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The Coronavirus pandemic changed the shape of many business models, not least for the commercial property owner. Commercial landlords saw their retail and hospitality tenants suffer all sorts of troubles during the COVID health emergency and only now, two years later, is the outlook beginning to...
As a commercial property owner, any damage caused to your premises can seriously affect your cashflow and profitability margins. If you are the owner occupier of a premises from which you do business, commercial buildings cover should be an essential part of your business insurance package. If...
As a sole trader or SME, you may have to wear many hats: Accountant, Marketing Manager, Labourer, and Cleaner. And now, Fraud Prevention Manager: there's a lot to think about when you run your own firm. While having sufficient business insurance cover protects you from a...
Employer's liability insurance is a legal requirement for almost all employers, even if you only have one member of staff. This type of business insurance covers employers for claims made against them by employees who have suffered illness or injury during the course of their employment....
If you work for yourself, rather than being employed, you may be wondering whether you should call yourself a sole trader or self-employed. What's the difference between being a sole trader and self-employed? The terms sole trader and self-employed let others know that you do not work...
There's not much to say about COVID-hit 2021that hasn't already been said, but here we take a look at how some tradespeople, particularly in the building and renovation sectors, have been affected by pandemic-related issues. Tradespeople and supply chain problems Supply chain issues caused material shortages for...
Employers Liability Insurance and Home Working If you are an employer whose business model has been changed by COVID-19, you may need to rethink your business insurance cover. Many of your staff may still be carrying out at least some of their working week at home, but...
Latest data from the Financial Conduct Authority (FCA) on October 5, has revealed that around 68% of UK business insurance policy holders who have made a claim in respect of COVID-19 business interruption, have received an interim payment or more. A total of more than £1.10...
Here we answer some of the most frequently asked questions about public liability insurance. Let us know if you have any other queries that aren't answered below. What is public liability insurance? Public liability insurance (PLI) is an insurance product for businesses. Whether you are a sole...
As a small business you may sometimes need to rely on subcontractors to fulfil projects and it's important to know whether your tradesman insurance covers you in the event of a problem or claim. It's a bit like using a hard hat – you need...
