Tailored lnsurance Solutions

"Hello and welcome to our monthly email newsletter designed to give insight of how commercial and residential insurance changes could affect you. As well as our comment on current events, we will also be recommending the best strategy to increase your insurance while decreasing costs and finally we would like to introduce you to some of the people in our team you may have talked to, but don't really know!"

Gavin M Higgins CEO

Gavin Higgins

Expect the Unexpected!

This time last year, nearly to the day, saw many areas of Northern Ireland flooded due to the bouts of torrential rain. Unfortunately this had serious consequences for many businesses across the province. The impact spread from small businesses who closed due to the flooding from the streets to shopping centres who closed as the ceilings began to leak to even the Parliament buildings that incurred damage with leaks into the third and fourth floors.

See how we can help in these types of situations.

Call us on 02890 730700 if you are unsure if you are covered.

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Why do you need Directors and Officers Liability Insurance?

Directors and Officers in any company have duties and obligations, for which they are personally responsible. Such liability can be incurred, not only as a result of their own activities, but also from the activities of fellow directors.

When indemnifying a director, a company may incur liabilities that have a severe impact on its bottom line. A Directors' & Officers' Liability policy will address the concerns and liabilities of both the director, and the company when indemnifying the director. Here are just a few areas where claims could be made against you:

• Companies Act 2006 (hundreds of possible areas of non–compliance)
• Health & Safety at Work
• Corporate Manslaughter
• Former directors and non-executives
• Mergers and Acquisitions
• Data Protection Act
• Disability Discrimination Act
• Racial, Sexual and Age Discrimination

more...

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JacquiThings you never new about…… Jacqui Carruthers, Commercial Broker

When Jacqui isn't working hard in the Commercial Department at Higgins, she can be seen working just as hard - training in fitness up to four times a week.

Find out more about Jacqui…

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