Intelligence-led residential burglary risk in high-net-worth properties

Residential burglary affecting high net worth (HNW) households has transformed over recent years.

London’s luxury watch theft crisis: what insurers and clients need to know

London is gripped by a persistent wave of high-value watch theft, presenting a significant challenge for insurers and their clients.

Living with electric vehicles (EVs): considerations for fleet managers and motor traders

Back in November 2020, the Government announced a ban on new sales of petrol and diesel cars, vans and pickups by 2030, followed by diesel lorries from 2040

Understanding underinsurance and the risks of being underinsured

Underinsurance occurs when a business’s insurance coverage is not enough to fully cover potential losses.

What is index linking?

Index linking is the amount applied to insurance policies by insurers, designed to safeguard the sum insured against changes in the economic environment.

Beyond the boardroom: Who is Directors and Officers insurance for?

Directors and officers (D&O) liability insurance plays a vital role in protecting the senior executives of the UK’s largest corporates.

Vape fires still rising, one year on from the disposables ban

One year on from the ban on disposable vapes and e-cigarettes there are signs it is failing to cut the number of fires involving the gadgets, according to FOI data obtained by Zurich Insurance.

Why risk management matters for newly formed public sector organisations

The creation of a new public sector organisation – whether through local government reorganisation, service integration, mergers or the establishment of new delivery bodies – is a moment of both opportunity and vulnerability.

Helping councillors to protect their personal safety

Local councillors represent the grassroots of democracy in the United Kingdom. As public servants responsible for taking decisions that shape the communities they serve, they expect their actions to be scrutinised – and even criticised.

Gas canister risks for housing associations

Portable gas canisters, such as butane and propane, are increasingly common in homes because they’re affordable and easy to use.

But in social housing or managed residential settings, they come with serious safety risks, potential financial burdens, and regulatory challenges.

What the latest data tells us about flood risk – and how to manage it

Flooding affects more people globally than any other type of extreme weather event, and new data highlights the scale of the problem in the United Kingdom.

Top 5 trends in the construction insurance market

The construction industry is constantly evolving, and with it, so is the insurance market that supports it. From the way projects are insured to the technologies shaping new builds, insurers must adapt quickly to keep up.

Designing vehicle risk ratings fit for the future

Today’s motor vehicles may look very different to those our great-grandparents drove but the underlying technology – a driver-operated internal combustion engine – hadn’t changed in more than 100 years.

Don’t get haunted by fraud: Spotting ghost brokers

In the UK, ghost brokers have become a growing concern in the motor insurance industry, using crafty tactics to trick people into buying fake policies.

Ransomware: Don’t let cybercriminals hold your business hostage

Ransomware attacks are a growing concern in the insurance world.

To notify or not to notify: Key considerations for Professionals

Recent global events have shown that resilience is vital for organisations to survive and thrive during turbulent times.

Helping to protect your business from the growing threat of storms

As climate change continues to influence weather patterns, the frequency and intensity of storms are expected to rise in the UK.

Protecting businesses from unexpected machinery downtime

With most businesses operating under time pressures, a broken down machine can spell disaster.

Why Having Accurate Reinstatement Cost Assessments is Essential for Property Insurance

Property remains one of the most significant assets for owners and investors, with insurance providing essential protection against unexpected events.

Keeping small and medium sized businesses legal

Owners of small and medium sized businesses (SMEs) often find themselves doing everything from hiring staff to drawing up supplier contracts, but taking on all these responsibilities without advice can leave an SME owner open to legal action.

The key to securing motor trade premises

As car security advances, thieves have shifted their focus from vehicles themselves to the premises where they are stored, increasingly looking for keys, exploiting flaws in new technology and leveraging human error.

EV Charging Safety: Guidelines for Best Practice

Electric vehicles (EVs) are a common sight on our roads. As organisations embrace sustainability, many are installing EV chargers at their sites.

What is Legal Expenses Insurance?

Legal problems can happen to anyone. Whether you’re a charity, council or school, you might face a legal dispute at some point.

What are the insurance requirements for side hustles?

More people than ever are thinking about starting their own business, and the side hustle trend is booming – especially among younger generations.

Managing Solar Panels on your Village Hall

It’s easy to understand why demand for solar power is on the rise

Data: A powerful tool for managing risk

In today’s dynamic and often unpredictable business landscape, risk is an ever-present factor.

Weathering the challenges of aging wind turbines

Onshore wind is a key part of the government’s plans to become a clean energy superpower.

Ensuring vehicle safety: The critical role of Advanced Driver Assistance Systems Recalibration

As motor vehicles continue to evolve, they increasingly incorporate advanced safety systems designed to warn drivers of potential hazards.

Shining the Spotlight on Environmental Impairment Liability

The insurance landscape is always evolving, and one area that has seen significant development is Environmental Impairment Liability (EIL) insurance.

Mitigating escape of water losses: A bitesize guide for property managers

Escape of water incidents can cause extensive damage to properties at significant financial cost and disruption.

Trade tariffs: What are the risks for supply chains?

The radical overhaul of US trade policy announced on April 3, which triggered high volatility in global stock markets, heralds a major departure from the free and open global trade environment that has marked much of the post-war period.

Motorists warned as deer collisions spike in spring

Spring has sprung but motorists are being warned to be extra vigilant as fawning (birthing) season leads to a 45% surge in deer vehicle collision claims.

Directors and Officers Responsibilities: Vulnerabilities amid cyber threats

It is now more important than ever for directors and board members to manage cyber incidents effectively by arranging adequate protection against losses arising from cyber events.

Window manufacturing company fined after worker seriously injures hand

A window manufacturer has been fined £100,000 after a teenage worker had two fingers severed by a cross-cutting saw.

Safer trucks: Protecting vulnerable road users

It has long been known that lorries, trucks and other large vehicles pose a higher risk on our roads, particularly to vulnerable road users such as pedestrians and cyclists.

Directors and Officers: Risks trends and exposures in 2025

Brendan Husband-Whiting, senior management liability account underwriter at Allianz, explores the risks facing directors and officers in 2025 and explains why the time is right to take out insurance cover. After the challenges of high interest rates, double-digit inflation and a pandemic, the UK’s economy is beginning to show signs of improvement. But, while there…

Lithium-ion battery incidents affect more than half of businesses

Aviva research suggests that more than half of businesses have experienced an issue linked to lithium-ion batteries, such as sparking, fires and explosions.

A business case for fixed fire protection

One of the most effective ways of protecting your property is to invest in comprehensive fixed fire protection (FFP) systems, for example, property protection sprinklers.

Company fined after barn roof fall

A company has been fined £133,000 after a man was left seriously injured when he fell through a barn roof in Southampton.

One in five cars damaged by potholes has to be written off

Data from insurer Allianz reveals that one in five (21%) insurance claims where a vehicle hit a pothole leads to the vehicle being declared an insurance write-off.

Average cost of battery fire claims hits £50,000

Data released today by insurer Allianz reveals the high cost of fire-related claims involving lithium batteries.

The average cost of these claims is £50,000, with fires caused by leaking and damaged batteries and overcharged e-vehicles combusting at home.

Fine for construction company after father of three left paralysed

A father-of-three was left paralysed from the chest down after falling through a ceiling at a house renovation in Derbyshire.

Manchester engineering firm fined after apprentice loses fingers

A Manchester-based engineering company has been fined £500,000 after a young apprentice lost the use of two fingers when using a horizontal bandsaw.

Hosting a Safe Christmas Light Switch-On Event

The Christmas light switch-on event is a highlight of the festive season, bringing communities together to celebrate and mark the start of the holiday period. Organising such an event requires careful planning for the safety and enjoyment of all attendees

Holiday Preparation for Village Halls and Community Buildings

Whether you’re closing your property for a couple of days or a couple of weeks, it’s important to prepare your community building if it will be unoccupied.

How to prepare for a flood

Flooding is one of the most common and devastating natural disasters, affecting millions of people worldwide each year

Electric Vehicle Infrastructure: An Emerging Risk

The rapid adoption of electric vehicles (EVs) is undoubtedly positive for our planet’s transition from fossil fuels, but they come with a whole new set of risks to people and property.

Avoiding Underinsurance in Construction

Underinsurance in the construction sector can pose significant risks, leaving projects vulnerable to financial losses in the event of unforeseen events such as natural disasters or accidents.

Company fined £1m as employee suffers serious injuries

A logistics company has been fined £1 million after an employee fell over 10 metres and sustained serious injuries.

Insurance for Charities: Essential Coverage and Best Practices

Charities play a vital role in society, providing indispensable support and services to those in need.

Stay alert to cyber attacks

With a greater reliance on technology than ever before, there’s been an increase in the frequency and severity of cyber threats and attacks.

Human factors: HSE issues major accident warning to offshore firms

Britain’s offshore oil and gas installations are held to high regulatory standards, but human error can still lead to a major incident.

AI driven data analytics– a solution for battery energy storage fires?

The global utility scale battery energy storage sector is having its moment.

Repairing the skills gap

A shortage of skills in the motor repair sector is fuelling claims costs and pushing up motor insurance premiums.

Lithium power in construction: managing risk alongside innovation

Lithium battery power has changed the way we live our lives and whilst not a new innovation, over recent years, has been increasingly favoured on construction sites.

Recycling company fined after workers exposed to wood dust

The long-term health of workers at a wood waste recycling centre was put in danger due to excessive exposure to the dust their work created, a Health and Safety Executive (HSE) prosecution has found.

Reminder for farmers to keep visitors safe this summer

Britain’s workplace regulator, is calling on farmers to do all they can to make sure those visiting their farms are kept safe and healthy.

Biggest threats facing SMEs in 2024 revealed by Allianz

New research by Allianz Commercial has found that inflation continues to be the biggest threat facing small and medium-sized enterprises (SMEs) in 2024.

Company fined for worker injury

A company in Manchester has been fined £20,000 after an employee fell through a roof and suffered serious injuries.

The importance of setting an appropriate indemnity period

Underinsurance in business interruption (BI) policies is common, and can jeopardise an organisation’s ability to fully recover following a loss.

Insurance fraud – claims exaggeration

Public perception that it’s acceptable to exaggerate an insurance claim, on the basis that it’s a victimless crime, has shifted in recent years

Underinsurance – a continuing issue

All businesses are open to risk if they don’t have the correct level of insurance, and some, more than others, may be at risk of financial hardship as a result of being either underinsured or uninsured.

A10-step guide to help you and your business prepare your cars for spring

New Aviva data reveals that winter weather – such as wind, snow, sleet, rain and ice – accounted for thousands of motor claims over the last few years*.

The High Cost of Cutting Corners: Lessons from the Winchester Asbestos Case

In a recent court ruling, a company director found himself facing an eight-month jail sentence for failing to protect workers from asbestos exposure during a refurbishment project.

A Costly Mishap: Metal Company Fined £12,000 for Worker’s Life-Altering Injury

When it comes to workplace safety, cutting corners can have devastating consequences. A recent case involving a metal processing company in Oldbury, West Midlands, serves as a sobering reminder of this fact.

Closure of BT Redcare Operations

On 31st January 2024, BT announced that they had made the decision to close all BT Redcare operations on 1 August 2025.

Fraudsters Target Property Insurance Claims Amid Cost-of-Living Crisis

As British households continue to feel the squeeze from the soaring cost of living and high interest rates, some are resorting to fraudulent means to make ends meet. New data from Zurich UK reveals an alarming 88% spike in fraudulent property insurance claims over the past two years.

Electrical Shock Horror: Company Fined After Worker’s Devastating Injuries

A company has been fined £40,000 after an electrical flash inflicted severe burns on one of its workers.

Building Digital Resilience: Tackling Cyber and AI Risks

In today’s digital age, organisations are heavily reliant on technology, making digital resilience paramount. This involves fortifying defences against two primary risks: cyber threats and artificial intelligence (AI) risks.

A New Era of Safety for High-Rise Residents

If you live in a high-rise residential building in England, it’s time to familiarise yourself with the new building safety laws that put your rights and well-being front and centre.

Pothole prangs rise as motorists enter most dangerous month

The number of potholes plaguing Britain’s roads is on the rise

Metalworking fluids: Most businesses inspected ‘not doing enough’ to protect workers

Back in September last year, the Health and Safety Executive (HSE) announced it was carrying out inspections. Since then more than half of those checks have identified failings.

Improve fire safety in commercial kitchens

Kitchens have all the ingredients for a devastating fire.

Cold weather working: Helping workers stay safe and warm

Employers are being reminded of their responsibilities to keep workers safe as the first spell of cold weather is set to hit the country.

Keep people safe from future dangers of asbestos, regulator warns

Buildings that people use in their daily lives, such as workplaces, schools and hospitals are the focus of a new campaign to keep people safe from asbestos.

Top five risks of solar energy

The use of green energy is crucial in the fight against climate change and it’s clear that renewable energy sources will gain prominence over the coming years as technology improves. This is a very good thing.

The importance of an effective electrical maintenance programme for managing fire risk

Whilst electrical fires are among the most common cause of fire, an effective maintenance programme can reduce risk and improve business resilience.

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

Over the past 12 months, the UK has faced a number of unsettling economic changes.

Installing a key-safe

Installing a key safe is a great way to allow key sharing with lots of people, but it is worth considering whether a key safe is necessary in the first place.

HSE to visit farms as part of national inspection campaign

Farmers are being reminded they must change their attitude towards safety as Britain’s workplace regulator readies itself for a wave of inspections in the coming months.

Tips for managing a remote workforce

Many employers have quickly responded to the calls of social distancing to reduce the spread of the coronavirus (COVID-19) by allowing or even requiring employees to work from home.

Construction Insolvencies Rising

The construction sector has always been one of the most vulnerable to insolvency.

The difference between surviving and thriving

The challenging economic climate continues to impact companies across many sectors, and senior leaders are feeling the pressure

The Major Threats to Life in the Motor Trade

The annual death rate in the motor vehicle repair industry is 1.6 deaths per 100,000 workers — around four times the average rate across all industries. So, in this potentially hazardous industry it is the task of the employer, to protect workers by identifying the risks and minimising the impact of those risks. Failure to learn from near misses or injuries will risk lives. 

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

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 RebuildCostASSESSMENT.com 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.

COVID-19

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.