- Firefighters’ strike - 25th September 2013
You may be aware that members of the Fire Brigade's Union (England and Wales) will go on strike on Wednesday 25th September 2013. In the parts of the U.K. are affected, there is a possibility that the fire and rescue services will not be able to respond to 999 calls, or response times will be longer than ushual. Due to this we would reccomend that during the strike periods businesses take additional precautions to reduce the chance of a fire occuring. Advise on how to do this can be found on the following link provided by Allianz insurance:
Additional fire Safety advised in the event of a strike
- The Importance of the Insurance Broker
Insurance Brokers can play a huge roll, not only with identifying the level of cover a business requires but also helping with a claim should one ever occur. In these times of economic uncertainty Financial Directors and business proprietors can be forgiven for not wanting to be distracted by what may seem an administrative chore, only for this to lead to serious consequences following an insured event..
The one thing that is true of all insurance policies if one does not read the policy in detail, when it is taken out, you most certainly will wish you had when it comes to making a claim. Getting the right level of business cover is particularly pertinent today to avoid crippling losses in already difficult times.
Take a look at the article on the link below to see just how insurance brokers can assist your business and how invaluable our services can be.
Why not leave your comments on our Facebook page: https://www.facebook.com/pages/Headley-Insurance-Services-Ltd/209936832374194
In these times of civil unrest we would ask you to review your Disaster Recovery and Security Plans and make sure that all those involved internally are reminded of their roles and duties in the event of a major fire or damage or if you have access to your location restricted by local law enforcement:
Things in particular to look out for are:
1. Data back up completed daily and taken off site or transmitted to a second remote storage location/server
2. Contact details of your suppliers (eg: utilities/insurers/security) stored off site so you have immediate and remote access
3. Your major client contact details stored off site so you have immediate and remote access
4. Contact details of your employees so that they can be advised of any situation before commuting
5. Take extra special care when securing your premises and make the necessary checks
Please also take into consideration the safety of your employees, not only whilst at their place of work but whilst commuting and please seek advice from your Human Resource provider/supplier/website.
Finally should you be unfortunately affected by any civil unrest please report the incident to us immediately (but definitely within 7 days) as the insurers only have 14 days to subrogate the loss.
We hope that this is of assistance but should you require further information please do not hesitate to contact us.
- New Office Insurance Scheme
Headley Insurance is pleased to announce the launch of our new office insurance scheme. We can now provide you with a market leading package offering some of the widest cover available at a rate which is sure to beat your existing premium.
The package is aimed at all offices large and small, even those with multiple locations. Some of the standards covers include All Risks for your computers and contents, public and employer’s liability, business interruption, loss of money and much, much more. Additional benefits such as website protection, crisis containment and enhanced security tagging for your portable office equipment can also be arranged.
For further information on or to obtain a quotation and start saving money please contact one of our experienced team by either phone or email today.
We look forward to being of assistance…
Our office managers have recently returned from BIBA 2011 in Manchester. A good time was had by all and we have picked up some excellent contacts as well as some promising business initiatives. Keep watching our news pages for further details and new exciting products.
- Engineering Inspection Changes:
The insurance industry will be implementing changes to the frequency of inspections for plant equipment covered under motor trade policies.
'The frequency of inspections can be dictated by regulations or by risk assessment in order to establish an acceptable periodicity'. For further information regarding the changes please review the following document kindly provided by Allianz Insurance - Change to Inspection Frequency
- Increase in IPT & VAT effective 04/01/2011
At the last UK Budget (May 2010) the Government imposed an increase of 1% on Insurance Premium Tax (IPT) and an additional 2.5% on Value Added Tax (VAT) to be effective on all premiums due on or after the 04th January 2011.
This means that the new levels will be as follows:
Insurance Premium Tax:- 6%
Value Added Tax:- 20%
Please note therefore that all policies due for renewal or quotation after 04/01/2011 will reflect this amendment.
- 14 September 2010 - Several hurt in Sainsbury's coffee machine explosion
A number of people, including customers, were hurt when an industrial coffee machine, the type used in numerous coffee bars and café’s across the UK exploded at a Sainsbury's supermarket in Hampshire.
Fire crews were called at 1225 BST to the Kingsmead Centre in Farnborough, after the blast in the store's café caused a number of people, including customers, to be hurt when an industrial coffee machine exploded.
Six people suffering mostly from minor injuries were taken to hospital. Others were treated at the scene. Sainsbury's said a ruptured pipe caused the explosion and the store was evacuated and temporarily closed.
This news story highlighted the requirement under PSSR2000 regulations that all establishments that use similar machines for the production of coffee based hot drinks such as restaurants, café, hotels, coffee shops and leisure facilities, must have an annual inspection carried out and the machine certified.
The implications are that any insurance claim for your possible loss of business, damage to property or more importantly customer and employee injury could possibly result in the claim being rejected by insurers, as without the correct certification you may be operating the equipment illegally, even if unintentionally. Please note an existing service contract is not classed as an inspection certificate.
This can be arranged very quickly with annual site inspections and certification being issued for as little as £120.00 plus V.A.T. If you wish to discuss this or obtain more information then please contact Ricci Ahearne at [email protected]or call him on 01420 594251
- New Manager joins Alton Commercial Team
We are very pleased to announce that with effect from the 01st December 2009 Ricci Ahearne has agreed joined us in the role of Commercial Divisional Manager at our Alton Branch.
Ricci brings with him over 20 years commercial broking experience and industry contacts. Ricci joined us from our network partner Cobra and has previously worked at Willis and was also a Broker within Lloyds of London.
Ricci stated that he is ‘very excited about joining such a well respected broker who dedicate themselves to high service standards & competitive pricing’. Ricci went on to say ‘Headley are a fast forward thinking company who are always striving to look for new and unique ways of obtaining the best coverage at the right price for their clients and I very much want to be part of Headley’s growing success’