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Proactive Risk Management

Proactive Risk Management

   Imagine this... An employee is texting you morning, noon, and night asking for £thousands — “My wife says you have to pay.” “When are you going to pay?” “Send me the money.” You feel backed into a corner, pressured, and over a barrel.  Sounds stressful? Thanks to...

Why are insurers not paying covid claims?

Why are insurers not paying covid claims?

We've had a lot of clients trying to claim for covid and we've seen insurers try lots of tactics to wriggle out of paying covid claims. So what tactics are insurers using when trying to avoid paying?   The general “we can’t afford it” fell on deaf ears  ...

Insurers don’t pay out? Who propagates the myth?

Insurers don’t pay out? Who propagates the myth?

This blog is about the lengths some insurers go to, to avoid paying out. We discuss what the industry are now doing about it and how you can avoid it happening to you or someone you know. You may have heard that some insurers, including the one I once thought, yet now...

Contracts, Consultants and indemnity‏

"Jason really was amazing, he managed to find insurance cover for me as a consultant valuation surveyor when no one else could. He kept me informed of progress continually. I would thoroughly recommend him.” — Robin Smith, FRICS Getting your contracts in order Robin...

No-one will sue me or blame me

Business is easier to do when people are getting on yet it pays to keep everyone happy when relationships start to falter. This article is about money, the fact that it talks when opinions differ and why it is a foreign language for some. Welcome back, or if you're...

Your Data is a Commodity – Your Privacy is not

This article is about car insurance, not that I can help with your car. It's to do with the commoditisation of car insurance because of the thirst for our data, why insurance companies are slowly waking up to its pitfalls and 2 things you can do about it whilst they...

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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...