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...
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Customer Service – Where did it all go wrong?
I recently read an article in a newsletter from marketing expert Dave Croydon, Hilltop Consultancy. David was voicing his concern that automated telephone systems were of little benefit to customers, going as far as to call them a "customer disservice". The article...
What is cyber insurance?
Twitter has experienced problems this week. Could it happen to you? What happens when your website is hacked or your e-commerce platforms compromised? Does your theft or loss of income insurance kick in? The answer is that all three are unlikely yet there is something...
Have you got All Risks insurance?
The insurance definition of unattended items is a tricky one. Believe it or not this case history was made in the 1960’s when a sales rep left his car in a layby on A road. Then watched with disbelief as his car was driven off and his samples were stolen. The judge...
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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Don’t Let Missed Calls Become Missed Opportunities
Don't Let Missed Calls Become Missed Opportunities In the ever-evolving world of insurance underwriting, particularly in high-risk markets, opportunities can appear and disappear faster than you think. With only a handful of underwriters and insurance companies...
Service Levels of Insurers
Service Levels of Insurers - The Reality Customers Face Poor insurer service levels have become a common issue across the industry. One of the most frequent scenarios clients experience is when something breaks — such as a security alarm — and the insurer simply...
Why Professional Indemnity Insurance Protects Your Business
Why Professional Indemnity Insurance Matters More Than You Think Claims are something we deal with every single day. With years of experience handling all types of claims, we’ve seen firsthand how Professional Indemnity Insurance (PII) can make or break a business...
Why Contacting Your Insurance Broker Immediately Can Save You Time, Money, and Headaches
When we start working with a new client, we always stress one thing: contact us immediately if you experience any incident or situation that could potentially lead to an insurance claim. This is not just a suggestion—it’s crucial for protecting your interests and...
When Premiums Go Up Unjustly
Insurance Premiums: When the Increase Isn’t Justified Insurance premiums do rise from time to time—but there should always be a clear, valid reason. Unfortunately, too often we see insurers increasing costs without explanation, sneaking in new endorsements, or simply...
