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You wouldn’t want to hear that your insurance won’t be enough to cover a claim. Businesses across the UK that are already struggling, thanks to surging inflation and its knock-on effect on the cost of living, may not be able to survive the consequences of being underinsured. Our insurance advisors regularly speak about this issue … Read more

What is underinsurance? Your insurance premium is calculated based on your individual circumstances and the amount of cover you choose to take out to protect your business. Underinsurance occurs when you’ve not taken out the right amount of insurance cover for your needs and there will be a variety of factors to take into account … Read more

ERN

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

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The complex nature of employment laws means that companies need to keep up to date with changes to legislation and regularly review and update internal procedures. For businesses of any size, employment related claims represent a potentially damaging and negative exposure both financially and reputationally. The company may face claims from past, present or prospective … 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

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