Concerned about crumbling concrete?

Reinforced Autoclaved Aerated Concrete (RAAC) has made the headlines recently for all the wrong reasons. This is due to concerns about the risk of sudden collapse in schools and other buildings where the material is used.

HSE highlights dangers from metalworking fluids

Businesses are being warned to make sure their staff are safe when working with metalworking fluids or coolants.

Cannabis farms and the importance of tenant referencing

The illegal cultivation of cannabis is a growing problem. Until recently, cannabis cultivation was generally large scale, often taking place in industrial units, remote warehouses and disused farm buildings, but since the Covid pandemic, police are increasingly finding smaller scale cannabis farms in residential private rented properties.

Organisations need to prepare for more frequent flooding

Climate change will force organisations and communities to prepare for flood events.

Work-related fatality figures published

One hundred and thirty-five workers were killed in work-related incidents in Great Britain in the last year, according to figures published on Thursday, July 6 by the Health and Safety Executive.

Preparing your business for autumn

With the summer months drawing to a close and the cooler weather around the corner, it’s a good time for businesses to reflect on their risk management strategies and plan for the changing season ahead.

Sustainability in the motor repair industry

Rising repair costs are putting pressure on the motor insurance sector, with the latest figures from the Association of British Insurers showing that the current average private motor insurance premiums are 15% higher compared to Q1 2022 and continuing to rise.

Storm Agnes to bring winds and rain

Storm Agnes has been named by the Met Office as the deep area of low pressure that will impact much of the UK on 27th September and into the 28th.

What’s the difference between engineering inspection and maintenance?

Engineering inspection and maintenance are both essential for many businesses, but people often confuse the two.

Children in the workplace

With many parents working full time, it may become necessary at times to bring young people into places of work, and/or work alongside family at home. This can highlight a number of risks specific to the situation, and we have guidance on following some simple best practices for minimising these risks.


Arson remains a large cause of large fire losses in commercial premises.

Buildings Safety Act 2022 – 10 key changes

Following the Grenfell Tower tragedy, an independent review of fire safety in buildings was completed, which culminated in a report that identified the need for significant reform.

An in-depth look at subsidence

The weather we see in this country never fails to surprise.

Lithium batteries in household items: care and consequences

We use products containing Lithium-ion (Li-ion) batteries every day and may often not even be aware.

Risks of being both underinsured and uninsured

The cost of living is at an all-time high and, -as a result, it is evident that businesses are either reducing their cover or cutting it completely.

Protecting keyless cars from theft

As the motor industry advances in more sophisticated and technological ways, so do the methods used by thieves to steal vehicles, in particular, through keyless entry systems.

Protecting customer data

Data is a valuable corporate resource. Businesses and organisations collect, store, and analyse data to; understand their customers, tailor products to better suit their needs, improve customer experiences and optimise production so they can sell more efficiently.

Protect Duty: The New Legislation Proposed for Businesses against Potential Terrorist Attacks

Major threats to national security include terrorism, espionage, cyber threats, and weapons of mass destruction, many of which impact the UK’s national infrastructure.

Employee theft jumps by a fifth as cost of living pressures mount

Employee theft has jumped by a fifth (19%) as the rising cost of living triggers a wave of workplace crime, new data suggests.

Spring Risk Management: preparing for the months ahead

As we all look forward to spring and to enjoying some warmer weather, the changing season is a good time for businesses to review their risk management practices.

FAQs on the Law of Negligence

Negligence is an act or omission (failure to act) which falls short of the standard to be expected of the “reasonable person”.

Psychological risks

Good work is good for our mental health, but psychosocial risks arising from work can have a negative affect on physical and mental wellbeing.

Changes to Car insurance

There’s so much to consider when buying a new car: how much will it cost? Will it have good fuel economy? Will I be able to insure it? Is it prone to theft?

Light commercial vehicles – managing the safety and technology gap

While this is in line with a shift in work trends, there are concerns that technology and safety lag in the light commercial vehicle sector.

Why is my car repair so slow and expensive?

The motor market has been volatile in recent years due to several factors.

Theft is on the rise, so what can you do to protect yourself?

Over the past twelve months the UK has faced a number of unsettling economic changes. We’ve entered into a recession, experienced national fuel shortages and are in the midst of an energy crisis.

Managing the risk of roof-mounted solar panels for community building owners

Solar panels are an increasingly common feature on the roofs of residential, commercial and community buildings across the United Kingdom. According to Government figures, there were 10,000 new solar panel installations each month in the first six months of 2022.

Rising construction costs and underinsurance

The cost of reinstating a building includes so much more than the bricks and mortar.

Mechanics warned of the life-threatening dangers of working under vehicles

Leading voices in motor vehicle repair have teamed up with the Health and Safety Executive (HSE) to warn of the dangers of working under vehicles without proper equipment.

Aviva Risk Insights Report 2023

Analysing the risks facing UK businesses

Operating Licence (O Licence) clarification following Tribunal decision

You’ll be aware that, other than where exemptions apply, companies using goods-carrying vehicles over 3.5 tonne gross vehicle weight (or over 2.5t gross vehicle weight if used for hire & reward in the European Union or other nominated countries) require an ‘Operating Licence’ to operate the vehicle legally.

Flash flooding guidance

The Met office has warned of serious flash floods and heavy thunderstorms expected over the next few days.

Winter risk in association with Aviva

From extreme weather to severe driving conditions, check out this essential winter risk management guide, created in conjunction with Aviva and designed to help you through the harsh conditions at this time of year.

Power outages and the potential impact on your business

The potential planned rolling blackouts this winter could have a range of impact to your business.

6 Myths about cyber insurance

As a business owner, you will no doubt have thought about the potential risks to your business and with cyber-attacks being regularly in the press, you should be thinking about how your business is exposed to the ever-increasing threat.

Will the risk and costs of legalising e-scooters outweigh the benefits?

With 31 regions across England currently trialling e-scooters as part of the drive towards Net Zero, David Nichols, chief claims officer at Zurich, considers what the consequences of legalising these vehicles will be for both insurers and policyholders.

Safety warning over winter blackouts as energy crisis ignites decade-long high in candle blazes

House fires sparked by candles have hit their highest level in more than a decade as people cut back on electricity to reduce soaring energy bills.

SMEs are facing increasing levels of underinsurance

The challenging economic environment in the UK is leaving small to medium-sized enterprises (SMEs) open to significant levels of uninsured risk.

What are Risk Management Information Systems and where do they add value?

Risk Management Information Systems are a necessary part of any risk mature organisation but what are they and where do they add value?

Supply chains and the impact of inflation

High inflation is causing supply chain disruption. Organisations need to act now to be resilient to the new reality.

Understanding the risks of hot work

Hot work is an integral part of many construction or maintenance projects, and with it comes multiple hazards that need to be managed, so it’s important to be fully aware of the risks and your obligations.

Why construction plant theft is still a problem

Construction sites continue to be targeted by criminals who recognise the financial value of plant machinery and equipment.

Rain and Flooding

By taking action to prepare in advance for flooding, most businesses can save 20-90% on the cost of lost stock and moveable equipment, as well as a lot of trouble and stress.

New UK law for tackling careless driving resulting in serious injury

Until now there was no official offence of ‘causing serious injury by careless driving’; consequently, when a careless driver causes serious injury, they could only be prosecuted for the offence of ‘careless driving’.

An in-depth look at subsidence

Such unpredictable and extreme weather prompts the recurring question, whether this will be a year where insurers see an overall increase in the number of subsidence claims reported to them.

Inflationary issues – Economic insight

Inflation, the energy crisis and supply chain disruption continue to be the key themes impacting the UK economy with the cost and shortage of food now becoming more of a concern.

Identifying, helping & preventing burnout

Rochelle Reddish, Rehabilitation Case Manager at Zurich Insurance has shared her insight into the occupational phenomenon “Burnout”.

Cancelled flights could become the new normal for UK holiday makers

Allianz SE shares their insight on the crisis hitting the European aviation industry and how the current uplift in cancelled flights could in fact become the new normal.

Fraud: the inevitable hazard

When it comes to fraud affecting a business it’s a matter of ‘when’, rather than ‘if’. Fraudsters are increasingly inventive: your team could be targeted, your relationships could be used … even your online profile could be a risk.

Adequate insurance coverage – The three pitfalls for SME’s

For SMEs facing squeezed margins, insurance premiums may seem like a grudge purchase. Some products may be regarded as a discretionary overhead among those who don’t fully understand their risks or how being underinsured could prove catastrophic to their business. Yet insurance can be key to SMEs’ ongoing survival by providing a financial safety net in unforeseen circumstances, when they are the least able to withstand substantial losses.

Use of hand-held devices while driving: Law change explained

There were a number of changes to the Highway Code published earlier this year which Aviva PLC has highlighted in this article and visual guide.
These updates have been closely followed by a change to the law in March 2022 regarding the use of a mobile device while driving.

Rechargeable Batteries: Storing Up Trouble?

The UK is seeing the emergence of battery storage systems to power the likes of homes and offices, to reduce the reliance on fossil fuels and conventionally generated electricity. Lithium batteries are increasingly becoming an integral part of all our lives.

Bicycles top ‘most wanted’ list by UK thieves

Analysis of data published by insurer Zurich shows a sharp overall drop in claims for burglary over the past four years but a steep rise in bike thefts, as they now top the list of the most-stolen household items.

Financial wellbeing and the cost-of-living squeeze

Many considerations need to be made in the current economic climate, and firms face the challenge of ensuring they make employee financial wellbeing a top focus while at the same time ensuring their businesses remain profitable during these uncertain times.

Helping businesses manage their cyber risk

The National Cyber Security Centre (NCSC) is encouraging businesses to bolster their cyber security in light of the events in Ukraine and the increased threat of cyber-attacks. For small and medium business owners, the current conflict might seem far-removed from the day to day running of their business but cyber threats are an ongoing threat.

Phishing – The need to educate & upskill our employees

Our employees must be given the knowledge on how to recognise “phishing attacks,” in fact, a check list may be a feasible starting point. We are all aware that these attacks exist and are on the rise, but if our employees could recognise and report the phishing emails, texts, telephone calls, adverts and websites that form part of the fraud, the threat can be reduced.

Help to prevent the Escape of Water

Escape of Water (EOW) is a term used to define a water leak in a property. It usually occurs in instances where there is a catastrophic burst or slow leak from the plumbing or heating system involving pipes and joints, but also appliances or even faulty bathroom sealant.

Industry specific risk management guides

Our insurer partner Axa Insurance have produced industry specific risk management guides to help you reduce the risks associated with your business and keep your business operational as well as protecting your staff and customers safe.

Why cyber risk should be a priority for every boardroom

A common mistake many organisations make is to leave responsibility for managing cyber risk to the IT department. In reality, improving cyber security and cyber resilience is an enterprise-wide challenge, which requires buy-in from every employee.

Risk management guide for the small to medium UK manufacturing businesses

While Manufacturing comprises just 5% of the UK’s businesses, it accounts for 10% of employment and 14% of turnover. Of the 270,000 firms that make up this diverse sector, just over half (138,050) are micro and SME manufacturers. Find some practical risk management advice for small and midsize manufacturing businesses:

Protecting your property from water leaks

Water leaks that go unchecked can cause thousands of pounds worth of damage and properties can take months to dry out before repairs can be completed. You may, therefore, need to relocate to alternative premises in order to continue to operate.

The Highway Code: Key changes you need to know

The changes follow a public consultation on a review of The Highway Code to improve road safety for people walking, cycling and riding horses. It ran from July to October 2020, and received more than 20,000 responses from the public, businesses and other organisations. The changes were made to The Highway Code on Saturday 29 January 2022. Here are the key changes that you need to know about:

Considerations of Contractors Professional Indemnity cover

Many contracting businesses who do not specifically design anything for a fee will be unaware of the potential risks they may face in not carrying Professional Indemnity cover. In the increasingly litigious society we live in, where it would seem that everyone wants someone to blame, should you consider cover just to protect yourself if something goes wrong?

What is Indexation and how does it impact your insurance?

There are several factors that now make indexation more important than ever. One factor is the significant rise in demand for building materials, and disruption to the global supply chain caused by the pandemic and national lockdowns. Certain elements of Brexit and local shortages of suitable labour are also affecting rebuilding and claims costs.

Employee fraud and theft

Whilst it’s not a risk you like to think about, the possibility of internal theft or fraud is one anyone who has employees or places trust in a contractor needs to take heed of.

Employing young people

Young people can be keen to learn and may bring fresh perspectives and ideas into the workplace. However, their capabilities are generally less developed than those of experienced and mature employees and their individual characteristics must be taken into account.

Cyber resilience before cyber insurance

The portion of businesses buying cyber insurance reportedly doubled in 2020. Unfortunately, the very same factors that led to this rush to buy, have also led to a change in the dynamics of the cyber insurance market. More cyber criminals are being drawn into the space by increasingly lucrative earnings, and this has led to a rise in frequency of claims.

Cyber vulnerability: Log4j update and actions

Recently, a severe vulnerability has been identified in Log4j which is a piece of software widely used by applications and other services across the internet. Read this article to find out more.

Four simple steps to enhance your cyber protection

The threat of a cyber attack remains one of the biggest potential risks for UK business owners. Taking these small steps will help ensure that your business is protected.

Risks and hazards in the hospitality sector

Food and beverage are the largest of the UK’s hospitality sectors and one of the UK’s biggest employers. While the industry is a dynamic and diverse one, businesses are exposed to a common set of risks – from property and equipment to the food itself and, of course, reputation.

The importance of prioritising both inspection and maintenance of machinery and plant

Not only does it help protect your staff and keep members of the public safe but it also helps to prevent interruptions to day to day business activities and potentially expensive repair costs.

2021 – Top ten risks facing UK businesses

The in-depth report shows increased concern in respect of the UK economy. With 44% of all businesses having obtained financial support during the Pandemic, the end of Furlough and increased energy prices it estimates 21% are struggling financially with expectations circa 8% are likely to close.

Underinsurance ‘made worse’ by rising construction costs

Recent data from has highlighted how on average, buildings are covered for just 68% of the amount they should be in Britain. However, with rebuild costs rising rapidly, the current situation is likely to be even worse.

Good ventilation in the workplace can help reduce the spread of coronavirus

As coronavirus spreads through the air, the virus can build up in poorly ventilated areas, increasing the risk of infection. It is a legal requirement for employers to ensure an adequate supply of fresh air (ventilation) in enclosed areas of the workplace.

Latest police data shows that £17.5m of tools were stolen in London last year

With almost £57,000 of tools stolen every day in 2020, according to data from the Metropolitan Police it’s more important than ever to ensure that you are insured.

What’s the difference between a labour only subcontractor (LOSC) and a bona fide subcontractor (BFSC)?

Explore the differences between a labour only subcontractor (LOSC) and a bona fide subcontractor (BFSC) and find out if you need Employers Liability Insurance.

Lack of Cyber Cover Leaves SME’s Exposed to Attacks

86% of SMEs do not have any cyber insurance in place according to a recent survey by Aviva.  This lack of insurance protection comes at a time of rapid digitisation, with statistics showing that 41% of SMEs updated their website in response to the pandemic while 39% moved online or improved their online offering.

Vaccinations and the workplace

The UK vaccination programme is the biggest inoculation campaign the country has ever undertaken. With over 43 million individuals now having had their first jab there are still demographics in the UK that have lower uptake as well as those who are reluctant to get vaccinated.

Returning to work safely as COVID restrictions in Scotland are eased

As lockdown measures ease in Scotland, businesses need to remain vigilant and make sure their COVID-secure measures, as well as other health and safety measures, are in place to protect workers, visitors and others.

Phishing attacks – how to identify the common types

Scammers send fake emails to thousands of people, with links to bad websites or asking for bank details and other sensitive information. Whatever your business, you will receive phishing attacks. This article contains the first steps you need to take to help you identify the most common types.

The Cyber Security Breaches Survey 2021

The Cyber Security Breaches Survey 2021 report shows the cyber risk to organisations is heightened because of the pandemic, which has made securing digital environments more challenging as organisational resources are diverted to facilitating home working for staff.

Reopening as Lockdown Measures Ease

Being COVID-secure means being adaptable to the current guidance and having measures in place to manage the risk of coronavirus. Key points for businesses to consider:

April is Stress Awareness Month

The rate of work-related stress depression and anxiety has increased in recent years, find out six key factors to consider when looking to manage stress in the workplace.

Rebuild Cost Assessment

Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten commercial properties in the UK are covered correctly. Read our article for some guidance on this issue.

FCA Policy Checker

Clients with business interruption (BI) insurance can now refer to a policy checker provided by the Financial Conduct Authority (FCA).

How to Avoid Underinsurance

Suitable insurance forms a vital part of business continuity planning – but how can you be sure that you are buying the right amount of cover? Here we share some top tips from ‘How to avoid underinsurance – A guide for small and medium-sized businesses’ produced by the British Insurance Brokers’ Association.

FCA Test Case Supreme Court Judgment

On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects.

Unoccupied Property Market Response – Lockdown 3.0

It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines.

Prepare your business for Brexit – Jan 2021

A post-Brexit trade deal could be sealed as talks between the UK government and European Union continue this week.  Before the weekend, both parties said that ‘no-deal’ was the most likely outcome. Whether or not a deal is agreed, you should ensure that your business is prepared for operating under new rules.

Loss Recovery Insurance

If you suffer a large loss, your main priority will be to get your business back on its feet again as soon as possible but dealing with the insurance claim can be a complex and time-consuming process. Find out how Lorega can help.

Brexit and Driving in Europe

It is now a legal requirement to carry a physical document known as a Green Card when driving in Europe.

FCA Test Case Judgment

The Financial Conduct Authority (FCA), the UK’s financial conduct regulator, brought court proceedings in July 2020 to test how certain business interruption insurance policies respond to claims arising from COVID-19.

COVID-19: Self-employed affected by pandemic can apply for new grants

The second stage of the government scheme to support the incomes of self-employed people through the Coronavirus crisis has recently opened.

Re-opening in the wake of COVID-19

The COVID-19 pandemic has interrupted many businesses across the country and many employers are now looking to the future of employees returning to work.

COVID-19: Preparing for a second wave

Are you ready for a second wave? You should start planning today so that your business is properly prepared if this happens.

Cyber: What is Phishing?

Phishing is a method that cyber-criminals use to gather personal information. Learn more about it and how you can stay protected.

Looking After Furloughed Employees

4 Million British workers have been furloughed during the COVID-19 crisis, this article helps to give guidance on how you can support any furloughed workers in your company.

Cyber risks of remote working

The Coronavirus pandemic has resulted in unprecedented workplace changes and now more than ever, it’s vital to ensure your remote working arrangements are secure.

COVID-19: Management liability

Claims culture and worker safety are hitting the headlines with some parts of the UK starting to return to work.

Returning to Work

COVID-19 has caused many businesses to shut down or transition their employees to work from home and now as many employees look to return to the workplace, you need to have a plan in place to ensure this is done safely.

Employer considerations during COVID-19

COVID-19 raises a number of liability concerns, particularly if employees are affected due to a business’ negligence.

Engineering Inspections Market Response

Following the government decision to put the UK into lockdown, inspection service providers sought guidance from the HSE and SAFed on the approach required for statutory inspections.

Support for businesses affected by Coronavirus

Download our guide which is designed to summarise Government measures and highlight other
sources of support to help identify which are applicable to your business.

Staying covered during COVID-19

The financial impact of Coronavirus is affecting individuals and businesses up and down the country – we understand how worrying this time may be for you. The Government is offering a range of support packages to help people through this difficult period and there is a range of support offered by non-governmental bodies.


In accordance with Government advice, most of our teams are now working from home. Our robust business continuity plan and cloud-based systems have enabled us to transition to remote working with no impact on client service. All our contact details remain the same, and we have the technology and people in place to deliver what you our clients need.

Business Interruption Market Response

Irrespective of whether or not the Government orders closure of a business, the vast majority of firms won’t have purchased cover that will enable them to claim on their insurance to compensate for their businesses being closed by COVID-19.