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Offshore insurers are able to provide very competitive terms. But there can be a price to pay for lower cost insurance and you need to be aware of the pitfalls. Offshore insurers are based outside the UK, in such locations as Gibraltar, Bermuda, Belize, The Cayman Islands and Ireland, which means it is impossible to assess their financial ability to […]


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Following the incident I had on a recent trip, I have been asked to write a blog about the event as it may help others in the future. I was in Chile with my wife and we were on the penultimate day of a trip.  During the two week trip, we found Chile to be very hospitable and friendly with […]


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The use of hire vehicles to kill and maim people is a new form of terrorism. But who is liable to compensate victims? And are you covered against terrorist threat if you hire out vehicles? We are all aware of the tragic events in London earlier this year and most recently in New York, in which motor vehicles were used […]


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A product recall cannot only be costly for your business, but it could also threaten your reputation. Do not wait until it is too late – think now about how you would manage a recall. Legislation introduced in 2005 makes manufacturers responsible for ensuring the safety of the product they supply. Guidance provided by Trading Standards and on gov.uk states […]


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