The Law Pertaining to Personal Injuries in the Workplace

Employees who are unfortunate enough to be involved in an accident at work may find themselves in a difficult position. Many will need or want to make a personal injury compensation claim against their employer. Before doing so, they should understand how the law applies to their situation.

If you are an employee who has been involved in an accident at work it is crucial that you are aware of your legal rights, just as crucial in fact as it is for an employer or business owner to be aware of company law, personal injury law and health and safety. If you feel that your accident was caused by the negligence of your employer, a colleague or visitor to your place of work, then you may be able to claim personal injury compensation to cover your losses.

Why you may need compensation

If you are injured at work you can suffer more than just physical symptoms. Not only might you require treatment for what could be quite serious and long-term injuries, but you may have to pay for specialist treatment. You may experience loss of earnings if you have to take time off work, making a personal injury compensation claim very important. You may suffer stress because of what you have been through, prompting you to seek counselling if your life has changed. You may even need to make adjustments to your home or vehicle.

How to make a claim

If your injuries are serious and you are sure that you are entitled to some form of personal injury compensation (you can be confident of your entitlement if the accident was somebody else’s fault or due to faulty equipment or hazards at work), you need to be prepared. It is a good idea to keep a record of what happened to you, from details of the actual accident, including photos, to medical reports. You may also want to take down any statements from trusted colleagues who may be prepared to act as witnesses.

Seeking legal advice

Just as your employer would consult a solicitor for business advice, you will need a solicitor to represent you and take your claim forward. Once you have found a solicitor who you feel you have a rapport with, then you can start to put together everything they need for you to go ahead with your claim. It is very important that you seek expert legal advice so that you have somebody with the experience to ensure you make a successful claim and who will represent you in a professional manner. A trusted colleague or human resources employee should accompany you to any meetings with your employer, though solicitors can offer advice on what to say and do.

Unfortunately, accidents do happen at work. If you are unlucky enough to be involved in an accident at work and need to claim for personal injury compensation, then it is important that you seek expert advice. You should also retain any details, important documents and medical reports relating to your injury that may form part of your claim.


Tom Brown is an experienced writer who contributes regularly to websites and blogs. Tom is particularly interested in legal affairs and uses many sources for her research, including PHC Law.


What Are the Different Types of Factoring?

What Are the Different Types of Factoring?

Start-up recruitment firms may find it difficult to obtain customary loans, mostly because they lack stability. Customers can take up to 90 days, sometimes even more, to settle their payments. Because of this, businesses are sometimes unable to pay their employees on time. Factoring is a great way to fill this gap as it provides instant cash to recruitment firms.

diff What Are the Different Types of Factoring?

There are numerous types of factoring. A few of the main types of factoring are discussed below:

  • Recourse and Non-Recourse Factoring

With recourse factoring, the factoring firm turns to the business if the customer does not pay on time. Thus, the risk of bad invoices remains with the businesses itself, and the factoring firm does not undertake any risk. The factoring firms do offer the service of receivable collections, but they do not cover the risk of the customer not paying the debt on time. The recruitment factoring firm often recovers the funds from the businesses in such circumstances.

With non-recourse factoring, the factoring firm undertakes the risk of non-payment by  customers. Thus, the factoring firm is not eligible to ask for payments from the business on this basis. The commission fee charged for non-recourse factoring is more than it is for recourse factoring. Since the factoring firm assumes the risk of non-payment by the customers, this additional fee is charged.

  • Domestic and Export Factoring

There are three parties involved in domestic factoring: the business, the factoring firm, and the customer. However, with export factoring four parties are involved: the business, the factoring firm, the customer, and the factoring firm abroad.

With domestic factoring, all parties are available in the same country and the factoring firm mediates between the business and the customer. With export factoring, two factoring firms are involved, so it is also sometimes referred to as a two-factor system.

  •  Disclosed and Undisclosed Factoring

With disclosed factoring (also known as factoring with notification), the business notifies the customers about the name of the factoring firm on the invoice and informs the customers to make their payments to the factoring firm itself.

With disclosed factoring (also known as factoring without notification), the business does not notify the customer about the factoring firm, so the name of the factoring firm is not revealed on the invoice. Moreover, under undisclosed factoring the factoring firm retains control and provides short-term cash against invoices, but the transactions take place in the name of the business.

  •  Full and Limited Factoring

With full factoring (also known as old line factoring, or conventional factoring), the factoring firm offers all services, including credit control, collection, sales ledger, and credit insurance, to the business. The factoring firm can also offer additional services in accordance with the requirements of the business, like maintaining accounts and bill collection. Usually, factoring firms provide full factoring with recourse for good businesses. With limited factoring, the factoring firm selects a restricted number of invoices to deal with.

Nowadays, many businesses are using factoring to improve their cash flow and to prevent any hindrances caused by late-paying customers.


Kick start your business with different types of cards

Businesses often use marketing gimmicks to promote and encourage reuse of their products and services by clients. In a world where customer is king and they can and do, vote with their feet, business owners need to find ways to encourage repeat custom and entice new customers.

card Kick start your business with different types of cardsLoyalty and membership cards

Loyalty or membership cards are not just the preserve of big business. Using plastic cards as loyalty cards is big business and small business owners can benefit from them just as much as their larger counterparts. These cards can be printed to your own bespoke design and come with a terminal to allow you to add points to a customer’s card. You can also invest in some software which will allow you to analyse customer data and act on the information you can glean from it.

Research has shown that a large proportion of a company’s sales come from a small proportion of repeat business and it actually costs more to secure new custom than it does to retain repeat business. It is a good idea to capture your customer’s details through a loyalty or membership card from their very first transaction with you. Loyalty cards are popular with consumers if they provide meaningful rewards and the ability to tailor a customer’s rewards based on their purchase history is invaluable. You get repeat business and the customer gets discounts or offers that they can actually use and benefit from.

Advantages of a loyalty card

People like to get bargains, discounts or the occasional thing for free. It makes a customer feel valued and the personal touch these cards can offer on a customer by customer basis is invaluable. If a customer knows that by shopping with you they can accrue points or other rewards, then they are much more likely to make sure they go to instead of a rival offering the same items or services. The ability to earn rewards is enough to bring them to you. Placing an expiration date on ‘cashing’ in those rewards can help that customer shop sooner too.

You can track trends in customer spending and members of your loyalty scheme are more likely to leave feedback or fill in customer surveys. You could also set up a system where those who spend more benefit more, with VIP rewards. Send your members regular emails or newsletters and as well as providing information on products and special offers, include useful articles pertaining to your business and the products or services you sell. Contests are also a good way to get people to participate in surveys, or write reviews for your website.

The plastic cards are advertising in themselves as they will carry your business name and logo. They can come in different shapes, although credit card shape is perfect for most wallets or be made into a handy key ring too. This way, more people might catch a glimpse of the card, free advertising! They can be printed on both sides with vibrant colours and you can emboss the member’s name too. The tough plastic means they are extremely durable as well.


Karen Cross writes regularly on small to medium business marketing for a range of business and marketing websites and blogs, including suppliers of custom printed plastic cards.


Consider Using A Shredding Service For Handling Sensitive Information

Corporations today have to keep track of countless assets, both physical and electronic. It is not just the expensive workstation computer or copier that needs protecting these days. Data has become a new liability for many in both print and digital form. From the names, addresses and financial data of clients or employees to confidential documents that shouldn’t be seen by a competitor, firms across industries accumulate a virtual treasure trove of information.

Consider Using A Shredding Service For Handling Sensitive Information 225x300 Consider Using A Shredding Service For Handling Sensitive Information

Some businesses adopt a haphazard approach to protecting important data, shredding files inconsistently and often neglecting or underestimating the security needed for their digital assets. This approach is certainly cheaper in the short run but can be downright disastrous for the long term. Identity thieves are resourceful and able to exploit any gap that appears in a corporation’s data security policies. The one or two months a company neglects to shred their invoices may be the months that an identity thief rifles through the dumpster. This is why enlisting the aid of shredding services can make or break a firm’s control over their information.

Shredding services can help a corporation regularly and thoroughly destroy their data. A given shredding service will have many options for the collection and shredding of documents, so a firm can tailor the destruction of their data to their needs or schedule. Thanks to mobile shredders, which are trucks that can come to a location and shred documents on-site, companies can even see their data obliterated before their very eyes, allowing for immediate peace of mind that one’s information has been safely disposed of. Using mobile shredders operated by an experienced document destruction firm also ensures that a company’s data is handled by an unbroken chain of trustworthy operators. At no point is there a chance that someone can swipe a wayward piece of paper. Mobile shredders offer flexibility while reducing potential entry-points by identity thieves who benefit from long, convoluted data destruction procedures.

Paper shredding Toronto and area companies also offer electronic data destruction, using sophisticated programs and services to ensure every last bit of a document has been eradicated from a hard-drive. These systems are exhaustive and secure company data from hackers who may try trojans, key loggers or other methods of data infiltration. For the environmentally conscious corporation shredding services offer paper recycling options that can immediately and effectively reduce a firm’s environmental impact. You can read more about the environmental benefits of shredding services at These and other perks make opting for the assistance of a document destruction firm even more of a no-brainer compared to the alternative: occasional, slipshod data destruction destined to leave a company vulnerable.

Author Bio:

Simon Hopes has taken it upon himself to help educate people about current issues around identity theft and how we, as individuals and businesses, can protect ourselves. To learn more about the services of the best paper shredding Toronto and area has available contact the pros at Absolute Destruction, and discover how you can protect yourself and others.


Transport Industry Welcomes News of Investment Boost for Roads

transport1 Transport Industry Welcomes News of Investment Boost for RoadsTransport Industry Welcomes News of Investment Boost for Roads

As news emerged of an investment package worth more than  28 bn over the next seven years destined to improve and maintain the UK’s road network, the road haulage community had cause for celebration. The announcement was tempered with fears that this cash injection may be too late in some areas.

Essential work planned
As Chief Secretary to the Treasury Danny Alexander talked in a speech of the importance of the road infrastructure, calling it “essential,” his words were on the whole welcomed warmly by the Road Haulage Association. Whilst agreeing with Alexander’s sentiment, RHA Chief Executive Geoff Dunning suggested that the investment and repairs carried out may happen too late. It is estimated that of the  28 billion invested in the road network, a sizeable chunk worth  6 billion has been ring-fenced for the repair of pot holes, which amounts to around 19 million repairs throughout the duration of the investment.

Expanding on his thoughts that the money may come too late, Dunning explained that “it is essential that work starts today if the UK haulage industry is to deliver economic growth.” Dunning went on to suggest that the extreme weather experienced over the past two winters have led to some “appalling driving conditions.” Given that there has been a lack of investment in recent years, the impact of the weather has been magnified, leaving some side roads in a condition which “can be both dangerous and damaging to vehicles” according to Dunning. UK transport companies on the whole are in agreement that the spending should begin now and not wait until next year.

Highways Agency changes welcomed
The RHA have also been positive in their response to news that the Highways Agency has changed to become a publicly funded corporation. The body which represents UK transport companies has suggested that this move should lead to higher standards in road building, management and maintenance. Likewise, the accountability and transparency of the organisation should be improved thanks to the change in status.

Driver training changes
As the EU wide training standard the Driver CPC reaches its deadline for compliance from haulage firms, the RHA has announced a review of the standard. Given that in the four years since it was launched, companies have been working to ensure that their drivers are suitably qualified, the RHA now feel that they are in a better position to review the standard. The review is intended to give companies a deeper understanding as to how the directive is worked with and how regulators in the UK can improve how the directive is implemented.

Amongst the things to be highlighted within the review is the way in which hauliers have gone about implementation CPC training, along with ways in which the regulators can help to provide both a flexible and a targeted approach to training. The review is being conducted in conjunction with the Department for Transport and agencies concerned with CPC issues. Amongst the things the RHA are unhappy with is the way in which drivers can take the same course as many as five times, making it a tick box exercise.

Rob Jewell writes regularly about business subjects for companies like David Watson Transport. When he is not writing, Rob can be found strumming his acoustic guitar.


Is Your Company’s IT Obsolete?

As long as you aren’t letting employees save their work on diskettes, give yourself a pat on the back — you’ve at least made it past the year 2003. But how far has your company’s IT strategy progressed in recent years, as big changes have swept the industry? Check out this list of areas to check to decide if your IT plan is outdated.


4752969584 7a6289daf3 n Is Your Companys IT Obsolete?
Image via Flickr by Wayne-K

While a few employees might have a diskette squirreled away in the dark corners of their desk, most of your staff is probably using USB flash drives. These drives are effective and handy, but they have their limits. For example, you can only access the data on the drive if you physically have it on hand.

That’s why more and more companies are moving to cloud storage solutions. Depending on the service provider, cloud storage allows workers to get access to information from practically anywhere. As a bonus, it makes it easy for co-workers to collaborate. So, if you haven’t yet started using cloud storage, investigate its benefits.

Performance Management

With ever-increasing demands for higher profits, many companies have placed an emphasis on performance management improvement. For the IT department, that means making sure all systems are achieving peak performance. It also means being able to diagnose problems and solve them quickly to ensure productivity and a good work flow for other staffers.

It also means empowering employees to troubleshoot problems themselves. Review this aspect of your IT strategy to make sure staffers throughout the company have access to the tools they need to handle small IT problems on their own. That saves the IT staff time, so they can focus on system maintenance, upgrades, and addressing the big problems that arise.


3383538729 6a817a8cfb n Is Your Companys IT Obsolete?
Image via Flickr by amelungc

Besides having the most up-to-date encryption, firewalls, and other security measures, make sure your IT security policy isn’t dated. The policy should give specific instructions to employees for keeping their desk computers and laptops equipped with the kind of protections your company wants them to download to protect against malicious software and hackers.

Protect company computers, even after they’re lost, stolen, or sold, by installing drive encryption software on every machine. One other security tip that the IT team teaches the rest of the staff is how to create strong passwords. For example, your IT staff might recommend staffers translate passwords into another language to make it more difficult for outsiders to guess.

Tech Tools

Ensure your company has the IT tools it needs to communicate, simulate, brainstorm, collaborate, and create. If your staff still relies on clunky and expensive telecommunication hardware for teleconferences, consider helping them learn to use cheaper options such as Skype, GoToMeeting, or another Internet-based service.

Simulation modeling is an emerging tool that’s gaining popularity in some sectors. The idea is to enable a company’s leadership to develop scenarios and see how they might play out if pursued. This kind of simulation is a powerful way to evaluate several different options facing the company.

From security to the latest software, make sure your company’s IT plan and policy stays on top of innovations and most importantly, empowers the staff to work in a way that enhances the bottom line. If the system is obsolete, that’s the same as putting money down the drain.



Tips for Creating a Fantastic Retail Atmosphere

shop Tips for Creating a Fantastic Retail Atmosphere
There is no reason to think that anyone will come into your store and pay to buy anything you are selling unless you give them reason to. This means that you have to be on top of the atmosphere that is created in your store. Otherwise, expect that many potential customers will be turned off by the idea of shopping with you and will likely go somewhere else to find the very same things that you are selling.

Your store’s style

When setting up your store for customers, it is important to keep in mind the style that you are presenting to them. Are you showing them something that is new and refreshing? Or is your store simply like everything else they have seen before. In keeping with that, are you able to target the feel of your store to the right crowd? Not everyone has the same expectations of what a store should be like, and it is important to meet the expectations of those who you expect to sell the most to.
A good shopfitter like can help you achive the style vision you want for your store


In some stores music is highly appropriate to have, in others it may not make a lot of sense. A lot of this has to do with the type of store that it is, and the rest of the atmosphere surrounding the store. Those who do music right can expect it to pay big dividends in terms of the bottom line. Those who do not are going to see the exact same impact in the opposite direction. They will have customers turn away from them and their products simply because they do not like to hear the type of music that you are playing in the store. It can be annoying to them and make them turn away.


To complete the atmosphere in your store, you need employees who serve the customers well and who go with the rest of the vibe that has been set up in your store. Without this, it is rather difficult to find customers who are happy with what you have created. Basically, they may not want to come into your store if your employees seem unprofessional or otherwise uncommitted to their work. Those are the types of things that drive customers away and keep them away for a long time.

Employees should be given a dress code that helps them to remember how professional they are supposed to be on the job as well as makes them look better when they are standing around helping customers. You want those customers to feel like they can ask the employees whatever they need to ask them, and having a uniform code like this matters.

These are just a few of the things that you can do to make your store have a better atmosphere that is more welcoming to the customers. You never know how well you can do with customers until you start to put in some of the changes that may have been long needed at your company.


Does Your Business Have a Crash Plan?

Whether you own a small business or a large and thriving company, chances are high that you and your employees use computers in many aspects of your work. If your computer crashes or your website goes down, it could result in loss of productivity and customers, even in just a few minutes. Make sure to prepare yourself and your employees in case a crash does occur.

Avoiding Downtime

While you can’t prevent power outages, there are steps you can take to make sure that your information is safe for when the power returns. Downtime is harmful to any business, but especially to smaller companies who rely heavily on customer loyalty and easy accessibility.

If your company suddenly loses its important data, you might get stuck without contact information, history, inventory, and other vital numbers. Even just an hour of downtime can result in hundreds or thousands of lost dollars, so make sure to protect information and restore it instantly in the event of a crash.

Some Still Don’t Back Up

We constantly hear how important backing up files and information is, but millions of people (business owners included) still don’t perform regular backups. We rely so heavily on our technology, and sometimes forget that it can still fail, even when running the most advanced programs and apps. Be sure to back your files up often. It never hurts to be prudent.

Understand the Effects

If you have never experienced a crash, you may not understand how such an event can impact you, especially for your business. Imagine that you are working on payroll or crunching sales numbers for the quarter, and the computer suddenly won’t turn on. All of the information that you have put together over the years of running your company is gone.

Without proper backup, you most likely won’t be able to get any of the data back. Unless you have diligently kept paper backup, your valuable and vital information is lost.

Make Sure Your Backup Software is Working Correctly

Once you have selected a backup host, make sure to test the backup software often. Upload files, keep copies on your own computer, and then delete them off the website. Ask the hosting provider to retrieve these files for you, and make sure that your hosting provider keeps logs and monitors activity and changes to the storage. If you prefer to manage files on your own, online companies offer cloud storage, which store and keep the files in one easily accessible location.

Whom to Call for IT

If your business has a designated IT professional, make sure he or she is keeping track of all the data and location of the backup files. Stay current on practices and processes, if your IT person is unavailable at the time of a crash. If you don’t have an IT person, become familiar with the company that hosts your backup files, and make sure they know that you are the contact person in case there is a problem.

Protect your assets by making sure to back up and store all of your information. Many business owners will deal with a crash at some point, so prepare now and avoid detrimental loss.