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One of the biggest questions that any business owner will need to consider is whether or not to take out any public liability insurance. Unlike some other forms of business insurance, public liability cover isn’t a legal obligation in the UK so it’s up to the business owner as to whether they take out a policy or not. Read More

If you or your business has multiple vehicles, then it’s in your best interests to ensure that they’re fully covered and insured against any incidents on the roads. While the usual route is to protect each vehicle individually, it makes a lot more sense to cover the entire fleet, rather than getting insurance for each and every car or truck. It saves time, money, and is better for your business, since it means any driver can drive any vehicle, and still be covered. To see how Goldcrest can help with your Fleet insurance further information can be found here Read More

Many lenders are now asking for Contract works insurance when lending money, so the developer has full control of the insurance for the development they are working on.

So what are all of these insurances involved in property development insurance and how does it all work? Read More

Whether you’re a prospective investor looking to enter the property market for the first time or you’re an experienced developer or landlord eager to boost your revenue, there’s no doubt that HMO investing is a term that you will have encountered during the research phases. The big question is whether this type of investment is still a productive one; the short answer is yes! Read More

So why come to Goldcrest Insurance for your property developer’s insurance?

The answer is simple, you should use us because we know what we are doing when it comes to insuring in the Construction sector. We are Construction insurance experts and have years of expertise when handling insurance for Contractors and Developers. Read More

This phrase is becoming more common nowadays with Lenders becoming much more careful on how they protect the money they are lending. Due to this they require their clients when doing a build to take out contract works insurance to cover the contract.

Contract Works insurance can either be taken out solely by the developer if he is going to be in charge of project managing the build, or in joint names between the developer and the building contractor. Read More

Cyber Insurance may not be top of your list of insurances, but with 5 of our clients being hit in the last 12 months and with losses exceeding 100k, I thought I would go back over CYBER Insurance and how it can protect your business.

Firstly, do you have use an IT company who are your 1st line of defence for cyber-attacks? If you do, great, as your IT company will put in place Firewalls, Anti-Virus, Gate Way screening and End user education etc. If you don’t get one!
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As you may know from April 1st 2018 the Government announced it had extended the licensing of HMOs to include all properties that has 5 or more people in two or more households, as opposed to previously where this only related to properties that were more than three storeys tall. Read More

We recently received a call from a management company to arrange a property portfolio insurance for one of their clients.

With a substantial property portfolio, it can be difficult to manage the insurance cover for each of your properties especially when the portfolio manager has insured them individually, with each property having a slightly different renewal date. Read More

Most people will have contents insurance, whether it is included as part of a building and contents policy or standalone. Many of them, however, have not considered whether the coverage provided is sufficient to replace all their home contents nor are they aware of any exclusions for certain items. If you own specific items of value, they may not be covered under a standard home contents insurance policy, or the total insurance coverage may not be enough to replace these items on top of the rest of your contents. Read More