Blog

Landlord fined almost £25,000 for failing his Tenants

December 9, 2014 HMO Property Insurance

Paul Davies of Tamworth road, kettle brook, pleaded guilty to eleven charges of breaching regulations in place regarding owning and maintaining an HMO (house of multiple occupation) property on the 14th October 2014, these charges included; not keeping a fire escape route in good repair, failing to keep a fire escape clear from obstruction, failure to provide gas and electrical certificates and not maintaining common parts in safe and acceptable repair. These charges were brought to light after he had failed to comply with an improvement notice for the common areas of the block of flats; as a result of this he has now been fined £24,541. Read More

Landlord and Letting agent fined over HMO disrepair

December 2, 2014 HMO Property Insurance

A Landlord and lettings agency who have failed to undergo a range of repairs to a damp and leaky property in the Haringey area have now been fined following legal action taken by Haringey council.

Dilip Palmer of Alexander road, Wood green the controlling landlord and management company Easy Properties London Limited, based in Turnpike Parade Green lane had been ordered to pay out £3,435.55 with the company being ordered to make a payment of the same sum for not carrying out the necessary work to the Beresford Road property. Read More

Landlords needing buildings insurance for Student Lets

November 24, 2014 HMO Property Insurance

Being a landlord with a property within the vicinity of a collage or a university can be a real gold mine, and makes sense to utilise the space available, by letting the property as a HMO, bedsits or as a multi-tenancy agreement.

The problem often faced with the arrangement of buildings insurance for student lets is that insurers do not often reward your prudence, and premiums can often be costly or many insurers often decline – however, we love Student lets and can accommodate all risk types from basic to non-standard and niche. Read More

Scaffolders Liability for Sole Trader

November 17, 2014 Public Liability Insurance

Starting your own business as a scaffold erector or scaffold contractor is more strenuous and expensive than other trades.

Aside from building up clientele, and future projects – you first need to acquire the actual scaffold poles, brackets, planks etc. which in itself can be a large out lay, whereas your standard trade will only need to really acquire the tools to work then off they go – but with a scaffold erector you need to acquire the plant… then somewhere to store the plant when not in use, then a vehicle big enough to move the scaffold tubes to site – all more costly than your average trade. Read More

Public Liability insurance for tradesmen

November 13, 2014 Public Liability Insurance

Sourcing public liability for some trades can be extremely difficult, with many mainstream providers they only accommodate a certain amount of trades, so anything involving particular high risk goes through the whole process of taking details, only to be met with a “decline” or “no quote” – so when going through the ordeal of looking for alternative quotations, how do you really know you’re contacting a provider that can meet all your needs and requirements? Read More

Roofer Liability Insurance for Sole Trader

November 10, 2014 Public Liability Insurance

Getting the right annual premium for your Public Liability as a roofer can be somewhat of a challenge. Unless you do the right research, you could be spending hours on the phone or internet running through forms, only to receive astronomic quotations or declines – that’s why for a trade such as Roofing Contractors, it is imperative for your own well-being that you approach a broker to source terms for you. Read More

Insurance for a New Business

November 4, 2014 Public Liability Insurance

Starting up your own business can be an enthralling ordeal, with your dreams unraveling day by day, and to do list longer than the eye can see.

Working down the agenda you’ll eventually get to “INSURANCE” – now it can be easily understandable if you’re an insurance novice, and not sure what products you need to take out. Read More

Public Liability Insurance for a Roofer

October 29, 2014 Public Liability Insurance

At Goldcrest we have excellent rates for liability insurance for roofers.

Yes of course it is a high risk trade and yes there are many claims that do take place which result in large sums being paid out … but there are plenty of roofers out there who have been trading claim free for many years, run extremely professional outfits and have good Health and Safety policies in place. Read More

Insurance for Sex Shop Retailers

October 23, 2014 Commerical Property Insurance

It’s a strange boat to be in that just because your area of business is more mature and reclusive than that of your high street peers; it can be an almighty chore to find competitive shop insurance for your adult/sex shop. Luckily through the wonders of the internet you’ve landed here, and we can help you with the aforementioned problem.

We’ve been insuring SME products such as shops and offices for well over 30 years, for all trades and occupations for all businesses shapes and sizes, and Adult retailing is no different. Read More

Non-negligent Liability Insurance

October 21, 2014 Commercial Insurance

Many clients are today asking for non-negligent-Liability Insurance or JCT Clause 21.2.1. and similar insurance.

So what does non-negligent Liability insurance cover?

OK, lets put it into prospective with a large build like a block of flats. Before this build took place there would have be groundwork’s taking place as part of a building contract. The main builder would have in place a contractors insurance to cover all the works either undertaken by their employee or by a sub-contractor. Read More