Category: Commercial Insurance

Insurance is a vital aspect of running a successful hospitality business, as it helps protect against various risks and unforeseen events that could otherwise result in significant financial losses. Hotel and guest house owners face a range of risks, including property damage, liability claims, and business interruptions. To mitigate these risks, it’s essential to have appropriate insurance coverage in place. Read More

Seeing into the future is always going to be tricky, and that is why we need insurance. But insurance prices can very often vary, and there are a lot of different factors that can bring about changes to rates.

Some of the factors that will affect your insurance premium will obviously relate to your own circumstances. If there has been a recent claim, or if there is an increased risk involved, then it is natural that your insurance will end up costing you more. Similarly, if there are changes that minimise risk, then these may lower your premium. Read More

Product Liability Insurance protects those company’s that make, design or sell products on either a business to business or business to consumer basis. Whilst this type of insurance isn’t a legal requirement it is one that you might want to consider. Read More

This week again has seen a large increase in the amount of companies we have put on cover for scrap metal and waste insurance.

We have had a couple of different styles of risk this week. 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

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

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

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

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

If you operate from a warehouse there is a good chance that you are going to require insurance to cover all the stock and contents kept within your premises.

Being a retailer or a wholesaler your income is totally dependent on ensuring that those goods in your possession be kept as safe as possible, as any loss results in loss of income – so how do you ensure the safety of your goods? By having the correct and comprehensive insurance in place, of course! Read More