Recent content by Paul Baldwin

  1. Paul Baldwin

    Where to buy insurance

    Cheers @Faevilangel I'm in the office all day today @PDRD if you need any help. I look after the insurances of other steel fabricators and I'm sure we'll be able to come up with a competitive alternative for you. We are independent brokers and will approach the market on your behalf
  2. Paul Baldwin

    Business Networking Meetings

    Its very unlikely that you need any insurance. One exposure is damage to the venue caused by yourselves. For example if in a presentation a member used a ropey extension lead which caught fire - unlikely but possible.....
  3. Paul Baldwin

    Do I need insurance when starting a home based web design company?

    It is worth considering Public Liability and Professional Indemnity. Some professional indemnity policies will only indemnify you in respect of a claim brought against you for a negligent act. Others are written on a much wider civil liability basis, which would cover you in respect of claims...
  4. Paul Baldwin

    Selling to America

    We might be able to help you @delta - we work with a lot of importers and exporters. I am in most of tomorrow if you want a chat...
  5. Paul Baldwin

    Should I be looking at product liability insurance?

    Nope Public Liability cover indemnifies you in respect of claims brought against you for death, injury or damage to third party property arising from your business activities. Not being able to fulfil an order has nothing to do with it at all. In @Davek0974 's case it seems like the risk is...
  6. Paul Baldwin

    'Employers' Liability? Opinions needed...

    Phil should have had Employers Liability cover and is, I would have thought, going to find himself in a bit of a legal mess. As far as Employers Liability regulations are concerned the definition of an Employee is not just someone on your PAYE. The law requires you to hold EL Insurance for...
  7. Paul Baldwin

    Business insurance for doing international business

    Hi, If you require cover for US jurisdiction then the £5,000 excess seems about right. If your contracts are made under UK law and it is simply a case of you needing a policy with worldwide territorial limits but UK jurisdiction then we may be able to offer you an alternative
  8. Paul Baldwin

    Using twitter

    Hi Darren, hope you are well I would agree with the sentiment that Twitter can be great fun and an excellent way of keeping in touch with contacts and clients. But like me I fear you are not going to get masses of business from it. We get the odd bits and pieces from our @cass_stephens account...
  9. Paul Baldwin

    Small Machinery Company - Need Advice

    mmm not sure about having as "little insurance as possible"! What you need to do is speak to a broker to identify the cover you actually need. Do you need to insure the machines themselves? How about stock, work in progress and goods in trust? Business interruption? Public and Products...
  10. Paul Baldwin

    Advice on Starting a Skip Hire company

    you need to register as a waste carrier - see https://www.gov.uk/waste-carrier-or-broker-registration you will also need a licence from local authorities to for a permit to place skips on the highway. Different councils have differing insurance requirements - for example I have a client on the...
  11. Paul Baldwin

    Public liability or indemnity???

    Some great advice on here. A lot of cleaning agencies operate on this basis and insurance solutions are available to accommodate this scenario. Speak to a broker, there are plenty of us about
  12. Paul Baldwin

    insurance for commercial property/warehouse

    As WFChris ways you need a commercial combined policy and should speak to a broker - there are plenty of us about!
  13. Paul Baldwin

    advise needed re new venture

    make a list of which hotels near to you are independents rather than part of a chain and start from there. You can use something like creditsafe to find our who the owners are
  14. Paul Baldwin

    Business Insurance Question

    We should be able to help so please yes PM away! Cheers
  15. Paul Baldwin

    Creating a home bakery business

    As peggyprice says you need to consider Public / Products Liability Insurance Also make sure that your house insurers are aware of what you are doing
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