Is Public Liability Insurance a Legal Requirement?

Whilst public liability insurance is seen as an essential protection for most people whether in a business or private capacity it is not a legal requirement in the United Kingdom other than in certain circumstances. When is public liability insurance legally...

Return to Work Risk Assessment Template

Although conducting and maintaining up to date workplace risks assessments is essential for organisations and businesses it is worth noting that whilst these assessments may take account of the needs of employees in general you should also conduct risks assessments...

What are the categories of defect on a UK MOT test?

DangerousMajorMinorAdvisoryPASS A direct and immediate risk to road safety or has a serious impact on the environment. Do not drive the vehicle until it’s been repaired. FAIL It may affect the vehicle’s safety, put other road users at risk or have an...

Can Employers Read Employees Private Messages at Work?

With many people now engaged in social media, private messaging and emails in both a personal and business capacity the communication options for the individual are now apparently unending. This has led to an increase in personal communications being made by employees...

Unusual Risks Insurance

As specialist brokers with many years experience in both the business and personal insurance sector, it is true to say that we see the same risks many, many times and are adept at providing a fast and cost effective response to most enquiries. However, just...

Day One Basis of Settlement Inflation Provision

Day 1 Reinstatement is a clause applied to Property Damage insurance to deal with the effects of inflation during the period of the policy and the period of reinstatement. A sum insured on a reinstatement basis should be adequate to replace the insured...
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