Liability insurance is easy to buy but you need to make sure that the cover is appropriate for the legal and moral risks faced by your business. In the simplest sense it refers to something that causes a problem or hindrance. An example is, if your health and safety standards slip this could result in
There are two main reasons why you should take out employers’ liability insurance: firstly, to avoid your business being wiped out by a substantial claim for compensation by an employee being injured or killed at work. Secondly, you’re almost certainly obliged by law to take out a policy. Businesses without at least £5m of cover
‘Tis the season of the office Christmas party, a chance for employees to let their hair down, have a drink and get merry. But a party atmosphere, uninhibited staff members and too many complimentary white wines can sometimes have a less-than-desired effect. The NHS says that more than 80,000 people require hospital treatment every year
