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Business resilience is the key issue firms are grappling with when faced with increasingly large & unpredictable business interruption & supply chain risks. How resilient is your business if the worst happens? Whether it’s a flood on the other side of the world, a fire at a supplier’s premises or a major cyber-attack, business interruption […]
There was a time when insurance premiums followed a well-trodden cycle. Premiums would decrease based on competition and then a ‘hard market’ would follow (broker speak for rapidly rising premiums: 20%, 50%, 100%, 200% – big numbers) as a result of insurance companies desperately trying to get more money into the pot. It’s a time […]
…WRONG! This could end up costing you a lot more in the long run. There are a surprising number of businesses both large and small that are drastically under-insured. Some may genuinely believe that they have insured for the correct amount at the time whilst others may have intentionally left their sums insured low […]
Most policies covering Public and Products Liabilities will have conditions applied. You may be aware of this but not necessarily understand what actions are required by you or how they will impact your business if not complied with. Here are some pointers of what to look out for when incepting, renewing or just reading your […]
Summer is here and we’re waiting for the European heatwave to hit us hard this weekend. Many of us will be going on holiday over the next few months and for some, that could mean a ‘staycation’ – taking advantage of the beauty spots we have on offer in the UK rather than going abroad. […]
In today’s world, many companies operate on the basis that their raw materials are purchased and processed on an as and when basis to reduce their overhead costs in having to hold large amounts of stock. They rely on other companies, outside of their control, to keep them supplied with the materials they need to […]
My hot take: Company Director = Circus Performer. Not seriously of course, but it does involve a juggling act with various roles and responsibilities serving as flaming pins. There is a tightrope to walk. Fortunately, insurance can provide some measure of comfort and protection to anyone occupying this role, and indeed, I write on the […]
A common property owners myth: there is a direct relationship between the rebuild cost and the market value of a property. Unfortunately this rarely works out and leaves property owners at risk of under-insurance in the event of a claim. For example, a property in the centre of London could have a market value in […]
The road to crime is increasing with cargo thefts almost doubling last year. 2017 saw cargo thefts of 1,500, which increased to over 2,700 in 2018 (reported by The National Vehicle Crime Intelligence Service – NAVCIS). With an increase of cargo theft, there is concern over the welfare of our drivers and the risk of […]
So here we are; Spring 2019 and it seems that the only thing that is certain is uncertainty. The world feels unstable, although in truth it’s probably no more unstable than it has ever been, yet through the prisms of social media, 24 hour news and the never ending background noise that accompanies modern life, […]