About Damian Hayes

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So far Damian Hayes has created 34 blog entries.


Liability It has been a difficulty for some years in deciding who was an employee. The HSE has recently issued guidelines 1 that they would use in judging whether a worker was an employee and the Revenue & Customs have issued more extensive guidelines. The latter publication is aimed more at ensuring the correct taxation [...]

By |2019-07-29T12:41:59+00:00July 29th, 2019|Liability|0 Comments

The Collapse of Carillion

With the fallout of Carillion’s collapse continuing, we thought we should reemphasise the importance of trade credit insurance The recent demise of Carillion demonstrates that no matter the size of a company, it can still fail and often with a much more catastrophic effect. Building construction site with scaffolding, low angle view The [...]

By |2019-07-30T13:58:47+00:00July 8th, 2019|Liquidation|0 Comments


Analysis of the findings of almost 4,000 rebuild cost assessments carried out by Insurtech start up RebuildCostASSESSMENT. com also revealed that while underinsurance becomes less likely as sums insured increase, the overall picture is one of widespread inadequacy of cover.

By |2019-06-19T11:26:57+00:00June 3rd, 2019|Insurance Advice|0 Comments

Business Interruption

The most recent (2017) survey of Declaration Linked Business Interruption insurance by the Chartered Institute of Loss Adjusters (CILA) highlighted the ongoing concerns of underinsurance in Business Interruption (BI) claims.  The latest survey, the fourth in nine years, identified that 47.5% of BI policies were arranged on a declaration linked basis and that 44% of [...]

By |2019-05-13T12:09:38+00:00May 13th, 2019|Insurance Advice|0 Comments

A Guide to Credit Insurance

With the uncertainty of trade now and in the next few years, Credit Insurance should be a serious consideration around many board meetings. Real stress will be put upon the cash flow of a number of companies up and down the UK, due to fluctuating prices and the uncertainty with the UK leaving the European [...]

By |2019-05-13T23:46:06+00:00May 13th, 2019|Insurance Advice|0 Comments

Cyber Insurance

Unlike health care and financial services organizations who regularly handle personal information, some professional services providers like engineers have been slower to adopt cyber insurance policies, assuming their risk is fairly limited. But, any business that relies on computer systems to generate or store business-critical information can have a very real exposure to cyber risks [...]

By |2019-05-13T02:11:44+00:00July 10th, 2018|Cyber Insurance|0 Comments