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The Hard Market. This is a term many of you will have heard over the last 12 months from those of us trying to provide context to increasing insurance premiums. Like many other markets, the insurance market follows a cyclical course driven by the principles of supply and demand; for a time now we’ve experienced […]
You will no doubt be aware that the UK Government has announced that from 5th November 2020 until 2nd December 2020 further restrictions will be implemented to control the spread of Coronavirus. These new controls are likely to have a significant impact on our lives for the coming weeks and we will attempt to summarise the key […]
You will be very aware that the UK Government has now implemented a three tier system in order to control the spread of Coronavirus at a time where the number of infections and hospital cases are increasing. This has undoubtably caused confusion as nothing seems to be straightforward at the moment! Happily though, the picture […]
In psychology and psychiatry, normal means average or typical, but we too easily think of it as a synonym for how everyone is supposed to think and feel. Today marks day 141 of the new ‘normal’ and we all think and feel very differently about the world than we did a few months ago. In […]
Covid-19 continues to change everyday life, with new restrictions and practices coming and going on almost a daily basis. Businesses have seen dramatic changes to their working practices and have had to adapt these rapidly to an unprecedented and unexpected situation. With any dramatic change comes new challenges and unseen, unintended consequences, and the insurance […]
When we entered the first stages of lockdown, we were advised to abandon our workplaces and if possible work from home. This resulted in the majority of commercial properties and contract sites being unoccupied with no clear indication as to when they might re-open. Insurers reacted by providing guidance on the measures necessary to protect […]
You may have heard in the business news that the insurance market is hardening. This means that premiums can increase, cover can be restricted and insurers are less inclined to take on new clients; essentially it can become difficult for a business to keep their costs down for those essential insurance covers and unfortunately shopping […]
The “new normal” has seen many companies re-organise to facilitate homeworking by their employees. This unfortunately has given cyber criminals an opportunity to take advantage of the new situation & we are seeing a dramatic rise in cyber crime as a result. How can businesses protect themselves & their employees from criminals focused on attacking […]
Claims notification is part and parcel of an active insurance policy; however, does it matter when the claim is notified and does it make a difference to how the claim plays out? Let’s take a look at a motor example and see how this operates in practice. Early notification after an accident has occurred is […]
Making predictions in this world is a particularly hazardous occupation. Nostradamus springs to mind as someone with a monopoly on predicting the future but did he, really? Nostradamus attended Avignon University but was forced to leave after just one year following an outbreak of an infectious disease. Sound familiar? Well, he didn’t see that coming. […]
