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Why Planning Ahead is Crucial to The Future of Your Business

Many small business owners don’t think twice about insuring their business premises or stock, but fail to protect against the loss of their most important asset. Philip Elliott, Managing Director of Philip Elliott Associates, specialists in debt recovery, credit control and business support; explains why the right insurance is key to safeguarding the future of his business. I started Philip Elliott Associates in the early 2000s and Robyn Baxter joined in 2015, becoming our Legal Director in 2018. As directors, we both have discrete responsibilities in legal, financial and marketing, but also work closely together on client briefs and, if either…

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What Has 2019 Meant for SMEs?

With the seemingly unending threat of Brexit and fresh rounds of political uncertainty, you’d be forgiven for thinking not much else is affecting businesses this year.  As we race towards the mid-year point, Mike Dickinson, our Sales & Marketing Director, looks at some of the trends that are impacting small businesses in 2019 and what the rest of the year may bring.   The Rising Cyber Threat Cybercrime continues to be a major concern for businesses and shows no signs of abating. The MORI Cyber Security Breaches Survey found that four in ten businesses and a fifth of charities had experienced…

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The Cost of Extreme Weather – Are You Fully Covered Against the Risk of Flooding?

In the wake of the torrential downpours across the UK in recent weeks, it is becoming increasingly apparent that these extreme weather events are becoming more frequent and more severe, often causing irreparable damage to homes and businesses. Here, Mike Dickinson, Sales & Marketing Director at Russell Scanlan, explains the growing need to ensure your flood cover is fit for purpose and won’t leave you out of pocket. Recent events are just another reminder that flash flooding and prolonged torrential downpours mean we have to ensure greater protection for businesses and homes against what the weather throws at us. June is…

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Why is Terrorism Insurance So Important?

Recent changes in legislation makes it easier for SMEs to cover losses incurred as a result of a terrorist attack; but Bryan Banbury, our Managing Director, says business owners still aren’t taking the steps needed to safeguard the future of their business with less than 3% of SMEs insuring against a terrorist attack. It’s been almost two years since the horrific terror attacks in Manchester and London Bridge which claimed 30 lives. In the weeks and months that followed, the gap in insurance coverage became increasingly evident. Small and medium sized businesses were shown to be particularly vulnerable with several caught…

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GDPR One Year On: Have Businesses Done Enough?

A year on from the introduction of GDPR, Andy Jenkins, our Operations Director; explains how many SMEs still have a long way to go to ensure compliance and protect themselves from potential fines as enforcement rates increase. The introduction of GDPR was one of the biggest raft of changes to how businesses collect, store and use data in decades. A great deal of time and effort was put in to making sure businesses were ready for the deadline and many of us were bombarded with emails asking if we were happy for companies to continue to hold our personal information. Despite…

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Contractors Face Supply Chain Exclusion if Not Cyber Secure

Complacency towards cyber security not only places contractors’ own systems at risk, but also that of suppliers and partners within their supply chain. Bryan Banbury, our Managing Director, looks at how the lack of a robust cyber security strategy places contractors at risk of being excluded from supply chains. Last year, more than two in five businesses (43%) experienced a cyber breach and with the continuing drive towards BIM, automation and more connected, collaborative working; the construction industry is increasingly vulnerable to cyber crime threats. Whilst it’s often the big brand names such as Facebook and British Airways that hit the…

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Is AI the Future of Art?

Our Operations Director, Andy Jenkins, looks at a recent sale of a painting created by Artificial Intelligence (AI), which is causing a stir in the art world after being auctioned for hundreds of thousands of dollars. The Portrait of Edmond De Belamy by the French art collective, Obvious, was the first AI-created artwork to be auctioned at Christie’s in New York. It was expected to raise between $7,000 and $10,000, but it surpassed all expectation and eventually sold for $432,500 (roughly £330,000). The artwork has been a major talking point in the art world and raises questions about the insurance of…

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Cyber Security Report Reveals Risks for Businesses

Cybercrime is a constant threat for businesses and can take many forms, from spam emails to compromised business networks and infected mobile phone apps. In the last year, there have been successful cyber-attacks on British Airways, the Marriott Hotel Group and Facebook, to name just a few. Our Operations Director, Andy Jenkins, takes a look at the recently published Symantec Internet Security Report which has revealed a number of interesting figures around cyber security for companies. “Cybercrime continues to be a major concern for businesses and shows no signs of abating. The MORI Cyber Security Breaches Survey found that four in…

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Underinsurance and Why it Remains a Problem

For homeowners or commercial property owners, knowing your property is insured correctly in the event of damage or loss provides great peace of mind. However, there are still a large number of property owners, both commercial and residential, whose properties have not been valued correctly. Our Operations Director, Andy Jenkins, discusses why underinsurance occurs and what you can do about it. “Underinsurance is inadequate insurance coverage held by a policyholder which, in the event of a claim, will lead to a financial loss if the claim exceeds the maximum amount that could be paid out by the insurance policy. Put simply,…

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Green Card Guidance For British Drivers After Brexit

Millions of British drivers have been warned they will need a Green Card when driving in the EU after Brexit. Guidance from the Association of British Insurers (ABI) and Motor Insurance Bureau (MIB) advises that UK drivers should be prepared to have a Green Card when driving in EU countries after midnight on March 29th 2019. A Green Card is an international certificate of insurance which guarantees that a motorist has the necessary third-party insurance cover, and proves they are suitably insured to drive in another country. The Department for Transport has published a guidance document confirming that if the UK…

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