What is Martyn’s Law? Martyn’s Law, formally the Terrorism (Protection of Premises) Act 2025,¹ is intended to “improve organisational preparedness and protective security across the UK” and requires those responsible for premises to “prepare for potential terrorist attacks and help keep people safe in the event of an attack.”¹ᵃ Martyn’s Law received Royal Assent on 3 April 2025, becoming the […]
Author: Tom Wood | Date: 25/09/2026
Author: Tom Wood | Date: 18/09/2026
Why underinsurance is rising For many businesses, insurance values are set annually and then left unchanged. But in today’s environment, that approach is increasingly risky. A combination of inflation, labour shortages and global supply chain disruption has driven up the cost of rebuilding and replacing assets far more quickly than many businesses expect. In some cases, the cost of materials […]
Author: Tom Wood | Date: 28/08/2026
A new building or an extension can take months, sometimes years, to reach the point where work actually starts. Design, planning permission, funding, tendering, appointing contractors – all of it takes time and attention. Insurance tends to be the last thing anyone thinks about, and often the first thing that catches people out. Insurers accept that day-to-day repairs and maintenance […]
Author: Tom Wood | Date: 14/08/2026
Motor repair costs are the pressure point in insurance at the moment. Of the £2.9 billion insurers paid out in motor claims in the first quarter of 2026, £1.9 billion went on vehicle repairs, with the average accidental damage claim reaching £3,699 – up 8% on the previous quarter, according to the Association of British Insurers. Those figures cover private […]