What is underinsurance? Underinsurance is another way of saying that you do not have enough insurance for your needs. If, when you come to claim on your insurance policy you do not have sufficient insurance to cover the losses you have...
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Brexit: The Northern Ireland Protocol
What is the Northern Ireland Protocol? Do you move goods into, out of, or through Northern Ireland? If the answer to the question above is yes, then you will need to be aware of the Northern Ireland Protocol. The Northern Ireland Protocol...
When Can Businesses Reopen in February?
Boris Johnson has this week set out the roadmap for the reopening of society and businesses in England as we start to emerge from lockdown. The headline news is that the earliest date for when businesses can reopen is the 12th April. And...
Tough Times – The Rising Cost of Insurance
The past year or so has been tough - tough for all of us on both a personal and business level. We can’t make financial stresses go away but we are here to help you address your insurance needs as best we can. Rising Cost of Claims...
Into the eye of the hurricane – management liability at the edge
Directors and Officers liability insurance (D&O) is specifically designed to protect the directors, officers and employees of an organisation. The insurance covers defence costs and awards made against directors, officers and...
Actions Businesses Need To Take Post Brexit
Now that the UK has left the EU, there are actions that businesses need to take in order to adapt to the changes brought about by the UK leaving: the EU’s customs unions the EU’s single market the EU’s entire legal order What actions do...
Vnuk Ruling – Some Common Sense at Last?
The problem arises from the 2014 decision of the European Court of Justice in Damijan Vnuk v Zavarovalnica Triglav. Mr Vnuk was injured in a Slovenian farmyard when he was knocked from a ladder by a trailer attached to a tractor. In...
COVID-19: Financial Support Available To Businesses And Self Employed
We know that the ongoing COVID-19 pandemic is causing businesses no end of heartache – especially those forced to close during lockdown and those that have seen demand fall off at this difficult time. And with no current end in sight to...
Insurance Premium Tax: How Much Is It & Will It Rise?
With the substantial sums of money spent during the Coronavirus crisis on the furlough scheme and supporting both businesses and individuals, there will come a time when the government need to decide how and when to start to pay back the...
Legal Expenses Insurance: What Cover Should Your SME Have?
Direct Line recently released figures which showed that one in three small businesses had to deal with a legal issue within the last 12 months. Addressing legal issues can be expensive for businesses. They can also disrupt business...
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