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Preparing for the future with AI

Preparing for the future with AI

Preparing for the future with AI needs a smart plan that balances new ideas with safety. Here are five ways employers can handle AI changes well:

 

 

Foster Psychological Safety:Woman using AI to do work

Make a safe place where workers feel okay to share ideas, ask questions, or admit mistakes. This helps them feel good about work and lets problems with AI get fixed early.

Train Employees:

Help workers learn more about AI so they can avoid problems. Teach them about ethics in AI, spotting bad AI, and keeping things safe online.

Implement Comprehensive Policies:

Start by checking out all the good and bad things about using AI. Use tools like SWOT analysis to get ideas. Then, make rules about how to use AI in a good way. Talk to everyone involved so everyone’s ideas can be heard. And keep up with what’s new in AI so you can make changes to the rules if needed.

 

AI robot doing things with technology

Introduce AI Solutions Gradually:

It’s cool to try new AI stuff, but don’t rush. Try things out little by little to make sure they work right. If you move too fast, you might make mistakes or make workers feel left behind.

Consider Collaborating with an AI Partner:

Get help from experts who know a lot about AI. They can suggest good AI tools and help you use them. This makes it easier to use AI in your work.

 

In the end, AI can make work faster and better, but it can also cause problems. With AI growing fast, it’s important for companies to be preparing for the future with AI. If you want to know more about how to be safe with AI, just ask us. We’re here to help!

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Travel Insurance to protect yourself abroad

Protect yourself abroad with Travel Insurance

As summer approaches, the excitement of planning your holiday can sometimes overshadow the practicalities that ensure peace of mind. One of the most crucial aspects of travel preparation is securing travel insurance. This blog will help you understand what travel insurance is, why it’s essential, and the different components that can protect you from unforeseen events during your travels.

What Is Travel Insurance?

Travel insurance is a safety net designed to protect you against financial losses that might occur before or during your trip. It can cover a range of issues from trip cancellations and medical emergencies to lost luggage. In essence, it ensures that your investment in your holiday is protected and that you have support in handling unexpected situations. The policy can be bought as individual per trip, or as a whole annual sum for multiple trips, often it is more cost effective to pay an annual sum.

Why Is Travel Insurance Important?

Imagine you’ve booked a non-refundable luxury trip, and a week before departure, you fall ill. Without travel insurance, you might lose all the money spent on flights, hotels, and tours. Travel insurance mitigates such risks, offering peace of mind and financial protection. Here are some compelling reasons to consider it:

– Financial Protection: Recover non-refundable costs if you must cancel your trip.

– Medical Emergencies: Covers medical expenses and emergency evacuations.

– Peace of Mind: Ensures assistance in emergencies like lost luggage or travel delays.

Types of Travel Insurance

To tailor travel insurance to your needs, understanding its components is key. Here’s a breakdown of the most common types of coverage available:

  1. Trip Cancellation: This coverage reimburses you for pre-paid travel expenses if you must cancel your trip due to unforeseen circumstances such as illness, injury, or death of a family member.
  1. Travel Delay: If your trip is delayed due to reasons like flight cancellations or severe weather, this coverage reimburses you for additional expenses incurred, such as accommodation and meals.
  1. Trip Interruption: If your trip is cut short for reasons covered by the policy—like illness, severe weather, or family emergencies—this insurance helps recover the costs of the interrupted part of your trip.
  1. Medical/Health: This covers medical, and emergency expenses incurred due to illness or injury while traveling, ensuring you get the necessary treatment without worrying about the costs. However, it’s important to remember this does not automatically cover you for any pre-existing medical issues.
  1. Medical Evacuation: In case of severe illness or injury, this coverage arranges and pays for emergency transport to a suitable medical facility or back home.
  1. Accidental Death: Provides financial compensation in the event of death during your trip, offering peace of mind for you and your loved ones.
  1. Luggage Loss: Reimburses you for personal items that are lost, stolen, or damaged during your trip. Note that this may exclude items lost or damaged by airlines, so reviewing the policy details is crucial.
  1. Theft/Personal belongings: Most policies will cover your assets in case of theft, loss, damage, etc. However, you must be aware of the inner limits of your policy, as they often differ (the amount the insurer will pay and what criteria you must meet for them to do so).

As you plan your summer holiday, don’t overlook the importance of travel insurance. It’s a small investment that can save you from significant financial losses and provide support in emergencies. Whether it’s a medical situation, a flight delay, or lost luggage, having comprehensive travel insurance means you can focus on enjoying your trip, knowing you’re protected against life’s unexpected turns.

Before purchasing, always read the policy details carefully to ensure it provides the correct cover.

Here at Robison, we provide bespoke insurance policy’s to cover all of your needs, to ensure you have safe travels and happy holidays/business trips!

 

To discuss a query, new policy, or current policy please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Your Guide to Understanding Key Insurance Terms

Navigating Insurance Lingo: Your Guide to Understanding Key Insurance Terms

Navigating insurance terminology can feel like navigating a confusing maze, but don’t worry! We’re here to guide you through it in a friendly and approachable manner. Whether you’re a seasoned insurance pro or just dipping your toes into the world of coverage, understanding the language used in insurance policies is essential. So, let’s break down some of the most common insurance terms together!

Average Clause:

A provision reducing a valid claim based on the degree of under-insurance.

Capital Additions Clause:

Covers alterations or additions to existing premises or newly acquired buildings, as well as additional computer or office equipment.

Conditions:

Additional provisions in an insurance policy outlining procedures, qualifications, or important stipulations. Conditions may include:
Conditions precedent of the policy, relieving the insurer of all liability if not observed.
Conditions precedent to liability, relieving the insurer of liability for a particular claim if not observed.
Conditions subsequent, which don’t prejudice claim payment but entitle insurers to counterclaim damages.

Data Protection Act:

Covers liability incurred under Sections 22 and 23 of the Data Protection Act 1984, related to personal data. Exclusions include fines, penalties, and the cost of data replacement or rectification.
Debris Removal Clause: Covers costs of removing debris, dismantling, demolishing, and shoring up.
Definition of Employee: Encompasses individuals under contract with the insured, labor masters and their workers, subcontractors, self-employed individuals, students or interns under supervision, and hired or borrowed workers.

Excess:

The portion of loss borne by the insured before insurance coverage applies (also known as deductible).

Green Card:

An international certificate of insurance for motorists traveling abroad.

Health & Safety at Work Defence Costs:

Covers expenses for defending against criminal proceedings related to breaches of health and safety regulations.

Indemnity:

A principle aiming to restore the insured to their pre-loss position as much as possible.

Indemnity Period:

Applies to Business Interruption Insurance, specifying the maximum period during which the policy protects against business interruptions due to damage.

Indemnity to Other Persons:

Extends indemnity to directors, employees, and members of related organisations.

Indemnity to Principal:

Provides indemnity to public or local authorities, with insurers controlling all claims.

Limit of Indemnity:

The maximum amount for which the insurer is liable under the policy.

Long Term Undertaking (LTU):

Agreement offering premium discounts for policy renewal at existing terms for a specified period.

Other Interests:

Parties with vested interests must declare them to insurers in case of loss.

Prevention of Access:

Covers property damage hindering access to premises.

Reinstatement Day One Non-Adjustable:

Initial cost of reinstatement plus an agreed inflation percentage.

Subrogation:

The insurer’s right to step into the insured’s shoes to pursue rights and remedies.

Sum Insured:

The policy’s liability limit.

Unoccupied Premises Warranty:

Conditions for maintaining security and inspecting unoccupied premises.

Warranty:

A condition imposed by the insurer, which, if not met, can discharge the insurer from liability.
Types include:
Express Warranty: Specific undertakings by the insured.
Implied Warranty: Related to the seaworthiness or legality of an adventure, mainly in marine insurance.

Understanding these key insurance terms puts you in the driver’s seat when it comes to protecting yourself, your loved ones, and your assets. If you ever find yourself unsure about any insurance terminology or need assistance with your policy, don’t hesitate to reach out to your insurance agent. They’re there to help you navigate the ins and outs of insurance coverage with confidence!

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Watch out for these 5 sneaky scams!

Watch Out for These 5 Sneaky Scams!

Did you know that a whopping 3.4 million spam emails are sent worldwide every single day? Spotting scams used to be easy-peasy with all their language slip-ups, but now, cyber-criminals utilize advanced AI techniques to make their messages appear authentic. But guess what? Phishing emails aren’t the only tricks up their sleeves. There are plenty of other schemes waiting to catch you off guard. So, it’s super important to keep your guard up and protect your personal info, especially on social media. Here are five scams you’ll want to keep an eye out for:

Quishing:

Picture this: You scan a QR code, and suddenly you’re directed to a fake login page. That’s quishing in action! These QR codes could pop up anywhere—from parking meters to your inbox. So, keep your eyes peeled and think twice before you tap.

Tapjacking:

Ever heard of tapjacking? It’s like a sneaky ninja move for your phone. Scammers sneak a sketchy app or overlay onto your screen, making it hard to see what you’re tapping. That’s how they trick you into doing stuff you didn’t mean to. Stick to downloading apps from trusted sources to avoid falling into their trap.

AI and deepfake scams:

Yep, scammers are getting tech-savvy! They’re using AI to impersonate legit sources, like creating fake audio of your boss asking you to wire money. Sneaky, right? Stay sharp and question anything fishy that comes your way.

Spear-phishing:

This is like the ninja of scamming! Scammers gather info about you—your name, job, relationships—and use it to craft super convincing messages. But hold up! Legit organizations don’t usually spill personal details like that in their emails, so if you see it, it’s a big red flag.

Online ads:

Okay, so you know those ads that pop up everywhere online? Well, some of them might be scams. Even though there’s a law in the works to crack down on scammy ads, it’s not in effect yet. So, be careful where you click!

Stay savvy, stay safe, and keep those scammer ninjas at bay!

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison

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Spring cleaning

Spring cleaning tips for a peaceful and decluttered home

A peaceful house could be an enjoyable escape from the daily grind. A simple way to promote peacefulness is to declutter. Numerous study organisations have discovered that decluttering and carrying out spring cleaning can improve worker efficiency, mood, and quality of sleep. Moreover, you and your family will feel safer in an uncluttered atmosphere. Piles of paper, packaging, and other flammable substances in particular could be a fire hazard. Unnecessary items on the floor could obstruct fire escape routes and pose a trip hazard. Therefore, if you want to be healthy and smiling this spring, think about the benefits of decluttering. Consider the following advice to get you going with your spring cleaning:

Create a list.

You can focus on the parts of your house that require immediate spring cleaning.  As you examine your home, make a note of any problematic spots that require attention. Focus in on certain drawers, cabinets, and shelving that need to be cleaned, taking extra care to tidy up any spaces that might have become overlooked over the winter.

 

Starting small.

Taking on a lot at once runs the risk of overwhelming yourself too much. Rather, choose a room and begin decluttering a single drawer or nook. Alternatively, set a timer to remind you to declutter for a specific number of minutes each day.

 

Make use of storage options.

After sorting the objects, choose a storage location. Make use of every inch of space, even under the beds, the washbasin, and the stairs. Showcase your belongings without fear; use fashionable storage boxes or stacking drawers for this.

 

It can feel like an uphill battle to declutter and spring clean. However, you may create a calm environment, lessen tension, and improve safety with little changes. Contact us now for more advice on home safety.

 

To find out more about the Employment tribunal compensation increase and how it affects you,

Please feel free to get in touch with us by clicking one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk