{"id":202,"date":"2013-03-27T13:05:33","date_gmt":"2013-03-27T13:05:33","guid":{"rendered":"http:\/\/ianmcalvert.wordpress.com\/?p=202"},"modified":"2013-03-27T13:05:33","modified_gmt":"2013-03-27T13:05:33","slug":"business-insurance","status":"publish","type":"post","link":"https:\/\/ianmcalvert.com\/index.php\/2013\/03\/27\/business-insurance\/","title":{"rendered":"Business Insurance….."},"content":{"rendered":"

On LinkedIn this morning, \u00a0James Day<\/a>\u00a0of Ingenious\u00a0Britain<\/a>\u00a0provided an interesting article \u00a0about Business Insurance and Employers Liability Insurance<\/a> to which made me think about something I have often come across – why do I do things legally when others around me don’t!<\/p>\n

My reply to James<\/a>\u00a0was:-<\/p>\n

James<\/a>\u00a0– I think this is a much bigger issue than just employing people. How many companies do you actually work with, recommend and endorse that do not have business insurance at all? So many people operate in the world of business without insurance and yet provide businesses with advice and services. This really should be mandatory and any person or business employing the services of someone (or a company) should ask to see their insurance before engaging with them.<\/em><\/p>\n

Is it right that companies should operate without the\u00a0necessary\u00a0qualifications and insurance to offer advice, support, services and products without this? What happens if that business (or person) does\u00a0something\u00a0that can damage your both your reputation and company? What leg do you have to stand on?<\/p>\n

When I started in business I took advice from someone who I have known for a few years but we never spoke\u00a0business\u00a0just were good friends. I asked Dan McDonald<\/a> about insurance and he\u00a0thoroughly asked what I was doing and wanted to do. Only then after understanding what I did, he\u00a0explained what I needed and as a\u00a0result, without me asking, he speaks to me every 8 to 10 weeks to see what I am doing to make sure my insurance is right for myself, my business and more importantly my clients. As a result, last year, when I encountered some computer virus’s and lost a lot of data, on the next phone call, Dan<\/a>\u00a0immediately told me to not do anything until he came and saw me. Now, as a result if anything happens, I am fully covered via IPS protection against Data lost, damage, hacking or spamming due to holding client Data and this is something I would never of thought about, yet Dan<\/a>\u00a0wasn’t thinking of me, he was thinking about my clients and I needed to be protected to protect them.<\/p>\n

Note:-<\/strong> (By the way, before any one says anything, this blog is about me, my experiences and views and not endorsing or\u00a0recommending\u00a0either James Day<\/a>\u00a0or Dan McDonald<\/a>\u00a0but all I will say,\u00a0is that I met and had dealings with both people and say to you, that it would worth you speaking to both these people as James<\/a><\/em>\u00a0can help you with advice about what is happening in the business world and Dan<\/a><\/em>\u00a0can help you with your insurance questions).<\/em><\/p>\n

Therefore, whether you think your current suppliers are doing a great job or not – check do they have the correct insurance? What happens if\u00a0something\u00a0goes wrong can you re-cover these costs from that person or company?<\/p>\n

So, with it nearly being lunchtime now, just think over lunch about this and then think of the people you are working with this afternoon and contemplate this, the work they are doing for you goes wrong, it causes major problems, are you covered or not? It is worth considering…….<\/p>\n

NOTES:-<\/strong><\/p>\n

Here is the\u00a0article\u00a0from Fresh Business Thinking that James<\/a>\u00a0posted click here<\/a><\/p>\n

James Day<\/a>\u00a0is the Social Media Manager and Content Writer for Ingenious Britain<\/a> based in Royston, Hertfordshire, England<\/p>\n

Dan McDonald<\/a>\u00a0is the\u00a0Principle\u00a0of Everett Mead\u00a0Insurance\u00a0Brokers<\/a> of Stratford-upon-Avon<\/p>\n

Dan McDonald<\/a>\u00a0is the\u00a0Principle\u00a0of IPS protection<\/a> of Stratford-upon-Avon<\/p>\n","protected":false},"excerpt":{"rendered":"

On LinkedIn this morning, \u00a0James Day\u00a0of Ingenious\u00a0Britain\u00a0provided an interesting article \u00a0about Business Insurance and Employers Liability Insurance to which made me think about something I have often come across – why do I do things legally when others around me don’t! My reply to James\u00a0was:- James\u00a0– I think this is a much bigger issue than […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[30],"tags":[39,41,40,42,43,44,178,179,180,235,236,237,238,258,259,260,297,298,300,340,342,343,363,439,499,511,512,513,532,566,573,710,737,792,887,895,951],"class_list":["post-202","post","type-post","status-publish","format-standard","hentry","category-business-observations","tag-everettmead","tag-ingenious_james","tag-ingeniousbrit","tag-ipsprotection","tag-mrdanmcd","tag-thesocialpiggy","tag-business","tag-business-advice","tag-business-advisor","tag-client","tag-client-data","tag-clients","tag-clients-data","tag-computer","tag-computer-hacking","tag-computer-virus","tag-cyber","tag-cyber-attack","tag-data","tag-employees","tag-employers","tag-employers-business-liability-insurance","tag-everett-mead","tag-hacking","tag-ingenious-britain","tag-insurance","tag-insurance-cover","tag-insurance-protection","tag-ips-protection","tag-liability","tag-linkedin","tag-pigpens","tag-protection","tag-security","tag-the-directory-piggy","tag-the-social-piggy","tag-virus"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/posts\/202"}],"collection":[{"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/comments?post=202"}],"version-history":[{"count":0,"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/posts\/202\/revisions"}],"wp:attachment":[{"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/media?parent=202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/categories?post=202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ianmcalvert.com\/index.php\/wp-json\/wp\/v2\/tags?post=202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}