What's New
MacKay Corporate Insurance Brokers
38 Miller Road
Ayr
KA7 2AY
Ayrshire
Scotland
Tel: 01292 611028
Fax: 01292 611179
What's New?
Top Articles
MacKay Corporate join charity walk
Ladies walk on Little Cumbrae
On Sunday the 13th of September eight members of our staff joined the Ayrshire Hospice team and walked round Little Cumbrae for charity. Marion Kerr, the chief organiser and her colleagues all successful completed the walk and raised a sum of monies that will be donated to Ayrshire Hospice.
The team who took part, also had the luck of having a fantastically sunny Scottish Day to enjoy on the walk.
Picture to follow.
Published on: 16/09/2009
Corporate Manslaughter
New offence will make prosecutions much easier
At long last, the Corporate Manslaughter and Corporate Homicide Act came into effect on the 1st April 2008 and applies to the whole of the UK. Its prime aim is, when there is a fatality, to punish organisations for breaching health and safety requirements.
In the past it has been difficult to convict a company due to the need of proving a direct link between the corporate officers and the act leading to a death but an organisation will now be guilty of the offence if the way in which its activities are managed or organised cause a death and amounts to a gross breach of a duty of care to the victim. The act only applies to organisations and not to individuals but does extend to partnerships. Individual directors and officers can already be prosecuted for manslaughter under existing legislation so their position has not really changed.
The courts have the authority to impose unlimited fines on organisations upon conviction and force them to publicise the facts of the conviction and can set a remedial order. The new offence applies to duties including:-
• Those of an employer and occupier of premises and land
• Supplying goods and services
• Commercial activities
• Construction and maintenance works
• Using or keeping plant, vehicles etc
Fatal accidents will be investigated by the police with the help of relevant safety organisations.
So far as insurance cover is concerned, most policies have been extended automatically to cover the costs of defending a prosecution provided the policy covers the consequences of the fatality. For example, an employers liability policy covering fatality of employees, a public liability policy, the death of a third party on a site, a motor policy on a vehicle accident fatality and product liability policies on deaths caused by defective goods and services. Where a company’s officers deliberately take a course of action, knowing it was dangerous, to cut costs etc, then insurers may decline to deal with the claim. Insurers will not pay for any fines or cover any loss of reputation risks.
Most businesses should be even more vigilant in complying with all health an safety regulations and good practice and to be extra safe should also have legal expenses cover and protect its officers with a Directors and Officers insurance policy.
Published on: 15/09/2009
Alba Cup 3rd Round Draw
SFL Conference and Cup Draw
Ian Warnock (MD) for MacKay Corporate recently attended a lunch with the Scottish Football League to discuss their Insurance Programme,and provide an overview to the member clubs. This is part of MCIB remit as brokers to the SFL and member clubs.
Ian was then luck enough to then be asked to assit with the draw of the 3rd Round of the Alba Cup by the league.
Ian comments' whilst delighted to be asked to assit, I am disappointed that my own club Clyde were not in the hat' Maybe next year...
Published on: 20/08/2009
Chartered Status Achieved
MacKay Corporate Awarded Chartered Status
More to follow.
Published on: 28/04/2009
New member our team.
MacKay Corporate are delighted to announce the appointment of Gloria Lambert to join the board of directors. Gloria joined us in June 2008, and by mutual consent has agreed to become a director of the business effective from September 2008. Gloria was previously known to MacKay Corporate form her roles with various insurers. Refer to about us for more specific info.
Published on: 25/03/2009