Category Archives: Insurance & Risk Management

Terrorism – are you protected?

Over the past few months there has been no escaping the sad reality of the world we live in today.  Unfortunately stories of terrorist attacks are becoming a regular occurrence – but have you thought about what a terrorist attack could mean to you? It is our natural instinct to protect our lives however possible […]

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Changes to EU Speeding Fines

If you have ever been caught speeding whilst on holiday abroad you’ll know how it usually goes; the police pull you over, you get a ticket on the spot and you are expected to pay it there and then. If you don’t have the cash the police will take you to the nearest cash machine […]

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Do I need Cyber or Crime cover if I have Professional Indemnity Insurance?

This is something I’m hearing quite a lot at the moment as clients struggle to understand the overlapping elements of these various covers. There are rafts of businesses out there including Solicitors, Accountants, Surveyors, consultancy businesses and High Tech or Digital Businesses, who have a requirement to insure the outcome of their advice or service […]

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The Ogden Discount

If we mention the ‘Ogden Discount’ to you, you’d probably look at us blankly. However the decision taken by the Lord Chancellor, Liz Truss, to change the way insurers calculate compensation awards for serious personal injury could have an impact on your insurance premiums. In a nutshell the Lord Chancellor’s decision ensures inflation doesn’t erode […]

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Lock, Stock and Barrel

Your stock sum insured – you might think this is a relatively straight forward sum insured to calculate, but there are a number of items to consider that might not be immediately obvious – it is not just the value of your finished product or the cost of raw materials.   When calculating your stock […]

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How does Cyber Insurance actually protect your business?

The regulatory and legislative requirements you need to comply with in the aftermath of a data breach can be mind boggling to even the most prepared businesses. Expert advice and guidance is therefore essential when making decisions and implementing plans to mitigate the reputational damage, law suits and regulatory investigations arising from a data breach. […]

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How would your business survive following a large insurance loss?

We have been out and about in South Yorkshire talking to motor traders a lot recently and found that Business Interruption (BI) insurance is a common gap in cover. There seems to be a common misunderstanding of the importance of BI cover and more often than not, we are finding that so many motor traders […]

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