Most directors of small and mid-sized companies assume directors’ and officers’ insurance is something plc boards buy. It isn’t. The duties in the Companies Act 2006 apply to the director of a three-person engineering firm in exactly the same terms as they apply to a FTSE 100 board, and so does the personal liability for […]
If you’ve just been appointed principal contractor on a project, two things usually land on your desk at the same time: a set of CDM duties and a set of insurance requirements from the client or their contract administrator. They’re often treated as the same thing. They’re not — and confusing the two is one […]
This guide is written for electricians across the East Midlands — sole traders, small contracting firms, and electrical companies running a few vans and employing apprentices. It walks through the covers electricians actually need, what drives the cost, and the mistakes we see most often when reviewing existing policies. Whether you’re NICEIC or NAPIT registered, […]
Ask most manufacturers what their factory insurance covers and the answer comes back quickly: the building. It is the obvious thing — the largest single asset on the balance sheet and the one the bank or landlord insists is insured. But for a working factory the building is rarely where the real exposure sits. The […]
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