Landlords – Are Your Liabilities Covered?

carried out on a property is done in a “professional” or “workmanlike” way, uses the “proper materials” and leaves the property “fit for human habitation” when completed. What can go wrong? Even the most diligent landlord will be at some risk under the law, as there is always the chance that a defect may arise […]

Unoccupied Commercial Property Insurance

We are pleased to announce that we now have a brand new scheme for unoccupied commercial property insurance.  This is an ideal product for vacant public houses, shops, restaurants and industrial units. For more information and to get a quote click here >>

Useful Advice for Owners of Unoccupied Properties

Weather Related Advice If the water cannot be turned off at the mains, the heating should operate continuously at a low temperature. This will help avoid burst pipes. Lag pipes wherever possible to avoid any freezing. Fencing should be secure and any remaining garden furniture stored away. Any signs of weather damage (such as missing […]

A Brief Discussion on Public Liability Insurance

Although some people may regret that it is the case, the reality of modern life is that we live in an ever more litigious society. Things in the past that may have been dismissed as sheer misfortune might now be seen by the affected parties as a possible cause for legal action. That is why […]

The Value of Using a Broker

An item on BBC Radio 4’s Money Box programme last Sunday focused on two homeowners who had seen their quoted renewal premiums increase dramatically, in one case by nearly 300%, because the flood risk to their homes had been incorrectly re-assessed by their insurers.  It also highlighted changes to the flood information on the Environment Agency website […]

No Employers Liability Insurance is not an Option

Employers should be mindful of not being in breach of Section 1(1) of the Employers’ Liability (Compulsory Insurance) Act 1969. This section of the act makes it a legal requirement for businesses who have employees to hold Compulsory Employers Liability Insurance.  The cover indemnifies employers against claims by employees for following bodily injury or disease at work.  It follows therefore that employees are thus protected […]

Can You Afford to do Without Public Liability Insurance?

For some businesses this question may not have any relevance, as there may be a legal requirement to have this sort of cover. This might be the case in situations where your business is supplying goods and services to your customers. If you do no operate in these particular business segments though, you may be […]

Escape of water advice for the winter

The UK weather is very unpredictable and so far it’s been a mild winter, but now the temperature has dropped, it’s important to keep pipes protected from the cold. That’s because burst pipes, caused by water freezing and expanding, account for the majority of escape of water claims we receive every winter. To help your […]

Commercial Property Market Improving

Commercial property market picks up in UK and Europe A series of surveys have suggested a number of commercial property markets in Europe are on the up. Property investors across Britain and Europe will have spent much of the last few years surveying a distinctly gloomy landscape, after the bubble burst in 2007 and the […]

Tenant’s Illegal Activities and Landlord’s Exposure

Illegal activities and organised crime has recently become a contentious topic in the property industry. New challenges are in store for landlords, where they must report any suspected criminal activity within their let properties, as per the Bill passed in the Queen’s Speech, June 2014. The new legislation puts a greater responsibility on landlords as […]