Category: Uncategorised

Do you have a project that has been completed but you don’t have an Insurance Backed Guarantee in place from the builder? Continue reading “Insurance Backed Guarantee”

Insurance for high risk trades can often be an expensive business for obvious reasons. However using a specialist broker who understands these specific needs and knows which insurers are best suited to your requirements can help you to get the best deals.

Here are some of the most common high risk trades and how a specialist broker can help with insurance for each. Continue reading “Insurance for types of high risk trades”

We have quite a few new Motor Fleet Insurance customers come to us due to a severe increase in their renewal premiums. Is it too little too late or can we pull a rabbit out of the bag and get the cost of their increasing Mini Fleet and Fleet Insurance premiums down.

Unfortunately, in most cases there is no magic to be performed as the claims clients are having and the frequency they are having them at far outweighs there premium. The result when this happens is the fleet insurance market looks at the presentation when presented with it, sees the risk will only lose money and either decline or place extremely high premiums on it. Continue reading “Things to consider for your Fleet insurance and Mini Fleet Insurance”

Roofing is a vital component of construction, providing safety and shelter to buildings. However, for those who install and maintain roofs, the profession comes with substantial risks. Roofers face a combination of physical, environmental, and occupational hazards, making their job one of the most dangerous in the construction industry. In fact, roofing is officially recognised as one of the top ten most hazardous occupations in the world. Continue reading “Why Roofers Face Extreme Risks Every Day on the Job”

The trend of self-build projects is on the rise, driven by the appeal of customisation and cost control. Building your dream home, whether as a DIY project or with the help of a professional builder, offers the unique opportunity to create a space that perfectly suits your needs and preferences. However, this exciting journey comes with significant financial and legal risks. Protecting your investment with the right self-build insurance is crucial. Continue reading “What is self-build insurance, and why do I need it?”

Vacant properties, defined as buildings that are unoccupied for an extended period, require specialised insurance coverage due to the unique risks they face. These properties are often at higher risk of vandalism, theft, and water damage, making them more vulnerable than occupied structures. The need for proper insurance is critical to protect against financial losses and legal issues that can arise from these heightened risks. Continue reading “Understanding the Risks of Uninsured Vacant Properties”

The plumbing and heating profession plays a crucial role in maintaining and installing essential systems in residential and commercial buildings. These professionals are tasked with ensuring that water, heating, and gas systems operate safely and efficiently. However, this line of work is inherently high-risk, involving potential hazards such as working at heights, handling hazardous materials, and operating in challenging environments like unfinished buildings or basements. Continue reading “Safeguarding Plumbing & Heating Professionals with Insurance”

Basement construction involves complex and specialised work, making it essential for contractors to have proper insurance. The risks associated with excavating, extending, or converting basements can lead to significant financial losses if not adequately covered. Insurance for basement contractors provides crucial protection against unforeseen issues such as utility damage, water table problems, and subsidence. Continue reading “The Right Insurance for Every Basement Project”

The development of infrastructure is vital to the growth and prosperity of communities. It involves creating and maintaining essential facilities, services, and systems that support daily life and economic activities. Roads, sewers, bridges, and other infrastructure projects are integral to connecting people, facilitating trade, and attracting investments. However, these projects often require significant financial resources, and this is where bonds come into play as a crucial financing solution. Continue reading “Understanding Road and Sewer Bonds for Infrastructure Development”

Unforeseen events can impact any business, especially in the construction industry, where risks are abundant. Contingent liability insurance is a vital tool that safeguards construction businesses from these uncertainties. It’s a form of protection that steps in when other insurance policies fall short or fail to cover a specific incident. This type of insurance is essential for construction projects, where the potential for unexpected events is high, and the financial fallout can be devastating. Continue reading “Navigating Construction Risks with Contingent Liability Insurance”