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Businesses often require protection across multiple risks, but managing individual policies for each one can lead to complexity, duplication, or gaps in cover. Commercial combined insurance offers an efficient way to group essential protections into one package that suits the specific needs of the business. In this guide, we explain how commercial combined policies can […]
Running a hotel in the UK can involve managing a wide range of operational risks. From fire and flooding to equipment failure and unforeseen closures, these incidents can cause significant disruptions to trading. Loss of income during downtime may have a major financial impact, especially in the hospitality sector where margins can be sensitive to […]
Read More… from Hotel Business Interruption Insurance: Protecting Your Profits During Downtime
Hotels in the UK have a duty to provide a safe and secure environment for their guests. However, even with robust security measures in place, there can be incidents where guest belongings are lost, stolen, or damaged during a stay. For hotel owners and managers, understanding whether hotel insurance can offer protection for guest property […]
Read More… from Guest Belongings Insurance: Does Hotel Cover You for Loss & Damage?
When running a bakery, protecting the business means looking beyond just ovens and cakes. Bakery insurance can cover a wide range of risks. Many bakeries arrange several types of cover together, known as bundling insurance. This helps ensure the right level of cover without missing key protections. We explain which types of bakery insurance can […]
When running a butcher shop, looking after customers is key. But accidents can happen. Public liability insurance for butchers is there to help protect against legal costs and claims if someone gets hurt or property is damaged. We help explain why public liability insurance matters for butchers, what it can cover, and how brokers can […]
Read More… from Public Liability Insurance for Butchers: Customer Safety and Legal Protection
Running a florist shop involves more than creating beautiful bouquets. From looking after fresh stock to serving customers safely, there are many risks a florist business could face. Florist insurance is designed to help protect against unexpected problems, helping to cover costs if something goes wrong. We explain what florist insurance covers, why it matters, […]
Read More… from From Bouquets to Broken Windows: What Florist Insurance Actually Covers
By law, customers must fully and accurately complete all of the questions on the insurance form. Previously, the law instructed customers to declare all ‘material facts’, regardless of the questions on the form. However, a recent change to the law states that it is now the insurer’s responsibility to ask the right questions. When seeking […]
Running a haulage business in the UK is complex and competitive. Heavy goods vehicles (HGVs) keep supply chains moving, but they also face unique risks on the road and at depots. Standard commercial vehicle cover often leaves costly gaps. To stay compliant, protect assets, and keep business moving, specialist HGV insurance is essential. This guide […]
Read More… from Why Every UK Haulage Business Needs Specialist HGV Insurance
Running a haulage business means taking on constant risk. From long motorway journeys to city centre deliveries, every mile carries exposure to accidents, damage, and costly claims. HGV insurance is designed to protect your vehicles, your drivers, and your company’s reputation. Without the right cover, even one major incident could stop your fleet in its […]
Read More… from HGV Insurance Explained: Protecting Your Lorries, Drivers and Business
Running a haulage business in the UK is challenging enough without dealing with the wrong truck insurance. Rising fuel costs, stricter road safety laws and supply chain pressures mean your vehicles need reliable protection. Yet many operators unknowingly take out policies that leave gaps in cover. These gaps can lead to expensive claims and dangerous […]
Read More… from Top 5 Truck Insurance Mistakes UK Haulage Operators Must Avoid