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Scrutton Bland Winter Adviser 2019

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Scrutton Bland Winter Adviser 2019

Winter 2019

Harvest 2019 – the results are in

Whatever the weather – how forecasting is helping businesses 0330 058 6559 scruttonbland.co.uk

@scruttonbland

A fabulously relaxed RESTAURANT and BAR , open all day with no need to book. Pop in for BREAKFAST, BRUNCH , LUNCH , D I NNER , AF TERNOON TEA , cocktails or coffee.

Milsoms KESGRAVE HALL Hall Road, Kesgrave Ipswich, Suffolk IP5 2PU To book call: 01473 333741 [email protected]

www.milsomhotels.com

Winter 2019

WHO WE ARE Scrutton Bland Group provide a range of financial services and professional advice to both business and private clients. Our philosophy is simple, we believe in delivering clear, professional advice and are committed to finding the most effective solution for our clients.

CONTENTS Who we are����������������������������������������������������������������������� 3 Fairs, festivals and freak weather��������������������������� 4 Millennial savers�������������������������������������������������������������� 6 Beavering away��������������������������������������������������������������� 9 An apple a day���������������������������������������������������������������12 A Suffolk sorbet�������������������������������������������������������������15 Freelancers and technology�������������������������������������16 Harvest results 2019���������������������������������������������������18 And the winner is���������������������������������������������������������20 Tech East and Scrutton Bland partnership�������22 The jewels of Suffolk���������������������������������������������������24 Demystifying digital����������������������������������������������������27 A bright spark on the Essex coast�������������������������29 Theft but not as you know it����������������������������������32 Looks like rain again����������������������������������������������������34 Buoyancy and bounce back��������������������������������������36 The cost of everything but the value of nothing�������������������������������������������38 Charity starts at home��������������������������������������������� 40 New Angle Prize for literature���������������������������������42

820 The Crescent Colchester Business Park Colchester

Essex CO4 9YQ 01206 838 400

Fitzroy House Crown Street Ipswich Suffolk IP1 3LG 01473 267 000

Chancery House, Victoria Road, Diss Norfolk IP22 4HZ 01379 643 444 Milton Hall Ely Road, Milton Cambridge CB24 6WZ 01223 928 065

Scrutton Bland Financial Services Limited is authorised and regulated by the Financial Conduct Authority, registered number 209451. Scrutton Bland Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority, registered number 828934.

0330 058 6559 scruttonbland.co.uk

@scruttonbland

Cover picture ©Russell Savory@37squadron

A B O U T U S | S C R U T T O N B L A N D | 3

Getting prepared to hold events on your land

4 | S C R U T T O N B L A N D | I N S U R A N C E

Farmers and landowners have long been aware of the need to diversify into other areas to boost their income. Whether arranging an event yourself or giving permission to a third party to use your land, you will need to ensure that you have the right specialist insurance covers in place to protect you and your assets. Adviser sat down with Ed Nottingham, Insurance Director to discuss the measures landowners should consider in order to protect their assets when using land to hold events.

Check that you have the right insurance Whilst the potential profit margins for organising an event on your own land may be higher, the administration and organisation requirements are far greater than for a allowing a third party to host a licensed event. Holding your own event requires that you undertake a thorough risk assessment of all the activities which may be happening as part of the event in order to mitigate the legal liabilities and potential for claims or damages from members of the public. Core insurance covers you should have in place are: ✓ ✓ Public liability – to provide protection against claims for accidental injury from members of the public attending the event. ✓ ✓ Employee liability – covers not only your paid employees, but also family and friends who volunteer, even if they do so on a casual basis. ✓ ✓ Product liability – protects you against claims following the use of food, fuel or other goods supplied for the event. ✓ ✓ Business interruption – makes up lost income following cancellation or disruption of the event after an unavoidable incident such as a fire or storm. ✓ ✓ Cyber liability – festivals are heavily promoted on social media and other digital marketing activities; ticket and event information is usually sent out in the same way. Cyber risk insurance can cover >Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44

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