 corridors, and London.
“MCIB prides itself on providing a very high level of service to our clients and providing them with suitable professional advice on their insurance needs - underlined by our Chartered status.”
Mann said, “MCIB is a professional modern business with a fresh approach to insurance that offers experience, integrity and an extremely high level of personal customer service, and I look forward to being part of that team.
www.macbeths.co.uk
Type rest of the post here view full post
David Mann joins the Macbeth Team
Reading based Macbeth Chartered Insurance Brokers (MCIB) have announced the appointment of David Mann as senior client manager.
Prior to joining MCIB, David was commercial account handler at Jelf Group. He has 25 years experience in the insurance sector having also worked for Axa as a motor fleet underwriter, and for BJP and AON in commercial account handling roles.
Paul Macbeth, Managing Director of MCIB said, “This is a terrific appointment for us as David brings a wealth of experience and expertise with him.
"He will be an important asset to our business as we strive to become recognised as the specialist insurance broker for both wealthy individuals and commercial organisations in Berkshire and surrounding counties, including the M4 and M3 corridors, and London.
“MCIB prides itself on providing a very high level of service to our clients and providing them with suitable professional advice on their insurance needs - underlined by our Chartered status.”
Mann said, “MCIB is a professional modern business with a fresh approach to insurance that offers experience, integrity and an extremely high level of personal customer service, and I look forward to being part of that team. view full post
Prior to joining MCIB, David was commercial account handler at Jelf Group. He has 25 years experience in the insurance sector having also worked for Axa as a motor fleet underwriter, and for BJP and AON in commercial account handling roles.
Paul Macbeth, Managing Director of MCIB said, “This is a terrific appointment for us as David brings a wealth of experience and expertise with him.
"He will be an important asset to our business as we strive to become recognised as the specialist insurance broker for both wealthy individuals and commercial organisations in Berkshire and surrounding counties, including the M4 and M3 corridors, and London.
“MCIB prides itself on providing a very high level of service to our clients and providing them with suitable professional advice on their insurance needs - underlined by our Chartered status.”
Mann said, “MCIB is a professional modern business with a fresh approach to insurance that offers experience, integrity and an extremely high level of personal customer service, and I look forward to being part of that team. view full post
The Cost of Beauty
One of my asscociates recently visited a client’s property and met a very risk aware client.
She had a number of vanity mirrors on dressing tables that looked out over the garden and rambling fields beyond. I advised her of the perils of vanity mirrors and how they can easily cause fires if angled in such a way to deflect the sun’s rays onto combustible material. She told me that she knew of this problem only too well and showed me the effects of what can happen. Fortunately, she was in the property at the time, smelt burning and discovered the smouldering makeup container and small chest of drawers before it had a chance to fully ignite and catch the curtains that were nearby and potentially engulf their house in flames.
They were underinsured. Following my visit the buildings went from £600,000 to just over £1,000,000, the contents from £125,000 to £150,000 and the antiques from £12,000 to just over £20,000. If the whole house had gone up including the general contents, fine arts and buildings they could potentially have been out of pocket to nearly £450,000!
If you would like more details about high value home insurance or advice regarding your sums insured, please contact Paul Macbeth ACII (Managing Director) on 0118 9452 944 or paul.macbeth@macbeths.co.uk or visit www.macbeths.co.uk view full post
She had a number of vanity mirrors on dressing tables that looked out over the garden and rambling fields beyond. I advised her of the perils of vanity mirrors and how they can easily cause fires if angled in such a way to deflect the sun’s rays onto combustible material. She told me that she knew of this problem only too well and showed me the effects of what can happen. Fortunately, she was in the property at the time, smelt burning and discovered the smouldering makeup container and small chest of drawers before it had a chance to fully ignite and catch the curtains that were nearby and potentially engulf their house in flames.
They were underinsured. Following my visit the buildings went from £600,000 to just over £1,000,000, the contents from £125,000 to £150,000 and the antiques from £12,000 to just over £20,000. If the whole house had gone up including the general contents, fine arts and buildings they could potentially have been out of pocket to nearly £450,000!
If you would like more details about high value home insurance or advice regarding your sums insured, please contact Paul Macbeth ACII (Managing Director) on 0118 9452 944 or paul.macbeth@macbeths.co.uk or visit www.macbeths.co.uk view full post
Wednesday, 7 April 2010
What is meant by Business Continuity Planning?
Disaster management, business interuption call it what you like, effective Buisness Continutiy Planning is now a major issue for Insurance companies.
Business continuity planning is a holistic management process that identifies impacts that threaten a company and provides a plan for building resilience and capabilities for an effective response that safeguards the interests of its key stakeholders, reputation, brand and value creating activities.
Primarily, it is a management process that identifies potential threats that will impact on a business' ability to provide its customers with its products or services and the actions needed to ensure the immediate future following any major disruption. Or causes your business 'interuption'. How long can your company survive and 'interuption' before you start to lose money, your place in the market or your reputation?
Everyone involved in business has a duty of care in respect of the hazards it may cause to anyone. To take it one stage further a business needs to be able to demonstrate that it is able to meet its service levels and will cope with disasters competently because it has planned to do so.
If you would like more information on business continuity planning contact
Tony Gibbs on 0118 9452944.
www.macbeths.co.uk
view full post
Business continuity planning is a holistic management process that identifies impacts that threaten a company and provides a plan for building resilience and capabilities for an effective response that safeguards the interests of its key stakeholders, reputation, brand and value creating activities.
Primarily, it is a management process that identifies potential threats that will impact on a business' ability to provide its customers with its products or services and the actions needed to ensure the immediate future following any major disruption. Or causes your business 'interuption'. How long can your company survive and 'interuption' before you start to lose money, your place in the market or your reputation?
Everyone involved in business has a duty of care in respect of the hazards it may cause to anyone. To take it one stage further a business needs to be able to demonstrate that it is able to meet its service levels and will cope with disasters competently because it has planned to do so.
If you would like more information on business continuity planning contact
Tony Gibbs on 0118 9452944.
www.macbeths.co.uk
view full post
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