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Risk Management for Recruitment and Employment Agencies

Tuesday, June 25th, 2019

For both job-seeking individuals and employers looking to fill a vacant position within their organisation, the process of finding the ‘perfect fit’ can be a difficult one. While jobseekers are eager to impress potential employers and either begin or continue their professional career journey, employers have to search through a pool of candidates to find an individual with the appropriate background, qualifications and skills to contribute to the success of their organisation.

That’s where you come in—recruitment or employment agencies like your organisation help alleviate the difficulties that job-seeking individuals and employers face throughout the hiring process. By acting as the ‘middleman’ between jobseekers and employers, your agency allows individuals to find their ideal job position while also giving employers the assistance they need to hire the perfect candidate.

Indeed, recent research found that over 90 per cent of UK businesses have used a recruitment or employment agency to fill either temporary or permanent job roles. What’s more, the recruitment industry was responsible for providing job placements to more than 1 million people this past year. However, such a profession also comes with significant risk. Between the responsibility of finding appropriate positions for job-seeking individuals and ensuring employers end up with qualified, competent candidates—any mistake or mishap could leave your organisation with serious liability concerns and reputational consequences.

Use this guidance to implement proper risk management practices within your recruitment or employment agency and secure robust cover.

Risk Management Practices

The vast amount of responsibilities and regulatory requirements that recruitment or employment agencies must abide by is significant. And with such a long list of expectations, risk often follows. Consider these top risks and mitigation methods:


Use an effective vetting process—When helping jobseekers find a position or searching for valuable candidates for an employer, it’s crucial that you do your research to ensure both parties are genuine. Otherwise, you run the risk of responsibility for an individual being unsatisfied or unsafe in their new role, or an employer suffering from an incompetent candidate.

  • Make sure that individuals seeking work are completely qualified and fully meet the expectations of the employer. But don’t believe everything you read on a CV, either. Double-check any jobseeker’s qualifications by using a robust vetting process—this includes asking for proof of documentation (eg any license, degree or certificate required for work), reviewing past employment history, speaking with the individual over the phone or in person, and requiring professional references.
  • Similarly, be sure that any employers your agency works with or refers jobseekers to is reputable. Your vetting process for employers should include requiring proof of necessary documentation (eg proper licensing and routine risk assessments) and compliance with relevant regulations, reviewing past prosecution or fine history, and ensuring proper financial practices (eg appropriate cash flow, timely payments and organised payroll).
  • Take note of employers that your agency has the most success with or past jobseekers that performed well in their role. This way, you can be confident in referring jobseekers or employers that have a good history and establish a stronger relationship with clients.

Create strong contracts and conditions—Recruitment and employment agencies need to create contracts or communicate terms and conditions when offering their services to employers or jobseekers. It’s important that you establish a detailed written contract or set of conditions, and communicate these terms to your clients before providing your services. This practice ensures that both parties share an understanding of what is expected of them and are aware of any consequences they might face in the event of a breach. Further, having a sound contract or set of conditions in place reduces your risk of suffering from a liability claim.

  • Especially in the case of temporary (contractual) placements, it’s crucial that both parties understand conditions of employment (job responsibilities and requirements, benefits, working hours and holiday time, payment practices and duration of placement) before the jobseeker begins work.

Prioritise health and safety—The HSE requires recruitment and employment agencies to make sure that jobseekers have the proper resources to remain healthy and safe during their work assignments. Never send a jobseeker to an open position if you aren’t confident in the health and safety practices of the employer. Before a job assignment begins, it’s important that you collaborate with the employer to provide the jobseeker with the following work-related health and safety resources:

  • Information on any risks of the work, including the control measures in place
  • Adequate instruction and training to enable the employee to work safely
  • Any personal protective equipment needed for the employee to carry out work, as well as instruction on how to use and maintain it
  • Guidance on how the employee can raise any health and safety concerns they have regarding the workplace

Address cyber-risk—Considering that your organisation will likely possess sensitive information from both jobseekers and employers, it’s vital to implement proper cyber-security measures to prevent a data breach. In the age of constantly evolving cyber-threats and hefty GDPR non-compliance fines, you need to implement these practices to keep your data secure and costs under control:

  • Establish and communicate cyber-policies to your workplace, such as a BYOD policy, safe internet use policy and data breach response policy.
  • Ensure a secure internet connection on workplace devices with antivirus and malware protection.
  • Only allow qualified, trusted employees access to sensitive data. Require employees to regularly update their device passwords and save sensitive information in appropriate locations. Use practices such as encryption to protect data during a breach.
  • Routinely train staff on cyber-security best practices, including how to spot phishing and how to respond to a data breach.
  • Ensure your data protection practices are GDPR-compliant. For more information, click here.

Ensure compliance—There are a variety of regulatory concerns you need to keep in mind to ensure your recruitment or employment agency remains compliant when providing services. Use this government guide to review your agency’s legal expectations.

Robust Cover Solutions

Apart from these top risk management methods, your organisation can have ultimate peace of mind by purchasing robust cover. Common insurance solutions for recruitment and employment agencies include:

  • Professional indemnity insurance will protect your agency against any claims of negligence that result from perceived errors or omissions in your professional services when placing a job candidate.
  • Public and products liability insurance provides cover in the event that your agency is responsible for any bodily injury or property damage to another client or the public.You may also want to consider your vicarious liability, which could occur if the contract you established with an employer holds you responsible for any damage caused by the candidate that you referred. Further, driver negligence insurance is an important extension to include on your policy if your agency supplies temporary drivers.
  • Employer’s liability insurance will protect you against the cost of compensations for your employees’ injuries or illnesses caused by work-related activities. This form of cover is especially crucial if the contract you established with an employer holds you responsible for the health and safety of the candidate you referred.
  • Legal expenses insurance can offer protection in the event of any defence costs that your agency incurs from a legal dispute or claim.
  • Building and contents insurance protects your agency’s business property in the event of unexpected damage (eg vandalism), theft or natural disaster. You should also consider business interruption cover as an extension to your policy, which offers protection against your agency’s loss of income after a disaster and during the recovery process.
  • Directors’ and officers’ liability insurance provides cover in the event that your agency suffers losses due to the wrongful acts or negligence of senior-level leadership.
  • Cyber-insurance protects against damages that result from threats to your agency’s workplace technology or data—this includes stolen or damaged information, liability and recovery costs.For more information on protecting your business, contact Hensure Business Insurance Consultants today on 01270 758056.The content of this article is of general interest and is not intended to apply to specific circumstances. It does not purport to be a comprehensive analysis of all matters relevant to its subject matter. The content should not, therefore be regarded as constituting legal advice and not be relied upon as such.

Travel Insurance

Friday, August 3rd, 2018

Your holiday may have taken months to plan. Ensure your investment in minutes for non-refundable losses with a travel insurance policy.

What is Travel Insurance ?

Travel insurance can protect against the loss of non-refundable travel costs, such as airfare, hotel and tour expenses. Other types of travel insurance offers protection against losses due to medical emergencies, damage to personal property and even a death, which may occur away from home while on holiday.

Major types of travel insurance

Trip cancellation – Reimburses you for pre-paid travel expenses if you are not able to take your trip because you or a family member becomes ill or dies

Travel delay
– Reimburses you for pre-paid expenses if you are not able to take your trip because of a travel delay, such as a flight delay or cancellation

Trip interruption
– Reimburses you for pre-paid expenses if your trip is cut short because you, or a family member, become ill or die, or because of any other misfortune listed in the policy, such as bad weather, airline strikes, terrorism, bankruptcy or fire or flood damage to your home

– Reimburses you for medical and emergency dental expenses that you have because of an illness or injury while you are travelling

Medical evacuation
– Provides emergency transport to take you either to a hospital in the geographic region where you are or for transport back to a hospital near your home

Accidental death
– Covers death or dismemberment at any time during a trip.

uggage loss
– Reimburses you for lost, stolen or damaged personal items, but usually does not cover personal items that may be lost or damaged by an airline—be sure to review the policy for the list of property that would not be covered

Hire car damage
– Reimburses you for damage or loss to a rental vehicle

To learn more about travel insurance, contact Hensure on 01270 758056 today.

This article is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage.

1 in 4 UK Construction Workers Exposed to Asbestos

Thursday, May 3rd, 2018

Asbestos is a fibrous mineral that was commonly used in building materials for decades and is responsible for the deaths of 5,000 people each year, with 66 per cent of them having worked in construction, according to the HSE. What makes the mineral truly dangerous is that its effects can take years or even decades to become obvious, and by then, the damage can be nearly irreversible. Unfortunately, 23 per cent of UK construction workers say they have been exposed to asbestos, according to a survey from IOSH.

What’s more, the potential for exposure to asbestos is relatively great, as it can still be found in many buildings built before 2000. Even though it’s so prevalent, 18 per cent of construction workers said that if they found asbestos they wouldn’t know what to do.

Despite how common exposure to asbestos can be, construction workers often don’t take the proper precautions. In fact, 32 per cent of construction workers don’t check the asbestos register before they begin a job, and 15 per cent don’t even know what the register is. Even though exposure to asbestos seems inevitable, protection is relatively simple.

Check the asbestos register before carrying out any work. If there is no register or survey, or the report is not clear, don’t start work. Instead, have the property inspected for asbestos, or presume that any material you need to disturb contains asbestos and organise control methods to reduce exposure to the material.

Provide workers with asbestos health and safety training.

• Provide workers with personal protective equipment, such as disposable overalls type 5, single-use disposable gloves, laceless boots and respiratory protective equipment.

The content of this article is of general interest and is not intended to apply to specific circumstances. It does not purport to be a comprehensive analysis of all matters relevant to its subject matter. The content should not, therefore, be regarded as constituting legal advice and not be relied upon as such.


Friday, December 15th, 2017

In today’s business climate of corporate transparency and accountability, an organisation’s Directors and Officers face a myriad of employment-related exposures. Claims can come from many sources:-  employees, regulators, shareholders, creditors, customers, etc.

Ever-changing regulations, increased employee awareness of employment rights and the rise of shareholder activism means directors are more frequently at risk, translating to rising claims and escalating settlement costs.

Hensure Business Insurance can help to minimise this exposure for directors and officers by arranging a suitable Directors and Officers Liability Insurance policy.

Contact us today on 01270 758056 or email enquiries@hensure.com to learn about the benefits of such a policy and the covers available to help to protect you.

How the CDM 2015 Regulations could affect your Professional Indemnity Risk

Wednesday, November 8th, 2017

As a construction professional,  the introduction of the Construction (Design and Management) Regulations 2015 (CDM 2015 Regulations),  works to ensure the health, safety and welfare of all construction workers.

Rather than supplement the previous regulations (CDM 2007), the current version supersedes the previous rules and procedures. There have been several key changes to the regulations that you—as the owner or manager of a construction firm, or a construction professional, such as a designer or contractor—will need to learn in order to control your PI risk.

The objective of the CDM 2015 Regulations is to emphasise health and safety through increased coordination between the three primary parties, which are client, designer and contractor. This focus is reflected in the five following key changes

  1. All projects must have the following:
  • Workers who have the correct skills, knowledge, training and experience
  • Contractors who will provide appropriate supervision, instruction and information
  • A written construction phase plan that details the project

2.  A build project—regardless of whether it is non-domestic or domestic—where more  than  one  contractor is involved, must have the following:

  • A principal designer who is responsible for planning, managing, monitoring and coordinating the pre-construction phase of the project
  • A principal contractor who is responsible for planning, managing, monitoring and coordinating the construction phase
  • A health and safety file that outlines how to safely perform routine procedures and clean up the worksite

3.  For any project, the commercial client must always do the following :

  • Provide pre-construction information to designers and contractors, which should outline all known potential hazards that may arise during construction.
  • Make arrangements to ensure those carrying out the project can manage health and safety risks in a proportionate way
  • Ensure that both the principal designer and principal contractor comply with their responsibilities and duties, including preparing a health and safety file and a construction phase plan, respectively.

4. If a project is scheduled to last more than 30 days and will require more than 20 full-time workers, or  will exceed 500 working days, the client must notify the HSE of the project.

5. The CDM coordinator role is abolished and partly replaced by the new principal designer role.

How Does CDM 2015 Affect your P I Insurance ?

While the changes in the CDM 2015 are wide-ranging, the most important one that affects your PI insurance is the abolition of the CDM coordinator role and the establishment of the new principal designer role.

This new principal designer role potentially exposes you to greater professional liability. The HSE defines the principal designer as a designer appointed by the client in projects involving more than one contractor. Principal designers must have sufficient knowledge, experience and ability to carry out the role. Their main duties include the following:

  • Plan, manage, monitor and coordinate health and safety in the pre-construction phase, taking account of relevant information that might affect design work carried out both before and after the construction phase has started.
  • Help and advise the client in bringing together pre-construction information, and provide the information designers and contractors need to carry out their duties.
  • Work with any designers on the project to eliminate foreseeable health and safety risks to anyone affected by the work and, where that is not possible, take steps to reduce or control those risks.
  • Ensure that anyone involved in the pre-construction phase communicates and cooperates, coordinating their work whenever required.
  • Collaborate with the principal contractors, keeping them informed of any risks that need to be controlled during the construction phase.

CDM 2015 replaces the old CDM coordinator role with the principal designer on the project team, such as an architect or engineer, but the two roles do not perfectly line up. CDM coordinators were responsible for advising on health and safety risk management matters, as well as CDM compliance. However, not all designers will be able to fulfil their design duties as well as possess the skills and expertise necessary to manage extra CDM 2015 health and safety and risk management responsibilities.

For example, if an architect is appointed as the principal designer, that architect will now shoulder the burden of being the sole point of responsibility for health and safety compliance. This broadens architects’ PI exposure, as they bear more health and safety responsibility than a normal architect, which, in turn, opens them up to the potential risk of criminal liability. Penalties for corporate manslaughter or breaching health and safety regulations include an unlimited fine, two years in prison and director disqualification for up to 15 years.

The architect’s PI insurance will only cover defence costs if they let their insurer know they accepted the principal designer role and its extra responsibilities. If not, the architect will likely be on their own.

Because PI insurance protects against claims of professional negligence, it is the responsibility of principal designers to alert their insurer of their extra principal designer responsibilities, as PI insurance needs to match up with the duties undertaken by the professional. The insurer cannot be expected to know about the principal designer’s extra responsibilities unless it is notified.

If principal designers do not have the required skill sets to handle those responsibilities, they can subcontract them to a health and safety professional to fulfil that specific role. However, if those responsibilities are subcontracted, principal designers would have to consider the risk of the health and safety professional not having adequate insurance cover, leaving them again exposed to the potential risk of criminal liability

Do not assume the role of principal designer by default. Before you undertake the principal designer role, be sure to consider carefully whether you have the expertise and ability to manage the role’s extra responsibilities. Also, remember to notify your Insurance Broker as forgetting to update your policy could lead to disastrous results !

Our new website is now live.

Wednesday, June 14th, 2017

Hensure Business Insurance is the online trading division of R K Henshall & Co Ltd.

Our Hensure division focuses on delivering quick and efficient solutions to small to medium-sized businesses.

Hensure can offer flexible insurance solutions that provide the protection that your business needs at competitive prices. We are able to offer cover for most types of insurance ranging from Shop and Office Insurance, through to Professional Indemnity and Public Liability Insurance.

We have used our knowledge, experience and relationships with the insurance market to develop our own products and are pleased to offer you access to our quote and buy facility for Professional Indemnity Insurance or Liability Insurance.

Professional Indemnity Insurance is compulsory for certain professions such as accountants and architects. However, in today’s increasingly litigious society more and more people who work in other professions are looking to purchase Professional Indemnity cover to protect themselves from allegations of negligence in the services that they have provided.

Why use Hensure Business Insurance

  • Independent Insurance broker with over 40 years experience of arranging Commercial insurance for our clients.
  • Instant online quotes available for a number of trades.
  • Your insurance needs are handled by a dedicated account handler who will get to understand your business.
  • Competitive rates of interest available if you wish to spread the cost of your insurance spend over a 12 month period in order to help with cash flow.
  • We are not a call centre and our staff have the ability to think outside of the box and to offer bespoke solutions.
  • Ability to bind cover online and receive policy documents at the touch of a button for a number of trades and insurance covers.
  • Knowledgeable and experienced staff on hand to assist.
  • We are a Chartered Insurance Broker and in order to retain our chartered title we must ensure that the advice, service and ongoing support we provide to our customers is of the highest quality.
  • We are part of the Brokerbility group of Insurance Brokers and this means that we have enhanced buying power with many of the major insurers.
  • All of our staff are members of the Chartered Insurance Institute and must comply with the Institute’s code of ethics.

Considering Insurance Needs

Wednesday, June 14th, 2017

Small Business Start up

Starting a small business requires tireless effort and endless financial reserves. Besides dealing with necessary tasks to start the business—affording exorbitant start-up costs, establishing a customer base, forecasting cash flow problems—new small business owners are besieged on all sides by risks.

The only sure-fire thing you can count on during the tumultuous beginning stages of your business or later in its development is the protection offered by commercial insurance. Avoid losing everything to a disaster that you could have easily insured – purchase robust and comprehensive commercial insurance to keep your small business protected on all sides.

Essential Covers

Small businesses vary widely in their insurance needs. Many different factors—including industry, location and size—will determine the type of insurance your business needs to survive. All businesses, however, can benefit from the essential covers listed below.
Employers’ liability is mandatory for all UK employers. It covers employers’ liability for bodily injuries or diseases their employees may suffer in the course of their employment.
Property protects your commercial property, buildings and contents from a broad range of risks.
Business interruption recoups lost profits in the event that insurable property damage causes your business to temporarily close.
Public liability covers your liability for third-party injury and property damage arising from your business’ operations.
Products liability insures against damages and costs arising from accidental injury or damage caused by products supplied by your business.
Cyber liability provides protection against a host of cyber threats, including hacking, stolen data and system failure.
• This list is not exhaustive. Depending on your specific business, you may need to consider additional cover options to fully protect your business.

Additional Covers to Consider

Carefully consider the needs of your business—is there anything unique about it that would require additional insurance protection? Consider the following additional covers. Many businesses cannot afford to go without them.
• Motor fleet
• Legal expenses
• Theft by employee
• Equipment breakdown
• Stock
• Loss of money
• Trade credit
• Professional indemnity
• Crime
• Key person
• And much more

Scrutinise Your Business’ Weaknesses

Harshly scrutinising your business’ weaknesses can help you choose which covers you need and devise a long-term plan to strengthen your business against foreseeable risks.

Part of investigating available insurance covers is determining the points where your business is weakest. Pinpoint the spots where your business is the most vulnerable, and secure insurance that bolsters those vulnerabilities.

The content of this Small Business Start Up Guide is of general interest and is not intended to apply to specific circumstances. It does not purport to be a comprehensive analysis of all matters relevant to its subject matter. The content should not, therefore, be regarded as constituting legal advice and not be relied upon as such. In relation to any particular problem which they may have, readers are advised to seek specific advice. Further, the law may have changed since first publication and the reader is cautioned accordingly. Design © 2014 Zywave, Inc. All rights reserved.
Contains public sector information published by GOV.UK and licensed under the Open Government Licence v1.0.

Architects and Engineers Professional Indemnity Insurance

Wednesday, June 14th, 2017

As an engineer or architect, you work in a highly skilled, detail-oriented industry and are expected to provide quality design services that are free of errors or omissions. Despite your expertise, knowledge and best intentions, the reality is that not all projects are error-free and eventually a mistake or misjudgement is bound to occur. Even the smallest error can have serious consequences. If a client believes damages are due to a mistake on your part they can sue your company. It is important to protect yourself against this potentially devastating liability. The cost of defending yourself in court can be huge, not to mention the restitution costs if you’re found at fault. A professional indemnity policy will cover these costs in the event of such a claim, which may otherwise financially cripple your business.

Many professional bodies and organisations make it a formal requirement for their members to hold and maintain professional indemnity insurance. For instance, professional indemnity insurance is compulsory for architects that are members of the Architects Registration Board (ARB) and the Royal Institute of British Architects (RIBA). Likewise, almost all professional engineering bodies require the same.

How Does the Policy Work?

A professional indemnity policy will cover the cost of defending you or your company in court, along with any monetary damages awarded to the claimant due to an error or omission on your part (up to the policy cover limit). These policies are known as ‘claims-made’ policies. This means that cover is triggered when a claim is filed and you report it to the insurance company, since it is often hard to identify when the alleged error or omission originally occurred. Your work will be covered dating back to the earliest date of your continuous professional liability cover.

What to Look for in a Policy

Though you may specialise in certain areas, you likely handle a variety of projects and services and you’ll want your policy to reflect that. Depending on your needs, you may want to consider these components when choosing a policy:

• Pollution liability that covers sudden, accidental and gradual pollution
• Specific cover for breach of a client contract
• Full civil liability cover (not just negligence)
• Specific cover for breach of intellectual property rights
• Reimbursement of costs incurred to help reduce or avoid a claim
• Punitive and exemplary damages cover
• Virus and hacking liability cover

What is Not Covered

The following items are generally excluded from a professional indemnity policy:

• Unfair trade practices (you hire a competitor’s employee and subsequently take one of the competitor’s clients)
• Failure to pay a fee or invoice
• Wilful or dishonest acts

The content of this Cover Overview is of general interest and is not intended to apply to specific circumstances. It does not purport to be a comprehensive analysis of all matters relevant to its subject matter. The content should not, therefore, be regarded as constituting legal advice and not be relied upon as such. In relation to any particular problem which they may have, readers are advised to seek specific advice. Further, the law may have changed since first publication and the reader is cautioned accordingly. © 2010, 2012-2013 Zywave, Inc. All rights reserved.

Terrorism risks

Thursday, July 23rd, 2015

With the current increased threat from ISIS terrorists, terrorism is once again high on the agenda.

The terrorism risk has never really gone away but it has been changing.

The perception of a terrorism risk is probably that this will only affect London but this may no longer be the case.

The news reports are suggesting that people from across the country are traveling to Syria for Jihadist training so there is no reason to believe why they may not target outside of London too.

So far, the security forces have thwarted a good number of attempts and specialist anti terrorist units admit to being around three times busier than ever before.

When defining a Terrorist act the UK government provides a clear definition in the Terrorism Act 2000. It states Terrorism is the use or threat of action designed to influence the government or an international governmental organisation or to intimidate the public, or a section of the public; made for the purpose of advancing a political, religious, racial or ideological cause.

For further information or assistance in respect of terrorism cover please do not hesitate in contacting Hensure Business Insurance on 01270 758056.

Law Commission Reforms

Thursday, June 4th, 2015

“Insurance underpins a healthy and prosperous society. It enables businesses and individuals to protect themselves against risk. However insurance contract law is out of date and no longer reflects the realities of today’s commercial practices.

The provisions of the Insurance Act 2015 will modernise the law, balance more fairly the interests of insurers and buyers and provide a framework for an effective, competitive and trusted business insurance Market”, Stephen Lewis, Law Commissioner.


The UK’s Commercial insurance contracts are based on an Act that came into effect more than 100 years ago.

The Marine Insurance Act 1906 imposed a duty to disclose every material circumstance which would influence a ‘prudent underwriter’, potentially giving insurers the opportunity to decline claims where there may be no related material impact, for example intruder alarm failings on a flood claim (although this is rarely used in today’s market it does bring uncertainty to the contract).

So much has changed during that time and the need to modernise rules governing insurance contracts between businesses and insurers is essential.


Change 1. Non Deliberate or Non-Reckless Non-Disclosure/Misrepresentation

There remains a responsibility for presentation of the risk by the customer and this is explained further in the Act.

  • If the insurer would have charged a higher premium had they known about the circumstances of the misrepresentation then market practice will be that the insurer will look to charge the insured the additional premium when the non- disclosure or misrepresentation becomes know to them.
  • Where the insurer would not have written the risk then they can treat the insurance as if coverage was never attached but must return the premium.
  • If the insurer would have imposed terms, they can treat the insurance as if it had been entered into on those different terms ( from the date of the breach).

Change 2. Deliberate or Reckless Non Disclosure/Misrepresentation – Fraud

Where non-disclosure or misrepresentation is deliberate or reckless, the insurer has the right to avoid the policy and also to retain the premium.

Change 3. Warranties

The insurers will aim to remove warranties from their policies and replace with conditions precedent to liability and conditions.

Whilst insurance companies envisage most policies will be “Warranty Free”, they may apply by exception. In these instances they would explain the rationale to the broker or customer. Where warranties are used and are not complied with by the insured, it will only suspend cover and not terminate the policy in accordance with the Insurance Act.

Change 4. Basis Clause

This will be removed from the wordings as such clauses are being abolished

In practice this means :
• The insurer will treat the basis of contract clause as having no effect in all documentation.
• The insurer will not void the policy or refuse indemnity where the breach of specific risk condition is not related to the risk of loss.

Confidence in the insurers ‘Fair’ settlement of claims and certainty that the policy will perform as expected. Benefit of the insurers insight and ‘good customer outcomes’ approach.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. www.rkhenshall.com. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. www.fca.org.uk. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Complaints Procedure
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