Many landlords are turning to HMO properties nowadays in order to maximize their return on their buy to let investments.
The reason is that many bog standard semi-detached properties you can turn into a 5 bed HMO with minimal fuss. This therefore means that instead of getting just one rental for the property you get 5 !!! Read More
Getting professional indemnity for your new accountancy firm is vital for you in order to actively trade, but it tends to be one of those tasks that gets left to last minute and turns into a mad rush to obtain the policy you require!
Standard procedure is to fill out a proposer form provided by the broker, then wait for terms/a quotation to be sent to you by return – but what happens when you’re still waiting, and waiting. If you’re in the boat, like many others (don’t worry!) where you have left it till late to get your professional indemnity, time becomes of the essence and if that’s been additionally consumed on waiting it can leave you hot under the collar. Read More
Many providers out there claim to offer you the earth when it comes to insuring your properties – “we’ll match or better any rate” often gets branded about, this all sounds well and good until you take them up on your offer, get to the quotation stage and find out that because your property falls outside their “normal” requirements/criteria, this offer is not applicable to you, wasting your time and energy! Read More
Unoccupied commercial property can often be a shrewd investment opportunity to either refurbish for sale or let, or in most cases to convert into residential.
We can accommodate both of these scenarios; so once you obtain the relevant planning permissions, you’ll need to speak to us (hopefully) about insuring the property. Read More
If you’re a landlord with properties near universities or colleges to which you let to students, you are going to be looking for an insurance broker that specialises in landlords insurance for student lets.
In most cases Student lets are set up on a house of multiple occupation basis (HMO) so you’re going to need a policy which caters to multi-tenancy, and are you sure your current policy does? Read More
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
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
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
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
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
All our quotes are tailored to your specific needs. Speak to one of our brokers today.
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