Category Archives: Insurance & Risk Management

Certainty in an uncertain world

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, […]

Bridging the Gap

What is GAP insurance? Guaranteed Asset Protection is designed to protect you when you buy a new car to cover the difference between the amount your car insurer would pay out if your car was stolen, or written off, and the price you paid for your vehicle. In the event of damage to, or total […]

Have you got your Green Card?!

With 29th March looming and the ever-increasing possibility of a ‘No Deal’ Brexit, it is understandable that people are starting to get concerned about the effects of working and travelling abroad. When it comes to driving your vehicle abroad, currently all you require is your motor certificate which shows you have insurance cover in the […]

Product Recall

Do you need Product Recall Insurance? Product Recall Insurance covers expenses associated with recalling a product from the market. It provides protection in the event any of your products pose an imminent threat of bodily injury or property damage. Why would a product need to be recalled?  Manufacturing errors such as the omission of a […]

O2 or NO2?

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 […]

Liquidations and Non-disclosure – why does the past matter?

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 […]

Is the Professional Indemnity tide turning?

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, […]

Terrorism Disruption Insurance

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 […]