Author: Tom Wood | Date: 04/07/2025
Categories: General
If your business is only protected through legally required employers’ liability insurance (necessary as soon as you become an employer) or optional public liability insurance, it has a gap in its insurance protection that could be costly. Employer’s liability insurance does not protect against any claims which allege that your company or its managers have breached an element of employment […]
Author: Tom Wood | Date: 20/06/2025
If you sit down and make a list, you will discover a frightening number of ways in which your business and management team could be deemed liable for a situation. The word ‘deemed’ is an important one. You do not have to have actually done anything wrong for an allegation to be made. However, the minute an allegation emerges, the […]
Author: Tom Wood | Date: 06/06/2025
Categories: General
We see it all too often: a business is hit by fire, flood, or storm damage. Thankfully, they had the foresight to take out Business Interruption (BI) insurance—great! But when the payout arrives, it doesn’t come close to covering the real financial impact…not so great. On paper, the sums insured look reasonable. But when disaster strikes, hidden gaps quickly emerge, […]
Author: Tom Wood | Date: 23/05/2025
In recent months, cyber attacks on well-known brands like Marks & Spencer, Harrods, and the Co-op have grabbed headlines, with M&S alone reportedly suffering losses of over £1 million per day during its breach. While such major brands have the means to bounce back, if not slowly, the same can’t be said for many SMEs in the UK. As cyber […]