The events of the past few years have resulted in many employers promoting a home or hybrid working approach. With employees working from home more regularly it raises the question – who is liable for damage to company equipment and employee health and safety? As an employer, you have a legal obligation to ensure the
It is an inescapable and sad truth that the UK remains on high alert for terrorist attacks. The threat to life and society are naturally the biggest concern, but terrorism also poses a significant threat to the UK economy and, in particular, small businesses. Unfortunately, many SMEs do not have adequate insurance cover for acts
Commercial property insurance can be confusing at first. There’s the property owner, the tenant, the lease agreement, and sometimes even a managing agent or insurance broker involved too. But at the end of the day, there is truly only one overseer and responsible party when it comes to arranging building insurance for commercial property. It is
Property Underinsurance and ‘The Average Clause’ The primary purpose of property insurance is to provide a safehold when you sustain a loss that you simply cannot afford. However, at Glowsure we often see clients whose property is 70-80% underinsured. A previous client’s property was underinsured by over £1 million. A 2019 report by rebuildcostassessment.com found
Japanese Knotweed – a knotty problem for property owners and insurance cover On a bright, sunny day in late March, you step out into your garden. You breathe in the fresh air, take note of the tulips that are finally starting to blossom, the sun’s glare warm and tranquil. You take note of some small,
Over the last 12 months, it is likely you have experienced a significant increase in your insurance renewal, whether it’s a personal or commercial insurance policy. In this blog we dive into the reasons why this is happening. Soft and Hard Markets – The Insurance Market Cycle The insurance industry is cyclical, going through periods
An update on business insurance claims No one could have imagined as they popped open a bottle of bubbly at midnight on 31st December 2019, that the months following would bring major changes to the entire world! With individuals at risk of being infected by a transmissible and deadly virus, and many businesses shut down
If you are in debt or had previous insolvency, the effect on your insurance cover may not be top of your agenda, but it is important to be aware of any implications that a formal debt solution may have on any insurance policies you have. Why your debt matters to insurers Whenever someone is the
According to an article in the Telegraph, an estimated 11 million people use price comparison websites to shop for their insurance1. It’s hardly surprising, as we seem to be bombarded by entertaining and heart-warming ads about cute little animals. And at face value, they look like an effective way of doing your market research to
Glowsure Guide To Contractors All-Risks Insurance In our article recent article we talked about the potential risks that building contractors need to insure against. The good news is there is a specific insurance we can advise you about that’s designed to protect your business from these risks. What is contractors all risks insurance? Contractors All
