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What Insurance do you need for a small business?

Thinking about insurance may not be one of the most exciting things to do, but it is unfortunately necessary if you want to have a worry-free life. Understanding what kind of small business insurance you need for your business can seem like a daunting task, but if you break it down, it is actually quite logical. If you have a small business, you are legally required to have EL (employer’s liability insurance), which covers you should any of your employees suffer an illness or injury while working for you. In addition to EL, there are some other insurance policies that you should consider as a small business:

1) Contents and portable equipment insurance.

Do you use specialist equipment for your business? Or perhaps you have offices where you keep expensive equipment, such as servers, computers and printers? Protecting these expensive assets with an insurance policy is never a bad idea as you will be protected against a number of scenarios (eg. fire, a burst water pipe, etc). You might also carry a lot of stock on your premises and insuring them against theft and damage could save you in a big way in the future!

2) Public liability insurance.

Any small business should consider their need for public liability insurance. This kind of insurance will cover you in the event that you are taken to court as a result of a business activity which has caused damage or injury to another person or their property. At the end of the day, no matter how hard we try to be perfect in our business dealings, we are all human and mistakes can easily happen at any time. Your legal costs will be covered, as well as any compensation you need to pay to the injured party. Bear in mind that some large companies will only (understandably) award contracts to small businesses that are covered by public liability insurance.

3) Cyber Insurance.

In these modern times, the vast majority of companies use a digital system of some kind. While these systems can be protected by firewalls, virus protection and strong passwords, they are still vulnerable to cyber attacks. Cyber insurance can protect your business against malware and cyber attacks and cover any costs related to legal claims and compensation costs.

4) Directors’ and Officers’ Liability Insurance.

Directors’ and Officers’ Liability Insurance (also known as D & O) covers the directors and any other individual who has management responsibility in your business should they be personally held liable for their business actions.
This could involve breaches to UK health and safety regulations, errors in financial reporting and mismanaging the company pension fund.

Conclusion.

Still not sure what kind of business insurance is most suitable for your needs?
Don’t worry, we can help! Contact a member of the Nova Insurance team and we will give you expert advice
that is tailor-made around your business. Our call centre is open 6 days a week and calls are free of charge as we use 0800 numbers

How To Provide Your Salon’s Customers With Excellent Customer Service

Customer service is the process of taking care of potential, new, and existing customers before during and after a transaction is made. The aim is to provide an experience that exceeds customer expectations and leads to a satisfied customer. When done properly, customer service is mutually beneficial, providing the customer with a service that meets their needs, and your salon with repeat business. Good customer service will mean an increase in customer loyalty which may result in your customers spending more money, more often with your salon. It is also important for your salons reputation, as a happy customer will spread a positive message about you to others.

Providing excellent customer service means becoming more focused on the customer as a human being rather than as a profit centre, your main aim should be to build good customer relationships. This means you need to understand their needs and wants, treat them respectfully and go out of your way to help them, so you can develop a strong rapport with your customers.

Here are a few tips to help your salon provide the best service to your customers:

Salon Design

To begin with, your salon’s design should be appealing and the services you offer should be relevant to your target markets needs. There should be a formal system in place to deal with all the stages of interaction with your customers, and all your staff must be familiar with it. Also, you must take care of your staff as they are the face of your business. They must be properly trained and given the necessary tools they need to perform their duties.

Staff

Staff should conduct themselves in a friendly but professional manner at all times. They should always be polite to the customers, greeting them with a warm friendly smile. Using first names and remembering facts about their life, such as their birthdays, vacations stories or kids name will make your clients feel special and important.

Keeping The Customer Updated

Customers should not be kept waiting at any time. If you feel you will be running late, give them a call so they can make any adjustments to their schedules, it will be appreciated. It is important to ask clients questions about the service you are about to perform, so as to make sure you are on the same page, for example when it comes to new hair styles or hair colouring.

You can use technology to help you provide a better service, for example sending out automatic texts or emails a few days before their appointment, to remind customers and give them a chance to reschedule if it is no longer appropriate. You can also use the internet to send them information about how to take care of their hair after their visit, and to set up an opt in newsletter that informs them of new trends in the industry, combined with a loyalty discount programme for frequent salon visits.

Handling Complaints

You should listen to customers opinions and suggestions for improving your salon and their experience. It is also important to have a process in place for handling complaints, which must be dealt with quickly so as to avoid any further grievances.

Ultimately as a salon you are in the business of serving customers, so by providing excellent customer service should be your main goal. Good customer service takes time and requires constant monitoring in order to keep the standards consistent. The success of your business depends on how your customers feel when they leave your salon, because it is the customer experience that separates your salon from your competitors.

A regular review of your customer service procedures is essential to maintain and improve existing standards. Remember it costs more to get a new client than to keep an existing one, so make customer service the focus of your salon business to keep clients coming back.

Safety Tips For Roofers and Scaffolders Working At Heights

As a roofer and or scaffolder the majority of your work involves working at high elevations, and working from heights represents one of the biggest safety challenges in the construction industry. Slipping and falling from heights or objects falling from heights cause serious and fatal injuries every year. So it is very important to follow a strict code of practice with regards to health and safety, in order to minimise the chances of workplace accidents.

All roofers and scaffolders in the UK are required by law to hold a valid CSCS card as proof that you have obtained the required training. This involves passing the CITB Health, safety & environment (HS&E) test, which demonstrates that you have a minimum level of health, safety and environmental awareness before going onto any site.

Risk Assessment:

Before undertaking any work at height, a proper risk assessment must be carried out to highlight measures that need to be taken in order to prevent any potential accidents. The recommended health and safety risk management approach involves five steps, first check for any potential hazards that are commonly associated with falls, then decide who could be injured and how. Next consider whether there are already measures in place to deal with the risks, then record your findings. Finally perform a regular review to account for any significant changes that may take place, and ensure that precautions are in place to deal with any new risks.

Basic Safety Tips:

In addition to performing risk assessments, there are some basic safety tips that can be adopted to prevent injuries on the job. All Roofers and scaffolders must use the required PPE equipment when on site, and this equipment should be kept in good working order at all times. Hard hats must be worn at all times when working on site, and non slip shoes should be used when working on ladders or scaffolds to improve grip. When the weather is not good, such as when it is very windy, or raining or snowing, it can be dangerous to work at heights, and so it should be avoided at these times.

To stop objects falling onto people below, heavy equipment should be hoisted up as opposed to being carried by hand. Ladders and scaffolds should always be secured to prevent them moving. Don’t move scaffolds or ladders when others are working on it. Scaffolds should be fitted with guard rails to protect from falls, and toe boards to prevent falling debris, tools or building materials.

Scaffolding & Roofs:

Scaffolds and roofs should be cleaned at the end of shifts so as to remove any debris that might cause slipping. Also, it is essential to remove any equipment that is not in use from working surfaces so as to prevent people tripping on it. Loads on scaffolding and ladders should be kept well below the maximum weight capacity. When working on fragile roofs, safe access must be provided and a platform combined with safety nets should be used beneath the roof. Some form of safety harness should be worn so as to protect in the event of any falls.

Health & Safety Regulations:

It is your duty to protect yourself, your employees and members of the public from potential hazards. Therefore it is important to understand and practice the regulatory requirements that apply to your industry. The ‘Workplace Health, Safety and Welfare Regulations’ (1992) covers all aspect of the workplace while the ‘Work at Height Regulations’ (2005) covers all aspect of working at heights. Failure to comply with these regulations can lead to fines and charges.

For roofers and scaffolders, working at height and the risks that come with it are a part of the job. However many of the situations that lead to accidents can be avoided by following the appropriate health and safety practices. In the end it comes down to assessing the workplace for potential hazards, and using the appropriate safety equipment and practices.

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