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Currently the UK is bracing itself for a ‘No Deal’ Brexit on 29th March 2019, and we realise this may affect every business in the country in very different ways & to many varying degrees. In fact it could have already affected you, as many businesses have experienced changes to the labour market and the […]
Following last week’s downtime from O2 of 24 hours, which to most of us felt like a lifetime, it has given us a prompt to remind our clients of how important Cyber Insurance can be, in particular for mobile phones. It is scary to think how much we rely on our smart phones for lots […]
First, a little definition – an insurance contract is based on the principle of ‘utmost good faith’ – that is, a person seeking insurance must disclose any information that would constitute a ‘material fact’ or anything that would affect an insurer’s view of the hazard you pose in offering you cover. This can be both […]
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 […]