Darren Beckinsale • Cover Overviews • 4th Mar 2021 • 3 min read time Business Protection Insurance – Overview Business protection insurance is a key part of being prepared for unexpected hardship or an unforeseen tragedy. While many organisations are diligent in protecting things like their property and assets, it is also important to account for risks related to the potential death or serious illness of an owner or other important party. In the […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 4th Mar 2021 • 4 min read time Commercial Crime Insurance – Overview You may think that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimised by fraud or theft. Thieves (including your employees) do not need direct access to cash to steal from you—merchandise, supplies and […]
Darren Beckinsale • Cover Overviews • 25th Feb 2021 • 2 min read time Key Person Insurance – Overview 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 […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Chemist – Commercial Risk Summary Description of 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 they […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Commercial Property Insurance – Overview 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 […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 2 min read time Employers’ Liability Insurance – Overview 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 […]
Darren Beckinsale • Cover Overviews, Fleet Management • 31st Mar 2020 • 3 min read time Hauliers’ Insurance – Overview Whether you are an owner operator or managing an entire fleet, your haulage business is at risk whenever your vehicles are off the road. Stagnancy is alarming for the transport industry—every second that any of your vehicles are sidelined threatens your earning potential. To ensure maximum profit and efficiency, your employees and vehicles need to […]
Darren Beckinsale • Construction, Cover Overviews • 31st Mar 2020 • 4 min read time Tradesman Insurance – Overview As a tradesman, you belong to a group of workers skilled in a variety of highly specialised trades and crafts. The term ‘tradesmen’ refers to builders, plumbers, electricians, carpenters, roofers and more. Because the definition of tradesmen is so broad, it can be difficult to choose the cover that best protects against the specific risks […]
Darren Beckinsale • Charity & Not for Profit, Cover Overviews • 31st Mar 2020 • 4 min read time Charity Insurance – Overview Charities throughout the United Kingdom face many risks that can result in loss, damage or liability for trustees—and for the charity as a whole. Risks include a loss of charity assets or resources, damage to a charity’s property and third party liability for professional indemnity or public liability. Part of mitigating these risks is having […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 2 min read time Hotel Insurance – Overview 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 crumble in the face of instability—fortify […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 4 min read time Domiciliary Care Insurance – Overview For adults that have age-related impairments or physical, mental or visual disabilities, it may be difficult for them to live independently in their own familiar surroundings. Domiciliary care organisations are able to provide these adults with specialised assistance which allows them to obtain a beneficial sense of self-reliance. Personal assistants, care agency staff members or […]
Darren Beckinsale • Construction, Cover Overviews • 31st Mar 2020 • 5 min read time Contract Works Insurance – Overview Construction projects can be complicated undertakings, and if any problems were to arise before the project is completed, things can become difficult to resolve. Imagine you are working on the framework of a two-storey detached home. One night, a devastating summer storm rolls in and relentlessly batters the building site, effectively undoing several weeks of […]
Darren Beckinsale • Cover Overviews • 31st Mar 2020 • 3 min read time Pub Insurance – What Cover Do I Need? 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 the pub industry. Purchasing appropriate cover for your […]
Darren Beckinsale • Cover Overviews, Manufacturers & Engineering • 10th Oct 2018 • 1 min read time Machinery Business Interruption When machinery is damaged or breaks down it can take time for a business to return to normal operations, often resulting in a loss of income and, more often than not, considerable additional expenditure. Our Machinery Business Interruption policy protects your clients against the potential impact of machinery downtime and operates as a companion to […]
Darren Beckinsale • Cover Overviews, Risk Insights • 10th Oct 2018 • 2 min read time Flood Protection – How do we work to help you? With the economic costs of Storm Desmond approaching £500m it is worth checking that your commercial insurance covers you in the event of such an occurrence. If the worst happens what should you do to help your insurer look after you? In the immediate aftermath contacting your insurer may not be the thing foremost in […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Insuring Your Deal – The rise in Mergers & Acquisitions Insurance Whether you’re a small manufacturer, you own a chain of shops or you run a FTSE 100 company, merger and acquisition activity can be a risky business. Research just released by large global insurer AIG shows just how risky. In situations where cover was in place, nearly 15% of takeover deals resulted in an insurance […]
Darren Beckinsale • Cover Overviews, Manufacturers & Engineering • 10th Oct 2018 • 1 min read time A simple guide to engineering insurance There are many different engineering covers out there. So we want to make your job a little easier when it comes to identifying which engineering insurance products and services your you might benefit from. We’ve included trades within our guide which align with our sector-specific mid-corporate propositions to help ensure that your businesess have all […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Property View for Property Owners Welcome to the fourth instalment of Property View, the magazine which aims to keep property owners and brokers abreast of developments from across the property owners’ sector. Take a walk down any high street in the UK and you’re reminded of the extent to which the recession is taking its toll. But with one in […]
Darren Beckinsale • Cover Overviews, Newsletters, Risk Insights • 10th Oct 2018 • 1 min read time Serving up the right cover for your business needs At Business Insurance Service we understand the challenges of working in the hospitality industry. Ensuring the products and services you supply are covered, and your revenue protected, is key. That’s why we work with Aviva to provide flexible cover that serves your needs. The Aviva touch Business Insurance Service and Aviva work together to give […]
Darren Beckinsale • Cover Overviews, Risk Insights • 10th Oct 2018 • 1 min read time From theatres to science centres, get great insurance without the drama At Business Insurance Service we understand that the arts and culture sector encompasses a broad variety of businesses and insurance needs. That’s why we work with Aviva to offer you flexible, relevant and essential covers to protect what’s important to you. The Aviva difference Business Insurance Service and Aviva give you the best of both […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Business Contents Insurance As your business grows, chances are it could accumulate very significant levels of physical contents. These will obviously be quite different from business to business. For example, if you’re a workshop, your machines may be expensive to replace. In an office based environment, computer equipment may form the bulk of the contents. If you’re a […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time What’s Flood Re? Flood Re featured heavily in the press earlier in the year. It was created in April 2016 to help homeowners in areas susceptible to flooding obtain affordable home and contents insurance. In simple terms, Flood Re is a new reinsurer set up to take personal home related flood risks from other insurance companies. So far […]
Darren Beckinsale • Cover Overviews, Newsletters • 10th Oct 2018 • 2 min read time Insurance to help you keep on trading Practicing comprehensive risk management is crucial when it comes to successfully managing a company. Risks, like companies themselves, come in many different shapes and sizes. Most companies have near the top of their list of risks, the threat posed to their physical items. Buildings, stock, furniture and so on, are all taken care of by […]
Darren Beckinsale • Cover Overviews, Newsletters, Risk Insights • 10th Oct 2018 • 2 min read time Terrorism – Make sure your business is protected It’s an unfortunate but undeniable fact that our businesses today face an unprecedented threat from global terrorism. While the human tragedy of these appalling events rightly dominate the headlines, for some businesses the consequences of an attack can also be devastating. It’s important to reassess the threat your business faces from terrorism and ensure that […]
Darren Beckinsale • Construction, Cover Overviews • 10th Oct 2018 • 2 min read time Essential tools insurance In many different trades such as building, plumbing or landscape gardening for example, tools are an essential part of the business. Protecting those vital tools with proper tool insurance should be an essential part of any insurance policy. Not only could losing or damaging tools be expensive due to the cost of having to replace […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 2 min read time Start Up Insurance – What is Risk Management? Understanding the various types of insurance on offer, let alone deciding on a supplier can be a daunting business for small companies. The Business Insurance Service can help you navigate through this process, providing a one-stop shop for all your risk management and insurance needs. What is Risk Management? Put simply, risk management is the […]
Darren Beckinsale • Cover Overviews • 10th Oct 2018 • 1 min read time Why do I need Employers Liability insurance? Employers Liability (EL) insurance covers you in the event that an employee becomes sick, injures themselves or dies as a result of your employment. As mentioned previously, EL insurance is a legal requisite if you employ any staff. This includes temporary or holiday labour as well as salaried staff and you must obtain cover with […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 10th Oct 2018 • 2 min read time Crime Insurance quotes added to our online offering This policy will provide you with much-needed peace of mind against a severe threat, and can be extended to protect against the growing danger of cyber fraud, in which firms are tricked into sending money by fake emails from fraudsters impersonating managers or suppliers. Regardless of size, territory and business sector, all organisations are vulnerable […]
Darren Beckinsale • Cover Overviews, GDPR, Cyber & Data • 21st Mar 2017 • 1 min read time Introducing Aviva’s new cyber cover As digital technologies accelerate, so do cyber risks. From hacking and malicious attacks to stolen laptops and data, cyber criminals attack indiscriminately. But online attacks are only a part of it. System failure and employee negligence have an equally damaging impact on businesses too. Digital and data reliance is now normal for most businesses. Aviva […]
Darren Beckinsale • Cover Overviews, Employee Benefits & Wellbeing • 15th Mar 2017 • 2 min read time Focus on International Private Medical Insurance (IPMI) from Aviva Clear, flexible private healthcare if you’re living or working overseas It’s all about making sure you have access to high quality healthcare while you’re living or working overseas. That, and having the support of an insurance provider you can trust, which matters just as much as having the right kind of cover in place. Aviva […]
