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We believe in making sure our business insurance clients are kept safe and protected when the worst happens. With this in mind we were as shocked as any other business when the Diesel emissions scandal hit the headlines in 2015. Starting with Volkswagen, gradually more and...
Farmers and livestock businesses often ask us about their insurance liability for animals as this can become a contentious issue, especially when animals cause accidents and injury to third parties. The long-running case regarding a runaway horse that caused a major road accident has now been...
The National Chair of the Federation of Small Businesses made an immediate call for the new Prime Minister to provide assistance to small businesses amid the latest hardships being felt by sole traders and SMEs. In a press release published on 5 September, Martin McTague congratulated...
Currently, it's only a legal requirement to have business insurance if you have a work vehicle or employees, so small businesses being run by one person without a vehicle may be tempted to believe that not buying business insurance is a legitimate saving. However, in the...
You've done your research, you know your market and you have confidence in your product or service. You've given your business a snappy title and you've got the tools, equipment and stock to get going. You are ready to start your business journey. Or are you? Here are...
Many small businesses have very specific risks, and those that deal with their customers' physical health and appearance, such as beauticians, hairdressers, private osteopaths, chiropractors, and sports therapists, need very specific business insurance. Legal requirements for healthcare practices Any business that employs staff must have employers' liability...
Imagine the scene: you go to your business premises to start work, whether it's a café, retail outlet or workshop, and you find that there's been a break-in. There's a small amount of damage, (maybe damaged doors or a smashed window) and some goods or...
When you start set up as a sole trader, there are a million and one things to think about, including balancing the books. In fact, for most people, this will be the one they probably think about (or want to think about) least, but accounting for...
Starting up a small business takes guts and nerve. It also takes an ocean of other things, such as investment, skill, dedication…we could go on, but we think you probably already know this. And to keep a small business afloat takes drive and determination, as well...
According to research from independent advisory firm Quantuma, the current economic storm could see small and medium sized business insolvencies increase by 21% in 2022 from the figure posted in 2021. The firm suggests that around 6,500 SMEs are now at 'higher-than-average' risk of insolvency and...
