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News & Blog

Jan 2019 Newsletter

Welcome to the first edition of Arlington’s Newsletter.

The updates below are just the headlines of the article with a brief explanation of what each relates to. Under each headline there is a link to further information if you are interested in finding out more. I hope you find this Newsletter both informative and enjoyable and that you look forward to our next edition.



Legal Indemnity Insurance is often vital as the solution to releasing sites, to allow developers to obtain funding in order to proceed with the development.

At Arlington we have access to a range of insurers who specialise in the many different types of legal indemnity covers, from restrictive covenants to rights of light.

Due to the complex nature of these enquiries, we usually communicate with our clients’ solicitors and then liaise with insurers accordingly.

More information about Legal Indemnity covers and how to contact us can be found here.


All businesses, regardless of size, should be considering their potential risks to ransomware, electronic crime, damage to systems, data privacy and virus transmission.

If you do experience a cyber attack, a Cyber Insurance Policy does not only help with paying the cost of claims, but also helps to get your business up and running quickly again, helping with rebuilding your IT systems, ICO liaison, IT forensics and PR advice.

Click here for some useful tips on how to protect your business.



We continue to support professional qualifications through the CII in Arlington, and, Rachel and Louis are progressing through their Diplomas in Insurance.

In the run up to Christmas last year, they both attended the Chartered Insurance Institute’s Young Members Winter Ball at Old Billingsgate.

This event brings together all the brightest, young talent in the insurance industry, none more so, than our very own Rachel and Louis!

More photos of the event are on Arlington’s News page here 


The C.I.I. Young Members’ Winter Ball

In the run up to Christmas, the Chartered Insurance Institute held their Young Members’ Ball at Old Billingsgate.

This event brings together all the brightest, young talent in the insurance industry and we were delighted to have two representatives at this prestigious event… Rachel and Louis!


Cyber Claims Case Study and 10 (cyber) resolutions for 2019

Most companies use their computer systems to carry out certain business functions in a variety of ways but many do not realise, or believe that, they have a significant cyber exposure.

If as a result of a cyber attack their computer systems are not functioning correctly or are not available it can have an adverse effect on the business and also result in considerable additional costs.

The latest case study from CFC Underwriting which relates to an electrical firm but could equally apply to any business that suffers a ransomware attack tells the story of how an electrical contracting firm’s legacy system was affected after a ransomware attack, resulting in sizable data re-creation costs.

The main learning points from this case are:

  • Dealing with a ransomware incident is rarely a simple matter of the ransom payment being made. As shown in this case, even though the ransom payment was made and the system was successfully decrypted, the ransomware had the unintended side effect of severely impairing the functionality of one of the company’s most vital systems.
  • The use of legacy systems can significantly increase the risk of a cyber loss. Typically not only are legacy systems far more vulnerable to attack they are also much more susceptible to being made defective following a cyber attack.
  • The majority of the costs of this claim came from the labour costs associated with manually re-entering data and it is important to ensure that this is covered as many cyber policies only provide cover for the cost to recover or restore data from back-ups, but not the costs to re-create or re-enter lost data from scratch
  • Today almost all businesses have some form of cyber exposure and even though the policyholder in this case was an electrical contracting business that didn’t solely rely on their computer systems to carry out work, they still had an office function that had a key role in the running of the business.

Click here to read the full case study but before you do here are some cyber-related resolutions to think about for 2019.

  1. I will change all default passwords on my personal and work devices.
  2. I will regularly check for updates to the operating systems of my laptop, computer and mobile phone.
  3. I will install strong anti-virus software and keep it updated.
  4. I will think twice before clicking on unknown links or attachments in emails.
  5. I will authorise payments to new transfer partners via telephone to minimize risk of fraud.
  6. I will not share sensitive information on social media that could be used against me in phishing attacks.
  7. I will back up my entire system at least once a week on an external hard drive.
  8. I will encrypt my mobile phone and all of my other devices.
  9. I will talk to my kids (or parents) about how to stay safe online.
  10. In the event that resolutions 1-9 fail, I’ll have a cyber insurance policy in place to save the day!

Solicitors and Legal Indemnity Insurance


Legal Indemnity insurance is now common place in today’s UK property conveyancing market and if you require an insurance policy you should consider using Arlington Insurance Services because as an Insurance Broker we are a professional firm regulated by the Financial Conduct Authority (FCA) whose prime purpose is to help customers find suitable cost effective insurance protection.

We work with your solicitors or legal representatives to provide the appropriate solution and we have access to a wide choice of products from various insurance markets. We can also give advice on suitable insurance protection and we will provide clear information and documentation and state the costs of the policy including any fees.

For more information about legal indemnity insurance and about how Arlington Insurance Services can help you with this please click here to view our Legal Indemnity information sheet.

5 simple ways for Accountants to protect themselves from PI claims

At Arlington we specialise in Professional Indemnity insurance for Accountants and deal with all types of firms, ranging from sole practitioners to businesses with 20 partners or more. Here, we look at the importance of documentation in not only preventing claims, but also in responding to claims should any allegations be made against a firm.

5 simple ways for Accountants to protect themselves from having PI Insurance claims brought against them.  

  1. Have a letter of engagement: your letter of engagement is crucial and will outline the scope of professional accountancy services you provide (and those you won’t). Ensure that you have a copy on file that has been signed by you and your end client. Don’t rely on the fact that you may have dealt with your client for 30 years without a letter of engagement and ‘there’s never been a problem’. Ensure that letters of engagement are regularly reviewed, updated and reissued if necessary should there be any changes to either the name of your practice or the scope of services you are providing/offering. The members’ area of the ICAEW website can provide samples of such letters.
  2. Service creep: be careful of delivering more than you are engaged to do without reviewing or amending your letter of engagement with your client. For example, if you are undertaking bookkeeping and payroll services, be clear to your end client you are not providing full accountancy services. It can lead to issues if a claim arises. We are currently dealing with a claim where an accountant was retained by a charity to undertake an annual Independent Examination. However, the charity understood this to be akin to an audit, and misappropriation of the charity’s funds was missed. Therefore ensure that your client knows and fully understands the extent of your accountancy role.
  3. Keep contemporaneous notes: keeping file notes of client interactions is so important, particularly phone notes or meeting notes. Ensure that your clients are given a copy of any meeting notes that document what was discussed, advice given and any recommendations made. PI claims usually arise years several years after professional advice was given and courts will struggle to side with the accountant if there are no documented file notes.
  4. Include a limitation of liability in your letter of engagement – ensure this doesn’t exceed your limit of PI cover and obtain independent legal advice if needed.
  5. Third party engagements: accountants often have relationships with third parties such as financial planners and tax advisers etc. Ensure that these parties also issue a letter of engagement with your client that clearly distinguishes the separate relationship and responsibilities. Ensure that your letter of engagement excludes advice performed by any third party specialist advisors.

To discuss your PI needs please don’t hesitate to contact Verena Cole on 0117 387 8880 or Anna Lloyd on 0117 387 8881 or email or to get a quote online click here.