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<channel>
<title>Cherry Picked Insurance News</title>
<language>en-gb</language>
<link>http://cherry-picked-insurance.co.uk</link>
<description>Latest news stories from Cherry Picked Insurance</description>
  <item>
    <title><![CDATA[Trials and Errors]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/trials-and-errors]]></link>
    <description><![CDATA[
      Business, like life, doesn't always go to plan.&nbsp; No matter how well managed your company is, things can sometimes still go wrong.&nbsp; Even the most reputable company can find itself in a dispute with a client over a mistake.&nbsp; How can you protect the business you have worked so hard to...      ]]>
    </description>
    <pubDate>2008-08-18 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Credit where it's due]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/credit-where-its-due]]></link>
    <description><![CDATA[
      If you answer yes to any of the following questions, we may be able to help you.

Have any of your customers ever been become insolvent? 
Have you ever experienced a bad debt? 
Do you regularly sell to new customers or markets? 
Do you need help assessing the financial status of your custome...      ]]>
    </description>
    <pubDate>2008-08-11 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Age Discrimination regulations, make sure you comply!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/age-discrimination-regulations-make-sure-you-comply]]></link>
    <description><![CDATA[
      Sadly, it is well known that ageism remains rife in the workplace, despite the introduction of age discrimination legislation in 2006 making it unlawful to discriminate against workers on the grounds of age.&nbsp; It is believed that many retirees have experienced pressure from their employer to ...      ]]>
    </description>
    <pubDate>2008-08-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Small Business Liability Insurance]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/small-business-liability-insurance]]></link>
    <description><![CDATA[
      Anyone who runs a small business, is self employed or works as a freelance tradesman should consider small business liability insurance. 
Small business liability insurance can help bring peace of mind to thousands of business people and tradesmen across Britain, and in some cases it has, no dou...      ]]>
    </description>
    <pubDate>2008-07-24 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Taking Control of Your Goods]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/taking-control-of-your-goods]]></link>
    <description><![CDATA[
      IMPORTS
"My suppliers insure the goods"
If you think your supplier is insuring the goods free of charge , you're mistaken.&nbsp; They are paying to insure and are probably passing on this undisclosed cost to you - in their invoice!&nbsp; As regards the cover, where purchasers require the suppli...      ]]>
    </description>
    <pubDate>2008-07-23 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Working at Height]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/working-at-height]]></link>
    <description><![CDATA[
      If you are a tradesman there is a good chance that you and/or your employees work at height on a day to day basis. Working at height brings its own safety concerns so it is important that all necessary precautions are taken to minimise the chances of a mishap. However, accidents happen even in th...      ]]>
    </description>
    <pubDate>2008-07-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[How sleep easy is your summer holiday insurance cover]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/how-sleep-easy-is-your-summer-holiday-insurance-cover]]></link>
    <description><![CDATA[
      In the event of a possible or actual incident there may be medical emergencies, airport closures, flight delays and the need to pay for alternative accommodation. The degree to which these things are covered ranges from some insurance policies covering medical expenses or repatriation costs but n...      ]]>
    </description>
    <pubDate>2008-07-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[How extinguished are you?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/how-extinguished-are-you]]></link>
    <description><![CDATA[
      This isn't new legislation, it came into force in October 2006 but what is news, as reported in 2008 by Norwich Union is that research has found that only 47% of small businesses may be aware of the Regulatory Reform Fire Safety Order (RRFSO) legislation.
Whilst adequate and appropriate training...      ]]>
    </description>
    <pubDate>2008-07-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Employee Fraud, could it happen to you?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/employee-fraud-could-it-happen-to-you]]></link>
    <description><![CDATA[
      So who are the perpetrators? Would it surprise you to know a fraud survey in 2004 as reported by Zurich Insurance company shows that businesses can't afford to be complacent:-

32%&nbsp;of perpetrators have worked for the company between 10 - 25 years 
40% of frauds involved employees from the...      ]]>
    </description>
    <pubDate>2008-07-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Mind your EPC's!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/mind-your-epcs]]></link>
    <description><![CDATA[
      The Energy Performance Certificate is similar to the labels currently shown on domestic appliances, like washing machines, which record energy efficiency. The point of the EPC is to make the owner or tenant aware of the energy performance of the building they're interested in buying or renting, s...      ]]>
    </description>
    <pubDate>2008-07-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Is your Company Driving on Thin Ice?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/is-your-company-driving-on-thin-ice]]></link>
    <description><![CDATA[
      The Corporate Manslaughter and Corporate Homicide Act 2007 came into force on 6 April 2008, creating a new offence called Corporate Manslaughter in England, Wales and Northern Ireland, and Corporate Homicide in Scotland.
There are no new duties or obligations under the Act, nor is the new&nbsp;o...      ]]>
    </description>
    <pubDate>2008-06-27 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Bold as Brass]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/bold-as-brass]]></link>
    <description><![CDATA[
      Increased demand for metal from the Far East, together with speculative investment in base metals by financial investors, has led to record international lead and copper prices of others such as aluminium, nickel and zinc following suit.&nbsp; These increased prices have resulted in more incident...      ]]>
    </description>
    <pubDate>2008-06-27 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Glossary of Insurance Terminology - Part 1]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/glossary-of-insurance-terminology-part-1]]></link>
    <description><![CDATA[
      Insurance can be a complex area, especially if you are just starting out in business and are looking to taking out business insurance for the first time or perhaps are expanding your business and are looking for additional insurance cover. 
Here, we start to explain some of the most commonly use...      ]]>
    </description>
    <pubDate>2008-06-13 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Tradesman Liability Insurance - Why is it needed? ]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/tradesman-liability-insurance-why-is-it-needed-]]></link>
    <description><![CDATA[
      If you are a tradesman or if you work for yourself, you will probably know by now that one simple mistake or mishap has the potential to be very costly, even to the extent of closing down your business. For this reason, tradesman insurance is essential if you want to safeguard your livelihood. 
...      ]]>
    </description>
    <pubDate>2008-06-05 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Working Outdoors]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/working-outdoors]]></link>
    <description><![CDATA[
      When working outdoors, the Health and Safety Executive consider that the effects of the weather in this environment can potentially have a severe impact on the welfare of your employees if the risks have never been previously considered or managed properly. 
As an employer, you have legal obliga...      ]]>
    </description>
    <pubDate>2008-05-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Business Insurance - What is it?  Do I need it?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/business-insurance-what-is-it-do-i-need-it]]></link>
    <description><![CDATA[
      Anybody running a business, no matter how small, needs to consider business insurance. Whether you are self-employed or run a small or medium sized business you need a good insurance policy that protects you, your business and your sources of income. 
Business insurance comes in many forms, incl...      ]]>
    </description>
    <pubDate>2008-05-08 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Spring 2007 Bulletin]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/our-magazine/spring-2007-bulletin]]></link>
    <description><![CDATA[
      Spring 2007 Covernotes      ]]>
    </description>
    <pubDate>2008-02-12 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Employing Migrant Workers]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/employing-migrant-workers]]></link>
    <description><![CDATA[
      Some people are automatically entitled to work in the UK.&nbsp; Others may have restrictions on how long they can stay, whether they can work or the type of work they can do.
It is important to follow certain procedures and carry out pre –recruitment right to work checks on each potential empl...      ]]>
    </description>
    <pubDate>2008-02-11 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Floods!!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/floods]]></link>
    <description><![CDATA[
      The UK average sea level has increased by 10cm since 1900 and is set to increase, whereas the South of England is gradually sinking.&nbsp; Climate change means that we are facing drier summers, more violent storms and wetter winters.&nbsp; Whilst you can't control the weather, you can apply good ...      ]]>
    </description>
    <pubDate>2008-02-07 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[When is a car not just a car?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/when-is-a-car-not-just-a-car]]></link>
    <description><![CDATA[
      It sounds strange, but it is true! Did you know that some people use their car as a replacement bathroom whilst driving, to shave, apply make-up, change clothes or even make a call of nature!&nbsp; Some regularly eat and drink in cars but, if there are any spills, you'll take your eyes off the ro...      ]]>
    </description>
    <pubDate>2008-02-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Floods!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/floods]]></link>
    <description><![CDATA[
      The UK average sea level has increased by 10cm since 1900 and is set to increase, whereas the South of England is gradually sinking.&nbsp; Climate change means that we are facing drier summers, more violent storms and wetter winters.&nbsp; Whilst you can't control the weather, you can apply good ...      ]]>
    </description>
    <pubDate>2008-02-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Are you Underinsured?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/are-you-underinsured]]></link>
    <description><![CDATA[
      With a history of property insurance costs rising, as a temporary measure, some businesses reduced the sums insured on their property cover in order to reduce the premium.&nbsp; Beware.&nbsp; If your sums insured are not adequate, in the event of a claim, you could be penalised by the Average con...      ]]>
    </description>
    <pubDate>2008-02-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Going to the ski slopes this year? Don't slip on a banana skin!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/newsletter-articles/going-to-the-ski-slopes-this-year-dont-slip-on-a-banana-skin]]></link>
    <description><![CDATA[
      Whether you're a beginner or an off piste adrenalin junkie, you should make sure before you travel that you have the right ski insurance cover in place.&nbsp; Just because you have winter sport insurance, it doesn't mean you have insurance for basic off piste adventures let alone the more extreme...      ]]>
    </description>
    <pubDate>2008-02-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Protect Your Business Against Staff Theft]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/protect-your-business-against-staff-theft]]></link>
    <description><![CDATA[
      &nbsp;
Is your profit walking out of the door?&nbsp; There’s no easy way to put this but you, as an employer, run the risk of your staff stealing from you.
Employees are in a perfect position to steal from your business; they are aware of the weaknesses in your systems and know who the superv...      ]]>
    </description>
    <pubDate>2008-02-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Energy Performance Management]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/energy-performance-management]]></link>
    <description><![CDATA[
      Under the Energy Performance of Buildings (Certificates and Inspections) Regulations 2007, landlords and property owners in England and Wales will be required to provide an Energy Performance Certificate (EPC) for all commercial buildings when they are constructed, rented or sold.&nbsp; The EPC i...      ]]>
    </description>
    <pubDate>2008-01-30 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Slips, Trips and Falls at Work]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/slips-trips-and-falls-at-work]]></link>
    <description><![CDATA[
      Over 14,000 workers were seriously injured and nearly 50 people died in 2007 following a slip, trip or fall from height at work.&nbsp; Slips and trips are the single most common cause of injuries at work, accounting for over one third of all major injuries reported each year.&nbsp; As well as the...      ]]>
    </description>
    <pubDate>2008-01-25 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[The Corporate Manslaughter and Corporate Homicide Act 2007]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/the-corporate-manslaughter-and-corporate-homicide-act-2007]]></link>
    <description><![CDATA[
      The Corporate Manslaughter and Corporate Homicide Act is due to come into force on 6 April 2008 and affects both private and public sector organisations, with some exemptions.&nbsp; It will create a new offence called corporate manslaughter in England, Wales and Northern Ireland, and corporate ho...      ]]>
    </description>
    <pubDate>2008-01-08 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Move Your Home Insurance Upmarket]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/move-your-home-insurance-upmarket]]></link>
    <description><![CDATA[
      Improve Your Household Cover
An increasing number of people are becoming more affluent: their possessions are becoming more expensive and the collective value of their property is constantly rising.&nbsp; People are spending more, accumulating more, taking more risks and ultimately have more to ...      ]]>
    </description>
    <pubDate>2008-01-02 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Are You Putting Your Belongings at Risk?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/are-you-putting-your-belongings-at-risk]]></link>
    <description><![CDATA[
      Many people in rented accommodation are putting their belongings at risk because they are not buying home contents insurance.&nbsp; 
The increased cost of living in the UK often means that tenants are looking to cut costs.&nbsp; Home contents insurance is viewed by many as a bit of a luxury and ...      ]]>
    </description>
    <pubDate>2008-01-02 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Don't Give Criminals a Christmas Bonus]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/dont-give-criminals-a-christmas-bonus]]></link>
    <description><![CDATA[
      The Christmas period is traditionally one of the busiest periods for crime related business insurance claims such as theft and malicious damage.&nbsp; Many businesses operate with skeleton staff and some shut down entirely during this time.&nbsp; As a result, many business premises are left eithe...      ]]>
    </description>
    <pubDate>2007-12-19 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Crash for Cash]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/crash-for-cash]]></link>
    <description><![CDATA[
      'Crash for cash' is the term commonly used to describe a developing and dangerous motor insurance scam, masterminded by criminal gangs targeting honest motorists and putting innocent lives at risk.&nbsp; Organised fraudsters have found a way of turning what appear to be genuine motor accidents in...      ]]>
    </description>
    <pubDate>2007-12-19 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Work Related Stress]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/work-related-stress]]></link>
    <description><![CDATA[
      In recent years, work related stress has become a major concern for employers and employees alike and is a major cause of occupational ill health.&nbsp; According to the Health and Safety Executive, a total of 12.8 million working days were lost in 2004/5 to stress, depression and anxiety.
Some ...      ]]>
    </description>
    <pubDate>2007-11-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Reducing the Subsidence Risk to Your Home Caused by Trees]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/reducing-the-subsidence-risk-to-your-home-caused-by-trees]]></link>
    <description><![CDATA[
      Subsidence is a serious issue for both homeowners and the insurance industry according to insurer Hiscox. &nbsp;Many of the problems we see today are caused by older trees.&nbsp; However, looking into the future, homeowners - especially those with newly built homes - are urged to follow some simp...      ]]>
    </description>
    <pubDate>2007-11-06 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Guessing the Value of Your Home Contents]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/guessing-the-value-of-your-home-contents]]></link>
    <description><![CDATA[
      It is very easy to overlook the hidden assets within your home when it comes to estimating their true insurance value.&nbsp; Many only realise the true value of their possessions when making an insurance claim and by then it’s too late.
For example, one lady had a valuable diamond ring stolen....      ]]>
    </description>
    <pubDate>2007-11-05 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Working Outdoors]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/working-outdoors]]></link>
    <description><![CDATA[
      When working outdoors, the Health and Safety Executive consider that the effects of the weather in this environment can potentially have a severe impact on the welfare of your employees if the risks have never been previously considered or managed properly. 
As an employer, you have legal obliga...      ]]>
    </description>
    <pubDate>2007-11-01 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Gas Safety for Landlords]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/gas-safety-for-landlords]]></link>
    <description><![CDATA[
      The Gas Safety (Installation and Use) Regulations 1998 (GS(IU)R 98) aim to prevent injury from carbon monoxide (CO) poisoning, fire and explosion. The Regulations place responsibilities on a wide range of people, including landlords.
For the purpose of these Regulations, a landlord is anyone who...      ]]>
    </description>
    <pubDate>2007-11-01 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Keep The Noise Down]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/keep-the-noise-down]]></link>
    <description><![CDATA[
      The Control of Noise at Work Regulations 2005 came into force for all industry sectors in Great Britain on 6 April 2006 (except for the music and entertainment sectors where they come into force on 6 April 2008).&nbsp; The 2005 Regulations revoke and replace the Noise at Work Regulations 1989 (ex...      ]]>
    </description>
    <pubDate>2007-10-29 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Unsecured Loads in Your Vehicle]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/unsecured-loads-in-your-vehicle]]></link>
    <description><![CDATA[
      What do carpenters have in common with carpet fitters? What links landscape gardeners and plasterers?&nbsp; Despite carrying out very different activities, these workers have at least one thing in common – they all need a vehicle, whether it is a car or a van, to earn their living.&nbsp; This s...      ]]>
    </description>
    <pubDate>2007-10-18 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Firework  Safety Information for Retailers]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/firework-safety-information-for-retailers]]></link>
    <description><![CDATA[
      If you sell or supply fireworks, there are a number of issues that you need to be aware of, including:


Know your duties under the legislation governing the sale and storage of fireworks.&nbsp; In addition to general responsibilities under health and safety at work and fire safety laws, the k...      ]]>
    </description>
    <pubDate>2007-10-16 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Chancel Repair Liability Insurance]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/chancel-repair-liability-insurance]]></link>
    <description><![CDATA[
      If you are the owner of former rectorial land in England or Wales, you may be liable under a little known piece of legislation called the Chancel Repairs Act 1932 to fund repairs to your local church.&nbsp;&nbsp;
The land does not need to be near a church to be affected.&nbsp; Further, propertie...      ]]>
    </description>
    <pubDate>2007-10-12 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Tiredness Can Kill - Take a Break]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/tiredness-can-kill-take-a-break]]></link>
    <description><![CDATA[
      For many people, driving is the most hazardous part of their work activity.&nbsp; According to the Royal Society for the Prevention of Accidents &nbsp;(RoSPA), driving more than 25,000 miles a year for work carries as much risk of dying as mining or quarrying.&nbsp; Their research shows that betw...      ]]>
    </description>
    <pubDate>2007-09-14 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Bring Stability to Your Insurance Budget]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/bring-stability-to-your-insurance-budget]]></link>
    <description><![CDATA[
      The economy is changing.&nbsp; Pressure is building on interest rates, consumers are struggling to manage record levels of debt and the Bank of England is taking steps to slow down the economy. From a business perspective, competition is arriving from powerful emerging markets such as China, crea...      ]]>
    </description>
    <pubDate>2007-09-14 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Preparing for a flood makes good business sense]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/preparing-for-a-flood-makes-good-business-sense]]></link>
    <description><![CDATA[
      In recent years, we have seen an increasing amount of flooding in England and Wales.&nbsp; This has focused&nbsp; the attention of many businesses on the&nbsp;importance of having better flood protection.
Floods are one of the most common and widespread of all disasters and are growing in freque...      ]]>
    </description>
    <pubDate>2007-07-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Fly Tipping]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/fly-tipping]]></link>
    <description><![CDATA[
      Fly tipping can best be defined as the “illegal deposit of any waste onto land” i.e. waste dumped or tipped on a site with no licence to accept such waste. Items that are dumped can range from normal household waste, larger domestic items, building waste to part or even whole cars!
The two m...      ]]>
    </description>
    <pubDate>2007-07-13 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[More Employees Given the Right to Request Flexible Working]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/more-employees-given-the-right-to-request-flexible-working]]></link>
    <description><![CDATA[
      The legislation giving employees with young and disabled children the right to request flexible working was first introduced in 2003 as a result of the Employment Act 2002.&nbsp; Under the provisions of The Work and Families Act 2006, this right has been extended from April 2007 to the carers of ...      ]]>
    </description>
    <pubDate>2007-06-11 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Enlarging Europe - how does this affect you?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/enlarging-europe-how-does-this-affect-you]]></link>
    <description><![CDATA[
      The growth of the European Union has seen a number of&nbsp;workers including plumbers, plasterers,&nbsp;tilers and&nbsp;builders, migrate&nbsp;from Europe to the UK, hoping to secure work in this country.&nbsp; Since EU borders opened&nbsp;in May to include another 10 countries, there have been e...      ]]>
    </description>
    <pubDate>2007-05-31 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Are you guilty of not having Employers Liability compulsory insurance?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/are-you-guilty-of-not-having-employers-liability-compulsory-insurance]]></link>
    <description><![CDATA[
      The&nbsp; proprietor of a&nbsp;motor vehicle repair workshop&nbsp;has been found&nbsp;guilty of not having Employers Liability Compulsory Insurance.&nbsp;He must now pay £500 plus prosecution costs of £10,000 and £1,000 in compensation.

The incident in question involved&nbsp;a&nbsp;student ...      ]]>
    </description>
    <pubDate>2007-05-25 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Email hints and tips]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/email-hints-and-tips]]></link>
    <description><![CDATA[
      Increasingly more businesses are using email to improve their communications.&nbsp; It can be a quick, convenient and effective way of contacting both customers and other members of your team, without the disruptive effect of a phone call.&nbsp;
However,&nbsp;if you use email or plan to introduc...      ]]>
    </description>
    <pubDate>2007-05-25 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Five Steps to Risk Assessment ]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/five-steps-to-risk-assessment-]]></link>
    <description><![CDATA[
      Accidents and ill health can ruin lives and affect your business. You are legally required to assess the risks in your workplace and this step by step guide can help you to carry out your assessment. 
A risk assessment is a careful examination of your workplace and work activities, identifying h...      ]]>
    </description>
    <pubDate>2007-05-23 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[A Fire in the Workplace]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/a-fire-in-the-workplace]]></link>
    <description><![CDATA[
      When did you last have your wiring systems inspected? Are you familiar with the Electricity at Work Regulations 1989?
The purpose of these Regulations is to ensure that precautions are taken to protect against the risk of death or personal injury from electricity in work activities.
Both&nbsp;e...      ]]>
    </description>
    <pubDate>2007-05-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Falls from heights]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/falls-from-heights]]></link>
    <description><![CDATA[
      Claims being made against employers have revealed that some businesses are still failing their staff when it comes to managing work at heights.
Some of the most serious consequences are caused by falls from a “low height” (activities that are carried out close to the ground).
Claims example...      ]]>
    </description>
    <pubDate>2007-05-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Motor Insurance - What Can Go Wrong]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/motor-insurance-what-can-go-wrong]]></link>
    <description><![CDATA[
      New vehicle replacement
An employee driving a company car was involved in a collision.&nbsp; As a result , the 5 month old&nbsp;Ford Focus&nbsp;he was driving&nbsp;was badly damaged.&nbsp; In view of the fact that the estimate for&nbsp;repairs exceeded 60% of&nbsp;&nbsp;the vehicle's list price,...      ]]>
    </description>
    <pubDate>2007-04-04 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Staff: your most valuable asset?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/staff-your-most-valuable-asset]]></link>
    <description><![CDATA[
      People
It may be a cliche but a business's most valuable assets really are its people. What if an accident caused serious injury, or even death, and key personnel were unable to contribute to your business's success?
Without your people, you may have no manufacturing, sales or admin support, no...      ]]>
    </description>
    <pubDate>2007-03-26 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Fleet Companies Beware!]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/fleet-companies-beware]]></link>
    <description><![CDATA[
      Over one third of accidents on UK roads involve someone who is working at the time, which&nbsp;every week translates to 20 deaths and 250 serious incidents. 
The Health &amp; Safety Executive clearly states that employers, managers or supervisors with staff have the same duty of care when they a...      ]]>
    </description>
    <pubDate>2007-03-26 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Working From Home - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/working-from-home-what-can-go-wrong]]></link>
    <description><![CDATA[
      Fire
Business contents&nbsp;were damaged&nbsp;following a fire in&nbsp;the home.&nbsp; As a result,&nbsp;the policyholder couldn't run his business from there.&nbsp; The business interruption cover&nbsp;provided under the business from home policy covered the additional expenses involved in movi...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Tradesmen - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/tradesmen-what-can-go-wrong]]></link>
    <description><![CDATA[
      In the course of his business, an electrician installed wiring incorrectly in the customer's premises. This resulted in a fire, which caused major damage to the premises. The customer claimed against the electrician for the damage. &nbsp;&nbsp;Whilst installing a new washing machine, a plumber ac...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Shops - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/shops-what-can-go-wrong]]></link>
    <description><![CDATA[
      Fire 
A shop fire resulted in the entire stock of foodstuffs being ruined by smoke damage.&nbsp; In addition, damage was caused by the firemen in their attempt to put out the fire.&nbsp; This damage was included as part of the fire claim under the shop's business insurance
&nbsp;
Damage
Satur...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Offices - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/offices-what-can-go-wrong]]></link>
    <description><![CDATA[
      Theft
An office was broken into and several computers were stolen, along with the keys to the premises.&nbsp; The cost of replacing the locks to the premises was included as part of the claim for the theft of the computers under the office's business insurance.&nbsp; The insurer also paid the co...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[My Home Insurance - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/my-home-insurance-what-can-go-wrong]]></link>
    <description><![CDATA[
      Candles look great - but be careful!
Fire claims account for a high proportion of claims under home insurance policies, with electrical faults and candles cited as common causes.&nbsp; On Christmas day, one unlucky family left their candles burning in the lounge, where the Christmas gifts were w...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Directors and Officers - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/directors-and-officers-what-can-go-wrong]]></link>
    <description><![CDATA[
      The director of a small manufacturing company named personally in an unfair dismissal claim by a former employee.&nbsp; The costs incurred in defending the director were in excess of&nbsp;£10,000.The director of a golf course design company faced an action under Environmental Legislation, allegi...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Property Insurance - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/property-insurance-what-can-go-wrong]]></link>
    <description><![CDATA[
      Underinsured?
A key issue&nbsp;is the importance of ensuring that the values you have given as your sums insured are adequate.&nbsp;If they are not, in the event of a claim, the 'average' condition applies - even if the under-insurance is unintentional. Under this condition, the amount paid by t...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Professional Indemnity - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/professional-indemnity-what-can-go-wrong]]></link>
    <description><![CDATA[
      Error.An advertising consultant added the wrong telephone number in an advertisement.&nbsp; This resulted in a reduction in sales, resultant income and the brand.&nbsp; The consultant's client claimed successfully for loss of income and damage to their brand.&nbsp;In the course of making a back u...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Residential Property Owners - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/residential-property-owners-what-can-go-wrong]]></link>
    <description><![CDATA[
      During a spell of&nbsp;cold weather, the water supply pipe in the loft space burst due to freezing.&nbsp; The resultant&nbsp;escape of water caused damage&nbsp;to ceilings and decorations.&nbsp;&nbsp;
&nbsp;
&nbsp;
&nbsp;
A meter reader fell and injured himself on a poorly lit staircase in th...      ]]>
    </description>
    <pubDate>2007-03-22 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Truck Cargo Crime]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/truck-cargo-crime]]></link>
    <description><![CDATA[
      Below is a list of 5 tricks of the trade taken from actual crime reports to UK and European police forces. 
If you&nbsp;are connected with the movement of freight in the UK and Europe, you should&nbsp;be on their guard.
1. The Insider Trader
Approximately 10% of cargo theft is in some way conn...      ]]>
    </description>
    <pubDate>2007-03-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Good Housekeeping ]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/good-housekeeping-]]></link>
    <description><![CDATA[
      Waste 
Waste is often left outside business premises where it is a potential&nbsp;target for vandals or arsonists.&nbsp;Outlined below are some simple&nbsp;measures that&nbsp;you can take to protect your business&nbsp;against&nbsp;these risks. 

Consider all kinds of waste disposed of by your ...      ]]>
    </description>
    <pubDate>2007-03-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Winter closedown]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/winter-closedown]]></link>
    <description><![CDATA[
      Many property damage claims occur during the Winter because of cold weather or winter storms. However, preparation and forward planning could prevent or minimise a lot of these claims. 
Heating
Adequate heating must be maintained in Winter to prevent pipes or water systems freezing. &nbsp;This ...      ]]>
    </description>
    <pubDate>2007-03-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Control of Vibration at Work Regulations 2005]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/did-you-know/control-of-vibration-at-work-regulations-2005]]></link>
    <description><![CDATA[
      On 6th July 2005 the Control of Vibration at Work Regulations 2005 (SI 1093) came into force which aims to control the exposure of employees to risks from vibrating work equipment, vehicles and machinery. The new Regulations impose duties on employers to protect employees who may be at risk from ...      ]]>
    </description>
    <pubDate>2007-03-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Regulatory Reform (Fire Safety) Order 2005]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/regulatory-reform-fire-safety-order-2005]]></link>
    <description><![CDATA[
      The Regulatory Reform (Fire Safety) Order 2005 came into force on 1 October 2006. It is&nbsp;aimed at bringing existing fire safety legislation into a single regulatory regime and will replace the fire safety requirements of over 70 different pieces of legislation, including the Fire Precautions ...      ]]>
    </description>
    <pubDate>2007-03-15 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Environmental Liability Directive]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/environmental-liability-directive]]></link>
    <description><![CDATA[
      The Environmental Liability Directive&nbsp;became&nbsp;law in 2004&nbsp;and must be implemented by all EU Member States in 2007.&nbsp; It affects all businesses that have the potential&nbsp;to cause damage to the environment.&nbsp;A key difference between&nbsp;the Directive and&nbsp;current UK en...      ]]>
    </description>
    <pubDate>2007-03-14 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Flooding and the impact on your business]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/news/useful-information/flooding-and-the-impact-on-your-business]]></link>
    <description><![CDATA[
      Many of Britain's businesses have witnessed the devastating effects of flooding and the need for adequate insurance cover and business continuity planning has never been more apparent.
Insurance can be arranged to cover both&nbsp;the physical damage to your property and your business's loss of i...      ]]>
    </description>
    <pubDate>2007-03-14 00:00:00</pubDate>
  </item>
  <item>
    <title><![CDATA[Liabilities - what can go wrong?]]></title>
    <link><![CDATA[http://cherry-picked-insurance.co.uk/case-studies/liabilities-what-can-go-wrong]]></link>
    <description><![CDATA[
      Employers LiabilityA brewery company employee climbed onto a conveyor belt to remove some jammed cans.&nbsp; He slipped and trapped his arm in the conveyor belt.&nbsp; The employer was held liable for his injuries because of inadequate training and lack of proper proceduresAn office worker sustai...      ]]>
    </description>
    <pubDate>2007-03-02 00:00:00</pubDate>
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