TL Dallas acquire Buckingham House brokerage

The recent acquisition by TL Dallas of the specialist book of demolition insurance business of Buckingham House (London) Ltd, will trade from our City office as TL Dallas (City) Ltd t/a Buckingham House.

The founder of Buckingham House, John Norbury has  over 30 years experience as a qualified insurance broker and has specialised in insurance for the demolition contractors and allied industries since 1991. Buckingham House has also been an active Industry Service Provider member of the National Federation of Demolition Contractors since they were established.

We are pleased to extend our service offering through this acquisition and particularly pleased that Mark Clements who has worked with John Norbury for 25 years, has joined the team in City office with John continuing to act as a consultant.

TL Dallas’ Managing Director, Polly Staveley comments, ’We are delighted that John has agreed to sell his book of business to TL Dallas – it fits very well with the existing construction sector expertise that we have within the team in our City office and is further enhanced by the fact that Mark Clements, who has worked with the clients for over 20 years, has joined our team. We are looking forward to working with the clients and developing the business further.’

If you would like more information regarding demolition insurance please contact:

Mark Clements – or call 07881 934054/0207 426 5347
Mike Mitchell – or call 07496 888411/0207 426 5343

Alternatively, email


Time to sharpen up your approach to health & safety

The ‘Sentencing Guidelines’ introduced in England and Wales in 2016 saw a significant rise in the size of fines being handed down by the courts in health and safety cases. In 2016, nineteen companies received fines of a million pounds or more, compared to only three in 2015 and none at all in 2014. Further to the increase in financial penalties 46 company directors and senior managers were prosecuted under health and safety laws in 2016 and prison sentences are becoming increasingly likely. Businesses operating north of the border should recognise that the Scottish courts are likely to follow the English and Welsh Sentencing Guidelines.

The Guidelines have made it more important than ever for your business to proactively manage their health and safety provisions which should include your Health and Safety Policy, risk assessments, safe systems of work and staff training. If your health and safety documents are hiding in a dusty folder on the shelf which, for example, only gets opened every six months to record the details of the fire drill then they would definitely benefit from a thorough review. Not only should they be up to date and accurately reflect your business activities but they should also have been communicated throughout your business and be understood by all your employees.

The reasons for having practical, effective, specific and up to date health and safety documentation are compelling but what about aspects beyond the ‘paperwork’ – the human element?

A safety culture (good or bad) within a business can be determined by what its employees actually do rather than what they say and this applies from the boardroom to the shop floor. Attitudes and behaviours demonstrated by all employees are a good barometer of the health and safety culture within a business.

‘Safety culture’ is a frequently used term, but what does it actually mean and how do you measure it?

A safety culture cannot be bought off the shelf as a package; it takes determined commitment and involvement, an understanding of the required outcomes and how these will be achieved and genuine desire for it to succeed.

While the sentencing Guidelines do not impose any further burden upon business the consequences of a successful prosecution now even further outweigh the costs of taking the time and effort in implementing and maintaining a robust health and safety management system.

If you would like to discuss a review of your health and safety management systems or to learn more about the benefits of introducing and sustaining a positive health culture please contact the TL Dallas Risk Management team by emailing

Novating Contracts – The Insurance Time-bomb?

Do you ever have the employers professional team novated to you? Do you understand what all of the risks are?

Increasingly Professional Indemnity insurers are including a clause on their policies requiring that their insured (you) do not waive or in any way limit full rights of recovery or subrogation against another party.

It is common practice for an employer on a building project to engage their own professional advisers before appointing a main contractor. When the main contractor is appointed, the employers own advisers are often then novated across to the main contractor. A straight novation means that the contractor assumes the employers role in their contract with the adviser – complete with all the pre-existing terms and conditions of that contract.

Many professional advisers are engaged on their standard terms & conditions, which usually contain contractual caps on the advisers liability. For example, a very large international consultancy uses standard terms & conditions which cap all liability for the projects it consults on at £1M.

By accepting a novation from an employer, on the advisers standard terms, you risk invalidating your own Professional Indemnity policy.

Bear in mind that the contracts you work on now are the same ones that may generate claims in 3, 5 or even 12 years time and the policy which will respond is the one which is live when the claim is made against you. With a disconnect between your insurance arrangements and your contractual arrangements there is a real risk of creating a Professional Indemnity time-bomb with the potential to damage your business for years to come.

Irrespective of insurance you, as Main Contractor could be signing up to contracts and warranties, with requirements to maintain £10M Professional Indemnity, while the negligent party on the employers original professionals team have been able to cap their liability at a significantly lower level, leaving you exposed.

There are simple and cost effective (in many cases they are free) solutions to the problem. For further details or to discuss any other Construction Insurance issues please contact Mike Mitchell by email, or call 07496 888411.