News

  • Notification of Insurance Claims: Beware!

    While the terms of an insurance contract will vary depending on the type of policy, there are a number of standard or common terms. The distinction between terms of insurance policies that are “conditions precedent” to insurer’s liability as opposed to bare conditions is often a crucial one. Conditions precedent must be fully complied with on a very strict basis: if such term is breached, the insurer can refuse to cover a claim even if it has not suffered any material harm or prejudice by it. A claims notification condition is one of such conditions precedent. Requirements for notification Determining…

  • Work Related Stress: Duties of an Employer

    Legislation puts a duty on each employer to ensure that, as far as is reasonably practicable, the health of employees is not endangered in the course of their work. This includes stress. Employers must ensure that the demands placed on employees while at work are reasonable. This is not just confined to the job the person does, but involves the person’s entire role at work, from the moment the person enters the workplace to the moment he or she leaves. Under health and safety law, all workplaces should have, a current operational Safety Statement which outlines the hazards and risks…

  • No-Deal Brexit: Green Cards and UK Driving Licences

    The current uncertainty and the likelihood of a no-deal Brexit are causing confusion for many motor insurance policyholders. Should a no-deal Brexit take place on 29th March 2019, some important changes may impact your personal and/or commercial motor insurance. Green Cards A Green Card is an internationally recognised insurance document that provides proof of the minimum compulsory motor insurance cover required by the relevant country. Currently, Irish-registered vehicles that travel within the EU are covered by the terms of the EU Motor Insurance Directive. However, a no-deal Brexit would see the UK withdraw from this directive, meaning Irish motorists will…

  • Stress Injuries: Are They Covered by Employers’ Liability Insurance?

    Stress injuries are on the rise but are they covered by Employers’ Liability insurance? Stress in the workplace is classified as an injury when physical and psychological symptoms begin to manifest. The most typical physical symptoms can include stomach pains, headaches, frequent indigestion, pains in the chest, while the psychological symptoms may include anxiety or insomnia. A recent ESRI study, funded by the Health and Safety Authority (HSA), found that stress among employees in Ireland doubled from 8% in 2010 to 17% in 2015. The study identified that job stress is more common among people experiencing high levels of the following…

  • Cyber Fraud & Cyber Insurance

    In today’s world, technology is vital in order to conduct business. However, this very same technology can also leave your business vulnerable to very costly security threats. Cybercriminals have become very sophisticated and the frequency of cyber crime is on the rise, as well as the financial consequences. It used to be easy to spot a fraudulent email: a massive windfall from a lottery you’ve never heard of, an inheritance from a long lost relative. Now, they are virtually impossible to spot. According to the FBI, between October 2013 and May 2018, some $12.5 billion was lost worldwide due to…

  • Employment: is it about managing relationships or getting the work done?

    The Workplace Relations Commission (WRC) provides information on industrial relations, rights and obligations under Irish employment and equality legislation. Its masthead clearly explains the purpose of the the State’s Industrial Relations agency and how it views employment – it’s all about managing relationships. If you’re an employer – particularly an Irish entrepreneur – you didn’t start your business to add another complex relationship to your life with every person you took on: your goal was to produce your product or supply your service and make a little profit at the same time. Employees, when it came time to hire them,…