Why speed, flexibility and clarity matter in underwriting

Underwriting - speed, flexibility and clarity

In today’s insurance landscape, brokers face increasing pressure to deliver fast, accurate solutions for clients – often with tight deadlines, limited information and an evolving risk environment. At the same time, standard markets can be slow, inflexible or difficult to navigate when a risk doesn’t fit neatly into a predefined box. That’s why speed, flexibility…

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Tools in vans overnight – what contractors need to know about insurance

Tools in vans overnight - contractors insurance

For many contractors and tradespeople, tools are more than just equipment – they’re essential to making a living. Unfortunately, they’re also highly attractive to thieves. Vans parked overnight are frequent targets, and the consequences of tool theft can be severe – financially, operationally, and emotionally. Here we explore why leaving tools in vans overnight is…

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Construction risks: What brokers need to know to help their clients

Construction Risks

Placing Contractors All Risks (CAR) insurance isn’t just about ticking a compliance box. In a sector where pressures can shift overnight, the risks facing construction firms are constantly evolving. From delayed materials and labour shortages to theft and extreme weather, brokers have a crucial role to play in helping clients protect their projects as well…

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Unoccupied property and insurance – what you need to know

Unoccupied Property and Insurance

If you own a commercial property, there may be times when it’s left empty – whether that’s due to renovation works, a change in tenancy, or simply between business operations. While this may seem low-risk, unoccupied properties are significantly more vulnerable to issues such as theft, fire, escape of water and malicious damage. For this…

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A broker’s guide to placing Landowners’ Liability insurance

Landowners Liability - Brokers Guide

Placing liability cover for landowners can be tricky. While land-only risks are common, they’re often misunderstood – and getting it wrong can leave your clients exposed to costly claims. From development plots and ransom strips to private woodlands and unadopted roads, land brings a wide range of potential hazards. As a broker, you need an…

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Who Needs Contractors All Risk Insurance?

Who needs contractors all risks insurance

Construction projects can be unpredictable. From bad weather and theft to accidental damage on site, there’s a lot that can go wrong before a job is finished. Contractors All Risk Insurance (often called CAR Insurance or Contract Works Insurance) is designed to protect the works, materials, plant and equipment during construction – giving you a…

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Cyber Insurance – what businesses need to know

Cyber insurance

Cyber insurance has become an increasingly important topic in today’s risk landscape, especially following a string of high-profile cyber attacks on major businesses like M&S, Co-op, Adidas, and North Face. But it’s not just large national or global companies that are at risk. Small and medium-sized businesses are frequently targeted by cyber criminals too. In…

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