A vacant unit suffers a burst pipe over a winter weekend. Water damages the building, neighbouring premises are affected and a tenant cannot trade when they were due to move in. This is the kind of event that makes property owners’ insurance far more than a standard policy purchase. For commercial landlords and businesses with […]
Property Owners Insurance for Commercial Buildings Read More »
A burst pipe can halt production overnight. A cyber incident can lock staff out of essential systems. A customer injury allegation can arrive months after the event itself. Knowing how to make a commercial insurance claim before any of these situations arise can protect cash flow, reduce disruption and give your business the best chance of a
How to Make a Commercial Insurance Claim Read More »
A major insurance claim can affect far more than damaged property or a financial loss. It can interrupt operations, delay customer orders, place pressure on cash flow and take valuable time away from running the business. While insurance is there to provide financial protection, the way a business responds in the hours and days after
Helping Your Business Recover After a Major Insurance Claim Read More »
A recall rarely starts with a dramatic announcement. More often, it begins with a failed quality check, a customer complaint, a supplier notification or a test result that raises concerns about a product already in circulation. The challenge is that once a potential issue has been identified, the costs can extend far beyond the value
When Should a Business Consider Product Recall Insurance? Read More »
A business can grow steadily for years while its insurance barely changes at all. New services are introduced, turnover increases, contracts become larger and operations expand into new locations, yet the insurance programme often remains based on what the business looked like several years earlier. That is where problems begin. Many Small and Medium-sized Enterprises
Common Insurance Gaps SMEs Often Miss Read More »
A director signs off a hiring decision, approves a new supplier, or responds to a shareholder complaint. Months later, that routine business judgment is being questioned. This is where management liability insurance for directors matters. It is designed to protect the people making decisions at the top of a business when those decisions lead to
Management Liability Insurance for Directors Read More »
A single unpaid invoice can do more damage than many business owners expect. The immediate issue is lost income, but the wider problem is pressure on cash flow, payroll, supplier payments and borrowing. That is why insurance for unpaid invoices is worth serious consideration for businesses that trade on credit terms. For some firms, late
Insurance for Unpaid Invoices Explained Read More »
Customer insolvency is one of the most disruptive risks facing businesses that trade on credit. When a client fails, the financial consequences can extend far beyond a single unpaid invoice, placing strain on cash flow, supplier relationships and future investment plans. For businesses operating in volatile economic conditions, managing insolvency exposure is no longer a
Managing Customer Insolvency Risk in Uncertain Markets Read More »
Lithium-ion batteries have become indispensable to modern technology, powering everything from mobile phones and laptops to electric vehicles. Despite their efficiency and widespread use, these batteries pose significant risks, particularly fire hazards. The London Fire Brigade has stated that the fastest-growing risk in the capital is [lithium battery-powered] e-bikes and e-scooters. As reported by the
Lithium Battery Fires: A Growing Concern Read More »
This week we are focusing on the welcome, and very overdue, changes to whiplash claims settlements. What has happened? The provisions within the Civil Liability Act relating to whiplash claims have now come in to effect from the 1st June. In brief, the Act has introduced a new tariff of set amounts for compensation for
Whiplash Claims – They effect us all! Read More »
The NHS now has more than 4.6 million people on waiting-lists for surgery and 300,000 people have been on hold for more than 12 months. * We are all proud of the NHS, especially after the fantastic vaccine roll-out, and whilst it continues to provide the majority of healthcare to the nation particularly emergency and
Private Medical Insurance – How long will you wait to see a specialist? Read More »
Product recall insurance is a worrying prospect for any producer(especially those using contract manufacturers outside the UK) of goods, threatening both financial loss and damage to a company’s brand and reputation. Products catered for can range from food & beverages, nutraceuticals, medical devices through to consumer products and even automotive parts and everything in-between. Cover
Product Recall Insurance – You don’t hold the cover but should you? Read More »
Over 40 changes to the Highway Code, including updates to existing rules as well as the addition of new text, came into effect from 29 January*. Whilst these changes are relevant to all road users, it’s important that our commercial motor clients are aware of these changes and communicate them effectively to their drivers. Aviva
Changes to the Highway Code – what’s changing and what does this mean? Read More »
