Category Archives: Insurance & Risk Management

How secure is your electronic marketplace?

Your computer system may be secure, but how much do you rely on a Third Party customer or a supplier’s platform for your orders to be placed and then passed to you for processing? Businesses are dealing more and more with e-commerce companies that place orders on behalf of their customers for the purchase of […]

Here today, gone tomorrow?

The quality and security of insurers is a hot topic currently in the insurance world. In recent years we have seen both Gable and Enterprise leave the UK market leaving a trail of destruction behind them. When an insurer goes into liquidation not only do policy holders potentially lose the policy which they’ve paid for […]

Third Party, Fire & Theft – Exactly what it says on the tin!

Yes, this cover will make your premium cheaper and yes, it is possible this cover may be adequate for you. But are you leaving yourself more exposed than you know? Your cover choice is not something that should be decided on a whim. Whether it’s commercial Motor Trade, Fleet or Private Car insurance we all […]

Motor Insurance Premiums: the reasons behind the increases

Motor Insurance premiums continuously rise but do you know the reasons behind the increases? The construction techniques of vehicles are constantly evolving. We are building lighter, stronger vehicles with steel alloys, aluminium and carbon fibre to reduce the vehicle weight and emissions. At the same time, occupant safety is continually being improved which has seen […]

Should all Contractors have Professional Indemnity Insurance?

Many contracting businesses who do not specifically design anything for a fee will be unaware of the potential risks they may face in not carrying Professional indemnity cover.  In the increasingly litigious society we live in, where it would seem that everyone wants someone to blame, should you consider cover just to protect yourself if […]

Cyber Crime: a common phrase, often misunderstood and mis-sold.

I hear this term everywhere these days and I have to say, as an insurance broker, it concerns me a great deal. It falls into that catch-all category of insurance terminology, like “All Risks” and “Legal Expenses”, which without very careful explanation can over-promise and under-perform. It is important to understand that when you consider covering […]

Your environmental liability: don’t fall short on protection.

An area of risk that many companies overlook is environmental impairment liability. Regulations exist which impose responsibility for environmental damage. These regulations implement a ‘polluter pays’ principle, meaning that businesses must take precautionary measures to prevent environmental damage and take remedial actions if damage occurs. Failure to comply with regulations and or maintain proper standards […]