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Management Liability insurance policies have already significantly assisted employers facing employment tribunals. The advent of the new Employment Rights Bill throws even greater focus on the value of MLP protection. The Bill, which is currently with the House of Lords for further scrutiny, has been described as the “biggest upgrade in employment rights for a generation.” Introduced in October 2024, […]

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If your business is only protected through legally required employers’ liability insurance (necessary as soon as you become an employer) or optional public liability insurance, it has a gap in its insurance protection that could be costly. Employer’s liability insurance does not protect against any claims which allege that your company or its managers have breached an element of employment […]

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If you sit down and make a list, you will discover a frightening number of ways in which your business and management team could be deemed liable for a situation. The word ‘deemed’ is an important one. You do not have to have actually done anything wrong for an allegation to be made. However, the minute an allegation emerges, the […]

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We see it all too often: a business is hit by fire, flood, or storm damage. Thankfully, they had the foresight to take out Business Interruption (BI) insurance—great! But when the payout arrives, it doesn’t come close to covering the real financial impact…not so great.  On paper, the sums insured look reasonable. But when disaster strikes, hidden gaps quickly emerge, […]

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