Andy Wall, Author at Darwin Clayton
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What is an ERN? The Employer Reference Number (ERN), also known as the Employer ‘Pay As You Earn’ (PAYE) reference, is a unique combination of letters and numbers that HMRC uses to identify your business when calculating tax for your employees. It is an important piece of information that you should hold on to once … Read more

We are delighted to celebrate our fourth award win within a year, at the 2020 British Insurance Awards We are delighted to have won the ‘Commercial Lines Broker of the Year – SME/Mis-Corporate’ award at the 2020 ‘British Insurance Awards’. This follows on from our ‘Schemes Broker of the Year award’ at the ‘UK Broker … Read more

Awards Trophies

Insurance brokers Darwin Clayton won their 2nd Schemes Broker of the Year award within a year of their double award win at the Insurance Times awards in November 2019. The awards took place virtually due to Covid-19 restrictions, with the black-tie event being replaced by a video announcement of the winners, and a large number … Read more

Business interruption insurance (BI) provides cover for financial losses due to an interruption to a business caused by material damage to property. Cover is typically incorporated into a package or commercial combined policy. Typical cover provided There are 3 key elements to consider with a business interruption policy: The time period for which the interruption … Read more

We enjoyed a memorable night at our first Insurance Times Awards, winning both the 2019 Commercial Lines Broker of the Year and Schemes Broker of the Year awards. The awards, hosted by actor and comedian Greg Davies, took place at the Grosvenor House Hotel in London on Friday 22 November. These award wins come in a … Read more

Imagine you have the opportunity to invest £100,000 for your company, with a 70% chance of providing a 20% return within five years. Do you decide to go for it? Now consider whether your decision would be different if you could be held personally liable for making the wrong decision; your home and other assets … Read more

Darwin Clayton have been nominated for 2 awards at this year’s Insurance Times Awards. “We are delighted for the third consecutive year to be Insurance award finalists. There are over 2000 insurance brokers in the UK & we are therefore thrilled to have been nominated for both the Commercial lines Broker of the Year and … Read more

Serious fires originating in outside storage are a frequent occurrence, due to the range of occupancies commonly encountered there, often resulting in widespread destruction and major business interruption. Understanding the Risk Outside storage is commonly encountered in a wide range of occupancies in the form of raw materials, partly manufactured products or components, crated finished … Read more

Helmet, hard hat on the road construction site

Liabilities associated with managing contractors, and the duty of care owed to them, is often misunderstood or even ignored, despite increasing evidence of the liabilities for failing to appoint and manage such contractors. The term contractor applies to anyone you get in to work for you who is not an employee and will include individuals … Read more