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As is often the way with the modern media, once they have had their fill of a story they move on to the next headline and rarely spend much time on the aftermath.

Back in January 2012, the Costa Concordia sank on its side in shallow water off the Italian Island of Giglio and is still there. But even though 16 months have elapsed, given that it has been likened to the Eifel Tower on its side, perhaps that should not be a surprise.

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Whilst maintaining adequate IT security is a must, things happen that can be beyond your control or simply go wrong. Criminals are also becoming far more sophisticated and evolving ways around advancements in IT security. How confident are you that you and your staff will always follow procedures regarding passwords and security, not open that email containing a virus or leave a laptop or phone containing information on a train, plane or a bus?

There will always be unintentional human error and unfortunately also the risk of intentional damage. Tight contractual requirements with providers are also a must, but how easy will it be to obtain damages or what if that company goes bust?. And it's not just big businesses being targeted by hackers, but lots of small ones too. Whilst the large-scale hack attacks on the news often involve big companies, small companies are also at risk and often don't have the financial resources to get back on track after a hacking attack or other kinds of data loss. In fact, over a third of global targeted attacks were aimed at businesses with less than 250 employees. Cyber-attacks are quickly becoming one of the greatest risks faced by smaller companies.

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Posted by on in Financial Services Blog

At the end of last month's article I mentioned that business owners can potentially treat life insurance as an expense. This generated a lot of interest so I'm using this month's article to explain how.


This can be done through a "Relevant Life Policy" which is a stand-alone death-in-service plan. As it is classed as a death-in-service plan there are no tax implications for the employee even though the employer is paying the premiums, i.e. the employee pays no income tax and national insurance on this benefit.

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In my some of my blogs have I mentioned the ever growing threat to small business from cybercrime. With this is mind I am blogging the link to a very relevant and well written article written by Roland Gribben from the Telegraph on Tuesday 23rd April.

 

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How much is your ISA allowance increasing to for the 2013-14 tax year? If you answered £5,760 you are wrong by 100%. That is the maximum that can be paid into a Cash ISA. The total allowance is increasing to £11,520. However, to utilise this full allowance you will have to make use of an Investment ISA.

The Investment ISA is often missed, even by those who pride themselves on using their allowance on 6th April each year, but why? For one, they are subject to less marketing than Cash ISAs. Secondly, I think they are deliberately ignored by many because they are perceived as risky. In my opinion, in the current market, the real risk is keeping everything in cash.

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Posted by on in Financial Services Blog

Have you ever used a financial adviser where they have arranged your initial investment and you have never heard from them again? In fact this is very common. In most of these instances, the adviser will be taking an annual charge from your investment, but what are they doing to earn this, if they are not actively looking after your plan?

It is now the financial services regulator's requirement, following the Retail Distribution Review, to ensure adviser charges are justified. Nsure have always ensured this, and won't just take your money and leave you to your own devices. We offer a wide range of ongoing services which is why we know our annual charge is well earned.

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Posted by on in Renewable Energy Blog

Nsure Renewables client, Cleanwind Ltd, formed in 2009 to meet the demand for experienced technicians in the wind industry, has experienced significant growth.

Amongst many other services, Cleanwind currently provide blade cleaning teams throughout the UK and Southern Ireland to tackle the on-going issue of dirty blades, nacelle's and tower sections. Their cleaning practices ensure that all damage concealed behind years of operational dirt, grease and algae growth is disclosed and reported back to clients.
"We work hard to ensure we use cleaning agents which best suit the environment, using the most environmentally friendly products available. We also work closely with our suppliers, who provide us with specifically designed washing units to meet our operational needs" explains co-owner, Paul Quinn.

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The Cadzow family have long been renowned for the Luing breed of cattle, which was first developed after 1947 on the island of Luing in the Inner Hebrides by brothers Shane, Denis and Ralph Cadzow.

 

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Posted by on in Renewable Energy Blog

Nsure Renewables are pleased to congratulate their clients Renewable Energy Generation Limited (REG) who have entered a long term strategic partnership with a fund managed by BlackRock.


The Transaction comprises three key components:

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Posted by on in Nsure Technology

In these modern times businesses seemingly rely more and more on email, internet, e-commerce and other on-line activities leaving them exposed to the ever increasing problems of hacking, viruses and theft of data. For many companies their computer systems are of significant importance and vital to their day to day business activities and with cyber criminals seemingly having no discrimination between either SME or Blue Chip Businesses all are at risk.

 

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Within my previous blogs I have provided various reasons & scenarios as why businesses today should seriously consider buying Cyber Liability Insurance. I am now able courtesy of CFC Underwriting to provide ten reasons to buy Cyber Liability Insurance. CFC Underwriting are one of the UK's major providers of Cyber Liability Insurance and are therefore extremely well placed to provide this information.

 

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Posted by on in Nsure Technology

One of a business's greatest concerns with data storage and backup is security, IE: how can you make sure your data is safe both internally and externally if using cloud solutions.

 

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Posted by on in Nsure Technology

It has recently been reported  that Britain we will be unable to properly defend itself from the threat of cyber-attacks  for at least another twenty years due to the lack of IT experts in Britain. With this in mind lessons in cyber security will now be stepped up in schools and colleges with the hope that they will produce a new generation of IT experts who are able to combat hackers and online criminals, this will ultimately lead to the government  introducing a GCSE in computer science to the syllabus in the near future.

 

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Posted by on in Nsure Technology

Cybercrime is fast becoming the number one threat to business with a total cost to businesses in 2011 worldwide of circa £241bn and UK business £21bn. Much effort is being made to understand the size and the patterns of cyber-attacks, indeed in 2011 the UK government set aside £650m over four years to tackle the continuing problem. The report found that intellectual property theft accounted for virtually half of all cybercrime although this didn't include such acts as downloading illegal music and video down loads.

 

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Nsure are pleased to announce that they have agreed a bespoke liability insurance policy wording with Zurich Energy for their renewable energy insurance book of business.

 

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Posted by on in Nsure Technology

A recent article published by a technology services provider in the states suggested that 60% of companies suffering a major loss of data will shut down within six months of the event occurring. Whilst this may seem extreme consider how rapidly the situation could escalate -:

 

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In November of 2011, Liquid Robotics dropped four of its brand new Wave Glider robots in the water just off the coast of San Francisco with hopes of making history and learning a thing or two in the offing. Two of the robots would set a course for Japan and the other two for Australia, each destination roughly 9,000 nautical miles away. It was to be the longest journey ever taken by any autonomous vehicle, a slow but steady swim across the entire Pacific Ocean that would collect and relay high resolution oceanographic and atmospheric data all along the way, stopping only for a quick maintenance check-up in Hawaii--if they made it that far at all.


And so Liquid Robotics' engineers dumped their robots into the rolling water and turned them loose, uncertain as anyone else whether the robots could survive the weather, waves, and wildlife they would surely encounter on a trans-Pacific crossing. There are sharks out there, after all. Massive waves and gale-force winds. There's a whole lot of saltwater out there, itself a force for destruction and disruption of mechanical systems. And yet almost exactly a year after launching the Wave Glider known as "Papa Mau" navigated around the Great Barrier Reef and arrived off the coast of Queensland Australia in May 2012, half a world away from where it started and only somewhat worse for wear.

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Pentland Road Wind Farm (Pentland) on the Isle of Lewis, Scotland, has been in construction since early Spring 2012. Nsure Renewables, specialist insurance brokers for the renewable energy industry, arranged all insurances for the £27 million project in conjunction with financing from the Co-Operative Bank, and, as with every wind farm has proved to be demanding in more ways than one.

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As wind energy capacity in the UK continues to grow, days with a lack of wind can have a significant impact on industry and the financial performance of individual companies.

Nsure Renewables, specialist insurance brokers to the renewable energy industry, have looked to the Met Office to use its expertise as a world leading provider of weather and climate services to help companies manage the impacts of low wind.

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Posted by on in Renewable Energy Blog

Planning permission has been given to build Britain's largest solar power plant, topping out at a massive 35 megawatts.

 

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