Despite having many other pressures at the present time, litigation is one of the major concerns within the UK’s construction sector, with contractors and sub-contractors battling this issue on two fronts – contractual and employee related.
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A tougher insurance market, coupled with a hardening attitude amongst insurers towards risk, are creating the conditions for an insurance product, with its roots in the 1960s, to attract greater levels of attention amongst those requiring public and products liability protection today.
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Commercial insurance underwriting – born in a 17th century London coffee shop in – has been forced to change methodologies due to Coronavirus but remains as relevant a skill as ever, potentially becoming even more important in the post-Coronavirus era.
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If you are a business owner, you will know the impacts Coronavirus has had on your balance sheet but if you are a director or manager, you may not be aware of the possible legal ramifications that could arise from the pandemic for you personally.
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Coronavirus has tested the resolve of the UK’s high street, accelerating the demise of major names like Deben- hams, Oasis and Brighthouse, and iconic British brands such as Laura Ashley and Cath Kidston[1]. Experts predict a number of retailers, already struggling pre-Coronavirus, may go under, due to lack of buyers in the current environment.
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Business continuity plans (BCPs) have been put under great strain by Coronavirus. Where a BCP considered a ‘worst-case scenario’, this is unlikely to have been a pandemic affecting global and national supply chains and the entire UK workforce. Since the introduction of social distancing, many businesses have adopted new modes of working but may have also archived their business continuity plan. There are good reasons why this is ill-advised.
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As the exit strategy from Coronavirus is being unveiled and businesses look at what their “new” trading requires, getting up and running will present a number of challenges for many business owners. However, the business you ran before Coronavirus may not be the one to which you eventually give a trading renaissance to.
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