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Which insurance premiums are set to rise? Which are to fall?

Insurance Age, an industry magazine, asked insurance professionals their opinion over changes in insurance premiums. The article recognises that policies where there is a real public or employers liability risk, premiums are rising. Peter Lycett-Williams Operations Director, questions whether insurers are targeting property owners and shifting slightly away...

Ghost Brokers – how to avoid unauthorised Insurance Brokers

We all know that buying a laptop from some bloke in a pub car park means there’s a fair chance it has a dodgy background. But did you know there’s an insurance equivalent? Ghost brokering means the sale of fraudulent motor insurance policies by advisors...

How to avoid Underinsurance… Topic 1: Subsidence

How would your business cope if you had to vacate your property during major renovation works involving subsidence? Here is a short article about the potential risks provided by insurer NIG, http://www.nig.com/news-and-views/2017/a-closer-look-at-subsidence/ Key Points If you are a tenant, ensure your landlord has this cover. If you are...

Decisions, Decisions. Where do you stand in chilly weather?

As a country, the UK does get a lot of stick for seemingly coming to a standstill in any kind of weather that coasts close to the extreme, and snow is the perfect example. In other countries where six feet of the white stuff is a...

The Joint Code of Practice

Code Objectives: Each year, fires on construction sites and buildings happen and need to go under refurbishment. Fires have consequences such as people killed, injured and even historical interests can be damaged and destroyed. Not only are historical interests damaged, but also plant and equipment are...

Timber Frame Buildings and Fires!

This article is based on incidents within Newcastle, Peckham, East London, Camberwell and Basingstoke. All these timber fires has led to a position statement by CFOA which reads: “In light of the recent significant fires involving large timber framed buildings under construction including Peckham, Camberwell and Basingstoke...

Construction Site Fire Emergency Procedures

On all construction sites, workers must be given a warning of fire: (image shows typical fire action notice) Certain sites might need a temporary hard-wired linked system which can be operated from callpoints, this depends on their size and nature. These may be handbells, whistles, claxons...

Prevent Fires On Construction Sites

All sites and buildings which are currently under construction are vulnerable to fires. These can happen regardless the simplicity or complexity of the project. Fires destroy equipment, cost money and can even delay or bring a project to a complete halt. More importantly, fires can...

6 ways that SMEs can be innovative

Small and medium-sized businesses have an advantage when it’s time to adapt to new technology. It can help companies to grow and maintain a skill or coherent workforce. Here are some examples of innovative things you can try; Gamification – for motivation The Pokémon GO craze...

Is your quote like for like…?

On many occasions we find ourselves offering a quotation to a client who has engaged with another broker.   The need to disclose all ‘material facts’ is becoming a hot topic within the insurance industry as the Insurance Act of 2015 is coming into force during August.   This...