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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…

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…

Take a stroll through any town centre and you cannot help but notice the number of boarded-up shopfronts and empty buildings. These properties were once the hub of the high street, where you’d take the kids for their favourite pick-and-mix, or browse the shelves of the local bookshop. Now, many sit idle waiting for a…

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,…

We hope you’ve enjoyed a healthy, happy and successful 2025. Here are a few simple reminders to help keep you safe, secure and stress-free this December: Heading away for the holidays? Let a trusted neighbour know you will be away and avoid sharing travel plans or check-ins on social media Keep an eye out for…

Protecting Your People, Your Business and Your Reputation For many businesses, the company Christmas party is a well-earned opportunity to celebrate the year’s successes, thank employees for their hard work and include some team building. When planned well, it can be a positive and memorable event. When it isn’t, the consequences can extend far beyond…

Safe charging for e-bikes and e-scooters Electric vehicles, from cars to e-bikes, e-scooters and even forklifts, are becoming increasingly common in both personal and commercial settings. Along with their benefits come significant risks, particularly around charging and battery safety. Fires involving lithium-ion batteries can start suddenly, spread rapidly, and release toxic fumes. This guide produced…

Our Autumn Risk Management Guide is here! As the seasons change, so do the risks businesses face. Our Autumn Risk Management Guide in partnership with Aviva highlights key considerations to help you stay prepared and resilient in the months ahead. Click here to download your copy and explore practical insights to help protect your business…