Managing your business’ fleet of vehicles—worth anywhere from a few thousand to millions of pounds—can seem like a Herculean task. As a fleet owner, you must ensure your employees are authorised to drive, that each vehicle’s use is covered in your insurance policy and that you can add or remove vehicles from your policy to […]
Motor Fleet Insurance Read More »
Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase unoccupied property insurance, also known as unoccupied building insurance to protect against risks. Risks Fire Lightning damage Explosion Windstorm or hail damage Smoke
Unoccupied Property Insurance Read More »
As the owner or manager of a property management firm, you are responsible for meeting your obligations to commercial tenants. By meeting those obligations, you help your tenants’ businesses thrive as well as keep yourself safe from charges of negligence and insurance claims. Furthermore, as general legislative trends see more and more senior managers, directors
Commercial Property Landlord Liabilities Read More »
In today’s business climate of corporate transparency and accountability, an organisation’s officers and directors face a myriad of employment-related exposures. Claims can come from many sources, employees, regulators, shareholders, creditors, customers, etc. Ever-changing regulations, increased employee awareness of employment rights as well as the rise of shareholder activism means directors are more frequently at risk,
Directors and Officers Liability Insurance Read More »
Your property is subject to many risks, including social and catastrophe perils, structural issues and even disputes with tenants. By purchasing a commercial property insurance policy, you can make sure that you are protected against these risks. Insurable Perils Basic commercial property insurance policies provide one of two basic levels of cover: all risks, and
Commercial Property Insurance Read More »
The motor trade industry is expansive. It encompasses businesses that sell, repair, trade, enhance or test vehicles. As the owner of a motor trade business, the risks you face may be very different from another business in the same industry. Motor trade cover needs to be as diverse as its industry in order to account
Motor Trade Insurance Read More »
Owning precious valuables can sometimes be worrisome. On the one hand, possessing unique and expensive objects such as art, jewellery or an expensive home can be a source of pride and imbue you with a sense of distinction. On the other hand, these objects can create additional burdens, constantly requiring security and special consideration. How
High Net Worth Insurance Read More »
Employers’ Liability Insurance The majority of employers in the UK are required to purchase employers’ liability insurance to cover against liability for injury or disease to their employees arising from employment. England, Scotland and Wales Employers’ Liability (Compulsory Insurance) Act 1969 Northern Ireland Employer’s Liability (Defective Equipment and Compulsory Insurance)(Northern
Employers Liability Guide Read More »
As an owner or manager, you have an obligation and responsibility to provide employees with a safe work environment. If you fail to do so, it could result in a current or even former employee filing a claim against you. And claims can be costly—not just financially—but also to your organisation’s reputation. To protect yourself
How Employee Status Affects EL Cover Read More »
Check out this infographic which highlights considerations you could take when choosing EL limits
Considerations When Choosing Employers Liability Limits Infographic Read More »
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