We have produced a new infographic highlighting the key risks in the construction sector. These include workplace issues, emerging risks and accidents, injuries and illness.
The document discusses various predictions for the UK insurance market in the coming year. It begins by reviewing the accuracy of predictions made in last year's report, identifying several areas that played out as expected, such as growth in the catastrophe bond market and contraction of the annuity market. The rest of the document outlines 50 specific predictions across different sectors, including expectations that implementation of the Insurance Act 2015 will require careful handling and that the "internet of things" will reshape property insurance coverage and claims.
The document discusses various predictions for the UK insurance market in the coming year. It begins by reviewing the accuracy of predictions made in last year's report, identifying several areas that played out as expected, such as growth in the catastrophe bond market and changes to the pensions industry. The rest of the document then provides 50 focused predictions on issues like implementation of a new Insurance Act, the impact of new technologies, and challenges relating to sanctions, arson prevention, and major infrastructure projects.
Probability Disribution Preseantaion (Motorcycle)AznJZ121
Motorcycle accidents are a serious problem, with over 5,000 motorcycle fatalities nationwide in 2007. Risk factors for motorcycle accidents include riding without a license or training, not wearing a helmet, riding while intoxicated, and speeding. In Pennsylvania specifically, there were over 4,000 motorcycle accidents in 2007 resulting in 225 fatalities. Proper safety precautions like wearing a helmet, which can reduce the risk of death by 37%, are strongly recommended as motorcycle fatalities continue to rise each year.
How often do accidents occur at work, and how often are they fatal? What are the most common cause, and which industries are the riskiest? Find it all out here.
The document discusses the potential effects of the Maritime Labour Convention (MLC) on Protection and Indemnity (P&I) insurance. It notes that the MLC could impact P&I insurance by requiring coverage for sickness and injury compensation, expenses due to crew abandonment, and financial security in the event of insolvency. The document concludes by noting that P&I clubs will keep their members updated as countries implement the MLC through national legislation based on recommendations from the International Group of P&I Clubs.
In this inaugural publication, we look at the current key antitrust trends, focusing not only on established regions for antitrust such as the EU and the US but also growth regions such as Asia Pacific, Africa and the Middle East – looking at both merger control and antitrust enforcement. We highlight the main merger control risks for businesses contemplating an M&A transaction and consider practical ways of avoiding or minimising those risks. We also shine a spotlight on three sectors that have experienced particular scrutiny from the authorities of late: financial services, information technology and pharmaceuticals.
EDAM Presentation - 'Restitutio ad Integrum'RTALS LLP
Brenda Mitchell, specialist motorcycle Lawyer and Senior Partner at Motorcycle Law Scotland, talks about how she manages compensation claims for injured motorcyclists on a daily basis, dealing with insurance companies, medical experts and rehabilitation specialists. The focus is on trying to get injured motorcyclists back to the position they were in prior to the incident as much as possible.
The document discusses various predictions for the UK insurance market in the coming year. It begins by reviewing the accuracy of predictions made in last year's report, identifying several areas that played out as expected, such as growth in the catastrophe bond market and contraction of the annuity market. The rest of the document outlines 50 specific predictions across different sectors, including expectations that implementation of the Insurance Act 2015 will require careful handling and that the "internet of things" will reshape property insurance coverage and claims.
The document discusses various predictions for the UK insurance market in the coming year. It begins by reviewing the accuracy of predictions made in last year's report, identifying several areas that played out as expected, such as growth in the catastrophe bond market and changes to the pensions industry. The rest of the document then provides 50 focused predictions on issues like implementation of a new Insurance Act, the impact of new technologies, and challenges relating to sanctions, arson prevention, and major infrastructure projects.
Probability Disribution Preseantaion (Motorcycle)AznJZ121
Motorcycle accidents are a serious problem, with over 5,000 motorcycle fatalities nationwide in 2007. Risk factors for motorcycle accidents include riding without a license or training, not wearing a helmet, riding while intoxicated, and speeding. In Pennsylvania specifically, there were over 4,000 motorcycle accidents in 2007 resulting in 225 fatalities. Proper safety precautions like wearing a helmet, which can reduce the risk of death by 37%, are strongly recommended as motorcycle fatalities continue to rise each year.
How often do accidents occur at work, and how often are they fatal? What are the most common cause, and which industries are the riskiest? Find it all out here.
The document discusses the potential effects of the Maritime Labour Convention (MLC) on Protection and Indemnity (P&I) insurance. It notes that the MLC could impact P&I insurance by requiring coverage for sickness and injury compensation, expenses due to crew abandonment, and financial security in the event of insolvency. The document concludes by noting that P&I clubs will keep their members updated as countries implement the MLC through national legislation based on recommendations from the International Group of P&I Clubs.
In this inaugural publication, we look at the current key antitrust trends, focusing not only on established regions for antitrust such as the EU and the US but also growth regions such as Asia Pacific, Africa and the Middle East – looking at both merger control and antitrust enforcement. We highlight the main merger control risks for businesses contemplating an M&A transaction and consider practical ways of avoiding or minimising those risks. We also shine a spotlight on three sectors that have experienced particular scrutiny from the authorities of late: financial services, information technology and pharmaceuticals.
EDAM Presentation - 'Restitutio ad Integrum'RTALS LLP
Brenda Mitchell, specialist motorcycle Lawyer and Senior Partner at Motorcycle Law Scotland, talks about how she manages compensation claims for injured motorcyclists on a daily basis, dealing with insurance companies, medical experts and rehabilitation specialists. The focus is on trying to get injured motorcyclists back to the position they were in prior to the incident as much as possible.
We’ve produced a new infographic on the challenges facing employers in the construction sector. These include the skills shortage, recruitment and staff retention.
The document summarizes information from a career conference hosted by the Griffith Insurance Education Foundation in Columbus, Ohio from August 9-11, 2010. The conference goals were to network and gain ideas for communicating careers to high school students, understand career opportunities in the insurance industry, and gain career information resources. The document provided statistics on employment in the Ohio insurance industry, highlighted in-demand jobs in insurance, and discussed opportunities and competitive wages across insurance sectors including property/casualty.
The document discusses various topics related to risk management and insurance. It begins by summarizing a review by the Financial Conduct Authority (FCA) of insurers' handling of commercial claims, noting potential areas for improvement such as loss scenario planning, interim payments, transparency around legal counsel, and consistency in burden of proof requirements. It then discusses risks related to intellectual property for businesses, including value, defense against infringement, attack if rights are infringed, and contract indemnities. Finally, it discusses the importance of insurance due diligence for mergers and acquisitions to help buyers avoid surprises after taking ownership of a target company.
Geopolitical risks can result in substantial losses for businesses operating globally. Alliant Emerging Markets (AEM) is a partner that can help address these risks through their experience and expertise. AEM offers political risk insurance and risk mitigation services tailored to clients' sectors and countries of operation. Their goal is to not just provide insurance but also help identify, assess, and reduce clients' unique global risks through comprehensive analysis and customized solutions.
Following the triggering of Article 50 on 29 March 2017 starting the negotiating process for the UK to leave the EU, this publication provides an overview of implications facing accountants, including corporate governance, audit, accounting, tax, VAT and employment. The publication also contains the articles I wrote on FX implications (3.2 and 3.3).
A Spanner In The Works: What Next For The UK Construction Industry?Amelia Green
* 43% of our respondents believe skills shortages constitute the most pressing concern for the construction industry sector.
* 40% of UK construction workers are set to retire in the next 15-20 years.
* 72% of our respondents feel concerned about the impact of Brexit
In this edition we highlight the latest HSE accident statistics, which present a mixed picture with regard to fatal incidence rate in the construction sector.
CBI’s Statement on PRIA to Congressional SubcommitteeJasonSchupp1
The House Financial Services Committee’s Subcommittee on Housing, Community Development and Insurance will hold a hearing on Thursday November 19, 2020 entitled Insuring Against a Pandemic: Challenges and Solutions for Policyholders and Insurers. The hearing is expected to focus on the Pandemic Risk Insurance Act (HR 7011) introduced in May by Representative Maloney of New York.
The Centers for Better Insurance is submitting the attached Statement for the Record which warns this well-intended legislation (as well as the excess program in the joint industry Business Continuity Protection Program) would:
• Leave small businesses, nonprofits, and local governments in no better position during future pandemics than they are today as they struggle to survive COVID-19 lockdown orders while battling their insurance companies in court; and
• Grant large corporations license to design their own multi-billion-dollar taxpayer funded pandemic bailouts free from Congressional oversight, U.S. Treasury supervision, and public scrutiny.
PRIA is based on the Terrorism Risk Insurance Act (TRIA) thereby adopting and amplifying its two greatest shortcomings:
• PRIA would remove only the “virus exclusion” from small business insurance policies. More than 80% of court cases dismissing small business claims for COVID-19 business interruption so far have been based on a lack of “direct physical loss or damage” – not the virus exclusion alone. PRIA is no more than a ticket for small businesses, nonprofits, and local governments to head back to court to litigate whether a virus can cause property damage as their businesses crumple under the weight of future pandemic lockdown orders.
• PRIA would allow large corporations to set up their own personal insurance companies (known as “captives”) offering their owners generous pandemic coverages with 95% of the cost transferred to the American taxpayer. According to U.S. Treasury, up to 95 cents of every dollar paid out under TRIA following a future terrorist attack would pass through captives on the way to the coffers of large corporations. No doubt large corporations would likewise siphon off the lion’s share PRIA’s payouts through these secretive special purpose vehicles.
The American taxpayer in on the hook for “only” 80% of the $100 billion TRIA program. Perhaps continued tolerance of that program’s well-known defects is somehow justifiable. However, there can be no justification to replicate these defects and extrapolate them into a taxpayer liability for 95% of a $750 billion program.
The document discusses various challenges and opportunities facing the aviation industry. Technological changes are helping airlines meet growing demand for air travel while coping with high fuel prices and environmental regulations. New materials and automated systems allow for more fuel efficient aircraft, helping address concerns over aviation's carbon emissions. However, risks remain from geopolitical instability, public health issues, and intense competition within the industry. The rapid pace of innovation could help aviation continue its trajectory of overcoming adversity through technological progress.
This document provides an overview of the Summer 2015 edition of the Public RM magazine. It includes:
- A preview of sessions at the upcoming Alarm National Educational Forum, including a session challenging conventional approaches to defending claims.
- A summary of the Chairman's comments, where he discusses recent governance failings in local councils and questions if lack of resources has led to corners being cut in important areas like governance and risk management.
- The contents page listing various articles in the magazine on topics like insurance, charities, children's services, and cyber security.
This document provides an analysis of how the ongoing civil war in Yemen represents a shift in modern warfare that changes the risks faced by war and political violence insurers in London. The conflict marks the first time that Saudi Arabia and its allies have independently intervened militarily in the region without Western support. This has created new challenges for underwriters as they must now account for unpredictable regional powers directly engaging in conflicts. The article uses comments from an underwriter to argue that events in Yemen reflect a paradigm shift that makes the risks faced by insurers more difficult than ever to model and foresee.
Cyber liability insurance provides coverage for both losses a business suffers directly from a cyber incident, such as a hack or cyber extortion attempt, as well as liability to third parties for damages from security or privacy breaches. It covers expenses related to investigations, notification of affected customers, reputational damage, business interruption, theft, and more. The document recommends that any business that handles customer data, is subject to payment industry standards, relies on IT systems, or has a website consider obtaining cyber liability insurance due to the high likelihood of experiencing a successful cyber attack.
This document summarizes the key risks and opportunities related to pension changes in 2015 in the UK. The top six risks are listed as fraudulent investment schemes, unexpected tax bills, giving up final salary guarantees, pension pots running out too soon, investments not meeting expectations, and overestimating state benefits. It also discusses challenges facing pension trustees such as communicating budget flexibilities. Overall, the document outlines issues and considerations surrounding recent UK pension reforms being implemented in 2015.
WEF2020 Regional Risks – Are Small Businesses Covered?JasonSchupp1
Each year in preparation for its annual meeting in Davos, Switzerland, the World Economic Forum (WEF) polls more than 10,000 business leaders from around the world on their perceptions of the top global risks for doing business.
The WEF’s Regional Risks for Doing Business report ranks responses to its Executive Opinion Survey conducted between January and July of this year.
15.7.16 dayton area chamber of commerce newsletter - romito it can wait eventhmhollingsworth
The document is an email from the Dayton Area Chamber of Commerce announcing that open enrollment is underway for the Dayton/Miami Valley Safety Council's BWC Rebate Program, which could provide participating businesses a rebate of up to 4% on their workers compensation premiums. It also announces that the deadline has been extended to July 31st for applications for the Greater Dayton Workplace Diversity Award. Upcoming chamber events are listed, including a Small Business Toolkit event on fraud in the workplace on July 23rd and a Safety Breakfast on distracted driving on August 19th.
Every year, the Allianz Risk Barometer identifies the most important corporate perils for the next 12 months and beyond, based on the insight of more than 2,700 risk management experts from 92 countries and territories. What are the top business risks for 2021?
This document provides a summary of the insurance market in Australia for the first half of 2015. It notes that competition has led to lower premiums for clients with good risk management. Insurers have retained more risk internally to reduce costs. Emerging risks like cyber threats, cloud computing, drones and terrorism present new challenges. The outlook discusses specific sectors like mining, which faces pressure from low commodity prices, and power generation, which has surplus capacity due to low economic growth. The document advises clients to ensure their insurance programs are sustainable in the current competitive market environment.
By monitoring the signals/narrative in the environment it is possible to identify which are perking, which are trending and which are early or weak signals of change. Depending how adept you are in the process, it is possible to predict the outcome/influence of a trend and to develop foresight.
The article discusses how captives are increasingly being used by middle market companies as part of their enterprise risk management strategies. Captives allow mid-sized companies to reduce insurance costs, protect some assets, and insure risks not covered by the commercial markets. Some additional benefits of captives for mid-market firms include rewarding employees through ownership and creating tax-efficient claims reserves. The article argues that captives, when properly structured, can help mid-sized businesses holistically manage risks across their organizations in a more integrated manner through their enterprise risk management programs.
Part 1: Working on asbestos roofs can be dangerous due to the risk of falling through fragile materials. Asbestos roof sheeting is not always strong enough to support a person's weight. Several deaths have occurred due to falls from asbestos roofs during maintenance work.
Part 2: Strict safety measures must be followed when working on asbestos roofs, including fall protection equipment, planning, training for workers, and supervision. Demolition of buildings with asbestos roofs requires the asbestos to be removed first, usually by licensed contractors using controlled methods to minimize dust.
Part 3: Asbestos roofs must be identified and included in asbestos management plans. The Control of Asbestos
The outlook according to key players across the construction sector and the insurance industry
Key players in the construction sector recently met with leading construction insurers to discuss current trends and debate the future outlook for their industries. The meeting of minds was organised by Lucas Fettes & Partners and Constructing Excellence, the organisation charged with driving the change agenda in construction.
Read the report: The future for construction insurance
Lucas Fettes and Constructing Excellence have published a report that presents an overview of some of the insights that emerged from the initial discussion, including some direct extracts from the transcript of the evening.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
More Related Content
Similar to Construction sector - the big risks infographic
We’ve produced a new infographic on the challenges facing employers in the construction sector. These include the skills shortage, recruitment and staff retention.
The document summarizes information from a career conference hosted by the Griffith Insurance Education Foundation in Columbus, Ohio from August 9-11, 2010. The conference goals were to network and gain ideas for communicating careers to high school students, understand career opportunities in the insurance industry, and gain career information resources. The document provided statistics on employment in the Ohio insurance industry, highlighted in-demand jobs in insurance, and discussed opportunities and competitive wages across insurance sectors including property/casualty.
The document discusses various topics related to risk management and insurance. It begins by summarizing a review by the Financial Conduct Authority (FCA) of insurers' handling of commercial claims, noting potential areas for improvement such as loss scenario planning, interim payments, transparency around legal counsel, and consistency in burden of proof requirements. It then discusses risks related to intellectual property for businesses, including value, defense against infringement, attack if rights are infringed, and contract indemnities. Finally, it discusses the importance of insurance due diligence for mergers and acquisitions to help buyers avoid surprises after taking ownership of a target company.
Geopolitical risks can result in substantial losses for businesses operating globally. Alliant Emerging Markets (AEM) is a partner that can help address these risks through their experience and expertise. AEM offers political risk insurance and risk mitigation services tailored to clients' sectors and countries of operation. Their goal is to not just provide insurance but also help identify, assess, and reduce clients' unique global risks through comprehensive analysis and customized solutions.
Following the triggering of Article 50 on 29 March 2017 starting the negotiating process for the UK to leave the EU, this publication provides an overview of implications facing accountants, including corporate governance, audit, accounting, tax, VAT and employment. The publication also contains the articles I wrote on FX implications (3.2 and 3.3).
A Spanner In The Works: What Next For The UK Construction Industry?Amelia Green
* 43% of our respondents believe skills shortages constitute the most pressing concern for the construction industry sector.
* 40% of UK construction workers are set to retire in the next 15-20 years.
* 72% of our respondents feel concerned about the impact of Brexit
In this edition we highlight the latest HSE accident statistics, which present a mixed picture with regard to fatal incidence rate in the construction sector.
CBI’s Statement on PRIA to Congressional SubcommitteeJasonSchupp1
The House Financial Services Committee’s Subcommittee on Housing, Community Development and Insurance will hold a hearing on Thursday November 19, 2020 entitled Insuring Against a Pandemic: Challenges and Solutions for Policyholders and Insurers. The hearing is expected to focus on the Pandemic Risk Insurance Act (HR 7011) introduced in May by Representative Maloney of New York.
The Centers for Better Insurance is submitting the attached Statement for the Record which warns this well-intended legislation (as well as the excess program in the joint industry Business Continuity Protection Program) would:
• Leave small businesses, nonprofits, and local governments in no better position during future pandemics than they are today as they struggle to survive COVID-19 lockdown orders while battling their insurance companies in court; and
• Grant large corporations license to design their own multi-billion-dollar taxpayer funded pandemic bailouts free from Congressional oversight, U.S. Treasury supervision, and public scrutiny.
PRIA is based on the Terrorism Risk Insurance Act (TRIA) thereby adopting and amplifying its two greatest shortcomings:
• PRIA would remove only the “virus exclusion” from small business insurance policies. More than 80% of court cases dismissing small business claims for COVID-19 business interruption so far have been based on a lack of “direct physical loss or damage” – not the virus exclusion alone. PRIA is no more than a ticket for small businesses, nonprofits, and local governments to head back to court to litigate whether a virus can cause property damage as their businesses crumple under the weight of future pandemic lockdown orders.
• PRIA would allow large corporations to set up their own personal insurance companies (known as “captives”) offering their owners generous pandemic coverages with 95% of the cost transferred to the American taxpayer. According to U.S. Treasury, up to 95 cents of every dollar paid out under TRIA following a future terrorist attack would pass through captives on the way to the coffers of large corporations. No doubt large corporations would likewise siphon off the lion’s share PRIA’s payouts through these secretive special purpose vehicles.
The American taxpayer in on the hook for “only” 80% of the $100 billion TRIA program. Perhaps continued tolerance of that program’s well-known defects is somehow justifiable. However, there can be no justification to replicate these defects and extrapolate them into a taxpayer liability for 95% of a $750 billion program.
The document discusses various challenges and opportunities facing the aviation industry. Technological changes are helping airlines meet growing demand for air travel while coping with high fuel prices and environmental regulations. New materials and automated systems allow for more fuel efficient aircraft, helping address concerns over aviation's carbon emissions. However, risks remain from geopolitical instability, public health issues, and intense competition within the industry. The rapid pace of innovation could help aviation continue its trajectory of overcoming adversity through technological progress.
This document provides an overview of the Summer 2015 edition of the Public RM magazine. It includes:
- A preview of sessions at the upcoming Alarm National Educational Forum, including a session challenging conventional approaches to defending claims.
- A summary of the Chairman's comments, where he discusses recent governance failings in local councils and questions if lack of resources has led to corners being cut in important areas like governance and risk management.
- The contents page listing various articles in the magazine on topics like insurance, charities, children's services, and cyber security.
This document provides an analysis of how the ongoing civil war in Yemen represents a shift in modern warfare that changes the risks faced by war and political violence insurers in London. The conflict marks the first time that Saudi Arabia and its allies have independently intervened militarily in the region without Western support. This has created new challenges for underwriters as they must now account for unpredictable regional powers directly engaging in conflicts. The article uses comments from an underwriter to argue that events in Yemen reflect a paradigm shift that makes the risks faced by insurers more difficult than ever to model and foresee.
Cyber liability insurance provides coverage for both losses a business suffers directly from a cyber incident, such as a hack or cyber extortion attempt, as well as liability to third parties for damages from security or privacy breaches. It covers expenses related to investigations, notification of affected customers, reputational damage, business interruption, theft, and more. The document recommends that any business that handles customer data, is subject to payment industry standards, relies on IT systems, or has a website consider obtaining cyber liability insurance due to the high likelihood of experiencing a successful cyber attack.
This document summarizes the key risks and opportunities related to pension changes in 2015 in the UK. The top six risks are listed as fraudulent investment schemes, unexpected tax bills, giving up final salary guarantees, pension pots running out too soon, investments not meeting expectations, and overestimating state benefits. It also discusses challenges facing pension trustees such as communicating budget flexibilities. Overall, the document outlines issues and considerations surrounding recent UK pension reforms being implemented in 2015.
WEF2020 Regional Risks – Are Small Businesses Covered?JasonSchupp1
Each year in preparation for its annual meeting in Davos, Switzerland, the World Economic Forum (WEF) polls more than 10,000 business leaders from around the world on their perceptions of the top global risks for doing business.
The WEF’s Regional Risks for Doing Business report ranks responses to its Executive Opinion Survey conducted between January and July of this year.
15.7.16 dayton area chamber of commerce newsletter - romito it can wait eventhmhollingsworth
The document is an email from the Dayton Area Chamber of Commerce announcing that open enrollment is underway for the Dayton/Miami Valley Safety Council's BWC Rebate Program, which could provide participating businesses a rebate of up to 4% on their workers compensation premiums. It also announces that the deadline has been extended to July 31st for applications for the Greater Dayton Workplace Diversity Award. Upcoming chamber events are listed, including a Small Business Toolkit event on fraud in the workplace on July 23rd and a Safety Breakfast on distracted driving on August 19th.
Every year, the Allianz Risk Barometer identifies the most important corporate perils for the next 12 months and beyond, based on the insight of more than 2,700 risk management experts from 92 countries and territories. What are the top business risks for 2021?
This document provides a summary of the insurance market in Australia for the first half of 2015. It notes that competition has led to lower premiums for clients with good risk management. Insurers have retained more risk internally to reduce costs. Emerging risks like cyber threats, cloud computing, drones and terrorism present new challenges. The outlook discusses specific sectors like mining, which faces pressure from low commodity prices, and power generation, which has surplus capacity due to low economic growth. The document advises clients to ensure their insurance programs are sustainable in the current competitive market environment.
By monitoring the signals/narrative in the environment it is possible to identify which are perking, which are trending and which are early or weak signals of change. Depending how adept you are in the process, it is possible to predict the outcome/influence of a trend and to develop foresight.
The article discusses how captives are increasingly being used by middle market companies as part of their enterprise risk management strategies. Captives allow mid-sized companies to reduce insurance costs, protect some assets, and insure risks not covered by the commercial markets. Some additional benefits of captives for mid-market firms include rewarding employees through ownership and creating tax-efficient claims reserves. The article argues that captives, when properly structured, can help mid-sized businesses holistically manage risks across their organizations in a more integrated manner through their enterprise risk management programs.
Part 1: Working on asbestos roofs can be dangerous due to the risk of falling through fragile materials. Asbestos roof sheeting is not always strong enough to support a person's weight. Several deaths have occurred due to falls from asbestos roofs during maintenance work.
Part 2: Strict safety measures must be followed when working on asbestos roofs, including fall protection equipment, planning, training for workers, and supervision. Demolition of buildings with asbestos roofs requires the asbestos to be removed first, usually by licensed contractors using controlled methods to minimize dust.
Part 3: Asbestos roofs must be identified and included in asbestos management plans. The Control of Asbestos
Similar to Construction sector - the big risks infographic (20)
The outlook according to key players across the construction sector and the insurance industry
Key players in the construction sector recently met with leading construction insurers to discuss current trends and debate the future outlook for their industries. The meeting of minds was organised by Lucas Fettes & Partners and Constructing Excellence, the organisation charged with driving the change agenda in construction.
Read the report: The future for construction insurance
Lucas Fettes and Constructing Excellence have published a report that presents an overview of some of the insights that emerged from the initial discussion, including some direct extracts from the transcript of the evening.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The document discusses the changing risks facing charities and nonprofit organizations. Key risks mentioned include reduced funding due to Brexit, increased governance requirements, cyber threats, and reputational damage. It provides advice on managing risks through developing a risk register, business continuity planning, crisis management, and ensuring good governance, strategic planning, and risk culture within the organization. Insurance can help mitigate financial losses but not all risks, so prevention through strong management is important to build resilience against challenges.
We’ve compiled a list of questions that we’re commonly asked by our clients about automatic enrolment, and answered them on the following slides.
From 'What is automatic enrolment,and does it apply to me?' to 'How do I choose the right pension supplier?' you'll find the most frequently asked questions - and the answers you need.
It’s undoubtedly a difficult time for many charity trustees, and a new report* reveals that an “unprecedentedly hostile charity environment” now exists in the UK.
The charity and not for profit sector has been increasingly under the media spotlight, and the necessity for an effective and robust trustee board was highlighted following the high profile collapse of Kids Company last summer.
We’ve put together an infographic of the top 25 questions that every charity trustee should be asking.
*Source: Top 100 Charities Fundraising report
According to the Environment Agency, over 5 million people in the UK live or work in flood risk area.
The risk of flooding can reduce the value of your business premises and can make the arrangement of insurance cover trickier or more expensive. The impact of flood risk on the potential value of your property can be reduced by improving the flood resistance and flood resilience of the property and its contents.
In this SlideShare we’ll look at how to assess the risk of flooding to your business.
Read our 10 top tips for using Twitter. From setting up your profile to adjusting your privacy settings to what to do if you need to mute or block someone, we've got all the essential information on using Twitter and staying safe online.
Whether you’re planning on visiting family or friends over the Christmas period, or are jetting off for a winter getaway, it’s important to make sure your home is safe and secure before you set off.
Here are our top ten tips for protecting your home while you are away over winter.
The Chancellor gave a combined Spending Review and Autumn Statement on 25 November 2015. He announced a number of measures that will affect businesses, individuals and the UK as a whole.
We have produced a 12 page Autumn Statement report which includes details of these, including sections on business initiatives, pensions, changes to personal allowances and more.
We held a free workshops on preparing for automatic enrolment for National Council for Voluntary Organisations (NCVO) members on November 13th, at NCVO headquarters in Central London. Lucas Fettes & Partners is a Trusted Supplier to NCVO.
Here are the slides from the workshop which covered what you need to do and when.
New laws mean every organisation must automatically enrol certain workers* into a suitable workplace pension scheme and contribute towards it. If you already have a workplace pension scheme, you need to ensure it meets the minimum requirements. Employers who don’t comply could face a range of fines, starting from a fixed penalty of £400 and escalating to fines of at least £50 per day for non-compliance.
Lucas Fettes & Partners - offering tailored solutions for corporate and perso...Lucas Fettes & Partners
Lucas Fettes & Partners is an independently owned insurance brokerage and financial planning firm that offers tailored solutions to corporate and individual clients. They provide a wide range of services including commercial insurance, personal insurance, corporate and personal financial planning, and wholesale brokerage facilities. The firm prides itself on offering high-quality personalized service and building long-term relationships with clients.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
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The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...ABHILASH DUTTA
This presentation provides a thorough examination of Over-the-Top (OTT) platforms, focusing on their development and substantial influence on the entertainment industry, with a particular emphasis on the Indian market.We begin with an introduction to OTT platforms, defining them as streaming services that deliver content directly over the internet, bypassing traditional broadcast channels. These platforms offer a variety of content, including movies, TV shows, and original productions, allowing users to access content on-demand across multiple devices.The historical context covers the early days of streaming, starting with Netflix's inception in 1997 as a DVD rental service and its transition to streaming in 2007. The presentation also highlights India's television journey, from the launch of Doordarshan in 1959 to the introduction of Direct-to-Home (DTH) satellite television in 2000, which expanded viewing choices and set the stage for the rise of OTT platforms like Big Flix, Ditto TV, Sony LIV, Hotstar, and Netflix. The business models of OTT platforms are explored in detail. Subscription Video on Demand (SVOD) models, exemplified by Netflix and Amazon Prime Video, offer unlimited content access for a monthly fee. Transactional Video on Demand (TVOD) models, like iTunes and Sky Box Office, allow users to pay for individual pieces of content. Advertising-Based Video on Demand (AVOD) models, such as YouTube and Facebook Watch, provide free content supported by advertisements. Hybrid models combine elements of SVOD and AVOD, offering flexibility to cater to diverse audience preferences.
Content acquisition strategies are also discussed, highlighting the dual approach of purchasing broadcasting rights for existing films and TV shows and investing in original content production. This section underscores the importance of a robust content library in attracting and retaining subscribers.The presentation addresses the challenges faced by OTT platforms, including the unpredictability of content acquisition and audience preferences. It emphasizes the difficulty of balancing content investment with returns in a competitive market, the high costs associated with marketing, and the need for continuous innovation and adaptation to stay relevant.
The impact of OTT platforms on the Bollywood film industry is significant. The competition for viewers has led to a decrease in cinema ticket sales, affecting the revenue of Bollywood films that traditionally rely on theatrical releases. Additionally, OTT platforms now pay less for film rights due to the uncertain success of films in cinemas.
Looking ahead, the future of OTT in India appears promising. The market is expected to grow by 20% annually, reaching a value of ₹1200 billion by the end of the decade. The increasing availability of affordable smartphones and internet access will drive this growth, making OTT platforms a primary source of entertainment for many viewers.
The Evolution and Impact of OTT Platforms: A Deep Dive into the Future of Ent...
Construction sector - the big risks infographic
1. The BIG risks facing the construction sector
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For advice about these, or any other risks facing your organisation, please get in touch. We would welcome the opportunity to offer you our expert advice with a free,
no obligation consultation. Call us on 0330 660 0401, email us at construction@lucasfettes.co.uk or visit www.lucasfettes.co.uk/construction.
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Late payment was a factor in
one in fiveof all
construction insolvencies.
Source: Smith & Williamson
An average of 45 fatal deaths
occur per year - almost half
caused by fall from height.
Source: HSE
ACCIDENTS, INJURIES AND ILLNESS EMERGING RISKS WORKPLACE ISSUES
The construction industry
accounts for 31% of
all fatal injuries to employees.
Source: HSE
Construction shares fell an
average of 21% on 24th June
following the Brexit vote.
Source: FTSE
36% of construction employers
described their workplace as a
‘high’or‘very high’stress
environment.
Source: CITB
51% of women
working in construction say they are
treated worse at work simply
because of their gender.
Source: UCATT
4 in 10women working
in construction identified
bullying and harassment
by managers as a problem.
Source: UCATT
3% of construction workers sustain a
work-related injury each year.
Source: HSE
An estimated 1.2m days
were lost in 2014/15 due to
work related ill-health
Source: HSE
Automatic Enrolment fines (all sectors):
806 Fixed Penalty Notices
issued in first three months of 2016, bringing
total issued to 2,234 since 2012.
Source: TPR
Penalty
There were 77,000 incidents
of online crime
against construction premises in 2015
Source: Home Office
Over 5,500 cases of
occupational cancer
are recorded each year in
the construction industry.
Source: HSE