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Over the last ten years Professional Indemnity premiums for the traditional and emerging professions have been pretty stable. This has also been the case for the ‘design and build’ construction sector. The market has been characterised by a benign claims climate and a ready supply of Insurers prepared to offer terms at generally competitive rates, […]
A traditional terrorism policy within the UK operates in the event of physical damage to premises as a result of a terrorist attack, targeting loss of life and creating fear and panic. However, terrorism in the UK is evolving – The changing nature of more recent attacks can cause significant disruption to businesses located in […]
Driving can be one of the most dangerous work activities that people can do. Research indicates that over 100 people are killed or seriously injured every week in crashes involving someone who is driving for work purposes. As an employer, you owe the same duty of care under Health & Safety Law to your staff […]
Did you know that the longer it takes to notify a claim to your insurers, the higher the cost of that claim? At ProAktive, we recognise the implications of late notification on the premiums you pay and have therefore launched our very own motor claims app. The app enables drivers to collect crucial information at […]
Most construction work these days is completed via the use of sub-contractors. One reason for this is that it is not economical to have permanent staff and so workers are brought in on a temporary basis when required for a job. It could also be specific specialism is required and so a specialist contractor would […]
I recently read a comment on Linkedin from one of my connections which piqued my interest. It was from a jewellery valuer who had been asked to re-value a pair of diamond stud earrings for insurance purposes. On closer inspection he discovered the diamonds had been laser drilled and filled to enhance the quality without […]
Did you know that ProAktive are Chartered Insurance Brokers? Did you also know that in order to gain Chartered status, ProAktive have to have a set of core values and business practices that meet with our professional bodies (the Chartered Insurance Institute) code of ethics? These are just two factors, amongst many, which we excel […]
It is often the case that a company may only deal with one or two customers or suppliers without realising the consequences should something catastrophic happen at their premises. The question you need to ask is “how could this affect your business?” Would your business be able to continue trading? Suppliers and customers can suffer […]
The short answer is yes! At ProAktive we consider that every business, irrespective of its size, should consider Cyber Insurance. As organisations have become more reliant on IT we have seen more & more companies buying cyber cover. On 25th May 2018 this became crucial when the General Data Protection Regulations became effective, meaning that […]
British Insurers and Thatcham have raised concerns that the evolution of automated driving technology could result in an increase in accidents due to drivers thinking their cars are more capable than they are. There are different levels of autonomy: Level 0 – the driver is completely in control of the car with only warning and […]