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Have You Heard Of The SIA Grant For Good Causes?

Have You Heard Of The SIA Grant For Good Causes?

Those working in the security industry may be interested to find out more about the Security Industry Authority (SIA) grant for good causes, which was set up last year to distribute money recovered through the proceeds of crime confiscation orders.

Under the Proceeds of Crime Act, the SIA is allowed to investigate the financial activity of those who have committed criminal offences and confiscate the proceeds of that crime, with the individual paying back any money made through their criminal acts.

The portion of this money that is received by the SIA can only be used to fund financial investigation capabilities or distributed to good causes.

Some of the money supports good causes that benefit the private security industry and applications for funding are considered by a grants committee at least once a year, more if the funds allow.

In 2020, the Worshipful Company of Security Professionals decided to take action and support those affected by the pandemic, with a crisis fund set up for security operatives, the police, the armed forces and emergency services.

The fund offers grants of £500 for the family of someone who has died of covid and £250 for someone hospitalised as a result of the virus. People are able to apply for themselves, while businesses are able to apply on behalf of their staff members, with funds then paid directly to the employee.

Chair of the organisation Claire Palmer said: “Research conducted early in the pandemic showed that those working in front line security had been particularly affected by COVID-19. We wanted to do something about that. Whilst the sum granted to individuals is relatively small, to those applying for the grants it is a vital form of support.”

In March 2021, £9,372.23 was diverted to the crisis fund by the grants for good causes scheme to help them support those in the industry during the pandemic.

Are you looking for security company insurance at the moment? Get in touch with Just Quote Me today!

5 Working At Height FAQs

5 Working At Height FAQs

Construction is one of the most dangerous occupations to have, with figures showing that the fatal injury rate is four times the all-industry rate. As such, it’s essential that those in the industry have approximately the equipment, skills, knowledge and experience required in order to do their jobs safely.

For those interested in finding out more, here are some of the frequently asked questions about working at height, which is one of the riskiest construction jobs and the main cause of fatal accidents and major injury in the workforce.

What is work at height?

Work at height refers to any place where someone could fall a distance that would result in personal injury if no precautions were taken. You are working at height if you are above ground or floor level, could fall from an edge through a fragile surface or an opening, or if you could fall into an opening in the floor or a hole in the ground.

What are collective fall prevention measures?

Collective protection is equipment such as scissor lifts, guardrails and tower scaffolds, which don’t require those working at height to act to be effective.

What are personal fall prevention measures?

Personal protection is equipment that requires the operator to do something, such as putting on a safety harness properly and connecting it to a suitable anchor point using an energy-absorbing lanyard.

How do I comply with the Work at Height Regulations 2005?

The regulations place duties on employers and those managing any work at height activity, where there is a risk of a fall liable to cause personal injury. 

All work must be properly planned and organised, all operators involved must be competent and risk assessments must be carried out and appropriate work equipment selected and used. Equipment must also be properly inspected and maintained and the risks of working on or near fragile surfaces properly managed.

Do I need working at height insurance?

Because of the risks involved, a work at height insurance policy is a good idea and there are various different indemnity policies available that cover different heights, as well as more general policies with an unlimited height restriction.

Do You Need An SIA Licence?

Do You Need An SIA Licence?

Anyone with ambitions to work as a security operative in the UK would be advised to see whether they need an Security Industry Authority (SIA) licence and, if so, what kind of licence is required for the work in question. Operating in the private security industry without a licence could be illegal.

For example, if the work you intend to do involves a licensable activity and is part of a contract for services, you will need a front line SIA licence. Licensed activities include the likes of manned guarding, key holding and vehicle immobilisation (in Northern Ireland only).

If you are going to be working in-house, however, you do not typically need a licence, as you will be employed directly by the company that’s using your services. That being said, there are two licensable activities where a licence is required – door supervision at a licensed premises and vehicle immobilising (in Northern Ireland only).

There are also some situations where a licence is not required. For example, you don’t need a licence to volunteer as long as there’s a written or spoken agreement that you won’t be rewarded for your work. 

You also don’t need one if you’re performing stewarding duties or to check if people have paid for entry to an event or that they’ve been invited. In order to refuse them entry or make them leave, a licence is required, however.

There are two types of SIA licence – front line and non-front line. A front line licence is required if you personally perform a licensable front line activity as part of the job role. These usually come as a plastic photocard that must be worn while working. The key holding licence, however, comes in the form of a letter.

A non-front line is required if you manage or employ anyone who performs licensable activities as part of their job, or if you’re a company director or partner where others in that company or firm perform licensable activities for their job.

Looking for security company insurance? Get in touch with Just Quote Me today.

What Makes Security Business Insurance Different?

What Makes Security Business Insurance Different?

Every business has a set of challenges that make them unique, and the security sector is no different. Because security guards and equipment often operate in dangerous situations, security insurance provides dedicated cover to help protect both the business and its staff.

One of the key differences between security businesses and other industries is that often security works very closely with members of the public and so public liability becomes an even greater issue than it would be otherwise and is part of packages aimed at the security industry.

Public liability cover protects a business from the cost of legal claims made by members of the public made in connection with business, activities, which in this case would include personal security, manning the doors and protecting people in events.

Beyond this, an insurance package for the security industry will often include professional indemnity protection, which can be important for businesses that fit and facilitate security systems.

If, for example, a security system is fitted, but due to an error or omission damage is caused to the client, professional indemnity helps to cover the claim, giving the business more confidence and peace of mind to provide the best service possible.

Outside of crises, catastrophes, harm to the public and professional liability, security business insurance can help in a range of other ways, such as providing support in case of wrongful arrest whilst on duty and even cover in case keys are lost.

Exactly what components are in a security business insurance package will depend largely on the needs of the business and the provider themselves, but they should aim to cover the wide range of risks facing security professionals on a day-to-day basis.

Security Guard Suffers Dog Bite While On Duty

Security Guard Suffers Dog Bite While On Duty

There is always an element of risk involved for those working within the security industry and security guards in particular often find themselves faced with a wide range of different challenges to deal with while at work.

Physical injury is a concern, of course, and there’s often no way of telling when a situation may escalate, leading to an altercation. For example, one Asda security guard was recently bitten by a dog after he had a confrontation with its owner.

According to YorkshireLive, 39-year-old Steven Tiplady asked dog-owner Christopher Long to tie the animal up outside the supermarket, after which Long became aggressive, started shouting and refused to leave the shop.

Since the incident, Mr Tiplady has been diagnosed with PTSD, following bouts of insomnia and panic attacks related to the event. As a result, Long, 30, was jailed for two and a half years on July 14th 2020.

Incidents such as this highlight just how important it is for businesses in the sector to make sure they have the appropriate security insurance, a policy that is directly tailored to suit their own individual requirements for the work being undertaken and their personnel.

Everything from guarding shops and car parks to installing security alarms carries with it some element of risk, but you can help to mitigate this by investing in a good insurance policy.

Here at Just Quote Me, we’ve created specialist security insurance for our clients, with a policy specific to those working in the industry, designed for use by personnel with SIA certificates and training. Get in touch today if you’d like to find out more.

Which Jobs Require Tradesmen Insurance?

Which Jobs Require Tradesmen Insurance?

If youve made the move to strike out on your own as a tradesman, it can be an exciting and exhilarating adventure. Youre your own boss, you can work when and for whoever you want, and manage your business however suits you best.

But before you start filling your order book and taking on clients, you must ensure you have adequate business insurance. No matter the precautions you take, things can, and will, go wrong sometimes, and it is a good idea to ensure you are prepared.

But tradesmancovers a very wide range of trades and skills, and it is important to ensure you have the right insurance policy to protect you and your business. Lets have a look at three jobs that can benefit from tradesmen insurance.

Builders

Builders must have adequate insurance to cover a number of things that can happen on-site or as a result of their work. Public liability insurance is essential to protect construction staff from financial consequences which could occur if a member of the public were injured because of the work.

Builders should also ensure their insurance policy covers the damage and theft of tools and stored materials.

Window cleaners

As well as insurance that can cover increased costs of working, and protect tools and vehicles against theft, window cleaners can pose a risk to the public, as passers-by could be hurt if something was dropped from a height, or if they slip in a puddle of water, meaning public liability insurance is a must.

Tree surgeons

Similar to the above trades, it is essential to get cover for tools, equipment, and vehicles, as well as public liability insurance. Adequate tree surgeon insurance will also cover contamination and pollution caused by work being carried out.

If youre looking for business insurance in Birmingham, talk to us today.

What Insurance Does A New Restaurant Need?

What Insurance Does A New Restaurant Need?

If youre in the process of setting up a restaurant or cafe, there are many aspects to consider, from licences to staffing and sourcing products to finding the right insurance.

But with many hospitality businesses struggling due to the pandemic, business owners might be looking for ways to reduce overheads. However, insurance is a must, and it is important to get the insurance that is right for your business to ensure you are not wasting money on superfluous services you do not need or have been sold.

To ensure you buy the right cover and receive professional advice make sure you are dealing with an independent insurance broker.

Business Insurance

All businesses are different, meaning there is no one-size-fits-all policy. You should ensure that your business insurance has been tailored for your individual needs, which will ensure you get the insurance cover you want and dont pay for insurance covers you dont need.

Some insurance is required by law, such as Employers Liability insurance and also Motor Insurance to comply with the Road Traffic Act. So if your business employs people and you operate a motor vehicle these two insurance policies are essential.

You may also be legally required under certain contracts to take out other covers, for example, your landlord/lease may require you to arrange Buildings insurance or hold Public Liability insurance.

A Business insurance policy can be tailored to include all of the risks you face and usually will include asset protection, which covers your property, pictures, fittings, and business equipment, such as cooking ranges and refrigeration equipment, as well as your stock of food and ingredients.

Income protection will also help support you if you suffer a financial loss if you are forced to close your doors, whether from the pandemic, there is a fire or any legitimate reason why you are unable to open for business.

Liability insurance is a legal requirement in the United Kingdom, meaning all businesses with employees must have employers liability insurance, which covers your legal liability should an employee suffer injury or illness arising out of their employment.

 

If youre looking for business insurance in Wolverhampton, talk to us today.

Almost A Quarter Of SMEs Have Bought Cyber Insurance Since Covid-19

Almost A Quarter Of SMEs Have Bought Cyber Insurance Since Covid-19

Nearly a quarter of small-to-medium businesses (SMEs) in the UK have bought cyber insurance since the onset of the Covid-19 pandemic, the Insurance Times reports. Analytics firm Global Data carried out the research, which found that 24.9% of such enterprises had purchased the insurance, after employees began to work from home.

Some 2,000 SMEs were polled during the survey earlier this year, which revealed that the majority of businesses made their decision based on media reports of increased cyber attacks. Others acted on the advice of a broker or financial advisor.

Benjamin Hatton, insurance analyst at GlobalData, said: “Businesses are becoming more proactive in managing the dangers of a cyber attack in the knowledge that home working can lead to greater risks in this space. Media coverage showcasing the perils of cyber attacks is important in continuing to highlight the threats that businesses face.

He added: “Brokers play an important role in advising customers to take the right level of cover, ensuring that firms are properly protected from cyber threats. Financial advisors also have this responsibility in ensuring that UK SMEs have the cover that they need to protect their business against the growingly hostile cyber landscape.”

Despite the recent surge in uptake for cyber insurance, the survey found that only 31.5% of UK SMEs have the correct amount of cover. When asked about the reasons given for not taking out such a policy, more than a third said that they didn’t regard cybercrime as a threat.

However, The Institute of Chartered Accountants in England and Wales (ICAEW) explains that incidents of phishing (sending emails which imitate an official source, to trick the recipient into clicking an infected link) have risen by 700% in the first half of 2021 alone. Ransomware attacks have also increased threefold.

As it becomes commonplace for businesses to have remote or hybrid working policies, cybercriminals will continue to look for ways to exploit weaknesses in IT systems, and gain access to sensitive data, which they then use to hold the business owner to ransom.

For Wolverhampton business insurance, talk to us today.

How To Get The Right Pub Insurance

How To Get The Right Pub Insurance

Pubs and other late-night venues can be challenging and rewarding to run, but sometimes getting the correct insurance is not always easy. This is especially true if there are special features, such as a thatched roof. However, it’s well worth the effort to avoid costly fines and legal bills. Here’s a quick guide to what insurance you need. 

Public liability insurance

This is essential to protect you, should a member of the public file a claim for injury incurred on your premises, such as slipping on a spilt drink. Claims can also be made if a person falls ill after consuming food or drink that you have supplied. Be aware that in most cases, areas such as dancefloors and kid’s playgrounds need separate cover.

Employer’s liability insurance

This is legally binding, even if you only employ a few part-time staff members. It is also in your own interests to protect your business from claims of illness, accident or injury to staff, or claims of unfair dismissal and other types of grievance.

Events insurance

If you hold gigs or other events, you may need separate cover. It may be covered by your public liability insurance, but its best to check the small print first. You may need to declare extended opening hours, extra equipment, or an above average volume of customers.

Contents and building insurance

This is to protect you from events such as fire and flood, and also violent theft and damage.

Business interruption

If for any reason your business needs to close for a length of time, this will help you to cover your running costs and compensate for lost trading.

This may sound like a lot of paperwork, but it’s best to bite the bullet, and ask for help if you need advice. If you have specific needs, shop around because you will find that there is a broker out there with exactly the right deal for you.

For Staffordshire business insurance, talk to us today.

Tradesman’s Tools Stolen From Van As He Worked On House

Tradesman’s Tools Stolen From Van As He Worked On House

A tradesman lost an ‘extensive’ amount of tools from his van as it was parked outside a house in Uttoxeter, Staffordshire Live reports. The thieves pulled up in broad daylight behind the van, which was parked in a residential area of the town. The tools were quickly transferred to a white Ford Transit van, which drove off before the theft was noticed.

Fortunately CCTV footage has been obtained, which has provided vital evidence to help the police track down the criminals.

PCSO Sean Elliott, of Uttoxeter Rural, said: “It is a timely reminder to keep your vehicles secure at all times, even when working at a location. Opportunist thieves will quickly take advantage. With good information coming in from the local residents, and enquiries going well, the police, alongside the communities which they work, can often bring good results.

According to Security News Desk, only 1% of stolen tools are recovered. Furthermore, in London last year, £17.5m worth of tools were stolen, which amounts to £57,000 worth every day. For tradespeople, who are often self-employed, the thefts lead to loss of work and income, and cause extra stress and anxiety.

For those with adequate insurance cover, it is a case of going through the necessary paperwork to claim the cost of replacing the tools. If the tools were not adequately insured, or sufficient security methods weren’t followed, then some tradespeople may not be able to afford to replace the tools, and never recover financially from the loss.

To reduce the chance of theft, police advise people not to store tools in their van overnight. If it is unavoidable to leave tools in the van, the advice is to park in a busy area, preferably one that is monitored by CCTV. Vehicles should be alarmed, and tools kept in lockable interior cabinets, which if possible should be bolted or locked to the floor.

For Staffordshire business insurance, talk to us today.