Businesses invest a considerable amount of time and money into making sure the impression they broadcast at an industry exhibition is a good one. When exhibiting at a trade, food or industry show, businesses are displaying not only their wares and services, but also their prominence and success. Presenting at an exhibition can be a […]

The responsibilities of freight forwarders—those who give advice, negotiate charges and provide transport solutions for shipments between buyers and sellers—are extensive. As a freight forwarder, your liability can stretch from the initial contract agreement to ultimate shipment delivery and fulfilment of all contractual obligations. For shipments that span different nations—or even different continents—your liability balloons […]

The restaurant and takeaway industry hums along at a speedy pace. Customers filter in and out and employees run back and forth to meet demand. In all this hustle and bustle, risk management techniques tend to fall by the wayside. The fast-paced nature of the work, the high volume of customers and the long hours […]

In a situation when one company merges with another to become a single entity or when one company is acquired by another, it is imperative that both parties review and update their insurance covers to ensure all risks are accounted for. This article details the steps your company should take to prepare for a merger […]

The UK is developing as an international merger and acquisition (M&A) hub for organisations across the globe. But while the process of buying or selling a business can be an exciting time filled with new opportunities, M&A deals are no simple task. For both the buyer and the seller, there are a variety of key […]

Many people mistakenly believe they don’t need to invest in a life insurance policy because they are young, in good health or financially stable. But think again—what would happen if an accident or unexpected illness resulted in your death? How would your financial dependents (eg husband or wife, children, siblings or parents) cope? How would […]

Insurance is a necessity for the long-term success of any business, regardless of size or industry. Due to its significance, insurance can be a costly but required investment. While operating without it is not a viable option, there is an alternative: captive insurance. What Is Captive Insurance? When a business purchases standard insurance, the policy […]

What is Directors and Officers Liability Insurance? In today’s business climate of corporate transparency and accountability, an organisation’s officers and directors face a myriad of employment-related exposures. Claims can come from many sources, employees, regulators, shareholders, creditors, customers, etc. Ever-changing regulations, increased employee awareness of employment rights as well as the rise of shareholder activism […]

Planning a sporting event can feel like juggling a million things at once—you need balance, precision and expertise to keep things moving. However, it only takes one random mishap to interrupt your rhythm, causing everything to come crashing down and threatening to cancel your event. Whether the event is big or small, professional or amateur, […]

If a fire causes your commercial property to be temporarily unusable, what would you do next? Would your business be able to pay utilities, wages or any other standing charges without income? It could take months before the damaged property is rebuilt and the stock, machinery and equipment are repaired or replaced. Ideally, you would […]

Commercial property insurance provides protection for property owners as they let out to third parties for commercial uses. This type of insurance policy is important due to the variety of costly incidents that can stem from allowing another party to occupy a commercial property, such as barns or steel structures. This cover is also often […]

Owning an unoccupied building can pose serious liabilities because unoccupied buildings are more susceptible to vandalism, undetected repairs, fire and other losses. If you own unoccupied property, it is advisable to purchase unoccupied property insurance, also known as unoccupied building insurance to protect against risks. What does Unoccupied Property Insurance cover? Fire Lightning damage Explosion […]

By its very nature, sport is unpredictable. No one knows at the outset who will win a match. Players could suffer injuries. Officials could make biased calls. Fans could become overly rowdy. Anything can happen—that’s why people love it so much. However, that uncertainty also generates significant risk for owners or managers of sports entities. […]

Most people think that only businesses in certain industries such as waste management or chemicals manufacturing need environmental impairment liability. However, all businesses need to assess their environmental liability risks and review how their activities could affect the surrounding environment. Natural or man-made pollutants can be released through many different processes, and they take several […]

Intellectual property—patents, trademarks, copyrights and trade secrets—may be more important to your business than tangible assets. There are various avenues you can take to protect them from competitors and, more importantly, thieves. It is estimated that intellectual property theft costs companies billions of pounds a year in lost revenue. Understanding your intellectual property and how […]

Most people think that group personal accident insurance is only purchased by individuals through their personal lines insurance policies, but businesses can also benefit from buying personal accident and group travel insurance. Group personal accident policies can be purchased by employers as an employee benefit for employees and their dependents. They can also be purchased […]

If an employee that is crucial to the function of your business becomes disabled or dies, would day-to-day activity continue as usual or would disorder and uncertainty ensue? Would you be able to maintain the same level of business expectations and revenue stream? How will you cover for the financial loss of the employee or […]

Description of Pharmacy operations Chemists can range from the small pharmacy that fills prescriptions to retail stores that offer a pharmacy service and also sell sundries, to huge super or discount chemists that sell all varieties of general merchandise and drugs. Chemists can be attached to and related to doctors’ offices, clinics, or hospitals, or […]

Your property is subject to many risks, including social and catastrophe perils, structural issues and even disputes with tenants. By purchasing a commercial property insurance policy, you can make sure that you are protected against these risks. Insurable Perils Basic commercial property insurance policies provide one of two basic levels of cover: all risks, and […]

Employers liability insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work. Unlike most other types of insurance, employers’ liability insurance is compulsory. If you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry employers’ liability […]

What Hotel Insurance do I need? Business in the hotel industry can be precarious. Local events for out-of-towners, currency fluctuations, inclement weather, the health of the economy and the affordability of travel all influence hotel occupancy rates. Despite everything you do, a certain degree of fickleness remains. You face a challenging, inconsistent industry. Do not […]

What insurance do I need for my Pub? When running a pub, you face a variety of risks that can endanger the viability of your business. Due to the nature of your clientele and manner of operation—long hours, late closing times, crowded premises and drunken customers—a number of risks you’re exposed to are unique to […]