Archive for Bromwall News
Squatting To Become a Criminal Offence
With effect from September 2012, squatting will become a criminal offence. This will come as a great relief to property owners and home owners who have unoccupied property. At present the law treats squatting as a Civil offence however from the 1st September 2012 it will now be treated as a criminal offence. This [...]
Read moreSocial Media Insurance
The use of Social Media is growing. More and more of us are using Facebook, Twitter, Linked in, Google + and the like. Not only is it being used by individuals but also business. This is great as it delivers huge opportunities for everyone but what about the darker side? Businesses are being exposed to [...]
Read moreDriving on Business
Do you drive your own vehicle for business? Or do you allow your staff to do the banking or visit clients? If so, you must have business use on your motor insurance. A business has a duty of care and a civil responsibility to ensure the vehicle being used is fit for purpose. In the [...]
Read moreBusiness Interruption
With the riots in 2011 and the upcoming Olympics it is more vital than ever that businesses make sure they have adequate cover under their business interruption insurance. A recent insurance industry survey announced that small businesses appear to be the most at risk from the effects of major disruption. So what should you do? [...]
Read moreGoogle+
Bromwall are now are on Google +. Follow our posts and news and keep up to date. Follow us by clicking the tab below (you will need to register on Google + first). If you have any questions or queries or wish to discuss your insurance, please contact us on 01707 883377 or [...]
Read moreRisk Management Advice
All businesses need to think about their risk management and in doing so you can keep your liability premiums at an affordable rate. So what do you need to do? 1) Staff training is essential and must be recorded. Obtain the employees signature every time. This will reduce the possibility of a solicitor suing for [...]
Read moreHappy With Your Insurance Broker?
Are they easily contactable? Do you get answers to questions quickly? Communication is one of the most important factors in any business especially the insurance industry where decisions and actions have to be taken very quickly. Any delay can cost you an order or a contract Problems can arise at any time, 24 hours a [...]
Read morePersonal Possessions Insurance
Do you travel abroad and buy jewellery or items to bring back to the UK? If purchased outside the European Community and not declared to Customs and Excise and duty paid, insurers can repudiate a claim. We refer to the case law: Geismar v Sun Alliance and London Insurance (Solicitor) where Judge J Talbot ruled [...]
Read moreNon Declaration and Material Facts
So What Is A Non Declaration or Material Fact? Before signing proposal form for insurance or giving a declaration to underwriters, you must ensure that you have provided any information which could affect their decision to accept the risk or rating of the premium. Any information which is misleading or untrue, insurers will be entitled [...]
Read moreComputer Insurance
There are factors relating to computer insurance you need to be aware of when purchasing a policy. In the event of a loss, the insurers will only pay to replace the unit to the same specification, or as new as possible to that specification, no matter what you insured it for. A higher specification is [...]
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