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cold weather
Business Advice

When should employees stay home to build a snowman?

As climate change brings unpredictable weather patterns and extremes, it has never been so important for businesses to have an adverse weather policy. Organisations must balance the need for business continuity against the requirement to avoid unnecessary risk. Without an adverse weather policy, employees may be uncertain about the rules that apply during harsh weather

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Movie
Business Advice

Movie Liability: Missed insurance claims in Tinseltown

Is Christmas really Christmas without the classic films that seem to have been with us forever? There are few better feelings over the festive period than cosying up with snacks in front of our favourite movie. For the characters involved, though, it’s stressful, humiliating and often painful. Without further ado, we take a look at

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employment law
Liability Insurance

Employment Law: Is my boss allowed to…

When we need an answer to a burning question, it’s common for many of us turn to Google. But when it comes to employment law, the public has been asking the search engine some worrying questions about exactly what powers bosses do and don’t have over their employees. Here are some of the questions, and

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Christmas party
Liability Insurance

Keeping things merry at the office Christmas party

‘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

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flood season
Flood Insurance

Flood Season Is Here: How to Recover After Natural Disasters

The Met Office recently announced storm names for 2018-19, meaning flood season is officially here and set to make waves across the UK once again. In recent years, the threat of flooding has increased significantly, and these rough waters don’t appear to be leaving anytime soon. In fact, the Met Office predicted climate change could

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Cold weather
Business Advice

Cold weather risks faced by small businesses

A few inches of powdery snow might send the nation into a frenzy, but business owners will testify that the prospect of a day off work can have a serious impact on profits. However, a little bit of preparation can be key to avoiding disruption due to cold weather – and business interruption.  Employee Attendance Bad

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business continuity
Business Interruption Insurance

Stronger storms and floods stress need for business continuity planning

Hurricanes Harvey and Irma caused an estimated $150 billion to $200 billion in damages to Texas and Florida in the United States, according to Moody’s Analytics. The increased devastation by hurricanes in the States has a connection to the heightened risk of unprecedented rainfall in the United Kingdom. This winter, the Met Office predicts a

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business enterprise
business insurance

Is ‘finding your niche’ really the key to a small business enterprise?

Before you launch your business, you’ll no doubt have thought long and hard about what your business is; what it sells, how it sells it and crucially, who it sells to. Your target audience is essential. After all, it’s these customers that will dictate the fate of your firm, whether it flourishes into a larger

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insurance types
Liability Insurance

3 of the most misunderstood insurance types for businesses

Starting a business is exhilarating. Insurance isn’t. Dependent on the type and size of your business, you’ll likely need some level of insurance to legally satisfy your business duties. Checking out insurance types and deciding which is and isn’t applicable to you, is stressful, time-consuming and can make you feel out of your depth. Due

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data breach
Cyber Liability Insurance

How to handle a data breach in your organisation

It’s a good idea for businesses to introduce both an internal and external plan of action should a data breach occur within their business. This will mean that your team will be better prepared and will have an increased chance of getting things right the first time. Ultimately, this could serve towards limiting damage to

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Lockyers is a trading name of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (reference number 313250). Registered Office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Registered in England & Wales No. 04043759.
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