With the run-up to Christmas, the only thing stopping every aisle in your local supermarket from being overstocked with tinsel, gift sets, and the latest must-have toys is Halloween and Bonfire night. While you work to create the perfect 3-foot tall poltergeist for trick or treating, have a thought for all those whose lives become a little hellish at this time of year as the damage to property claims rise faster than a zombie with a scent of brains in its nostrils.
Back in the early 90's, I was one of the lucky first few to try out a new shooting game that had come to the UK. Q-ZAR (later called Quasar) had been a huge hit out in Australia and thanks to the company I worked for at the time, Arlington Leisure; I was going to be one of the first to try it out in the UK.
Okay, Big Brother may not be watching you but in this modern age of Social Media and Whistle Blowers are you leaving yourself open to legal action?
It may seem like a good idea to withhold information when obtaining insurance, but with the onset of the Insurance Act brokers, insurers and underwriters are more active in ensuring they are providing an open and honest service. Part of our service is to check every activity carried out by your business meticulously. The reason we do this is so that should you need to make a claim the insurer will honour your policy.
I just recently had one of those holidays, you know the sort where you look forward to returning to work. Grey skies and a photo that tormented me for three whole days, yes my new work PC had arrived. The office manager thought it would be thoughtful to send me a picture of it sat longingly on my desk while I was 200 miles away.
I returned to a mountain of reports I needed to get done, and the PC just sat there, teasing me. I took it and stuck it under my desk determined to get my reports done first.
Liverpool's Merseyside for many is synonymous with great music and top talent. Merseyside and music just go hand in hand especially for the generation that grew up in the 60s, ask anyone to name a singer from that era, and you'll hear Cilla Black, The Beatles, Gerry and the Pacemakers just to name a few. Back in the 60's entrance to the famous Cavern Club was one Shilling and sixpence. For younger readers that's 18p, but a pound back then had 240 pennies, simply put you could go to the Cavern Club, watch the Beatles and get in a round of drinks for you and your mates for £1.
Stop! Before you read further, it would be a good idea to go and grab your Liability insurance documents. Why? Well, because together we are going to check something important. Recently our brokers, while talking to roofing contractors like yourself, have found many are unaware of important conditions in their policies concerning working with heat.
I don't know about you but me personally I hate driving around in a dustbin. Regardless of your level of slobbishness, it's important to keep your car clean. However, paying for a detailer to make it pristine can be a costly affair, at the same time doing it yourself can also be expensive not to mention taking up your precious time.
Business insurance doesn't work like arranging personal lines insurance such as your car, house or travel. Brokers and advisers need time to prepare a proposal, and then they will negotiate with underwriters and insurers to obtain the best policy for you the client. Many small businesses today leave getting a quote until the last minute, and while this is often okay for some trades for others, it can be very costly.