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Insurers are in the business of “risk transfer”. Put simply, having identified a risk, such as a flood, businesses and private individuals may transfer that risk by paying a premium to an insurer. In principle, for a risk to be insurable it must be accidental and fortuitous in nature. Events that are deliberate or inevitable […]
“We don’t need that. It’ll never happen to us. We’ve got great controls!’’ Many businesses are unaware that they are inadequately insured in respect of a data breach. Cyber insurance can play an essential part in helping a company with the costs that occur when dealing with a data breach. These costs can include: Loss […]
Think your company bank account is safe and secure? Think again! Businesses have traditionally protected their balance sheet by insuring assets, earnings and liabilities. Traditionally assets have comprised of buildings, machinery, fixtures/fittings, stock and work in progress, i.e. tangible assets. These are insured against contingencies such as fire, storm, flood, burglary etc. During recent months […]
Have you ever looked at your business travel insurance policy extensions? Some insurers throw in various bits and pieces such as (but not limited to) funeral expenses, childcare expenses, lost keys and kidnap and ransom. Whilst most, if not all, of these are useful covers to have, some of them such as kidnap and ransom […]
IPT stands for Insurance Premium Tax. Effectively it is the tax that is charged on top of your premium which is then collected by your insurer and paid to the Government. IPT was initially introduced in the UK in 1994 and over the years has steadily risen from 2.5% in 1994, 4% in 1997, 5% […]
In today’s world where we are so reliant on our IT, can your business manage without its computers or smart phones? Traditionally computers and electronic equipment have been covered under your standard combined policy, however insurance markets have changed and you can usually get wider cover at a more competitive price if you place the cover […]
As the dust settles on the PII renewal season it is now the time of year when many solicitors are submitting various re/applications for the Conveyancing Quality Scheme, Practicing Certificates and also Lender Panels. We will assist where-ever we can in supplying Confirmed Claims Experiences, Certificates of Qualifying Insurance and general “confirmation of cover” letters […]
So you’re a director! You’ve got the keys to the executive loos and staff wave palm fronds in your wake as as you walk through the office……….. Then you wake-up as your alarm goes off and it suddenly dawns on you that being a company director carries a whole burden of responsibility. And now the buck might […]
Currently electronic cigarettes don’t contravene the 2007 no smoking ban and therefore can be used in the work place. The question is, “to ban or not to ban?” E-cigarettes, which are some times called e-cigs or vapour cigarettes, are becoming increasingly popular as they offer smokers a nicotine hit, without all the harmful effects of […]
You may or may not have seen the film ‘Ferris Bueller’s Day Off’ (it’s an 80’s classic by the way!), but the character Cameron ‘borrows’ his dads pride and joy a 1961 Ferrari GT California with Ferris and Slone and drives it around Chicago. Thus ensuing high jinks, lots of 80’s music and bad hair […]