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How to review contracts for risk.
Risk

Liability Caps and Where They Fail

Gerald Ntumba-Whitlock June 8, 2026June 8, 202611 min read

I spent thirty-seven years standing in the middle of flooded basements and charred living rooms, listening to people explain why …

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How contractual liability affects insurance indemnity clause.
Risk

The Indemnity Clause Your Insurer Never Saw

Gerald Ntumba-Whitlock June 3, 2026June 3, 202611 min read

I remember standing in a half-flooded warehouse back in ’94, the smell of damp drywall thick in the air, listening …

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How contractor risk is managed via insurance.
Risk

Checking a Contractor’s Insurance Before They Start

Gerald Ntumba-Whitlock May 23, 2026May 23, 202612 min read

I remember standing in a half-finished commercial kitchen three decades ago, the air thick with the smell of sawdust and …

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How employers protect against claims using records.
Risk

Records Are the Defence in an Injury Claim

Gerald Ntumba-Whitlock May 19, 2026May 19, 202611 min read

I remember standing in a warehouse in the Midlands back in ’94, the air thick with the smell of burnt …

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Understanding how RIDDOR reporting works.
Risk

What Must Be Reported and How Quickly

Gerald Ntumba-WhitlockUpdated on August 20, 2026May 13, 202611 min read

I remember standing in a damp, half-finished warehouse in the Midlands back in ’94, looking at a foreman who was …

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How accident investigation should be done properly.
Risk

Investigating an Accident Properly

Gerald Ntumba-Whitlock May 2, 2026May 2, 202612 min read

I remember standing in a half-submerged basement in Surrey back in ’94, the smell of damp drywall and burnt electrical …

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How health and safety duties affect liability.
Risk

Safety Breaches Become Liability Claims

Gerald Ntumba-Whitlock April 28, 2026April 28, 202612 min read

I remember standing in a half-flooded warehouse in ’94, the smell of damp drywall and electrical ozone thick in the …

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Understanding how key person risk is covered.
Risk

The One Person Everything Depends on

Gerald Ntumba-WhitlockUpdated on August 20, 2026April 16, 202612 min read

I remember sitting in a cramped, overheated boardroom ten years ago, watching a frantic CEO realize that his “comprehensive” business …

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How supply chain risk is assessed map.
Risk

Mapping Your Single Points of Failure

Gerald Ntumba-WhitlockUpdated on August 20, 2026April 9, 202612 min read

I remember standing in a partially collapsed warehouse in the Midlands back in ’94, smelling the damp rot and the …

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How to test a continuity plan tabletop.
Risk

Running a Tabletop Exercise

Gerald Ntumba-Whitlock April 6, 2026April 6, 202612 min read

I remember standing in a flooded warehouse back in ’98, the smell of stagnant water and ruined drywall thick in …

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