Autumn Risk Guide 2024
Autumn has arrived. The nights are drawing in, and the leaves are changing colour and starting to fall.
GUIDANCE DOCUMENTS - PROPERTY OWNER
Autumn Risk Guide 2023
Clocks going back, evenings drawing in, collars pulled up. It can only mean one thing – autumn is here.
Contract Works
Where the Insured and/or Lessor has entered into a JCT (Joint Contracts Tribunal) Contract or similar with regard to the extension alteration...
D&O Liability
Directors and Officers Liability Insurance cover protects Directors and Officers against claims arising from decisions and actions taken...
Employers' Liability
In the UK all employers, other than a few specified public bodies and, since 2004, sole traders, are required by law to take out...
Engineering Insurance
In simple terms, engineering cover consists of one or both of the following elements: Insurance of the plant against mechanical breakdown...
Key Exceptions
Key exceptions and limitations to a property owners wording. The first part of any claim (your policy excess). Escape of water from tanks...
Loss of Rent
Loss of rent and alternative accommodation - The policy coverage varies depending on the type of property insured.
Material Damage
Cover includes loss or damage arising from: fire, lightning, earthquake, explosion, aircraft, riot, civil commotion, strikers, locked-out workers...
Property Maintenance Guide
Embracing proactive measures in your property maintenance, particularly during the colder months, can help lower the odds of making...
Property Owners' Insurance
Property Owners insurance is a product designed to cover commercial property. The term ‘Commercial Property’ in this context...
Property Owners' Liability
Protection against legal liability for personal injury to third parties (other than employees) and loss or damage to their property...
Spring Risk Guide
As we embrace lighter evenings and the advent of warmer weather, the risks that we face change. Thinking about these, assessing the...
Summer Risk Guide
Summer conjures up feelings of long, lazy days, when life slows a little. Although this is true, there are some risks associated with summer...
Terrorism Insurance
Currently all UK policies incorporate a “total exclusion” for loss or damage caused by terrorism. If the client decides to purchase the...
Winter Risk Guide 2024
The effects of very cold weather on properties warrant serious consideration. Adverse weather conditions including heavy snowfall....
Winter Risk Guide 2023
Christmas jumpers, dark at 4pm, January sales in December... it must be winter. Winter is a season that often brings with it...
GUIDANCE DOCUMENTS - RISK
Adverse Weather Precautions
Weather extremes are becoming more common. Adverse weather such as heavy rain, flooding, snow, freezing conditions and drought – can be...
Arson Precautions
Arson has been a blight on local communities for a considerable time having in the main an economic loss to people, businesses...
Building Maintenance
Buildings that are not maintained regularly will deteriorate in condition resulting in an increased risk of damage, insurance loss...
Building Safety Regulator
It is a legal requirement under the Building Safety Act 2022 for all high-rise residential buildings 18 metres tall or higher, or at least...
Claims Defensibility
Claims Defensibility offers a framework on how to defend claims bought against you, and your organisation, and it should play an integral...
Cold Weather Precautions
Weather extremes are becoming more common. Adverse weather such as snow and sub-zero temperatures can be a major hazard to all...
Customer Visitor Safety
All businesses come into contact with members of the public at some point in their business operation. They may be customers, passers-by...
Directors & Officers
Directors of a Company can have claims made against them personally (for alleged wrongful acts that they commit in their capacity as...
Environmental Emergencies
Most industrial and commercial sites have the potential to cause significant environmental damage. Where normal controls fail, this...
Escape of Water Residential
Escape of water in residential properties and blocks of apartments is a continual problem, that can be exacerbated if there is no means...
Fire Safety Act
The Fire Safety Act 2021 received Royal Assent on 29th April 2021 and came into force on 16th May 2022.
Fire Safety - Fire Risk Assessment
Following changes in legislation in 2005, if you own, manage or operate a business, you need to comply with fire safety law, specifically the...
Fixed Electrical Installations
One of the most common causes of fire in the workplace is the failure of fixed electrical installations. Serious injury or fatality can...
Flood Continuity Management
Flood events are increasing in the UK. Since 1998 there has been at least one serious flood every year and you only have to look back at the...
Heating Precautions
A potential cause of fire in the workplace stems from the heating system. Fire can be caused by heating that is either inappropriate for the...
Property Maintenance Guide
Embracing proactive measures in your property maintenance, particularly during the colder months, can help lower the odds of making ...
Security Risk Management
When planning security for any commercial premises, consideration should be given to securing the external areas of the site first...
Vacant Premises Precautions
The incidence of fire (mainly arson), theft and malicious damage in vacant premises continues to rise dramatically. Vacant premises that are...
FREQUENTLY ASKED QUESTIONS
We find that we are often asked the same questions in regards to insurance. Please visit our FAQs page, where you will find some of the most common questions we are asked. If they do not answer your question, then please get in touch.