Supreme Court hands down its judgment On 15 January, the Supreme Court handed down its judgment on the FCA’s business interruption test case. It remains the case that most SME business interruption (BI) policies are focused on property damage and only have basic cover for BI as a consequence of property damage, so are unlikely to pay out in relation to the COVID-19 pandemic and its effects. Some policies contain ‘non-damage’ related extensions of cover for business interruption, such as infectious or notifiable diseases (disease clauses) and denial of access or public authority closure or … [Read more...]
Unoccupied Property Market Response – Lockdown 3.0
It is important to distinguish between temporarily closed premises due to COVID-19 and previously longer terms unoccupied premises, the responses contained below are specifically for temporarily closed premises due to government guidelines and will not apply for premises that fall outside of the guidelines. For those customers whom have longer terms unoccupied exposures we recommend that they review their policy document and notify us immediately if they are struggling to adhere to any pertinent policy conditions. The ABI have released the following guidance for those businesses affected: You … [Read more...]
Commercial Insurance Profile December 2020
The seasonal flu is a consistent, annual threat that employers across all industries must account for. The resulting wave of illness can cause increased absenteeism and decreased productivity. This year’s flu season will require even greater planning and preparation by employers, given the ongoing coronavirus pandemic. As an employer, you are responsible for the health and safety of your employees. In preparation for this year’s flu season, there are a number of steps to consider. Should you want any further information or support please do not hesitate to contact us directly. … [Read more...]
Brexit and Driving in Europe
Green Cards for driving in Europe In leaving the European Union (EU), the UK entered a transition period which ended on 31 December 2020. As a result there will now be a legal requirement to carry a physical document known as a Green Card when driving in Europe. A Green Card is an international certificate of motor insurance that is accepted in the EU, EEA, Andorra, Serbia and Switzerland. Green Cards will be required for each individual vehicle and trailers over 750kgs or braked. You may need a separate Green Card for caravans and trailers. You will be breaking the law if you attempt to drive … [Read more...]
Commercial Insurance Profile November 2020
This month's Commercial Insurance Profile newsletter includes articles on the FCA's business interruption test case, how Brexit will affect trademarks and intellectual property rights, and how employees can avoid health problems associated with the use of display screen equipment. Should you want any further information or support please do not hesitate to contact us directly. … [Read more...]
- 1
- 2
- 3
- 4
- Next Page »
