Is your broker right for you? Your broker has to treat you fairly by law. Their loyalty should lie with you and not with the insurance companies. They should be transparent and fair in their dealings with you, but we find this isn't always the case. Here are some...
When the going gets tough, everybody gets the blame. This article is about how recessions bring increases in claims, why this happens and why insurers are always well prepared. Welcome back, or if you're new here sign up to our RSS feed to receive insurance tips, new...
A few of our property owning clients seemed confused when I advised them that we handle all their claims personally. Their previous suppliers had been settling claims on behalf of the insurance company. This article highlights how not all insurance suppliers are the...
Accountants indemnity changes 1st September I thought you might be interested to hear about the new rules for accountant's professional indemnity. Here I explain why it's important to make an early report of claim circumstances, where problems with timing could occur...
Have you contributed to Madoff's legal defence costs? Not all insurance disputes should be won by the insured, especially if they are fraudulent. Usually I'm furious when I hear that an insurance claim has been declined. This time I was pleased; Lloyd's of London...
Professional advisers are not always protected by their insurance Want to know why some indemnity insurance claims are declined? I have two examples of claims being declined, one more extreme than the other, yet both prove small errors can prove costly. And I'm going...
We were contacted by one of our property-owning clients who was dealing with water leaks in the underfloor heating pipes in one of his tenanted flats. His tenant had moved out because of all the disruption. And our client was obliged to give a substantial £500 rent...
As a business owner, you already have enough on your plate. Between managing staff, serving customers, and planning for growth, insurance can often feel like just another task on an ever-growing to-do list. Many businesses buy insurance simply because they know they...
Water damage in rented properties can quickly become stressful for landlords, especially when multiple parties, timelines, and repair works need to be coordinated. In this case, our Claims Manager, Lisa, supported a landlord through a water damage escape incident...
Imagine investing in a stunning, high-end outdoor kitchen—only to have it destroyed overnight by a storm. Not through any fault of your own, but because a neighbour’s tree came crashing down on it. This was exactly the situation one of our clients faced. And it’s a...
When a Stolen Phone Doesn’t Mean Interruption to your Business Losing a work phone can feel like a small disaster—especially when it contains important contacts, emails, and access to business systems. For one of our clients, this became a reality when an employee’s...
