Aug
28
2010
1

Should your adventure activities provider be insured?

grim-ripperIt sounds like a “no-brainer”, doesn’t it, that your adventure activities provider needs to be insured? But it turns out not to be so clear-cut as that. The RNLI (Royal National Lifeboat Institution, a British charity) says this in relation to the adventure sport of coasteering: The RNLI advises only taking part in coasteering as [more...]

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Feb
22
2010
2

Why do traffic accidents happen?

What caused this? (photo by ZapTheDingbat CC-BY)The Department of Transport (D of T) in the UK produces detailed annual reports on traffic accidents where a person has been injured. When investigating a traffic accident, police will take report any contributory factors which contributed to the collision. Not every accident will have a contributory factor reported, and some may have more than [more...]

Oct
05
2009
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What is a “third party”?

Photo by peasap - CC-BYThe term third party comes from contract law, but it can apply to any kind of legal agreement or commercial process. (The term can also be used to describe a political party other than the two dominant parties in a country with a two-party system, but that’s not the sense being described here.) A contract [more...]

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Oct
03
2009
2

How can I check if a vehicle is insured?

Hope they are all insured. (Photo by by wanderingone CC-BY-2.0)Imagine you are involved in a road traffic collision and the other driver provides you their insurance details. You later find out that they are uninsured and you up end bearing the full cost and losing your no claims bonus. Or perhaps you are a commercial vehicle driver and you want to ensure that the [more...]

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May
01
2009
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What is Trade Credit Insurance?

No worries over trade credit insurance for this business (Photo by Gordana Adamovic-Mladenovic CC-BY)If you are in the business of selling goods to other companies, then it is normal business practise to offer the purchasing company credit terms once they have established their credit worthiness. Occasionally, a purchaser will default on their payment by going into liquidation or delaying payment of the debt. This can be a very [more...]

Apr
19
2009
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What insurance do I need when starting a business?

Will I need fire insurance for my new business? (photo by Ed CC-BY)If you are starting up a business in the UK, one of most important things you must consider is insurance. There are many types of insurance. Some are required by law, while others you should consider to ensure that you and your business are protected. As to what types of insurance, it depends on the [more...]

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Mar
28
2009
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How large is the UK insurance industry?

..The insurance industry makes important contributions to the UK’s economy, is a major employer, and source of overseas income. It is the second largest insurance industry in the world with its premium income at 11% of the world’s total. It is still some way behind the United States insurance industry which has 30 % of the [more...]

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Jan
30
2009
1

What is ethical banking?

Ethical Banking (photo by laurenatclemson - CC-BY)Ethical banking is a sector of the banking industry which takes ethical considerations into account when making business decisions. Sometimes it represents little more than a marketing catchphrase, but at the other end of the spectrum there are financial institutions whose entire reason for existence is to further a particular ethical goal. Ethical concerns may [more...]

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