10/02/2021 – The NEN – North Edinburgh News

How to manage your business insurance while working remotely

With the country now in its third and hopefully final lockdown there are many businesses unable to operate from their usual premises under current government guidelines, many employees have reverted to working remotely from their homes.

While focus has been on transitioning equipment and employees, many business leaders may not have yet had time to consider their insurance policies and the potential impact of remote working over the longer term.

To support businesses, leading insurance provider,Insurance2go, has shared advice on business insurance cover for those with employees who continue to work remotely.

Check your policy

This may seem like an obvious first step, but it is important to check that you are still covered by your insurance while employees work from home.

The good news is that, generally, your insurance will cover your business when it’s not in its regular location. Where you operate from doesn’t really matter, as long as you’re still in the UK. However, you may need to check your contents insurance and whether it covers use of items such as laptops, for example, beyond your normal premises. If it doesn’t, you may need to extend your cover as you cannot rely on your employee’s home insurance to include business use.

Health and safety checks

Interestingly, The Health and Safety at Work Act 1974 makes no distinction between home and in-office workers. The regulations require employers to carry out a risk assessment of their employees’ workplace, to identify any potential risks so the employer can then seek to remove or mitigate the risk.

It is not necessary to visit the employee’s home to carry out a risk assessment, particularly during the ongoing pandemic. However, HR managers can provide the employee with a detailed self-assessment questionnaire as part of a firm’s legal responsibilities for homeworkers.

If your company does not have one already, there are many free templates available online.

Heath & Safety Executive: Free Display Screen Equipment Checklist

https://www.hse.gov.uk/pubns/ck1.htm

Keep records

Your business needs to be able to show that is has done everything by the book, just in case a circumstance arises where an employee says you didn’t set them up to work from home properly and suffered as a result of it, or there is a data breach. Keep a record of everything you have done, including reasons and the dates they happened.

It is important to have a home working policy that staff can access and read to ensure it is clear what is expected from both parties.

Home working policies should cover key areas including:

when employees will be available to work
how and how regularly they’ll keep in touch
how their performance will be managed
health and safety expectations
rules around confidentiality, IT security, storing information and data protection
who employees should contact if they’re experiencing any problems.

Get cyber insurance

During 2020, the NCSA (National Cyber Security Centre) reported an increase in cyber-security threats, most likely as a result of employees working from home with serious breach affecting a business’s reputation^1.

Firstly, make sure IT teams have undertaken checks on all laptops, desktops, and tablets to make sure they are as protected as possible. Also ensure secure connections are set up from the worker’s home station to the company network.

As cybercrimes become more sophisticated it is important not to rely on checks alone, having cyber insurance in place will help to mitigate further risks.

Keep your insurer informed

Most likely your business has changed due to the pandemic if you’ve seen a period of rapid expansion and growth. Whatever your circumstances then get in touch with your insurer. If you’re unsure, err on the side of caution and provide the updates, rather than running the risk of invalidating your policy.

On the other hand, if your business is now having to operate remotely, you should check with your individual insurance providers as to whether they require you to check and maintain security systems while the premises are vacant.

Richard Gray, Head of Marketing and Digital, at Insurance2go says:“It has been an unforeseen time for businesses and employees alike, and for many business leaders it can be hard to predict what the future looks like for their employees in terms of working remotely.

“It’s more important than ever that businesses protect themselves from any unplanned expenses and we hope this advice helps people understand what is required from an insurance point of view, to continue to operate effectively and safely while working from home.”

For more information on business insurance, please visit:

https://www.insurance2go.co.uk/about/news-blog/news/insurance2go-business-launches-new-specialist-multi-item-insurance

Live Life Better

Breaking big life changes into small, manageable steps

One Year No Beer launches empowering programme of online courses and events targeting mindfulness and wellbeing:

Motivating people to change the world’s relationship with alcohol, One Year No Beer has launched the Live Life Better wellbeing platform, an empowering programme of online courses and events to help people break big life changes into small, manageable steps.

From reducing your sugar intake to surviving modern society alcohol-free and even embracing the benefits of meditation, each individual challenge has the aim of helping you make positive life changes.

Launched from 1^st February, each course offers members the opportunity to start living life better, taking control of their personal wellbeing and working towards a healthier version of themselves. Hosted by industry professionals, academics, doctors and OYNB coaches, the easily digestible programmes have everything you need to make changes that stick.

Responding to member requests for support in other areas, topics include a Sugar Challenge, to help quiet cravings and satisfy a sweet tooth; Alcohol and Men’s Health, to help build resilience and self-worth without the need of a pint, and Mindfulness and Meditation, for those looking to restore some inner balance.

Available in 28 and 10-day challenges, each offers a tailored approach, allowing members to choose the one that will best suit their goals, current situation and stage in life.

“Looking at the role alcohol plays in our lives was just the start of the journey for us”, says Ruari Fairbairns, founder and CEO of One Year No Beer. “It naturally opened up the door for so many of our members to ask for more support with other aspects of their life and wellbeing.

“People wanted help changing their relationship with sugar, food, mindfulness and more and from that, the idea of Live Life Better was born.”

Besides OYNB founder Ruari, coaches include Carey Davis-Munro, a food and wellbeing specialist with a passion for healing yourself through nutrition; menopause and alcohol specialist, Kate Sansum who testifies to the 62 symptoms of menopause being worsened by alcohol and Dr Gail Davies, who advocates 10 minutes of mindfulness a day in order to completely overhaul your emotional and cognitive response.

Dr Gail Davies, academic, scientist and Live Life Well coach, said: “Mindfulness is a life skill that everyone can benefit from; practicing every day, for even a few minutes, can change your brain and the way we experience situations.

“Conquering our emotional response and making ourselves less likely to be highjacked by our own emotions, leads naturally to a feeling of being more engaged, present and subsequently, happier.” .

Prices range from £10 to £45 and subscribers will be notified when new courses launch, with Plant Based Living, Tiny Habits for Parenting and a 28-day Yoga Challenge poised to begin in the coming weeks.

Millions of used Covid-19 tests ‘piled high’

The UK’s testing capacity for Covid-19 may be helping to avert a further rise in case numbers – but the waste produced means a disposal disaster is looming.

According to Government figures, the UK is now testing over 580,000 people per day – or over 4 million people per week – for the Covid-19 virus which is circulating amongst the population.

This number includes tests taken at Covid testing centres, door-to-door tests, and the quicker lateral flow tests being used in workplaces and schools – but does not include antibody tests, which check if a person has had the virus previously, so the true number of daily test kits used is likely to be much higher.

Rubbish removal experts Divert.co.uk have raised the alarm over the sheer volume of testing kits being used daily and concerns of the accuracy as low as 57.5% making this a very dangerous problem. There is a mounting problem for testing centres and facilities: what to do with hundreds of thousands of used tests daily?

As the Covid-19 testing process involves either nasal or throat swabs (or, for antibody testing, blood samples) the kits must then be disposed of as clinical waste, in incinerators. In the past, individual hospitals often had their own incinerators to dispose of medical waste, but this idea was short-lived as the resulting pollution was a concern, and private contractors have handled the waste since the 1990s.

But these contractors are now raising the alarm that their incinerators are at full capacity, and have been for a while, with medical waste quite literally piling up, as a result, the instantly-recognizable yellow medical waste bins overflowing. In turn, this has angered those in the industry who say they have been warning the government ‘for years’ about the need for increased capacity.

NHS chiefs admitted in 2018 that there was a national capacity issue amid growing backlogs of medical waste and clinical waste management firms being forced to store waste above their permitted allowance as a result. Despite this, waste management firms are once again warning of mounting problems as Covid-19 testing places unexpected stress on the system.

Firms, fearful of repercussions like those seen by waste management businesses who were penalised during the 2018 crisis, are turning away contracts for Covid-19 test centre waste, leading many to call the issue a public health ‘emergency’.

Spokesperson Mark Hall of Divert.co.uk said: “It’s important to note that, of course, the huge scale of Covid-19 testing in the United Kingdom is a good thing – it allows us to track the spread of the virus, which is enormously important in tackling the pandemic and allowing us to return to pre-Covid life.

“However, the sheer number of testing kits being processed each day without adequate disposal capacity to handle the waste generated, combined with the accuracy of some lateral flow tests being as low as 57.5% makes it a serious cause for concern, and we hope it will spark further conversations in the medical manufacturing industry about the way in which we approach the issue of medical waste.

“Hundreds of thousands of pieces of single-use plastic are disposed of daily by the medical industry, from syringes to gloves to the Covid test kits, and many of these seem unavoidable.”

Experts in the field such as Tony Capon, director of the Monash Sustainable Development Institute – speaking to the BBC – are clear that there are long term steps that could be taken to reduce unnecessary medical waste.

He said: “When I was beginning my medical career, it was standard practice for things to be cleaned and autoclaved. Medical equipment was routinely cleaned up, sterilised and reused.”

Others note that changes in practices – such as encouraging handwashing rather than glove use, where appropriate – could help decrease excessive waste.

Mark Hall continues: “We’d like there to be a greater focus on ensuring sustainability in the healthcare field overall. Firstly, by promoting a more sustainably-minded culture where medical workers actively choose to take safe steps to reduce waste, and secondly by minimising waste in the design and manufacturing of single-use items.

“Creating items which can be safely sterilised and re-used could, over time, lead to huge shifts in how we tackle medical waste as a problem – and it is, in its current format, undeniably becoming a problem.”

Hero British diplomat awarded for lifesaving actions

British diplomat Stephen Ellison has been awarded the Royal Life Saving Society UK’s (RLSS UK) ‘Certificate of Recognition’ after his heroic efforts saved a woman from drowning.

Mr. Ellison, currently serving as consul-general in Chongqing in China, hit headline news in November 2020, after footage of him bringing the unconscious woman to the riverbank, went viral.

Out walking that morning, Mr. Ellison noticed the woman struggling in a fast-moving current, after falling into deep water. A seasoned open water swimmer through his participation in triathlons, Mr. Ellison wasted no time in getting into the water and bringing her to safety.

“RLSS UK’s ‘Certificate of Recognition’ celebrates members of the public who successfully rescue someone from the water,” explains RLSS UK CEO, Robert Gofton.

“Mr. Ellison’s selfless actions saved that lady’s life, and it is a testament to his courage and water safety knowledge that they both survived the ordeal.

“I was delighted to be joined by RLSS UK President Mark Smith, to award Mr. Ellison the certificate via a video call, and I look forward to the chance to meet him face-to-face, one day in the future.”

“It’s often the case with a situation like this, that everyone was taken by surprise by the sudden turn of events,” said Mr. Ellison. “As someone who takes part in triathlons, I felt confident that I could safely reach the lady in the water and help.

“I was just over-the-moon that she recovered consciousness and required no further treatment.

“It’s a wonderful surprise and an honour to be recognised by the Royal Life Saving Society UK.”

For more information:

RLSS UK: www.rlss.org.uk

Twitter – @RLSSUK

Facebook page – facebook.com/RLSSUK

Three-in-ten new Universal Credit claimants have seen their debts grow during the crisis

Over three-in-ten people who have started claiming Universal Credit (UC) during the pandemic have either acquired new debts, or seen their existing debts grow, as the crisis enters its eleventh month, according to new research published by the Resolution Foundation.

The debts that divide us – which includes analysis of a detailed online YouGov survey, supported by the Health Foundation – explores how people who have newly claimed UC during the pandemic have coped financially, as well as their prospects for the coming months.

The Foundation notes that of the almost six million people who are currently claiming UC, around three-in-five made a new claim in 2020, including many of the 1.4 million people who made a new claim at the start of the crisis in April and May of last year.

The research finds that families newly claiming UC have taken a major income hit, even with the vital £20 a week uplift to UC. Almost half (45 per cent) reported seeing their income fall by at least a quarter, while around one-in-three (34 per cent) reported seeing their income fall by at least 40 per cent.

And with the pandemic-induced economic crisis having lasted almost a year, the research shows that the big income losses faced by people moving onto UC are taking their toll on their ability to cope financially.

The research finds that over three-in-ten (31 per cent) new UC families have either acquired new debts or seen their existing debts grow, while around one-in-five (21 per cent) have fallen behind on paying essential (non-housing) bills.

Looking ahead to the next three months, a period in which UC is set to be cut by £20 a week (from 5 April 2021), three-in-five (61 per cent) UC families say they will struggle to keep up or will fall behind on bills, around twice the proportion of families across the economy as a whole (31 per cent).

The Foundation says that the uplift to UC has been essential for protecting family incomes during a pandemic that is lasting far longer than anyone expected when the policy was announced back in March 2020. The uplift is likely to prove just as vital in the coming months too, as more people claim UC off the back of rising unemployment.

It adds that with millions of households claiming UC experiencing real financial hardship, cutting their support in just two months’ time would be a grave error – and extinguish any hopes of a living standards recovery this year.

Karl Handscomb, Senior Economist at the Resolution Foundation, said: “Over three million people have started claiming Universal Credit since the pandemic began, including 1.4 million people who moved onto the benefit right at the start of the crisis.

“As the pandemic reaches its eleventh month – a depressing duration few expected last March – the income shock from with moving onto Universal Credit has evolved into mounting debts and arrears on essential bills.

“The Chancellor was right to raise Universal Credit to support families through tough economic times. And with tough times set to continue as unemployment rises through 2021, this vital boost to family incomes must be maintained.

“Cutting the incomes of six million families in just two months’ time, when public health restrictions are still likely to be widespread, makes no sense politically, economically, or in terms of raising people’s living standards.”

New guide for people recovering from COVID-19

It’s a long road to recovery for many who have contracted COVID-19. In Scotland over 185,000 people have tested positive for the virus, with over 57,000 of these cases recorded within Greater Glasgow and Clyde.

NHSGGC’s Physiotherapy and Occupational Therapy teams have created a new online resource to help anyone who is recovering from the virus, having distilled what they have learned from helping people recover both at home and in hospital.

The new self-management resource is available to the public and is aimed at anyone managing the many types of symptoms associated with COVID-19. It also notes the pace of recovery may be slower than expected.

Common symptoms can include: fatigue, breathlessness, reduced exercise tolerance and lack of physical strength. The resource offers advice on recovering from the virus, managing breathlessness, general wellbeing, managing fatigue, exercise programmes and more.

Lynn Glen, Physiotherapist, NHSGGC, said: “We know that the lingering effects of COVID-19 can vary from person to person. We’ve had younger and older patients admitted to wards and intensive care units, some dealing with debilitating fatigue and breathlessness for months after being diagnosed, requiring weeks and months of rehab and physiotherapy input.

“Other patients may only require physiotherapy input for a shorter period. The length of time recovering from COVID-19 can also vary so we had to find a way to support people at home.

“We wanted to help people get back on their feet, to gain knowledge about the virus, learn how to manage their symptoms and ultimately recover with this new resource.”

You can access the new NHSGGC online resource here:

https://www.nhsggc.org.uk/your-health/health-services/allied-health-professionals-ahps/physiotherapy/

Lorna Graham, 27, who has been a nurse for three years, was diagnosed with COVID on 8 April 2020 and has not yet fully recovered. She was off work for six months and has since been diagnosed as suffering from Long COVID.

Lorna said: “The acute phase of my illness lasted a few weeks and I can truly say I felt like I was dying. Without question it was the worst I have felt in my life. It’s not that I haven’t been ill before. I have had sepsis and swine flu but this was different. It felt like I was drowning; at times I couldn’t get a breath.

“This all happened despite me being a fit 26 year old. I wasn’t a fitness fanatic, but I was active on my days off. I would go hillwalking regularly, so you could say I was fit and obviously young too.

“In the first few weeks I was at the COVID assessment centre a few times and was sent to hospital, although never admitted. I had a temperature, no taste or smell and just slept and slept.

“I waited to recover fully and it just never came. It was October before I felt able to go back to work.”

Nearly ten months on, Lorna’s health has yet to recover fully.

Top Ten Tips for Recovering from COVID-19:

Take it slow – recovery may take longer than you expect.
Eat well – your body needs nutrients to get better. This can be difficult when you lose your sense of taste / smell but just as important.
Sleep well – your body needs rest, take it easy.
Plan your day – especially important if you’re feeling fatigued. Plan your day and week to include consistent activity, rather than boom and bust cycles which may leave you more tired.
Deep breathing – sit in a relaxed position, breathe in through your nose, out through your mouth, lying on your front can also help.
Stay active – your physical strength may be impacted so build yourself back up with regular activity like walking or at home exercises.
Get up – easy to forget in lockdown, make sure you are regularly standing, set a timer to make sure you’re getting up once an hour.
Get out – make sure to get outside with nature proven to improve our wellbeing.
Relax – remember to relax your mind however that may be. Some people find meditation helpful.
Stay connected – speak to your loved ones regularly about your recovery and how you’re doing. We all need support.

Edinburgh businesses cut energy bills by £8m with government-funded support

Businesses in Edinburgh are on course to save more than £8m on their energy bills with the support of a Scottish Government-funded programme.

Small and medium-sized enterprises (SMEs) have been taking advantage of a free service run by Zero Waste Scotland to discover ways they can cut their energy use and reduce carbon emissions.

Marissa Lippiatt, head of resource efficiency at Zero Waste Scotland, said: “It is pleasing to see so many businesses in Edinburgh deciding to take action to reduce their energy use.

“Not only does this add profit directly to their bottom line, but it also goes a long way to helping Scotland meet its target to reduce carbon emissions to net zero by 2045.”

Since the start of 2016, the impartial advice given to companies in Edinburgh has identified £21m of potential energy savings through things like heating, lighting and building upgrades.

To help SMEs finance the recommendations the Scottish Government currently provides interest-free loans and cashback grants.

“The actions taken by Edinburgh SMEs to implement our recommendations will reduce their collective carbon output by 22,000 tonnes. That’s equivalent to the emissions from 78 million car miles.”

Throughout Scotland, companies are on course to make close to £207m of lifetime energy savings with the Highland Council area leading the way with £18m.

More than 720,000 tonnes of carbon emissions can be cut from the atmosphere nationally because of the changes recommended. This would equate to the emissions created from more than two billion car miles, or 102,400 journeys around the world.

Marissa (above) said: “We have an increasing number of businesses coming to us for support and advice which demonstrates the growing awareness of the climate emergency and how we can all take steps to make changes.”

Zero Waste Scotland’s Energy Efficiency Business Support Service provides free, independent advice to SMEs, guiding them to introduce more energy efficient technology. The programme is funded by the Scottish Government and the European Regional Development Fund.

Businesses can apply for an interest-free Scottish Government SME Loan of £1,000 to £100,000 with a maximum cashback grant of £20,000 for eligible measures.

To find out more, or to apply, visit www.energy.zerowastescotland.org.uk.

Alternatively, contact our advisors directly by calling 0808 808 2268 or emailing EnergyEfficiency@zerowastescotland.org.uk

Overwhelming support for twelve-month minimum learning period for new drivers

New research conducted by IAM RoadSmart, the UK’s largest independent road safety charity, has found overwhelming support for a 12-month minimum learning period for new drivers before they are allowed to take the practical driving test.

In its in-depth survey of more than 2,000 motorists, the charity found that more than two-thirds (68 per cent) strongly backed the suggestion that all new drivers, regardless of age, should undergo at least a year’s training and supervised practice before being allowed to take their practical test.

And while the Government committed to investigating some form of Graduated Driver Licensing (GDL) in 2019, including the possibility of a 12-month minimum learning period as a key component, they have still not offered any firm conclusions.

IAM RoadSmart is therefore calling for urgent action on this issue. The charity, citing the evidence presented to the recent House of Commons Transport Committee Inquiry into Young and Novice Drivers along with the strong public support demonstrated in this latest study, says that a move to Graduated Driver Licensing is a crucial step forward in improved road safety.

Neil Greig, IAM RoadSmart Director of Policy & Research, said: “The Government must listen to the concerns of the vast majority of motorists who clearly understand the long-term safety benefits that a 12-month minimum learning period for all new drivers would bring.

“A lifetime of safe driving starts by gaining the right experience behind the wheel. Even the Government’s own statistics show that one in five new drivers crash within their first year on the road, so a longer learning period can only help make our roads safer for all road users.”

Meanwhile, the study found that around two-thirds (65 per cent) of people also support more encouragement for post-test training, believing that it would be beneficial for drivers to improve their skills through advanced driver training and testing. This rises to 71 per cent among drivers aged 17 to 49.

Neil added: “Lessons learnt at the start of your driving career can pay dividends and if new drivers had longer to experience all road types, in all weathers and at all times of the day and night before their test, the benefits can only increase. Experienced license holders need to update their observation, anticipation and planning skills too, to ensure they remain safe throughout their driving and riding careers.”

Social Care Reform: Listen to carers, says Holyrood Committee

A Health and Sport Committee report into the future of social care has said those delivering and receiving care must be at the heart of social care reform with the current model described as unsustainable.

The Committee say a national conversation on the future of social care is needed and that the myriad issues facing staff must be addressed in the development of any new system. The Committee’s report says the problems faced by the care sector have been compounded by the COVID-19 pandemic.

The Committee express concern over the lack of value placed on social care and social care staff, in stark contrast to NHS staff. The report emphasises the ongoing difficulty the sector faces in attracting and retaining staff; citing a lack of training and staff development opportunities, alongside low pay as the key reasons for this.

A number of problems with the current care model are highlighted by the Committee including the continued lack of progress on health and social care integration. They also recommend the Scottish Government seek alternative models of commissioning and procurement with the current ones described as ‘counter-intuitive’.

The Committee describe the current model of crisis driven, reactive care as unsustainable and say more must be done to shift the focus to a preventative model, involving local communities in the future planning of health and social care services.

Lewis Macdonald MSP, Convener of the Health and Sport Committee, said:
“Throughout this inquiry the message we have been given from those receiving care, and from paid and unpaid carers, is that they have not felt listened to and have been undervalued. That’s why it is essential that they are at the centre of much needed reform of the social care system.

“There is no doubt the current model of care is unsustainable, with some of the issues facing the sector exposed by the pandemic. We want to see a nationwide conversation held into the future of social care and we hope that the findings of our report, and the independent review, can help in shaping this future.

“We are grateful to all of those from across the care sector who provided evidence to our inquiry and gave their keen insight into how it is experienced in Scotland.

“I’d like to put on record our thanks to the tireless and passionate workforce, both paid and unpaid, who undoubtedly deserve better.”

Doddie digs deep for families living with MND

The My Name’5 Doddie Foundation, founded by rugby legend Doddie Weir, has donated an additional £100,000 to MND Scotland and £200,000 to the MND Association of England Wales and Northern Ireland, to support people living with motor neurone disease (MND).

Doddie, who first shared his MND diagnosis in June 2017, has pledged to help others living with the rapidly progressing terminal illness, as well as funding for vital research into finding a cure.

To support families currently affected, the Foundation has committed annnual funding to MND Scotland and the MND Association, since 2018.

The Foundation also made one-off donations to the charities in response to the Covid-19 pandemic, taking its total contributions to MND Scotland and the MND Association to £380,000 and £670,000, respectively.

The new funds will be used by both charities to help families across the UK cover some of the financial burden that comes with a diagnosis of MND, through their grant programmes.

These programmes aim to help reduce some of the extra costs that come with living with MND. The grants can be used in various ways, for instance; to help with costs towards home adaptations, such as ramps and stairlifts, for specialist equipment to live life more independently, and for respite activities for carers and families.

Jill Douglas, CEO of the My Name’5 Doddie Foundation, said: “We are delighted to continue and further strengthen our relationships with MND Scotland and MND Association by working with both these charities to support people living with motor neuron disease.

“This commitment, by Doddie and the Foundation, to help patients and their families, is one of our main strategic goals and we look forward to sharing our plans for the future in the coming months.

“Our ability to offer grants to families, through the existing frontline care charities, is only possible through the amazing contribution of our fundraisers and supporters and we’d like to thank everyone who has helped and supported us, you inspire us every day!”

Adrian Murphy, MND Scotland’s Chair, said: “I’d like to thank the Foundation for its ongoing support of our grants programme which allows us to provide essential support to the families affected by this devastating disease.

“Since his own diagnosis, Doddie has raised an incredible amount of awareness by sharing his personal journey with MND, and through his Foundation has raised vital funds to support the cause. By continuing to work together we can help make life a little easier for people living with MND right now.”

Sally Light, Chief Executive of the MND Association for England, Wales and Northern Ireland, said: “We are really pleased and grateful that Doddie is channelling money raised by his Foundation in the last year into our care grants programme once again, ensuring it goes directly to people affected by MND who desperately need it.

“We have a long-standing and comprehensive programme which we know makes such a difference and support like Doddie’s and that of his Foundation’s supporters is vital to us continuing with that.”

For more information visit:

www.mndscotland.org.uk, www.mndassociation.org and www.myname5doddie.co.uk.