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Subletting and Landlord Insurance

Subletting can create unexpected complications for landlords, particularly when it happens without their knowledge or permission. Although some tenancy agreements allow subletting with the landlord’s consent, others prohibit it altogether. An undisclosed change in occupancy or how a property is being used can affect insurance arrangements, potentially leaving property owners exposed if something goes wrong.…
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Autumn Seasonal Guidance

Our Autumn Risk Management Guide, produced in partnership with insurer partner Aviva, highlights the key risks to be aware of as we head into the winter months. From preparing your property for colder weather and reducing the risk of storm damage to reviewing your existing risk management measures, the guide offers practical advice to help…
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Don’t let extreme heat damage your buildings

Many buildings in the UK are not designed to deal with extreme temperatures. Concrete buildings, for example, absorb more of the sun’s heat, making them more likely to overheat. Excess heat can cause cracks and worn surfaces to deteriorate, while exposure to sunlight could cause roofs to warp and crack. Subsidence can also be a…
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Renters’ Rights Act Reform: What You Need to Know

England’s modern tenancy system was established under the Housing Act 1988, coming into force in 1989. The legislation introduced Assured Shorthold Tenancies (ASTs) — short-term occupancy agreements typically lasting 6 to 12 months — alongside “Section 21” no-fault evictions, which gave landlords broad powers to remove tenants with limited recourse. By the mid-2000s, homeownership was…
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Travel Insurance: Important Update

With the ongoing conflict across parts of the Middle East, we are advising all clients to carefully review their travel insurance policies before travelling. It is important to understand that not all personal or business travel insurance policies respond in the same way to geopolitical events. Many policies exclude claims arising from acts of war…
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The hidden cost of ignoring maintenance in property risk

Putting off maintenance is a common driver of preventable property losses, yet it rarely gets the same attention as more visible risks. In reality, daily maintenance is a highly effective line of defence for most organisations. RiskSTOP have provided some excellent tips: Where property maintenance failures show up Ageing plant and machinery, worn electrical systems,…
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