CHAMBER PROFILE Cyber Insurance - a modern risk
Risk is something all business owners are faced with and deal with on a daily basis. There are many risks surrounding a business and these risks pose various questions; what if my shop is broken into? What if my restaurant has a fire? What if my warehouse has a flood? For centuries businesses have
been able to safeguard themselves against the financial implications of such unforeseen occurrences through insurance. If you are a business owner in
2018 you are probably familiar with the core insurance covers under a typical business insurance policy. For new business owners, a quick search on the internet will identify the types of insurance your business may need and depending on your trade, will often highlight some, if not all of the following:
• Public Liability • Employers’ Liability • Cover for Stock • Cover for Contents • Cover for Computers • Business Interruption Insurance
These are all now commonplace
for most small businesses. However, we are living in an age where one of the most essential risks is not accounted for under a typical commercial insurance package; cyber risks for business. If you have a business website,
communicate with customers via email, store data on a computer or rely on computer software to function you may want to consider the risks involved. The cyber threat has been reported in the news much more frequently than ever before and your business could be vulnerable to a data breach or loss of vital business services. The National Cyber
‘Criminals are launching more online attacks on UK business than ever before’
Security Centre has found that criminals are launching more online attacks on UK business than ever before, combine this with the new General Data Protection Regulation (GDPR) guidelines to follow and you may find your business needs help to navigate the cyber world; the risks
posed by it and the threat of attack. Cyber
Insurance is the answer to such risks – there to provide cover and assistance in what is a very new and complex risk. If you would like advice
regarding cyber insurance for your
business – please give Higos Insurance Services a call. Higos are a local independent insurance broker based in Plymouth who will be able to advise you on the right cover for you.
Visit:
www.higos.co.uk The Wessex Program
Prevention is better than cure Were you aware that slips, trips and falls (STF) accidents account for over half of all reported injuries?
WESSEX OFFER THE BEST SLIP RESISTANCE INSTRUMENTS ON THE MARKET
This costs employers and organisations substantial losses in liability claims every year, and costs individuals personal injury, even death, as a direct result of preventable slip accidents.
Many STF accidents are preventable. The Wessex program is designed to help with that responsibility, to provide a tailor-made solution enabling prevention before a cure becomes necessary.
THE WESSEX PROGRAM INVOLVES:
• THE PRODUCTS: The Pendulum skid tester; The Tortus floor friction tester
• Contract floor testing to suit individual requirement • Product training
• Calibration service (Including all models of TRL type skid resistance testers)
• Consultancy
FOR FURTHER INFORMATION CONTACT US ON: T: +44 (0) 1934 824000 E:
info@wessextestequipment.co.uk W:
www.wessexprecisioninstruments.co.uk
WESSEX TEST EQUIPMENT Unit 11 Knightcott Industrial Estate, Banwell, Weston-super-Mare, BS29 6JN.
Autumn 2019 Chamber Profile 53
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