Preventing Underinsurance

The pandemic forced many businesses to change the way in which they operate. Many businesses may not fully appreciate the complexities that could delay getting their business up and running again after a loss, which leads us onto ‘underinsurance’. Although underinsurance can affect a business of any size, given the economic factors that make underinsurance…
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Top tips to combat commercial fly tipping and squatting

Over the past 18 months, the pandemic and restrictions on movement have meant many commercial premises and industrial estates have been left empty – and even now some remain quiet. We have seen an increase in vacant commercial premises being targeted for illegal raves, but incidents of illegal trespass, fly-tipping and metal theft are also…
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e-commerce boom sparks a surge in demand for storage and distribution space

Fears by insurer Zurich that pandemic-led e-commerce boom could spark rise in warehouse blazes Our insurer partner Zurich has warned of a potential rise in warehouse blazes as a pandemic-propelled e-commerce boom sparks a surge in demand for storage and distribution space. According to JLL, retailers are scrambling to secure more warehouse units, with demand…
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Highlighting one of the most common types of insurance claim: Property damage caused by escaping water

The Association of British Insurers estimates that insurers pay out around £1.8 million per day for water damage claims in peoples’ homes. In business premises, the effects of water damage can often be more complex and costly. Our insurer partner QBE has highlighted a number of causes for water damage in businesses and the steps…
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Road safety during Ramadan

Ramadan is one of the most important religious celebrations in the Islamic calendar during which participants observe strict rules that include fasting from food or water between sunrise and sunset. Our insurer partner QBE outlines some risk management guidance as part of their duty of care, it’s advisable for employers to carry out a risk assessment…
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Buildings and Business Premises that are closed in order to comply with local, regional or national Covid-19 regulations

On Monday 4 January the UK Government announced a further national lockdown in England, commencing immediately for an unspecified time period, which sits alongside similar further tightening of rules and regulations in Wales, Scotland and Northern Ireland. Further to our previous updates, if you have a commercial property insurance policy, in most cases it is…
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