Blog

Where do you insure HMO properties?

April 8, 2015 HMO Property Insurance

Have rental properties is a good substitute for a pension, in most cases it can be more fruitful also, if run well. A popular trend is rather than let the property to one tenant, is to instead let to multiple tenants, in other words, set the property up as a HMO.

Insuring a HMO is not as easy or straight forward as insuring a standard let property – most insurers do not like the additional tenant exposure and the increased fire risk; so you’ll need to contact a specialist intermediary who can broker the policies for you. Read More

Contract Caterers Insurance

March 30, 2015 Commercial Insurance

For the smaller contract caterer we can supply a good little package to get you started. The last thing you need when you start of or are a fledgling business are cost which eat (excuse the pun) into your profit. The package we offer is suited for businesses from 5k – 25k turnover to 250k turnover. One of the most common questions we get asked is, does your polices cover food poisoning. The answer 100%, this is picked up under your products liability section which gives you cover up to 5
million pounds. Read More

Insurance for Scaffolders

March 25, 2015 High Risk Liability Insurance

High risk public liability insurance is what we specialise in. One specific trade in the high risk sector we find our rates are extremely competitive is insurance for scaffolders.

Commercial Scaffolding or Residential Scaffolding makes no difference and we can tailor make policies so there are no endorsements on such things as height restrictions. Commercial Scaffolders need to be able to work at extreme heights and we can provide this cover with the panel of insurers we work alongside. Read More

Waste & Recycling Insurance

March 23, 2015 Commercial Insurance

You may find it extremely difficult to obtain competitive insurance premiums for your waste or recycling business, with almost all insurers in the UK withdrawing from the Recycling sector, so finding a provider that can obtain any sort of quotation can be invaluable.

But why be complacent in just finding a provider who can only source terms, why not find an insurance broker who can not only source terms for your Waste & Recycling company, but can tender and ensure you have the most competitive insurance terms available to you. Read More

Public Liability Insurance for Night Clubs

March 20, 2015 Public Liability Insurance

If you own a night club with limited stock, contents and fixtures and fittings, you may think it’s financially beneficial for insurance purposes to only cover the Public Liability aspect of the night club – unfortunately it is extremely difficult to acquire Public Liability for Night Clubs in isolation. To get cover for your premises the easiest way to acquire this, believe it or not, is to also insure all your stock, contents etc. by taking out a nightclub package policy. Read More

Public Liability for Scrap Metal Dealers

March 12, 2015 Public Liability Insurance

Making yourself a reputable and trusted Scrap metal merchant you’ll obviously need to go through the process of obtaining your licence to trade, and then of course arrange your public liability insurance. These two things can really set you aside from the competition.

Sorting out the public liability for your scrap metal business is all very well said and done, but it can come at hefty premium if you don’t look in the right places. You’ll need to approach an insurance broker able to assist your needs. Read More

Public Liability for Roofers that use Heat

March 9, 2015 High Risk Liability Insurance

There are a lot of large premiums out there for Roofing contractors that use heat within their trade – many existing contractors are shrewd and tie the Public Liability expenditure within their costings, but wouldn’t it be nice not to pay through the teeth every year for your Liability policies?

As for new ventures and start-ups within Roofing it can feel daunting having to conjure up thousands before you’ve even climbed a ladder (or scaffolding) – however breathe a little easier, you’re on the right website to help you calm those nerves. Read More

Let Property insurance with subsidence history

March 5, 2015 Property Owners

Finding affordable insurance for your let property that has had historic subsidence issues can be quite an ordeal – the tending process can be lengthy if you do not approach the right markets initially but even more so if you do not know the who, what and where the “right” markets are. Read More

HMO Insurance for Properties Let to Students

February 25, 2015 HMO Property Insurance

Student let buildings insurance is a needle in a haystack when trying to find good quotes. We have been insuring HMO’s for over 20 years now and have all the providers to make insurance a lot more affordable. Students are usually rated as double the risk when compared to Professional tenants in the HMO insurance market. They have parties, go out get drunk, come home leave ovens on, or go out and leave portable radiators on for days at a time, smoking in rooms and cigarette butts falling on the floor, the list goes on. Students are grown up kids who are letting lose for the first time, so anything could happen. Read More

Contractors All Risk Insurance for Tradesmen

February 17, 2015 Commercial Insurance

A lot of tradesmen look at contractors all risk insurance as a real burden, purely due to the fact that it is more money coming out of there pocket for something they think they do not need. If you are reading this it is more than likely that someone has tipped you off about this sort of cover and that you do need to protect your company a bit more than what you think you did. Contractors all risk insurance covers you for your contract / cost of contract / public liability employer’s liability/ own plant / hired in plant, hired in plant charges / employees tools / site huts etc. Read More