Are You Insured For Damage To Buildings By Snow?

property insurance

The answer is – it depends . . . It depends whether the snow is heavy enough to constitute a ‘storm’ and whether your commercial insurance policy includes storm cover and/or accidental damage cover. It also depends on the condition of the property at the time the damage occurs. When Is A Snowstorm a Storm? In order for your business insurance policy to provide cover for property damage arising from a ‘storm’,  the damage has … click to continue…

Do You Need Insurance For Subcontractors?

Liability Insurance for sub contractors

Recently I was asked to provide information on the liability insurance needed for subcontractors for a contracting company in Kent. This often seems to be an area of confusion for companies in the construction industry. Basically, it depends on whether your subcontractors are labour only subcontractors or bona fide subcontractors. Labour Only Subcontractors Labour only subcontractors work directly under your supervision and use materials, equipment and, possibly, tools that you have provided. They may use … click to continue…

Do you have the right insurance for working from home?

Business From Home Insurance

Working from home insurance is important if you want to make sure your home and business are properly protected. It is estimated that there are now around 3.8 million homeworkers in the UK and that 2.4 million of these are people running their own businesses from home. If you work from home, make sure that you have the right insurance in place. Many home-based business owners make the mistake of thinking they are automatically covered … click to continue…

10 Top Tips To Protect Your Business Over Christmas

Business insurance tips for Christmas Closures

In a week’s time, it’s Christmas Day, and as a busy professional or business owner you might be planning to have a well earned rest over the holiday period. If you are closing your business premises for longer than usual, it’s worth taking a few minutes to think about how to keep everything safe and secure. Here are ten top tips you can use to help protect your business while you are away. 1. Consider … click to continue…

5 tips to ensure your business insurance pays out in the event of a flood

With hundreds of flood warnings in force across England and Wales, it is important that business owners make sure they have adequate insurance in place to help protect them in the event of flooding. Here are five things you can do to make sure you have the right cover: Check that your business insurance policy covers you for flooding. Look at your business insurance schedule and review the values for buildings and contents. Check that … click to continue…