By John Healy of Healy Insurances
It is heartening to see so many businesses reopen in recent weeks. I hope that the progress can continue so that we see the remaining hospitality businesses back in action shortly.
While there is a raft of information from Government and HSE sources, this week I will briefly outline some items to remember from an insurance perspective.
Contact your insurance advisor before you reopen: You may have reduced cover on your property or liability cover over the closure period and it is important to update this prior to opening your doors. Remember you may have staff on site in advance of reopening so it is vital that your policy covers them.
Review your Health and Safety Statement. This should be a living document and be available to review as needs be. Your COVID-19 safety measures should be included and all employees should sign that they have read and understand the statement.
Obtain Return to Work forms: Before any of the team return to work they will need to complete a return to work form and partake in any necessary training. These documents can be found at www.hse.ie.
Outdoor seating: If you are planning outdoor seating on public owned areas you will need to obtain a permit from Kerry County Council and your insurance policy will need to issue a specific indemnity to the Council. The Council will also require a minimum limit of indemnity of €6.5 million, which is standard practice for all State bodies. If this is your first time undertaking outdoor hospitality then you should include this in your Health and Safety Statement and do a full risk assessment.
Water systems: Put in place control measures to avoid the potential for legionnaire’s disease before your premises reopens.
Inspect plant and equipment: This includes lifts, ventilation and kitchen duct systems and generators. Ensure that your inspection certificates are up to date for any lifting plant including passenger and goods lifts.
Identify and display appropriate warning and safety signage for your premises.
Cleaning: Arrange the appropriate cleaning of your buildings and contents. External cleaning contractors should provide you with a method statement, proof of insurance and when finished written confirmation that the cleaning has been completed to the agreed standard.
The above is not exhaustive but there is a wealth of information available on www.hse.ie and www.hsa.ie for reopening. Finally, the very best of luck to all the hospitality businesses getting back to what they do best. All we need now is that heatwave!
Tips to manage your home in the heatwave
By Ted Healy of DNG TED HEALY Our recent spell of good weather is certainly welcome but it does lead to some practical problems in the home. With the mercury rising to 30 degrees in some areas and night time temperatures ‘dropping’ to only 19 degrees, we find ourselves doing everything in our power to try and […]
By Ted Healy of DNG TED HEALY
Our recent spell of good weather is certainly welcome but it does lead to some practical problems in the home.
With the mercury rising to 30 degrees in some areas and night time temperatures ‘dropping’ to only 19 degrees, we find ourselves doing everything in our power to try and stay cool.
With weather advisory warnings in place for high temperatures, we have all found our homes are heating up!
While we are quite happy to fork out our well-earned Euro for that foreign trip to the sun to bake in the Mediterranean heat, we now find ourselves in the unusual position of the good weather visiting us for a change!
While it is easy to enjoy the sunshine from the swimming pool in Portugal or the beach in Spain it is a different story when walking into your hot house at home.
Unfortunately, the large majority of us don’t have the luxury of air-conditioned homes as much of the new building technologies we have experienced revolve around heating our homes. We now find ourselves looking for ways to cool them down!
While the natural reaction is to open the windows, it is recommended to keep windows, blinds and curtains closed as this will keep the hot air out. If opening them, make sure to do so at opposite ends of the house to create an airflow throughout.
To circulate cool air inside, fill up some bowls with water and ice and place them in different areas of the house – in front of a fan works best if you have one.
Another simple but effective option is to cook outside. Use the BBQ as the oven generates heat inside the house.
Trying to get to sleep at night can be particularly difficult in soaring temperatures. Here is a novel tip to help you catch those z’s; consider freezing your bedcovers before going to bed!
It may sound daft but give it a try; strip the sheets, place in a bag and pop them in the freezer. When it is time to hit the pillow, simply put them back on and they will be nice and cool!
Also, try taking a cold shower before bed.
Any halogen light bulbs in the house will also create additional heat, so consider replacing with LED lights.
Open the attic hatch to keep the house as ventilated as possible, allowing heat to escape through the roof.
And finally turn off any appliances, like the TV, when not in use. Electrical appliances can give off a surprising quantity of heat, particularly while charging.
Residential property inflation has accelerated in recent months
By Ted Healy of DNG TED HEALY According to the latest residential market review from leading property advisors DNG, house price inflation is now running at its highest level since 2017. Prices are now 11.1% higher at a national level and are 11.3% higher in the South West than they were in June 2020, as a […]
By Ted Healy of DNG TED HEALY
According to the latest residential market review from leading property advisors DNG, house price inflation is now running at its highest level since 2017.
Prices are now 11.1% higher at a national level and are 11.3% higher in the South West than they were in June 2020, as a result of strong price inflation in the market during the first six months of 2021.
The DNG National Price Gauge, which tracks residential property price movements at a national level, excluding Dublin, shows that the average price of a home now stands at €233,582 up from €210,258 in June 2020. In the South West region the average price of a resale property now stands at €266,844 up from €239,671 in June 2020.
The report highlights the fact that in the year to December 2020 the annual rate of house price inflation was running at 1.4% nationally. However, strong demand, coupled with a scarcity of homes for sale in the market, has served to drive up residential property prices across the country in the first half of 2021. In the first six months of the year, an uptick in the rate of increase in house prices has been driven by the shortage of supply in the context of rising disposable income, elevated savings levels and demographic pressures.
At a national level, an analysis of the stock of homes currently for sale indicates that there are approximately 35% fewer homes listed for sale now, compared to the same time last year, and 45% fewer than at the same point in 2019.
The latest results of the DNG House Price and National Price Gauges show that residential property inflation has accelerated markedly in recent months, driven primarily by increased first time buyer demand on foot of record levels of mortgage approvals. Our analysis of purchasers during the second quarter shows that first time buyers continue to dominate the resale market accounting for 54% of purchases during the period. In addition, over two thirds (70%) of buyers rely on mortgage finance in order to complete their transaction.
The elevated level of demand in the current market is evident now because of the easing of the restrictions placed on the property sector and house hunters during the last lockdown. Buyers who had paused their property search during lockdown are now back in the market competing with those buyers with more recent loan approvals.
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