NEWS
Employee Injured at Work: Who May Be Liable
A workplace injury doesn’t automatically make an employer liable. If you’re asking who may be liable when an employee is injured at work, it depends…
Pros and cons of using an insurance broker for cost and support
Using a broker can make it easier to find suitable insurance, but it doesn’t guarantee the lowest premium. The pros and cons of using an insurance…
Statement of Fact for Insurance: What It Means and Why It Matters
A Statement of Fact for insurance is a record of key information about you or your business and the risk being insured. To understand what a…
Plant and Machinery Insurance for UK Businesses
Plant and machinery insurance in the UK can protect owned or hired equipment against insured events such as theft, fire and accidental damage….
Insuring a Business in a High-Crime Area: Optional Cover
Insuring a business in a high crime area may involve adding commercial crime insurance for losses caused by employee dishonesty or certain forms of…
Bakery insurance for staff, customers and stock
A single accident or insured event can put more than a day’s baking at risk. Bakery insurance can help protect your business against claims involving…
How to Reduce Fleet Insurance Costs With Risk Controls
To understand how to reduce fleet insurance costs, focus first on preventing claims and limiting their severity. Lower claims costs per vehicle can…
Working from home insurance: when to tell your insurer
Using a laptop at the kitchen table usually creates a different insurance risk from running a business at home. If you’re asking whether you need to…
Insurance implications of subletting for landlords and tenants
A spare room can change more than who pays the rent. Subletting is when a tenant lets all or part of a rented home to someone else. In the UK private…
Insuring Customer Vehicles at Your Garage
Customer vehicles need protection beyond the work being carried out on them. A UK MOT garage or service centre must have at least Third Party Only…
How rent insurance, deposits and legal cover protect landlords
A tenancy dispute can mean more than unpaid rent: property damage or a liability claim may bring additional costs. Rent protection insurance can help…
Does landlord insurance cover tenant abandonment? Understand the limits
A tenant leaving suddenly doesn’t automatically mean landlord insurance will cover the resulting loss. Whether landlord insurance covers tenant…
Ransomware attack insurance coverage for business losses
Ransomware attack insurance coverage can help a UK business meet costs after an incident, including business interruption, data and system recovery,…
Landlord responsibilities for tenant safety: what’s covered
Landlord responsibilities for tenant safety start with keeping the property and supplied equipment safe. According to the UK Government, electrical…
Fire safety requirements for landlord insurance UK: landlord duties
Fire safety duties don’t stop at fitting an alarm. In England, landlords must install at least one working smoke alarm on every floor and carbon…
Does No Gas Safety Certificate Invalidate Landlord Insurance?
Whether having no gas safety certificate invalidates landlord insurance depends on the policy wording. Most landlord policies require a valid…
Hot Works Insurance Endorsements for Roofers: Costs and Terms
For roofers, hot works include tasks that use an open flame or apply heat or friction locally, such as torching roof coverings, welding, soldering,…
Can an insurance broker save me money on insurance?
Yes, an insurance broker can save you money by comparing suitable policies and, in some cases, accessing rates not offered directly to customers….
How do insurance brokers get paid in the UK? Fees and commission
An insurance broker’s pay usually comes from commission included in the premium, a fee charged to the customer, or both. In the UK, brokers commonly…
Benefits of an Independent Insurance Broker for UK Businesses
If a business insurance quote is cheaper, does that make it the better fit? Not necessarily. The benefits of an independent insurance broker can…
SafeContractor Insurance Requirements: A UK Contractor’s Buying Guide
A SafeContractor certificate can support a tender, but it doesn’t automatically satisfy every client’s insurance checks. The SafeContractor insurance…
How to Prove Loss of Income for a Business Interruption Claim
What if your income fell after a business interruption, but the insurer needs to know which part of that shortfall the event caused? If you’re asking…
Denial of Access Insurance Cover: What UK Businesses Need to Know in 2026
A closure doesn’t automatically mean your insurer will cover lost income. Denial of access insurance cover usually depends on a specific event and…
Professional Indemnity Retroactive Date Explained: A UK Business Guide
Could a claim made today relate to work your current policy won’t cover? That’s why having your professional indemnity retroactive date explained…
