Resource Centre

We understand the needs and challenges of local councils, so our resource centre features helpful advice and insight from our team. If there’s a feature you’d like us to include please email us at feedback@cameandcompany.co.uk with your suggestions.

Resource Centre

We understand the needs and challenges of local councils, so our resource centre features helpful advice and insight from our team. We’ll be regularly adding new articles – if there’s a feature you’d like us to include please email us at local.councils@cameandcompany.co.uk with your suggestions.

Cyber Security Glossary

This glossary explains some common words and phrases relating to cyber security, based on content originally published by the National Cyber Security Centre – click here for their latest list.

 

Antivirus
Software that is designed to detect, stop and remove viruses and other kinds of malicious software.

Biometric
Authentication using physical characteristics, such as fingerprint or iris scanning.

Botnet
A network of infected devices, connected to the Internet, used to commit co-ordinated cyber attacks without their owners’ knowledge.

Bring your own device (BYOD)
An organisation’s strategy or policy that allows employees to use their own personal devices for work purposes.

Cookie
A file which asks permission to be placed on your computer’s hard drive, and personalises your browsing experience by gathering and retaining information about your website browsing history.

Cloud
Where shared computer and storage resources are accessed as a service (usually online), instead of hosted locally on physical services.

Cyber attack
Malicious attempts to damage, disrupt or gain unauthorised access to computer systems, networks or devices, via cyber means.

Cyber Security
The protection of devices, services and networks and the information on them from theft or damage.

Denial of Service (DoS)
When legitimate users are denied access to computer services (or resources), usually by overloading the service with requests.

Digital footprint
A ‘footprint’ of digital information that a user’s online activity leaves behind.

Easter Egg
Hidden feature built into a computer program by the developer that is added for entertainment or malicious intent.

Encryption
A mathematical function that protects information by making it unreadable by everyone except those with the key to decode it.

End user device
Collective term to describe modern smart phones, laptops and tablets that connect to an organisation’s network.

Firewall
Hardware or software which uses a defined rule set to constrain network traffic to prevent unauthorised access to (or from) a network.

GDPR
General Data Protection Regulations designed to protect personal data (due to be introduced in the UK in May 2018).

Honey pot
A network security feature designed to detect hacking or lure them to a specific location to avoid obtaining genuine data.

Internet of things (IoT)
Refers to the ability of everyday objects (rather than computers and devices) to connect to the Internet. Examples include kettles, fridges and televisions.

Macro
A small program that can automate tasks in applications (such as Microsoft Office) which attackers can use to gain access to (or harm) a system.

Patching
Applying updates to firmware or software to improve security and/or enhance functionality.

Pharming
This is where internet users are directed to a fraudulent website that mimics the appearance of a legitimate one.

Phishing
Untargeted, mass emails sent to many people asking for sensitive information (such as bank details) or encouraging them to visit a fake website.

Ransomware
Malicious software that makes data or systems unusable until the victim makes a payment.

Software as a Service (SaaS)
Describes a business model where consumers access centrally-hosted software applications over the Internet.

Social engineering
Manipulating people into carrying out specific actions, or divulging information, that’s of use to an attacker.

Spear-phishing
A more targeted form of phishing, where the email is designed to look like it’s from a person the recipient knows and/or trusts.

Spyware
Software that installs itself secretly on a computer’s hard drive, and transmits information about a user’s activity.

Trojan
A type of malware or virus disguised as legitimate software, that is used to hack into the victim’s computer.

Two-factor authentication
The use of two different components to verify a user’s claimed identity. Also known as multi-factor authentication.

Vishing
Attempting to obtain personal or financial information from a telephone call, in order to commit fraud or identity theft.

Watering hole attack
Setting up a fake website (or compromising a real one) in order to exploit visiting users.

Whaling
Highly targeted phishing attacks (masquerading as legitimate emails) that are aimed at senior executives.

White-listing
Authorising approved applications for use within organisations in order to protect systems from potentially harmful applications.

Worm
Software that installs itself secretly on a computer’s hard drive, and transmits.

Zero-day
Recently discovered vulnerabilities (or bugs), not yet known to vendors or antivirus companies, that hackers can exploit.

419 scam
Often originating from an email this is an advance fee fraud, where you are asked to help transfer money out of another country. 419 is the section of the Nigerian legal code that relates to the crime.

 

For more information about how we can help you assess and manage the cyber risks your business is exposed to, please get in touch.

Events guide

For events to be insured under the Councils’ insurance policy; the Council, a working party or a sub-committee of the Council must be the sole organiser of the event.

We should be advised of any event with more than 1,000 attendees at any one time and the following is a guide to the information we would require:

  • A full list of activities and who is responsible for them. All Third Parties must have their own Public Liability insurance, for example: catering vans, fair rides, pony rides, bands and stalls that aren’t organised by the Council. All Permits and Licenses must be in place and, if required, the Police and Fire Brigade should be notified.
  • A Risk Assessment should be carried out and documented prior to the event. The location should be suitable for the event.
  • There should be sufficient Marshalls for the number of people attending. Please note the risk assessment of the event will determine the marshalling.
  • A qualified first aider should be in attendance and they must have means to call the Emergency Services.
  • Start and finish time of the event: If the event is for more than one day; how many days, start and finish times, security overnight.
  • Will there be any music? If yes, what type i.e. local band, type of music. If the band is semi-professional/ professional they will need their own Public Liability insurance in place.
  • Will there be any electrics? If yes, how will it be generated i.e. if it is a generator, what is the security on the generator; if it is a plug into mains, will there be circuit breakers in place, will the cables be covered with matting and is there a contingency plan for wet weather.
  • If you need property cover; we will need to know sum insured, security and storage arrangements.
  • Upon referral to Came & Company, stalls run for no financial gain by local people or groups who do not have their own Public Liability insurance in place may be covered under the policy. The Council must take responsibility for the risk assessment and Health & Safety of the stall. The Council should be aware that if a claim occurs then it would be defended under the Council’s policy and this may affect the terms and conditions at the next renewal.
  • If the Council is responsible for a BBQ, then it must be sited in a position where people cannot walk into it, fire- fighting equipment must be in place (sand/water) and the food must be kept chilled until it is cooked.
  • If the Council is organising a Tug-of-War they must ensure that all competitors are wearing suitable clothing and footwear and use the correct type of rope.

For more information, please speak to a member of our team.

Cyber Security Checklist

The following is our top 20 checklist of key cyber security issues you should consider to help limit the risk and impact of a data breach.

  1. Never process a payment or amend existing bank details/frequent payees based on an email request, always follow up an email with a telephone call before making any payments or changing any details.
  2. Hover over the email address or check the nick-name to ensure that the sender is who they claim to be.
  3. Never click on any unsolicited email links that contain attachments such as.zip or .exe files.
  4. Remember – banks and HMRC will never use an email or text message to ask for personal information.
  5. Never click on a link in a text message irrespective of who this has been sent from.
  6. Keep your software, your operating system and your browser fully up-to-date on all devices, especially Smart Phones. Companies continuously add security updates with every software upgrade they release (also called a patch). Installing these patches immediately will help keep you from becoming infected with new strains of malicious software (“malware”).
  7. Always use Multi-Factor Authentication (MFA) to log in to any website or application that you use for banking or investment activity, or that has access to your personal data. MFA is essentially another way—beyond your username and password—to help verify your identity and further safeguard your information.
  8. Run a reputable, anti-virus product on your home PC or laptop and keep this up to date. This will also help prevent your device from becoming infected with malware.
  9. When processing transactions and/or sending correspondence, avoid using public Wi-Fi hotspots – like the ones at coffee shops, airports, hotels, etc. If you do use a public Wi-Fi hotspot, be sure to use a Virtual Private Network (VPN) so that others can’t intercept your communications. As an alternative, stick to the mobile network and create a personal Wi-Fi hotspot with your phone.
  10. Never click on links or open attachments in unsolicited emails or text messages. Doing so may install malware on your device.
  11. Avoid using publicly available charging cords to charge your phone. Publicly available outlets and USB ports are generally fine, but avoid using publicly available cords. These can be used to deliver malware.
  12. Don’t reuse the same username and password across multiple websites and applications. If you reuse the same username and password and a hacker gains access to one of your accounts, he/she may be able to access your other accounts as well.
  13. Create and save bookmarks for the important banking and brokerage websites that you visit often to avoid inadvertently entering your credentials on a fraudulent site.
  14. Consider using a password manager. These apps create unique, complex passwords for you and then store those passwords in a cryptographically sound way.
  15. Only download applications from Google Play™ or the App Store® and never from a third-party app store. Third-party app stores, or apps that pop up and encourage you to download them, are much more likely to contain malware.
  16. Only give applications the permissions they really need. Granting an application access to your photos, location, camera, contacts, etc. makes your data and information available to the application owner.
  17. Limit how much information you share on social media, and lock down the privacy settings on your social media accounts. The information you share online could be exploited to gather information for fraud schemes.
  18. Shred financial documents before discarding them, as these contain valuable information that could be used by fraudsters. You may wish to leverage online statements and paperless options, like eSign, eDelivery, eAuthorizations and Digital Vault, as these include important security features.
  19. Verify that you are using a current and reliable email provider that has basic, built-in security features. Using an older email account that has not incorporated security protections will greatly increase your likelihood of getting malware.
  20. If in doubt – DELETE!

For more information around Cyber please speak to a member of our team

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Preventing burst pipes

Protecting buildings in winter

Should your building remain closed due to COVID-19 related issues, please notify a member of our team at your earliest opportunity, if you haven’t done so already.

Read our top tips to help protect your buildings from the risks of burst pipes in the winter months.

To help prevent burst pipes:

  • Insulate the pipes in any unheated areas such as outbuildings, sheds etc.
  • Thermostatically-controlled heating systems should be left on permanently and set at a minimum temperature of four degrees centigrade.
    In the event of the building not being used over the winter months, water supplies should be turned off and pipes drained.
    Repair any dripping taps – it is usually just a new washer that is needed.
  • If the heating system fails or makes a loud banging noise, this could indicate that a pipe is freezing. Turn off the system and call a plumber immediately.

If you experience a burst pipe:

  • Turn off the water supply at the main stop valve.
  • Contact an approved plumbing and heating engineer.
  • If your pipes freeze, never use a naked flame to thaw them out.

It can be very easy to forget about the pavilions, changing rooms and buildings that are not used during autumn and winter months. This can make them especially vulnerable to weather damage and vandalism. We recommend that these buildings are checked on a regular (weekly) basis.

For more information, please speak to a member of our team.

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Ice and snow - advice for local councils

Ice and snow

To minimise risk from ice and snow in the winter months, we recommend that councils should consider the following:

  • A written risk assessment should be carried out and kept on council files.
  • The council should take reasonable care to ensure the safety of the public, employees and volunteers.
  • All employees and volunteers should be made aware that the clearance of snow and ice could be a seven-days-a-week task (including bank holidays), receive adequate training, and wear the appropriate protective clothing.
  • We recommend that the council communicates its plans to the community. This can be via a website, newsletter, noticeboard or published minutes of a meeting. If plans change this should also be communicated effectively.
  • Once a clearance programme is implemented, it should be maintained for the whole period of adverse weather and plans to manage the process communicated.
  • Where a council takes on the responsibility for clearing snow or ice from paths, it should exercise reasonable care in doing so. Care should be taken in deciding
    where to move the snow – making sure entrances, side roads or drains are not blocked. Clear the middle of the path first so that there is a safe surface on which to walk.
  • After the snow and ice has been cleared do not use water as this may cause black ice. Use salt or grit on the treated areas.
  • Also, if the building is to be used over the winter months the council needs to ensure that ‘users’ can enter and leave the building safely which means that if they are not gritting the paths or car park the building should be closed for that period.

For more information, please speak to a member of our team.

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Flood wardens - local councils

Flood wardens and resilience plans

Flood Wardens

Traditionally, flood wardens have been called upon once a flood warning has been issued. If an evacuation is necessary their responsibility is to ensure a suitable place (e.g. village hall) is available for local residents.

The warden may assist members of the public to the place of safety and remain with them until it is safe for them to return to their homes/businesses. The Council’s Employers’ and Public Liability policy should provide cover for the flood warden scheme and any volunteers they call upon.

Any activity that involves deep or fast-moving water remains the responsibility of the emergency services and/or the resilience team. Concern may arise over flood wardens who could be out in adverse weather conditions monitoring waterways, which means they are walking in potentially wet, uneven or slippery areas.

The Council should ensure this potential hazard is assessed and included in their risk assessment and safety guidelines provided to the flood wardens.

 

Resilience

Due to the varied activities that can be undertaken in providing resilience, normally in extreme weather conditions or events such as power cuts or terrorism , if your Council has or is considering implementing a resilience plan please contact us to ensure your current policy will provide appropriate cover.

For more information, please speak to a member of our team.

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

A message from Came & Company

In accordance with the latest UK government guidelines, all Came & Company colleagues are now working from home until further notice.

Despite not being able to meet with you in person, we are very much open for business and you can reach all our teams by phone, email or social media as we continue our mission to deliver the best service possible for you and all of our clients.

Thank you for your understanding and support as we do our bit to help mitigate the risks associated with COVID-19 in these extraordinary times.

Take care and stay safe from all at Came & Company.

Unoccupied buildings: top tips

Leaving local council buildings unoccupied may result in increased risks, and can mean that unexpected incidents can potentially do more damage as they are not identified as quickly. We have put together some tips to help you minimise some potential issues.

  • Review your risk assessment of the property to identify and minimise potential risks.
  • Water damage can be an issue for unoccupied buildings so consider whether it’s appropriate to turn off the water supply at the mains or drain down systems.
  • Review your existing fire prevention plan to ensure that fire risk is minimised as much as possible.
  • Fire and burglar alarms should be activated and all internal doors should be closed.
  • Activate sprinklers and other fire suppression systems you may have in place.
  • Non-essential electrical equipment should be unplugged.
  • Unoccupied premises may be more at a risk of theft, criminal damage or arson so try and ensure premises are as secure as possible.
  • Remove IT equipment or other valuable assets from view if you can, and lock away machinery and tools.
  • Avoid leaving vehicles parked next to the property if possible.
  • Don’t leave any bins or other combustible materials against your property – they should be at least 10m from any building and 2m away from any boundary if possible.
  • Make sure gates are locked securely to prevent access and reduce the risk of potential fly tipping in the grounds.
  • If you are able to inspect the property on a regular basis, then include the perimeter fence and any out-buildings in the inspection.

For more information on how to minimise risks to unoccupied buildings please get in touch.

 

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Claims team on the phone

Our Claims service proposition

Came & Company Local Council Insurance Claims Technician’s, Josh and Jo, explain our Claims service proposition:

In the event of a claim, clients of Came & Company Local Council Insurance have access to our dedicated Claims Technicians who are on hand to guide you through the process and assist with any queries or concerns you may have.

Josh has been working within the insurance claims industry since 1998, with a wealth of experience specifically dealing with commercial insurance claims and the Community niche. Josh genuinely believes in the positive impact great assistance/handling can have on the outcome of each claim and in ensuring you receive the most from your insurer when you need it.

Working at Came & Company, and alongside our broking team, gives Josh the opportunity to do just that. Josh continually seeks to improve our service, maintaining and developing strong relationships with our insurers to get the best results. Having handled an extensive variety of claims from the smallest broken windows to major property fires, Josh enjoys the challenge of any new circumstance and will happily be on hand to assist whenever needed and whatever the circumstance!

Jo entered the Insurance industry in 1998 working for Global Broking groups before moving into Fraud investigation and later returning to the world of Broking Claims management. The Claims Technician role continues to be a job Jo enjoys, principally, helping our clients to submit their claims to insurers with every day representing a learning experience.
During her career Jo has gained a vast amount of experience across all types of claims, with a particular leaning toward strong negotiation skills to influence successful claims conclusions.

Our Commitment:

  • Upon notification of a claim, you’ll receive an acknowledgement from the handler assigned to your claim advising of their contact details and the next steps to progress your claim.
  • From here-on, your handler with liaise with you & your insurer to progress your claim, all the way through to settlement or completion.
  • We appreciate each claim is unique and varying circumstances arise, which at times can result in a very complex claim. Thanks to our continually developing relationship with insurers and wealth of experience, should any queries arise, your handler will be available to help resolve your concerns and if necessary, escalate matters with the insurers.

Claims – Insurers’ Expectations

  • For property damage, insurers will expect to be notified of the claim promptly, generally within 30 days. If you feel you may wish to claim for damaged property, please notify us as soon as you are aware of the matter – even if you are unsure whether you will ultimately be pursuing the claim. This enables us to notify your insurer immediately and avoid the risk of prejudicing your cover by late notification of the claim, which could prevent an otherwise legitimate claim being paid.
  • If emergency repairs are required, such as boarding a door to make the property secure or making water damaged electrics safe, insurers will not penalise you for proceeding with these essentials. However, before any further non-emergency work proceeds, they will expect to receive a quotation for the proposed work, for them to review & agree. In most cases a single, well itemised, quotation (i.e. splitting labour and materials) is sufficient, but for more significant works a second comparative quotation may be requested.
  • For liability or legal advice claims, insurers expect to be advised of the matter immediately or as soon as you are aware of the circumstances – whether it’s a formal claim that you receive or that you are made aware of an event/incident which may lead to a claim. Any matter that could reasonably lead to a claim against you should be notified. Due to the nature of liability claims, which can develop very quickly if not carefully managed with insurer’s guidance, additional costs can escalate – both in damages claimed and legal costs attached to the claim.

The requirement for immediate notification is designed to help you respond correctly and minimise the cost to you and insurers, by allowing them to guide you from day one and manage the situation. Should you fail to notify insurers of a legal or liability matter immediately, there is a danger that the insurer may decline cover for your claim. Action taken without their prior authorisation can prejudice their position, both in terms of costs and their ability to defend your liability.

 

Josh Britcher Dip CII, Claims Technician

DD: 01483 407481        M: 07523 920699

joshua.britcher@cameandcompany.co.uk

Joanna Anderson Cert CII, Claims Technician

DD: 01483 407483        M: 07523920696

joanna.anderson@cameandcompany.co.uk

A playground run by a local council

Risk management of play areas and open spaces

Councils need to consistently demonstrate that open spaces and play areas are safe for use. We strongly recommend weekly visual checks of such facilities are carried out and are recorded in writing as part of the Council’s records. The policy we arrange requires reasonable steps to be taken to prevent or protect against injury, illness, loss or damage arising. Provided such steps are in place and subject to all other policy terms and conditions being met the policy will respond should a claim arise and the Council/Organisation is found legally liable.

The insurers have not issued any specific guidance on managing the risk of COVID-19. Whilst a revised risk assessment should be undertaken to take into account COVID-19, for further advice or guidance we recommend that you contact the consultants who undertake the annual inspection of the play/outdoor gym equipment. Visit the Government portal or the Health and Safety Executive website.

We expect that playgrounds will be very heavily used, especially with the warm weather that we are currently experiencing and the eagerness of the public to start using them again, so it is vital that playgrounds are thoroughly inspected to ensure a satisfactory level of safety is in place. You also have a responsibility to remove any temporary barriers that may have been put up during lockdown which may also be hazardous. You may find the following article from the RPII a useful reference point for further guidance – please click here to read the article.

The inspection programme should be in line with your overall risk assessment.  If lockdown, or social distancing has in impact on the facility, the risk assessment should reflect and be updated accordingly.  All inspections should be written with a copy kept on your organisation’s files. Councils need to consistently demonstrate that open spaces and play areas are safe for use. We strongly recommend weekly visual checks of such facilities are carried out and are recorded in writing as part of the Council’s records.

Visual inspections are vital in order to consistently demonstrate that the site remains fit for purpose, with any fault and/or issue being reported to the clerk with immediacy.

The checks should be recorded in writing and kept on the Council’s records. Reasons for regular recorded inspections include:

  • To help protect members of your community from injury due to faulty play equipment or defective land
  • To assist insurers in defending an injury claim
  • To ensure equipment and areas remain fit for use
  • In addition if trees form part of the Council’s responsibilities we strongly recommend an arborist report is carried out by a suitably qualified person. Any action points arising from the report should be attended to within the recommended timescales. Regular, routine visual checks should also be undertaken, especially after incidences of extreme weather.

During 2019, we saw frequent claims reported for third party injury arising as a result of Council owned equipment/land that had fallen into disrepair or deteriorated over a prolonged period of time. Insurer’s took a consistent approach in these circumstances and accepted liability. This was based solely on the fact that no remedial or planned programme of maintenance could be evidenced. In the event of a claim being paid the Council may see their future premiums increase to reflect this.

For this reason, we recommend that Councils review their assets regularly to ensure that all deteriorating equipment/ land is recorded and a plan is in place to repair and/or manage the equipment/land effectively.

 

This note is not intended to give legal or financial advice, and, accordingly, it should not be relied upon for such. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. In preparing this note we have relied on information sourced from third parties and we make no claims as to the completeness or accuracy of the information contained herein. It reflects our understanding as at 30.06.2020, but you will recognise that matters concerning COVID-19 are fast changing across the world. You should not act upon information in this bulletin nor determine not to act, without first seeking specific legal and/or specialist advice. Our advice to our clients is as an insurance broker and is provided subject to specific terms and conditions, the terms of which take precedence over any representations in this document. No third party to whom this is passed can rely on it. We and our officers, employees or agents shall not be responsible for any loss whatsoever arising from the recipient’s reliance upon any information we provide herein and exclude liability for the content to fullest extent permitted by law. Should you require advice about your specific insurance arrangements or specific claim circumstances, please get in touch with your usual contact at Came & Company.

Tree management for local councils

Tree management

Increasingly, an area of concern for Councils is trees for which they are responsible. The following are all key areas to bear in mind when considering the risks within your council.

All contracts that ask the contractor to provide information or advice should require them to hold suitable Professional Indemnity (PI) insurance. If something goes wrong, the council’s insurer may ask for proof of the contractor’s PI and, if not in place, then the claim will sit solely on the Council’s insurance.

  • All tree inspections should be documented and kept on the council’s files.
  • The council should review the inspection reports carefully. All advice given by professionals should be implemented (whether the council agrees with it or not) and, if something is considered low risk, then this should be categorised as a maintenance issue and a plan put in place to ensure that is carried out. If the council is unsure of time periods then they should speak to the inspector, in this case the arborist.
  • If the report states a review date then this date must be adhered to.
  • A risk assessment should be in place for tree inspections. These should be carried out by an arborist, not a tree surgeon, unless they have the correct qualifications.
  • Interim annual inspections should be considered by a person who understands the trees in your area; this can be a tree warden, volunteer or professional person. The inspection should be noted in writing and any work carried out in a timely fashion.
  • Hazardous trees are classified as those trees near the public highway, playgrounds and any other open spaces where people may gather or walk – it is important that these areas are inspected annually at a minimum and following periods of adverse weather conditions.

The arborist website www.trees.org.uk provides information and advice regarding the management of trees and you can also ‘search’ for qualified and registered arborists and tree surgeons in your area.

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Local councillor doing online banking

Banking and payments

Our key priority is to process the payment of your insurance premium without delay to ensure your cover remains in force. We therefore strongly recommend that you pay by BACS payment rather than by cheque. BACS payments are a secure electronic method of payment, and are used for direct debits or direct credits.

Our bank details changed in November – please ensure you are making payments to the correct account. If you’re not sure whether you have the correct details, just give us a call.

Safer banking tips

  • Visit your bank’s website by entering the address directly in your browser – do not click on links in emails you receive in case they are phishing emails
  • Always use a strong password and PIN, and don’t use the same password you use for other websites
  • Remember your bank will never send you an email or call you asking for passwords or personal information. If you’re unsure if a call or email is genuine then contact your bank directly
  • Use a secure internet connection for online banking. You should never use public Wi-Fi
  • Ensure you have anti-virus software installed
  • Consider using your bank’s mobile app with multi-factor authentication or fingerprint recognition
  • Check statements or online banking regularly and report any unusual transactions to your bank
  • Be alert to potential scams
  • Use ATMs inside your bank wherever possible
  • If in doubt, trust your instincts – they’re probably right!

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Bonfires and fireworks events

Bonfires and fireworks events can be popular events but have the potential to cause damage and serious injury. If you wish to hold a bonfire event, you will need to ensure you follow safety guidelines, and minimise any potential risks to spectators and property. Here are some guidelines for managing risk at bonfires and fireworks events.

Please note that firework and bonfire events must be organised in accordance with COVID-19 secure guidance and Government advice applicable at the time of the event.

Fireworks

Where possible the display should be organised and operated by the manufacturer of the fireworks or a professional operator. When employing a contractor, you must obtain written confirmation that they have adequate Public and Employers’ Liability insurance. If is not possible to employ professionals, then a responsible adult from the organising committee should be given sole control of the storage and lighting of fireworks.

  • Only use fireworks which comply with BS EN 14035.
  • Wherever possible have at least one person with previous experience of organising firework displays.
  • The display area should be at least 50 metres x 50 metres and an additional dropping zone of 100 metres x 50 metres for spent fireworks.
  • Car parking areas should be sited well away from the display area and dropping zone. Keep vehicular entrances away from pedestrian access..
  • Fireworks should be stored in a metal container and removed one at a time with the lid replaced each time.

Fireworks which fail to ignite should not be returned to the metal container and no attempt should be made to relight them.

  • Fireworks should only be used in accordance with the manufacturer’s instructions.
  • Fire extinguishers, buckets of water and sand, should be available close by.
  • Crowds should be situated at a safe distance behind barriers and the wind direction taken into account when setting the display.

Bonfires

  • Keep the bonfire well away from any fireworks display.
  • The bonfire should be stable and checked to ensure that it will not fall to one side.
  • Use firelighters instead of flammable liquids
  • Bonfires should be kept to a manageable size and additional materials to be burnt kept at a safe distance away from the fire
  • The bonfire should be under the control of a responsible adult, and one person should be in charge of all safety arrangements.
  • Firefighting equipment should be quickly available
  • Qualified first aiders with suitable equipment should attend all organised bonfires and firework displays.
  • Water should be poured on the embers of the fire and the site should not be left until the bonfire is out and safe.

The Health & Safety Executive provides guidance on holding a fireworks event, which is a useful resource when planning an event.

 

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Local council building opens after lockdown

Health & Safety: Risk Assessment

As many local councils start to resume more activities, restrictions imposed to manage COVID-19 are likely to present new challenges.

Local councils will need to consider they ensure safe working conditions for their employees, and make sure they continue to remain compliant with existing legal obligations. These include the health, safety and welfare of their employees and others affected by their operations, under the Health and Safety at Work Act 1974.

Conducting a risk assessment

To help demonstrate your duty of care has been fulfilled, you must be able to evidence the actions taken to control the risks to health, safety and welfare, so you should ensure a risk assessment has been undertaken. A suitable and sufficient risk assessment may be key in the defence of an insurance claim for personal injury or illness or intervention by the Health and Safety Executive (HSE) or other regulatory authority.

Came & Company is part of the Gallagher Group. A Gallagher Risk Management Consultant can arrange a conference or video call with you to understand your organisation before conducting an independent, professional review of your COVID-19 Risk Assessment.

Where the document is considered suitable and sufficient it will be validated by the health and safety consultant. In the event that the COVID-19 risk assessment is not considered suitable or sufficient, the consultant will provide a brief, high-level summary of the areas requiring improvement. Having a validated and successfully implemented COVID-19 risk assessment can enhance your mitigation and defensibility should a COVID-19 incident occur at your workplace.

Click here to find out more. 

 

 

This note is not intended to give legal or financial advice, and, accordingly, it should not be relied upon for such. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. In preparing this note we have relied on information sourced from third parties and we make no claims as to the completeness or accuracy of the information contained herein. It reflects our understanding as at 16/06/2020 but you will recognise that matters concerning COVID-19 are fast changing across the world. You should not act upon information in this bulletin nor determine not to act, without first seeking specific legal and/or specialist advice. Our advice to our clients is as an insurance broker and is provided subject to specific terms and conditions, the terms of which take precedence over any representations in this document. No third party to whom this is passed can rely on it. We and our officers, employees or agents shall not be responsible for any loss whatsoever arising from the recipient’s reliance upon any information we provide herein and exclude liability for the content to fullest extent permitted by law. Should you require advice about your specific insurance arrangements or specific claim circumstances, please get in touch with your usual contact at Came & Company.

Autumn and Winter events

We have produced a general guide to events, which is also available in our resource centre. Here are the key considerations for events held in the autumn and winter.

Please note that all council events must be organised in accordance with COVID-19 secure guidance and Government advice applicable at the time of the event.

Bonfires and Fireworks

Do not forget to inform your Came & Company team, at least 14 days prior to the event, attaching the current risk assessment. If you are using a contractor to deliver the firework display please obtain proof of their Public Liability insurance. Read our fireworks and bonfire guidance for further advice on holding an event.

Remembrance Parades

If you are responsible for the organisation of a parade, please email the Came & Company team with confirmation of the date, with the event risk assessment and programme of activities (including road closures or traffic management).

Christmas Lights

All electric work should be undertaken by a qualified contractor with their own Public Liability insurance. Christmas trees should be erected by a competent person. Regular checks of the lights and trees should be undertaken, especially, following high winds or heavy rain. As always, a risk assessment should be in place.

Carol Services

If taking place outdoors please ensure the land is safe for use with adequate lighting and is accessible for all parties who are attending. If alcohol is available please ensure this is consumed responsibly.

 

 

 

The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information

Alternatives to traditional flood cover

Most people acknowledge that the climate is changing and that there has been an increase in incidents of extreme weather over recent years. Whilst the reasons behind this are complex and arguably open to debate, we are faced with an evolving climate which is having an impact on society.

Insurance is based on the principle of sharing risk, but when the risk of loss rises significantly to become almost a certainty, then this may no longer be something the insurance market can provide. We are seeing this to a certain extent in the case of flooding.

The Government and the insurance sector have addressed this through the creation of Flood Re. The principle behind this scheme is for a levy to be applied to every household insurance policy sold in the UK. This creates a fund from which claims are paid for policyholders who may not be able to obtain cover from the traditional insurance market.

Flood Re does not offer commercial entities protection, so many councils may be unable to buy cover, have significant premiums or an unmanageable excess. Organisations in this challenging situation can now look to two innovative solutions which may offer them some form of protection.

 

FloodFlash

FloodFlash is not a traditional insurance solution but a parametric solution predicated on certain parameters for a pre-agreed payment to be made.  Parametric weather related solutions have been used for many years, but FloodFlash takes an innovative approach through the use of mobile connected sensor technology. This is attached to buildings to measure the depth of water during a flood incident.

When the sensor detects water levels above a pre-agreed level then a payment is made. This can be used however the policyholder sees fit, and policies can be customised for property portfolios or single buildings, which allows smaller organisations to benefit.

 

Flood Excess Insurance

This is a traditional insurance solution which provides excess drop down cover to fill the gap left by an imposed flood excess of up to £100,000, making it a suitable solution for parish councils and community organisations who may not have the resources to deal with large uninsured losses. Whilst the concept may not be new, it is innovative due to the online platform, where you can access quotations and coverage.

Both solutions bring a degree of innovation providing options for those impacted by our changing climate.  If you would to hear more about these or other weather related solutions we can provide please contact your Came & Company representative.

 

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

In recent years, storms and flooding have caused major problems across the UK. Storm Darcy is a reminder of the uncertain weather patterns that we can expect this time of year. We understand that damage to your assets from flooding is a critical risk and we have therefore put together some practical advice to help you:

  • understand how to assess the risk of flooding to your council;
  • take some practical steps to reduce that risk where possible; and
  • learn how to manage a flood should it occur.

Step 1 – assess your level of flood risk

All councils, no matter the kind of premises they occupy or the perceived risk of flooding, should conduct a flood risk assessment to find out the true risk. A thorough flood risk assessment should examine:

  • Whether the site or surrounding area features on the Environment Agency (www.environment-agency.gov.uk) or Scottish Environment Protection Agency (sepa.org.uk) flood maps, or if you are in Northern Ireland, areas classified by the Rivers Agency (www.dardni.gov.uk/riversagency).
  • What assets are at particular risk of flooding, such as goods that are held below ground level.
  • Your proximity to water sources
  • Any history of flooding at the site or its surrounding area
  • Whether the property is located in a low-lying area
  • The adequacy of surface water drainage

 

Step 2 – pay close attention to flood warnings

If located in an area prone to flooding, it is prudent to monitor the media for flood warnings in your area.

  • The Environmental Agency and the Scottish Environment Protection Agency both provide a 24 hour Floodline – 0845 988 1188.
  • Floodline Warnings Direct is a free service that provides flood warnings by phone, text or email – register at https://fwd.environment-agency.gov.uk/app/olr/register.

Step 3 – prepare a flood plan

 

If your flood risk assessment identifies that your council could be at risk of flooding, you should draw up a flood plan. This may include:

  • Details of the locations of key property, protective materials and service shut-off points.
  • Key contact details for places or individuals associated with the flood protective measures.
  • An evacuation plan for your people with procedures and checklists readily accessible to all.
  • Details of any specific high value or critical assets that would need to be relocated to temporary premises as a priority (note: you must be sure to advise your insurer or broker of such assets).
  • Means to protect your council and expedite its recovery.
  • Details of your insurance policy and provider, including any Loss Recovery insurance you may have.
  • A proactive approach of keeping high value or critical assets above floor level, or ideally in an area not at risk of flood.
  • A security measure of keeping sandbags on site and, if floods are predicted, wherever possible securing your premises using the sand to delay encroaching flooding.
  • Lift stock and equipment off the floor, in particular, anything that has an electrical supply and ensure that any electrical equipment is disconnected when flooding is anticipated.
  • Where possible, utilise your team to minimise the impact of these potentially devastating events.

Step 4 – if you are flooded

This is the time to enact your Continuity Plan if you have one. If you don’t have one, the following guidance may be helpful:

  • Contact your council members to ensure that the safety of all your people is secured, whether that be in the council or in nearby properties.
  • Plan a provisional place to meet and arrange the recovery plan.
  • Allocate responsibilities amongst senior individuals and the wider team.
  • Contact your Came & Company representative to notify us that you will need to make a claim.
  • Finally, salvage your property and assets in a safe and careful manner, see below for potential risk areas:

Please note:

  • Flood waters are liable to have been contaminated with sewage, and may also have damaged electrics in the building – do not switch on any lights/devices before an independent assessment of safety has been made.
  • In extreme cases, the structural integrity of the building could also be compromised.
  • Whilst you and your team may be keen to assist with any clean-up, ensure that where possible only specially engaged professionals are tasked with the removal of debris and clean up. It is also advisable to contact a pest control company, in case of vermin infestation.
  • Ensure that everyone is provided with, and wears, appropriate protective clothing if they need to enter the premises. Sandbags and any debris affected by flood water should be treated as contaminated.
  • When you access your property, ensure that you/the property owner turn off the gas and electricity at the mains. Do not use any electrical appliances near water.

Step 5– Continuity Planning

If you still think that your council is underprepared for a situation like this and think you need more measures in place to help ensure the impact of flood events is minimised, then do get in contact with us to book a consultation with one of our risk management team members who can work with you to build a comprehensive continuity plan for your council.

 

 

 

 

 

The sole purpose of this email is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited trading as Came & Company Local Council Insurance  accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.

As organisations prepare to return to work and employees move away from working remotely or not working at all, they need to fulfil their legal duties to protect the physical and mental health, safety and welfare of employees and customers. This guide will help you prepare your organisation for coming out of lockdown.

Summary of advice

Employers need to determine what steps are required to create a safe working environment, taking all reasonably practical measures. Regulators recommend a risk assessment approach when considering the potential hazards and required controls. In addition to fulfilling legal obligations, this will allow organisations to record the basis of their decisions to assist with any future personal injury actions taken by employees or third parties.

If organisations have sought advice from various Government bodies, including Public Health England, HSE, their local authorities or the relevant trade bodies and are still unable to provide a safe working environment, then the employer should consider that it may need to continue to work remotely / remain closed and not allow people back into the workplace, until it is safe to do so.

Employers that can introduce suitable and sufficient controls to allow employees and customers back into the workplace need to ensure that these controls are being used continuously and remain in place for them to be effective. As advice to organisations is changing rapidly, controls must be reviewed regularly to ensure they remain current.

Organisations should also remember employees have continuing legal responsibilities to their employer and each other to follow instructions regarding safe working practices. Everyone should approach the health, safety and wellbeing of each other in the workplace with compassion and understanding. Organisations should have regular and continuing engagement with their employees and/or their recognised representatives (trade union or otherwise), including their health and safety committee, where this exists, and about COVID-19 and any associated arrangements in the workplace. These engagements will provide opportunities to remind everyone about safe working practices, necessary precautions and to raise and share concerns.

To ensure arrangements are suitable and sufficient to discharge the organisation’s duty of care, external validation is helpful. This can also help directors and officers demonstrate they took the requisite practical steps necessary to fulfil their personal duties. Came & Company offers external validation services and can review current and proposed measures. Please contact your usual Came & Company representative.

Questions to consider about returning to workplaces

Do you need to return to the workplace?

  • Consider how remote working arrangements are going and whether, in the current climate, you need your employees to return to work.

Who do you need to return to the workplace?

  • Consider who you need to return to work – if people are working effectively remotely and can carry out all of their functions, it is safer to allow them to continue to do so.
  • You could consider rotating those employees whom you are going to require to return to the normal working environment with people working one week in, one week at home or any other variations that may be safe for you to implement.
  • Consider how employees travel to work and assess whether it is more appropriate for those that don’t use public transport to be prioritised.
  • Consider whether you have any employees who are currently required to shelter or who may be particularly vulnerable to infection due to any of the risk factors that have emerged about Covid-19.

Preparing the workplace for re-opening

What actions do you need to consider to prepare the workplace for re-opening?

  • Is there a need to clean / deep clean prior to re-occupation?
  • What needs to be re-organised e.g. workstations, welfare areas?
  • Is all your engineering equipment, lifting equipment, water and pressure systems including HVAC maintained and inspected in line with usual regulatory requirements
    and ready for use?
  • What additional signage might be needed, such as reminders to wash hands, socially distance, not use certain areas or undertake certain tasks?
  • Do you need to undertake any tasks or re-implement normal testing / monitoring regimes, such as flushing water systems, testing fire safety measures, prior to re-opening?

Have you sourced any specific cleaning materials and do you have sufficient stocks available for use?

  • Consider personal hygiene requirements.
  • Consider additional cleaning requirements.

Have you sourced any PPE that your risk assessment says you will need to provide and do you have sufficient stocks ready in place for use?

  • Consider general use PPE.
  • Consider task specific PPE.
  • Consider provision of suitable training so that PPE is worn correctly and effectively (e.g. face-fit training for those required to wear respiratory protection including reminders of the need to be clean shaven to ensure an effective face fit). This is particularly important where this has not been provided to your employees before.
  • Consider how you are going to be able to restock PPE as it is used.
  • Consider whether you have provided safe disposal of used PPE.
  • Consider what cleaning equipment and materials may be required if reusable PPE is provided.
  • Consider what provision needs to be made for storage of PPE.

Have you put in place suitable arrangements for the workplace?

  • Consider whether you might need to identify and provide a self-isolation facility at the workplace to manage those employees and other visitors who start to have symptoms of COVID-19 while they are waiting to be collected from the workplace, while arranging transport home or in extreme cases arranging transport to hospital.
  • Minimise employee density within the workplace in order to allow social distancing and reduce potential for transmission.
  • Any changes in fire safety arrangements, for example, fire evacuation procedures and ensuring there are sufficient competent people to ensure an effective fire evacuation if needed.
  • Any changes in first aid arrangements including ensuring sufficient first aid cover.
  • Any specific PPE required for first aiders who may be expected to deal with anyone who falls ill at work with suspected COVID-19.
  • Consider any additional cleaning requirements for work wear including reusable PPE.
  • Identify and implement any additional measures for waste disposal relating to cleaning materials and PPE.
  • Restrict / prevent travel in line with current guidelines.

Are there any restrictions you need to put in place with regards to welfare?

  • Use of toilets.
  • Use of canteens / kitchens / communal areas.
  • Use of lifts / communal access areas / routes.
  • Clocking-in procedures.

What do you need to provide to assist with social distancing?

  • Markings / guides to help remind people of two metres.
  • Any screens / protection for people having to deal with potential visitors.

Have you provided arrangements for visitors / third parties if you are going to allow them onto site?

  • Welfare / hygiene for contractors / delivery persons.
  • Clear instructions to persons coming into / onto your premises.
  • Reviewed and where necessary, amended any information provided as part of signing in / site induction for these groups.

Have you communicated with the landlord / controllers of multi-occupancy buildings to understand any particular rules / restrictions they may have in place?
Have you clearly communicated with employees to ensure that they understand:

  • Arrangements that are in place that they need to comply with to protect them.
  • Advice on getting to and from work.
  • Arrangements for welfare including food and drinks
  • Cleaning arrangements to provide reassurance to them.
  • Ongoing arrangements for meetings.
  • What to do if they feel unwell and suspect they may have COVID-19? Both if this occurs at home and at while at work.
  • Ensure that they have a clear understanding of the criteria for returning to work i.e. timescales and lack of symptoms.
  • What to do if someone in their household is suspected of having COVID-19.
  • The importance of checking and maintaining their emergency contact details.

Have you clearly communicated with management / supervision to ensure they understand:

  • What to do if an employee feels unwell.
  • What to advise employees to do if someone in their household is suspected of having COVID-19.
  • Ensure that they have a clear understanding of the criteria for their employees returning to work i.e. timescales and lack of symptoms.
  • Any ongoing actions required of them.

Have you planned for regular review of your arrangements to ensure they remain in-line with official guidance and that these measures are sufficient and effective?

  • Official guidance is changing rapidly so it is important that there is a planned review of your arrangements so you can ensure that you are working to current requirements and good practice at all times.

Are provisions in place for the ongoing mental health and wellbeing of both those returning to the workplace and those continuing to work remotely?

  • Have you assessed the willingness of staff to return and the impact they might have?
  • Have line managers been advised to be alert to mood or behavioural changes in employees and talk to them compassionately about problems?
  • Have you publicised assistance and support programmes?
  • Have you signposted any internal or external material to raise line management and employee awareness?

What we can do to assist

In addition to our usual range of risk management advice and solutions, COVID-19 specific services include:

  • Validation of the defensibility of your existing risk assessments and protocols to give comfort to management, shareholders and stakeholders alike.
  • Assistance with preparing your organisation for the return to work, supporting the risk assessment and COVID-19 protocols and their maintenance and review
  • Review the fire risk assessment and controls.
  • Assistance with the facilitation of:
    – Water treatment and return to work suitability.
    – Deep clean of the premises.
    – Employee COVID-19 testing regime.
    – Employee Assistance Programmes (EAP) including occupational health testing and support.
    – Security and guardianship of mothballed sites.
  • Training of staff on new RIDDOR requirements for COVID-19, completion of RIDDOR reports and undertaking a thorough Accident Investigation to help with defensibility.
  • Accredited e-learning training to update existing health & safety (such as manual handling, CoSHH etc.), and support the return to work and your employees’ wellbeing (mental health awareness, stress management and absence management).
  • Assistance with the development and implementation of a risk register, to track high level risks to the organisation.
  • Review of business continuity plans for current and future risks that could jeopardise the organisation whilst in recovery.
  • Demonstration of the ongoing suitability of your emergency planning and its implementation.

 

Find out more
For more information about how we can help you with your insurance requirements, for a no-obligation quotation, or to find out more about the services we offer, please get in touch:

Telephone – 01483 462860

email – local.councils@cameandcompany.co.uk

Twitter – @CameandCo

 

This note is not intended to give legal or financial advice, and, accordingly, it should not be relied upon for such. It should not be regarded as a comprehensive statement of the law and or market practice in this area. In preparing this note we have relied on information sourced from third parties and we make no claims as to the completeness or accuracy of the information contained herein. It reflects our understanding as at 11 May 2020, but you will recognise that matters concerning COVID-19 are fast changing across the world. You should not act upon information in this note nor determine not to act, without first seeking specific legal and/or specialist advice. Our advice to our clients is as an insurance broker and is provided subject to specific terms and conditions, the terms of which take precedence over any representations in this document. No third party to whom this is passed can rely on it. We and our officers, employees or agents shall not be responsible for any loss whatsoever arising from the recipient’s reliance upon any information we provide herein and exclude liability for the content to fullest extent permitted by law. Should you require advice about your specific insurance arrangements or specific claim circumstances, please get in touch with your usual contact at Came & Company.
Came & Company Local Council Insurance is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP887-2020a Exp: 14.07.2021

Gallagher

This year we asked you to help us find out more about our valued clients through a client survey. Overall the feedback was very positive, so thank you for expressing your satisfaction with Came & Company.

Around 20% of all clients responded to the survey so we got some great insights, the key takeaways are listed below:

  • Over 90% of respondents said that they would have no issue with Came & Company rebranding to Gallagher Local Council Insurance, as long as there was no impact to service.
  • Over 30% of respondents were not aware that we can broker more than just your main Council or Not for Profit policy.
  • Only 6% of respondents have a policy with Came & Company which wasn’t a Council or Not for Profit policy.
  • Over 90% of respondents preferred email as a method of contact.
  • Over 95% of respondents said they would recommend Came & Company Local Council Insurance to colleagues in the sector.

We have listened to your feedback and will continue to align ourselves with what our clients want and expect from us.

If you have anyone you think could be appropriate for a referral to Came & Company, or if you’d like to discuss how we could help you with other insurance policies, then do contact your usual representative or reach out to us here:

Telephone – 01483 462860

email – local.councils@cameandcompany.co.uk

Twitter – @CameandCo

 

Came & Company Local Council Insurance is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP887-2020a Exp: 14.07.2021

If your council or organisation is considering a clean-up, we would ask you to consider the following:

• Once the date of the clean-up has been decided, a risk assessment should be carried out and a written copy of it kept on council files.
• Clear instructions should be given regarding what is being cleaned, where the work is being carried out and which individual is responsible.
• Ensure that there are sufficient gloves, litter pickers, bags, hi-vis jackets (if working near roads) available and ensure that all volunteers are wearing suitable clothing.
• A qualified first aider should always be present.

• If mobile phones are being relied upon for communication, please make sure that good reception is available in the area.
• Ensure that everyone is aware of where the rubbish should be left, and that it is disposed of as quickly
as possible.
• If you are lighting a bonfire, you should follow local authority guidelines.
• A list of who volunteered on the day should be kept on council files.

Please note all events must be organised in accordance with COVID-19 secure guidance and Government advice applicable at the time of the event. For further information please refer to the Government website www.gov.uk.

Find out more
For more information about how we can help you with your insurance requirements, for a no-obligation quotation, or to find out more about the services we offer, please get in touch:

Telephone – 01483 462860

email – local.councils@cameandcompany.co.uk

Twitter – @CameandCo

 

Came & Company Local Council Insurance is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP277-2021 Exp. 02.03.2022.

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01483 462860

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

01483 462860

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

01483 462860

local.councils@cameandcompany.co.uk

Blenheim House, 1-2 Bridge Street
Guildford, Surrey GU1 4RY

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