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Jargon-busting insurance terms isn’t usually the most exciting past time, so we thought we’d bring a bit of humour into it and give an alternative low down of the role of loss assessors and loss adjusters. What is a Loss Assessor? A Loss Assessor is one of the first people on the scene to see […]

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Self-employed fitness instructors need insurance to protect from loss of income due to illness or injury, and any claims that are made by a third party – even when working on someone else’s premises. Here is what cover you should have and why… Pubic Liability Insurance It isn’t a legal requirement for a freelance fitness […]

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It’s the golden rule of acting, “never work with children or animals” – but in real life you just don’t have that much control. Here are a few examples of kids and critters that have sparked an insurance claim! Melted laptop keys After a small child spilled their favourite fizzy pop on their grandfather’s laptop, […]

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Should something occur to disrupt your business, you could lose revenue, incur unforeseen expenses, and ultimately see your profits reduced. While having Business Interruption Insurance in place can reduce the impact, a solid Business Continuity Plan (BCP) can be the difference between float and fail. Make a list of risks that could impact your company. […]

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Should a disaster happen, your business may need financial support to keep things operating as usual. This is where Business Interruption insurance comes in – a policy designed to give your business the help it needs to carry on regardless. The impact a disaster can have on a business can be varied: Lost sales or […]

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The Insurance Act 2015 came into force on 12th August 2016. Amongst other things, this new Act replaced the doctrine of Utmost Good Faith with a Duty to provide a Fair Presentation of the Risk. As such, Proposers will be asked to provide a Fair Presentation of their present knowledge before cover commences, and existing […]

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Cyber Insurance protects companies in the event their data is hacked and financial loss or distress is possible or has occurred – but the cost of the covering of these events may actually outweigh the risks that most SMEs face. For companies with large databases of confidential information, cyber insurance is probably an essential requirement […]

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