Insurance claim departments are taking a hard nosed approach – make sure you're covered I recently heard about three businesses who have been robbed of £250,000 assets and their company insurance is not paying out. Today, I heard about another case of a business...
Fire Insurance
Want to secure cashflow despite bad luck?
Fire risk assessments are not exactly high on the list of priorities for everyone. Some small businesses might think fire evacuation procedures are not important. So spare a thought for the business owner in Scotland who didn’t think a fire would ever affect his...
Health & Safety Inspections – coming soon?
On the spot fines following these inspections have been increased to £20,000. Find out if your business is at risk and review our 7 free top tips on Health and Safety on our Top Tips page. There are three reasons why you may hear from the health & safety "police". All...
Landlords gas safety certificates – how to choose the right contractor
A plumbing and heating engineer has recently been jailed for carrying out gas work whilst not being registered. He had used another engineer's registration after he was served with a prohibition notice. His work left innocent households with heating systems without...
What happens if your neighbour has a fire that affects your business or your home?
Is your business or home close enough to be affected by problems next door? Have you assumed that you will be covered by your neighbours insurance? If you do, you may get a nasty shock, as insurance works best when you cover yourself. Especially if your neighbour...
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Worried about subsidence? Why your Insurance Broker matters
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...
Why do you need an insurance broker?
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...
How We Streamlined a Water Damage Insurance Claim
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...
Blown Away: A Real Example of Why Insurance Matters
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 Work Phone Gets Stolen
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...
