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# Sentio Insurance

sentioinsurance.co.uk

## Sitemaps

- [XML Sitemap](https://sentioinsurance.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://sentioinsurance.co.uk/blog/) - BLOG
- [Beacon CRM Cyber Incident: A Wake-Up Call for Charities](https://sentioinsurance.co.uk/beacon-crm-cyber-incident-a-wake-up-call-for-charities/) - Recent reports have highlighted a significant cyber security incident involving Beacon CRM, a specialist CRM provider used by charities across the UK. The incident serves as a reminder that cyber threats can arise not only from attacks on a charity itself, but also from trusted third-party suppliers. The Risks Facing Charities Modern charities hold What can charities learn from the Beacon CRM cyber incident? Discover the risks of third-party cyber breaches and how Cyber Liability Insurance can help.
- [What June's Heatwave Taught Businesses](https://sentioinsurance.co.uk/what-junes-heatwave-taught-businesses/) - June's heatwave brought periods of exceptionally high temperatures across parts of the UK, with red heat alerts issued for areas of England and Wales and temperatures approaching 38–39°C. High temperatures can create operational, health and safety, and property-related risks for businesses. Reviewing how your organisation prepares for and responds to extreme heat can help strengthen June's heatwave highlighted key risks for UK businesses. Discover practical lessons to improve resilience, continuity and insurance planning.
- [Heatwaves and Business Risk: Why Summer Isn't as Safe as It Seems](https://sentioinsurance.co.uk/heatwaves-and-business-risk-why-summer-isnt-as-safe-as-it-seems/) - When business owners think about seasonal risks, winter usually takes centre stage: frozen pipes, storms, slips, and trips. However, as the UK experiences hotter, drier summers and more frequent heatwaves, extreme heat is becoming one of the most overlooked business risks. This article explores the less obvious ways heatwaves can affect your business and the Prepare your business for rising temperatures. Discover the hidden risks heatwaves create and how the right insurance can help keep your operations protected.
- [Sentio Team Completes Three Peaks Challenge in Under 24 Hours](https://sentioinsurance.co.uk/sentio-team-completes-three-peaks-challenge-in-under-24-hours/) - The Sentio team took on the Three Peaks Challenge this weekend and successfully completed it in under 24 hours. A fantastic achievement and a real test of endurance. Starting on Friday 8th May with Ben Nevis, the team travelled across the UK to summit all three peaks within the official challenge timeframe. A huge well The Sentio team successfully completed the Three Peaks Challenge in under 24 hours
- [Sentio Supports Birmingham Dogs Home at Charity Pub Quiz Night](https://sentioinsurance.co.uk/sentio-supports-birmingham-dogs-home-at-charity-pub-quiz-night/) - On Friday 17th April, the Sentio team had the pleasure of attending and sponsoring a charity pub quiz in support of Birmingham Dogs Home, a cause close to our hearts as a team of dog lovers. The event, held at The Castle Pub, Droitwich, brought together local supporters for an enjoyable evening of fundraising, friendly Sentio supported a charity quiz night raising £530 for Birmingham Dogs Home. Read more about the event and Chloe’s upcoming 13,000-foot skydive.
- [In Focus: Navigating a Changing Risk Landscape](https://sentioinsurance.co.uk/in-focus-navigating-a-changing-risk-landscape/) - For many business owners, 2026 has already reinforced a familiar feeling: uncertainty. From fluctuating material costs and ongoing labour shortages to wider economic and global pressures, the environment businesses are operating in continues to shift at pace. While growth and increased activity are positive signs, they also bring a higher level of exposure that is Business risks are changing fast. Make sure your insurance still reflects today’s costs, activity and exposures, not last year’s assumptions.
- [Committed, Not Casual: Why Your Insurance Should Be Long Term](https://sentioinsurance.co.uk/committed-not-casual-why-your-insurance-should-be-long-term/) - In a world of short term subscriptions, cancel anytime contracts, and quick switching, it is easy to fall into the habit of keeping things casual. That approach might work for streaming platforms or gym memberships you forget to use, but insurance is different. When it comes to protecting your business, long term relationships matter. Long Why long term insurance relationships provide stronger protection, better understanding, and greater peace of mind for growing businesses.
- [Safer Internet Day 2026: What SMEs Need to Know](https://sentioinsurance.co.uk/safer-internet-day-2026-what-smes-need-to-know/) - Practical guidance for SMEs on Safer Internet Day 2026, covering AI safety, cyber security basics, scams, digital wellbeing, and managing cyber risk.
- [Most Common Property Claims Landlords Face (And How to Prevent Them in 2026)](https://sentioinsurance.co.uk/most-common-property-claims-landlords-face-and-how-to-prevent-them-in-2026/) - Landlords tend to face the same core types of insurance claims year after year. While some incidents are unavoidable, many claims arise from issues that could have been identified or reduced with regular checks and good property management. Understanding what causes the most common claims, and how to prevent them, can save landlords significant time, Discover the most common property claims landlords face and practical tips to prevent them in 2026, saving time, stress, and money.
- [Season’s Greetings from Sentio](https://sentioinsurance.co.uk/seasons-greetings-from-sentio/) - As we approach the end of the year, we’d like to take a moment to say thank you. 2025 has been another busy and rewarding year for us at Sentio. We’ve had the privilege of working alongside a wide range of individuals, businesses and organisations, each with their own challenges, ambitions and priorities. Your trust A festive message from Sentio as we reflect on the year and thank our clients for their trust, with best wishes for Christmas and the year ahead.
- [Cyberattack Chaos: Lessons from JLR for UK Businesses](https://sentioinsurance.co.uk/cyberattack-chaos-lessons-from-jlr-for-uk-businesses/) - You are no doubt aware of the recent halt in production at Jaguar Land Rover (JLR) following a significant cyberattack. The incident has been attributed to the hacking group known as Scattered Spider, who were also reportedly behind the recent cyberattacks on Co-op and M&S. Production at JLR has been suspended since 1st September, and The JLR cyberattack shows how supply chain vulnerabilities can disrupt businesses. Discover why cyber liability insurance is essential protection.
- [Why Travel Insurance is More Important Than Ever for Businesses](https://sentioinsurance.co.uk/why-travel-insurance-is-more-important-than-ever-for-businesses/) - The Association of British Insurers (ABI) has revealed that in 2024, UK insurers paid out £472 million across more than 500,000 travel insurance claims. Read the ABI's full article here. Medical emergencies were the biggest driver, making up 34% of all claims, with payouts averaging £1,528, but some exceeding £1 million, particularly for emergency treatment UK insurers paid £472m in travel insurance claims in 2024. Discover why businesses need Group Travel cover for directors, staff and their families.
- [1,000 Miles for a Great Cause](https://sentioinsurance.co.uk/1000-miles-for-a-great-cause/) - We’re incredibly proud to share that Richard Egan, along with his friends Scott, Jim, and Dave, has completed an extraordinary cycling challenge — riding from John O’Groats to Land’s End in just 10 days. Together, they covered 1,000 miles across the length of the UK in support of Cancer Research UK, a cause close to Richard Egan and friends completed a 1,000-mile charity cycle from John O’Groats to Land’s End in 10 days, raising funds for Cancer Research UK.
- [Too Hot to Handle? Summer Risks for UK Businesses](https://sentioinsurance.co.uk/too-hot-to-handle-summer-risks-for-uk-businesses/) - The UK is experiencing hot weather this week, and while sunshine might lift the mood, it also brings hidden risks for businesses of all types. Whether you run a retail store, a restaurant, an office, or a warehouse, extreme heat can have a surprising impact on your operations, your staff, and your bottom line. Here As temperatures soar across the UK, business owners must stay alert to heat-related risks. Here are five critical summer threats you might be overlooking, and how to protect your business.
- [Sentio Insurance Achieves Prestigious Chartered Status](https://sentioinsurance.co.uk/sentio-insurance-achieves-prestigious-chartered-status/) - Sentio Insurance is proud to announce that it has officially achieved Chartered Insurance Broker status, a distinguished recognition awarded by The Chartered Insurance Institute (CII). This prestigious accreditation reflects Sentio’s unwavering commitment to professionalism, high standards, and outstanding client service. What Chartered Status Means for Sentio and Our Clients Becoming a Chartered Insurance Broker Sentio Insurance achieves Chartered Insurance Broker status, reflecting our commitment to professionalism, client service, and industry excellence.
- [Sentio Attends the 2025 Movo Conference](https://sentioinsurance.co.uk/sentio-attends-the-2025-movo-conference/) - The Sentio team were proud to attend the 2025 Movo Conference & Awards last week – a standout event in the insurance industry calendar. Held in London, the conference brought together brokers, insurers, and partners from across the UK for a day filled with valuable insights, thought-provoking discussions, and opportunities to connect with key players
- [Cybercrime to Cost the World $10.5 Trillion by 2025](https://sentioinsurance.co.uk/cybercrime-to-cost-the-world-10-5-trillion-by-2025/) - According to Cybersecurity Ventures, the global cost of cybercrime is set to hit a staggering $10.5 trillion annually by 2025. To put that into perspective, it exceeds the total cost of all natural disasters combined. As a business owner, this isn’t just a headline - it’s a wake-up call. Cyber threats are no longer confined
- [Why Are Motor Insurance Costs So High? The Key Reasons Explained](https://sentioinsurance.co.uk/high-motor-insurance-costs/) - Motor insurance premiums have been on a steady rise, leaving many drivers wondering why their costs seem to be spiralling out of control. In this article, we delve into the key reasons behind these high premiums. Understanding these factors can help you navigate the market and even take steps to potentially reduce your own costs. Motor insurance costs are rising—discover why, from repair expenses to personal injury claims, and what changes could impact premiums in 2025.
- [Preventing Business Theft and Vandalism](https://sentioinsurance.co.uk/preventing-theft-and-vandalism/) - Business theft and vandalism pose significant risks for SMEs across the UK. Rising incidents—from shoplifting and employee fraud to graffiti and property damage—can result in financial losses, operational disruptions, and costly insurance claims. In this article, we explore practical strategies to safeguard your business, outline effective response protocols, and explain how the right insurance coverage Protect your business from theft and vandalism with expert tips on security, prevention, and the right insurance coverage.
- [2024 Storms Cost £585 Million in Insurance Claims](https://sentioinsurance.co.uk/storms-cost-585-million-in-insurance-claims/) - The year 2024 saw one of the most challenging periods for homeowners and businesses across the UK, with weather-related damages causing a surge in insurance claims. According to the Association of British Insurers (ABI), insurers paid out a record £585 million for weather-related damages to homes and possessions in 2024. This figure represents the highest Storms and flooding led to £585 million in insurance claims in 2024. Learn how to protect your home and business from future weather-related risks.
- [What Insurance Do I Need to Start a Business?](https://sentioinsurance.co.uk/what-insurance-do-i-need-to-start-a-business/) - Starting a business is an exciting journey, but it also comes with its challenges and risks. One of the most important steps you can take to protect your new venture is ensuring you have the right insurance in place. Without proper coverage, unexpected events could lead to significant financial losses or even force your business Starting a business in 2025? Learn what insurance you need to protect your new venture and ensure long-term success with the right coverage.
- [How Business Owners Can Thrive on Blue Monday](https://sentioinsurance.co.uk/support-for-business-owners/) - Blue Monday, often regarded as the most challenging day of the year, falls on the third Monday of January. For business owners, it can highlight the ongoing pressures of managing operations, finances, and teams. Yet, it’s also an opportunity to reassess your approach, tackle challenges head-on, and remember that assistance is available. What is Find support for business owners with Sentio Insurance Brokers—tailored insurance solutions and expert advice to give you peace of mind.
- [Navigating the 2025 Commercial Property Insurance Landscape](https://sentioinsurance.co.uk/navigating-the-2025-commercial-property-insurance-landscape/) - Explore 2025 commercial property insurance trends and get expert advice from Sentio Insurance Brokers to ensure your business is fully protected.
- [Spreading Christmas Cheer: Sentio Volunteers at Teams4U](https://sentioinsurance.co.uk/spreading-christmas-cheer-sentio-volunteers-at-teams4u/) - Sentio proudly supported Teams4U’s Christmas Shoebox Appeal, volunteering to help prepare gifts for underprivileged children around the world.
- [Are You Spending Enough on Cyber-Security?](https://sentioinsurance.co.uk/are-you-spending-enough-on-cyber-security/) - An alarming report reveals businesses underfunding cyber-security.
- [Snowfall: Is Your Business Ready?](https://sentioinsurance.co.uk/snowfall-is-your-business-ready/) - Discover how to protect your business from snow-related risks this winter, including property damage, liability claims, and business interruptions.
- [How Do I Protect My Business in the Winter?](https://sentioinsurance.co.uk/how-do-i-protect-my-business-in-the-winter/) - November 13, 2024 Protect your business this winter with 5 essential tips. Avoid risks like frozen pipes and slips with expert guidance from Sentio Insurance Brokers.
- [Sentio Insurance Brokers Supports Worcestershire Breast Unit Haven at Charity Golf Day](https://sentioinsurance.co.uk/sentio-insurance-brokers-supports-worcestershire-breast-unit-haven-at-charity-golf-day/) - On Friday 20th September, Sentio Insurance Brokers was proud to participate in Hotel Shop UK's Charity Golf Day. Held at the beautiful Gaudet Luce Golf & Leisure Complex, the event brought together golfers of all skill levels, with proceeds going to support the Worcestershire Breast Unit Haven. The day was filled with excitement and friendly
- [Cyber risks for Directors and Officers](https://sentioinsurance.co.uk/cyber-risks-for-directors-and-officers/) - In order for organizations to effectively manage cyber-risks, it is important to first understand the nature of cyber-criminals, their motivations, and the potential impact of cyber-attacks. In our interconnected world, it is likely that almost every business has some degree of cyber-exposure. This means that regardless of whether you handle financial transactions or store confidential
- [Happy New Year](https://sentioinsurance.co.uk/happy-new-year/) - 2023 at Sentio Insurance Brokers It's that time of year again. The Christmas decorations have been cleared away for another 12 months and the January Blues have officially begun. The Sentio Team would like to take the opportunity to wish you a Happy New Year and we are looking forward to working with our clients
- [Common Christmas Claims](https://sentioinsurance.co.uk/common-christmas-claims/) - 5 Common Christmas Claims - What they are and how to avoid them Christmas can be a stressful at the best of times, without the added pressure of potentially detrimental insurance risks. Here are our Top 5 Common Christmas Claims and our tips on how to keep your home or business safe over the festive
- [Cyber Risks & Liabilities: Basic Loss Control Techniques](https://sentioinsurance.co.uk/cyber-risks-liabilities-basic-loss-control-techniques/) - Discover loss control techniques every business should implement to help prevent cyber-exposures. Should you want any further information or support please do not hesitate to contact us directly.
- [Key Findings From the 2020-21 HSE Health and Safety Statistics Report](https://sentioinsurance.co.uk/key-findings-from-the-2020-21-hse-health-and-safety-statistics-report/) - Each year, the HSE releases comprehensive statistics regarding workplace health and safety in Great Britain. This includes information about workplace fatalities and injuries, work-related ill health and enforcement. This detailed infographic provides an in-depth visual overview of the HSE’s findings, and it can help employers better understand the risks and hazards they should be aware
- [Commercial Insurance Profile November 2021](https://sentioinsurance.co.uk/commercial-insurance-profile-november-2021/) - This Commercial Insurance Profile provides information on business interruption insurance. It also includes an article on autumn maintenance tips that should be considered for commercial buildings. Should you want any further information or support please do not hesitate to contact us directly.
- [Cyber Risks and Liability: Network Security](https://sentioinsurance.co.uk/2169-2/) - Use the tips in this article to create a safe and secure network. Should you want any further information or support please do not hesitate to contact us directly.
- [What’s the difference between a labour only subcontractor (LOSC) and a bona fide subcontractor (BFSC)?](https://sentioinsurance.co.uk/the-difference-between-a-labour-only-subcontractor-losc-and-a-bona-fide-subcontractor-bfsc/) - Explore the differences between a labour only subcontractor (LOSC) and a bona fide subcontractor (BFSC) and find out if you need Employers Liability Insurance.
- [Cyber Risks and Liability: Keeping Your Data Secure](https://sentioinsurance.co.uk/cyber-risks-and-liability-keeping-your-data-secure/) - Read this article for tips on securing your valuable data. Should you want any further information or support please do not hesitate to contact us directly.
- [Manufacturing Commercial Insurance Profile 4th Quarter 2021](https://sentioinsurance.co.uk/manufacturing-commercial-insurance-profile-4th-quarter-2021/) - This edition of the Manufacturing Commercial Insurance Profile provides information about the importance of having equipment breakdown insurance. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile October 2021](https://sentioinsurance.co.uk/commercial-insurance-profile-october-2021/) - This Commercial Insurance Profile includes an article on pet-related considerations for employers, and information for understanding commercial crime insurance. Should you want any further information or support please do not hesitate to contact us directly.
- [Charity Commercial Insurance Profile 4th Quarter 2021](https://sentioinsurance.co.uk/charity-commercial-insurance-profile-4th-quarter-2021/) - The Charity Commission has taken it upon itself to analyse the impact of COVID-19 to alleviate ongoing struggles for the third sector. The commission has begun conducting roundtable discussions with charities to ensure that organisations have the tools they need to succeed in a post-pandemic world. This edition of the Charity Commercial Insurance Profile provides
- [Cyber Risks and Liability: Policies to Manage Cyber-Risk](https://sentioinsurance.co.uk/cyber-risks-and-liability-policies-to-manage-cyber-risk/) - Learn how to manage your business' cyber-risk by establishing robust policies for safeguarding critical data. Should you want any further information or support please do not hesitate to contact us directly.
- [Rebuild Cost Assessment](https://sentioinsurance.co.uk/rebuild-cost-assessment/) - Buildings should always be insured for the amount it would cost to rebuild them. However, fewer than one in ten commercial properties in the UK are covered correctly. Read our article for some guidance on this issue.
- [Cyber Risks and Liability: Protecting Your Email](https://sentioinsurance.co.uk/cyber-risks-and-liability-protecting-your-email/) - Your business' email is critical. Protect it with these top tips. Should you want any further information or support please do not hesitate to contact us directly.
- [Cyber Risks & Liability: Safely Disposing of Your Devices](https://sentioinsurance.co.uk/cyber-risks-liability-safely-disposing-of-your-devices/) - Take extra steps to remove information from your computing devices before you discard them, lest your data ends up in the wrong hands. Read this Cyber Risks & Liability article to learn these essential steps. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile September 2021](https://sentioinsurance.co.uk/commercial-insurance-profile-september-2021/) - This Commercial Insurance Profile features an article on risk management guidance for property owners. It also provides information on how employers can utilise technology for training, skill development and employee engagement. Should you want any further information or support please do not hesitate to contact us directly.
- [Charity Commercial Insurance Profile 3rd Quarter 2021](https://sentioinsurance.co.uk/charity-commercial-insurance-profile-3rd-quarter-2021/) - Announced on 11th May, the Charities Bill is a new piece of legislation that could bring a number of important changes regarding charity law. These proposed changes have been discussed for several years by the Charity Commission, the Department for Digital, Culture, Media & Sport and the Law Commission. This Charity Commercial Insurance Profile provides
- [News Brief: Most COVID-19 Rules to End in England](https://sentioinsurance.co.uk/news-brief-most-covid-19-rules-to-end-in-england/) - On 19th July, England will formally emerge from lockdown as the final social restrictions are removed. Learn more with this News Brief.Should you want any further information or support please do not hesitate to contact us directly.
- [Cyber Risks and Liability: Website Security](https://sentioinsurance.co.uk/cyber-risks-and-liability-website-security/) - Follow these five simple tips to bolster your business' website security.Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile July 2021](https://sentioinsurance.co.uk/commercial-insurance-profile-july-2021/) - This Commercial Insurance Profile includes articles on employers' responsibilities for making sure that remote workers have suitable conditions during a heatwave. In addition, it also provides guidance for recruiting remote talent.Should you want any further information or support please do not hesitate to contact us directly.
- [Phishing attacks – how to identify the common types](https://sentioinsurance.co.uk/phishing-attacks-how-to-identify-the-common-types/) - Scammers send fake emails to thousands of people, with links to bad websites or asking for bank details and other sensitive information. Whatever your business, you will receive phishing attacks. This article contains the first steps you need to take to help you identify the most common types.
- [Cyber Risks and Liability: Using Cloud Storage Services Safely](https://sentioinsurance.co.uk/cyber-risks-and-liability-using-cloud-storage-services-safely/) - Use the guidance in this Cyber Risks & Liability document to choose and safely use a cloud storage service.Should you want any further information or support please do not hesitate to contact us directly.
- [Charity Commercial Insurance Profile 2nd Quarter 2021](https://sentioinsurance.co.uk/charity-commercial-insurance-profile-2nd-quarter-2021/) - It is important for charities and not-for-profit organisations to establish digital foundations in order to not only survive the rest of the pandemic, but also to be prepared for the future. This article provides tips for achieving this goal. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile April 2021](https://sentioinsurance.co.uk/commercial-insurance-profile-april-2021/) - This Commercial Insurance Profile provides guidance on two different subjects. First, employers can learn about precautions that should be taken when workers must travel abroad during the pandemic. In addition, an overview of future directors' and officers' liability risks may help prevent future claims. Should you want any further information or support please do not
- [Cyber Risks and Liability: Compliant Email Marketing](https://sentioinsurance.co.uk/cyber-risks-and-liability-compliant-email-marketing/) - Learn how to create and execute a compliant email marketing campaign with this article. Should you want any further information or support please do not hesitate to contact us directly.
- [Charity Commercial Insurance Profile 1st Quarter 2021](https://sentioinsurance.co.uk/charity-commercial-insurance-profile-1st-quarter-2021/) - Perpetrators planning to commit fraud and exploit charitable organisations are a serious threat that must be recognised, assessed and prepared for. Given that donations may also be down for many charities and not-for-profits this year, the potential for financial loss stemming from fraudulent acts may be even more devastating. Should you want any further information
- [Manufacturing Commercial Insurance Profile 1st Quarter 2021](https://sentioinsurance.co.uk/manufacturing-commercial-insurance-profile-1st-quarter-2021/) - Although the UK and EU managed to finally reach a trade agreement only one week before the Brexit transition period was set to expire, the deal has not necessarily alleviated all concerns for manufacturers. A recent survey conducted by Make UK and PricewaterhouseCoopers shows that there are a number of specific concerns among manufacturers. Should
- [Commercial Insurance Profile December 2020](https://sentioinsurance.co.uk/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
- [Manufacturing Commercial Insurance Profile 4th Quarter 2020](https://sentioinsurance.co.uk/manufacturing-commercial-insurance-profile-4th-quarter-2020/) - The 4th quarter edition of the Manufacturing Commercial Insurance Profile includes information on the importance of digital manufacturing. It also discusses how technology can help improve supply chains. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile November 2020](https://sentioinsurance.co.uk/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.
- [Re-opening in the wake of COVID-19](https://sentioinsurance.co.uk/re-opening-in-the-wake-of-covid-19/) - The COVID-19 pandemic has interrupted many businesses across the country and many employers are now looking to the future of employees returning to work.
- [COVID-19: Preparing for a second wave](https://sentioinsurance.co.uk/covid-19-preparing-for-a-second-wave/) - Are you ready for a second wave? You should start planning today so that your business is properly prepared if this happens.
- [Cyber: What is Phishing?](https://sentioinsurance.co.uk/cyber-security-for-your-business/) - Phishing is a method that cyber-criminals use to gather personal information. Learn more about it and how you can stay protected.
- [Commercial Insurance Profile September 2020](https://sentioinsurance.co.uk/commercial-insurance-profile-september-2020/) - This month's Commercial Insurance Profile newsletter features information on a number of relevant topics for your organisation, such as guidance for working remotely becoming the status quo and how to appeal to Generation Z employees. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile August 2020](https://sentioinsurance.co.uk/commercial-insurance-profile-august-2020/) - The August Commercial Insurance Profile newsletter provides guidance on product and public liability covers, an overview of the Corporate Insolvency and Governance Act and information on how employers can use remote learning to improve the engagement levels of their employees. Should you want any further information or support please do not hesitate to contact us
- [Charity Commercial Insurance Profile - Q3 2020](https://sentioinsurance.co.uk/charity-commercial-insurance-profile-q3-2020/) - Like all organisations and individuals, charities have faced challenges regarding financial uncertainty during the COVID-19 pandemic. This newsletter provides your charity with a number of steps to consider as you navigate these difficult and unpredictable times, and also includes information on what your organisation can be doing to help others amidst the pandemic. Should you
- [Commercial Insurance Profile July 2020](https://sentioinsurance.co.uk/commercial-insurance-profile-july-2020/) - This month's Commercial Insurance Profile newsletter includes information on a variety of key subjects, including managing the return of employees, customers and clients to your business in the midst of the UK relaxing lockdown measures. Should you want any further information or support please do not hesitate to contact us directly.
- [Commercial Insurance Profile June 2020](https://sentioinsurance.co.uk/commercial-insurance-profile-june-2020/) - Our latest monthly commercial insurance profile is designed to support you in protecting your business. Since 2016, the Department for Digital, Culture, Media & Sport has used the annual Cyber Security Breaches Survey to track trends related to cyber-security and breaches. The latest findings in the 2020 survey indicate that cyber-attacks are becoming not only more
- [Commercial Insurance Profile May 2020](https://sentioinsurance.co.uk/commercial-insurance-profile-may-2020/) - Our latest monthly commercial insurance profile is designed to support you in protecting your business. This month's Commercial Insurance Profile offers top tips for keeping remote employees engaged, outlines common business interruption policy extensions and emphasises the importance of protecting your commercial vehicles with Thatcham devices. Should you want any further information or support please do
- [Employer considerations during COVID-19](https://sentioinsurance.co.uk/employer-considerations-during-covid-19/) - Employer’s Liability 04, May, 2020 COVID-19 raises a number of liability concerns, particularly if employees are affected due to a business’ negligence. Our employees are the lifeblood of our businesses and ensuring that their welfare is looked after is critical to business continuation and moving things on post lockdown. Kennedys Solicitors have provided a comprehensive
- [Staying covered during COVID-19](https://sentioinsurance.co.uk/staying-covered-during-covid-19/) - Staying covered during COVID-19 15, April, 2020 The financial impact of Coronavirus is affecting individuals and businesses up and down the country – we understand how worrying this time may be for you. The Government is offering a range of support packages to help people through this difficult period and there is a range of
- [Reduce Your Risks with Tenant Referencing](https://sentioinsurance.co.uk/reduce-your-risks-with-tenant-referencing/) - Choosing the wrong tenant can lead to lost income, legal actions and damage to your property. Conducting tenant referencing on prospective tenants is a wise way to ensure a mutually successful experience for you and the applicant, and it is an effective risk management tool. Although tenant referencing does present some costs, taking on a
- [Are you GDPR ready?](https://sentioinsurance.co.uk/are-you-gdpr-ready/) - These new regulations came into force on 25 May 2018, updating the requirements of the DPA and imposing increased penalties for data breaches. Sentio can help you to assess your exposure and offer you tailored insurance solutions, with basic cyber recovery insurance available from as little as £150. Learn More
- [GDPR is Coming - Despite the Construction Sector’s Ignorance](https://sentioinsurance.co.uk/gdpr-is-coming-despite-the-construction-sectors-ignorance/) - On 25 May 2018, the General Data Protection Regulation (GDPR) comes into effect in the EU and across the United Kingdom. Even though it may seem like the GDPR would not directly impact the construction industry—it will. Unfortunately, 70 per cent of construction firms are unaware of the new data protection rules being introduced by
- [Manufacturers: Managing Your Total Cost of Risk](https://sentioinsurance.co.uk/manufacturers-managing-your-total-cost-of-risk/) - As a manufacturer, how do you quantify your true cost of risk? For example, if you are faced with a recall, how do you calculate your loss of reputation or market share? It is difficult, at best, to quantify this scenario. In contrast, other components of your cost of risk are easily identified, such as
- [Not-For-Profits and Liabilities for Board Members](https://sentioinsurance.co.uk/not-for-profits-and-liabilities-for-board-members/) - Not-for-profit organisations provide essential social services that benefit communities and their members. These organisations cannot survive without a solid board of directors or trustees assigned to elect officers, adopt policies and make major financial decisions for the organisation. Although the members of the board are often volunteers, there is a certain amount of risk
- [Keep Squatters Off Your Property](https://sentioinsurance.co.uk/keep-squatters-off-your-property/) - Squatting, or living on someone’s empty property without permission, is a growing risk for property owners. The Ministry of Justice estimates that some 20,000 people squat in unoccupied properties—up from 15,000 a decade ago. And there are nearly 1 million empty homes across the UK, over one-third of which have been vacant for more than
- [Terrorism – are you covered should the worst happen?](https://sentioinsurance.co.uk/terrorism-are-you-covered-should-the-worst-happen/) - The tragic events in Manchester and London in the last few weeks have felt pretty close to home for most of us – whether we know someone caught up in it all, are regular visitors to the areas affected or have been directly impacted ourselves. What was once considered a ‘never going to happen’ occurrence
- [Santa Crawl's Ho Ho Heroes raise £2,500](https://sentioinsurance.co.uk/santa-crawls-ho-ho-heroes-raise-2500/) - Sentio, who’s Director Richard Waltier is part of the Mercantile club was delighted to have helped raise valuable funds just before Christmas for Birmingham Children’s hospital. Read about the Santa Crawl and the great work carried out at Birmingham Children's Hospital
- [Avoid These Common Property Insurance Claims Mistakes](https://sentioinsurance.co.uk/avoid-these-common-property-insurance-claims-mistakes/) - No matter what type of property you own, be it residential or commercial, securing the right insurance coverage is crucial. Property insurance typically covers two main aspects: the structure itself and its contents. When you need to file a property insurance claim, avoiding common mistakes can make a significant difference in the resolution and outcome
- [Understanding the Impact of the CrowdStrike Outage: Lessons for Business Owners](https://sentioinsurance.co.uk/understanding-the-impact-of-the-crowdstrike-outage/) - On 19th July 2024, a significant cyber outage occurred, triggered by a flawed software update from cybersecurity firm CrowdStrike. This event, deemed "the most important cyber-accumulation loss event since NotPetya," has highlighted the critical vulnerabilities businesses face due to single points of failure (SPoF) in their digital infrastructure. The incident's repercussions are far-reaching, affecting a
- [5 Ways to Minimise Business Interruption](https://sentioinsurance.co.uk/5-ways-to-minimise-business-interruption/) - According to data from insurance experts, an estimated 40% of businesses never reopen after a disaster. With this startling statistic in mind, it’s clear that implementing steps to prepare for and respond to disasters is crucial to help your business reduce the risk of experiencing large-scale losses. In order to protect your business from unavoidable
- [Victory at Charity Golf Day: Supporting Birmingham Children's Hospital](https://sentioinsurance.co.uk/victory-at-charity-golf-day-supporting-birmingham-childrens-hospital/) - We are thrilled to announce that our team recently participated in a charity golf day organised by Experienced Energy Solutions at Aston Wood Golf Club. This wonderful event was held to raise funds for the Birmingham Children's Hospital, a cause close to our hearts. Anthony, Richard and co. showcased their exceptional skills on the green
- [The Global IT Outage and Its Implications for Cyber Insurance](https://sentioinsurance.co.uk/the-global-it-outage-and-its-implications-for-cyber-insurance/) - In the midst of this unprecedented global IT outage affecting everything from airlines and banks to media outlets and retail stores, businesses worldwide are grappling with the severe disruptions. Events such as this really highlight the importance for companies to understand how cyber insurance can both mitigate risks and ensure smooth operations. Understanding the Outage
- [The Benefits of Using an Insurance Broker](https://sentioinsurance.co.uk/the-benefits-of-using-an-insurance-broker/) - When it comes to securing insurance, the wide range of options available online can be overwhelming. While comparison sites might promise low-cost cover, they often fall short in providing the personalised service that an insurance broker offers. Insurance brokers are Financial Conduct Authority (FCA)-regulated professionals who leverage their expertise to find the most suitable and
- [Invisible Threats: How to Keep Your Workplace Safe from Carbon Monoxide](https://sentioinsurance.co.uk/keep-your-workplace-safe-from-carbon-monoxide/) - Introduction Carbon monoxide (CO), a colourless, tasteless, and odourless poisonous gas, is a byproduct of the incomplete burning of carbon-containing materials. This gas can quickly accumulate in areas where employees work, even if the space appears well-ventilated. Exposure to CO can cause serious health problems and even death. Considering these hazards, it is essential that
- [New Guidance Released to Help Organisations Protect Against BEC Scams](https://sentioinsurance.co.uk/protect-against-bec-scams/) - Business email compromise (BEC) scams—a type of phishing attack—are a growing concern for organisations across various sectors. According to recent government data, a staggering 84% of businesses and 83% of charities suffered a phishing attack in 2023. To combat this escalating threat, the National Cyber Security Centre (NCSC) has recently published new guidance on BEC,
- [Juice Jacking: How Public Chargers Can Steal Your Data](https://sentioinsurance.co.uk/juice-jacking-how-public-chargers-can-steal-your-data/) - Charging a device at a public USB charging station may seem harmless, but it can lead to serious cybersecurity issues. Juice jacking is a cyber-attack method where a malicious actor gains access to a device through these public ports. This threat is especially relevant for organisations with employees who travel with company devices and sensitive
- [Risks Associated with Rooftop Solar Panels](https://sentioinsurance.co.uk/risks-of-installing-solar-panels/) - As the world increasingly shifts towards sustainable energy solutions, rooftop solar panels have become a popular choice for commercial properties. Solar panels offer significant financial, environmental, and reputational benefits. However, they also come with various risks and potential damage sources. As solar panels become more widespread, commercial property owners must understand both their advantages and
- [Saying This One Word Could Seriously Impact Your Insurance Claim After a Car Accident](https://sentioinsurance.co.uk/one-word-that-could-impact-your-claim/) - Car accidents are unexpected events that can leave anyone feeling shaken and confused. In the aftermath of a collision, knowing what steps to take is crucial for ensuring safety and resolving the situation efficiently. Whether it's a minor fender bender or a more serious incident, following a structured approach can help alleviate stress and streamline
- [Commercial Property Insurance: All You Need To Know](https://sentioinsurance.co.uk/commercial-property-insurance/) - Commercial property insurance is crucial for property owners who lease their spaces for commercial purposes. Also known as commercial landlord insurance, this policy protects property owners from potential costly incidents that can occur when renting out commercial spaces. In this comprehensive guide, we'll explore the essentials of commercial property insurance, covering its significance, coverage essentials,
- [Contractor Fined £40,000 After Worker Injury](https://sentioinsurance.co.uk/contractor-fined-after-worker-injury/) - In the world of construction and contracting, safety should always remain paramount. Unfortunately, a recent incident involving an electrical contractor serves as a stark reminder of the consequences of neglecting safety protocols. Let's delve into the details of the incident, the implications, and most importantly, what could have been done to prevent it. Incident Overview
- [Sentio Insurance Brokers Named Network Broker of the Year](https://sentioinsurance.co.uk/sentio-insurance-brokers-named-network-broker-of-the-year/) - We are thrilled to announce that Sentio Insurance Brokers has been honoured with the award for Network Broker of the Year at the 2024 Movo Awards. This recognition comes as a testament to our unwavering commitment to excellence and innovation in the insurance industry. The Movo Awards, held annually, celebrate achievements and contributions within the
- [Debunking 5 Common Cyber-security Myths](https://sentioinsurance.co.uk/debunking-5-common-cyber-security-myths/) - In an era where digital interactions dominate the business landscape, cyber-security stands as a critical shield against potential threats to sensitive data and operational continuity. As enterprises, big and small, increasingly rely on interconnected systems and digital infrastructures, the need for robust cyber-security measures becomes ever more pressing. However, amidst the evolving cyber-threat landscape, pervasive
- [Weather Damage Insurance Claims Up By a Third in 2023](https://sentioinsurance.co.uk/weather-damage-insurance-claims-up-by-a-third-in-2023/) - Home insurance claims for weather-related damage hit a record high in 2023. As climate change continues to exert its influence on our planet, the frequency and severity of severe weather events are on the rise. According to the latest data from the Association of British Insurers (ABI), weather-related claims surged by a third, reaching £573
- [Strengthening Cyber-Resilience: Urgent Call from UK Minister](https://sentioinsurance.co.uk/strengthening-cyber-resilience-urgent-call-from-uk-minister/) - In a wake-up call to UK organisations, the government has emphasised the critical need to fortify cyber-security measures. Recent figures unveiled from the third phase of the Cyber Security Longitudinal Survey (CSLS) reveal alarming statistics: 75% of medium-sized and large businesses, along with 79% of high-income charities, faced cyber-security incidents in the previous year.
- [Mastering Workplace Safety: 5 Expert Tips to Protect Your Team](https://sentioinsurance.co.uk/mastering-workplace-safety/) - Ensuring workplace safety is not only a moral imperative but also a legal obligation for employers. Recent data from the Health and Safety Executive (HSE) underscores the significance of robust accident prevention strategies. In the 2022-23 period alone, 135 workers lost their lives in work-related accidents, with 561,000 sustaining injuries. While completely eradicating workplace accidents
- [Stay Ahead of the Game: Essential Tactics to Prevent Car Theft](https://sentioinsurance.co.uk/preventing-car-thief/) - In the wake of recent economic challenges, including a recession, fuel shortages, and an energy crisis, the UK has witnessed a concerning surge in theft incidents. As the cost of living skyrockets and law enforcement faces mounting pressures, theft, particularly motor theft, has become a prevalent issue demanding attention. In this article, we delve into
- [The Importance of Keeping Your Tracker Subscription Up To Date](https://sentioinsurance.co.uk/the-importance-of-updating-your-tracker-subscription/) - Theft remains a prevalent concern, making it imperative to stay ahead with the latest security measures. We're here to shed light on a crucial aspect of safeguarding your vehicles: the significance of maintaining an up-to-date subscription for your vehicle tracker system. Why is this important? Vehicle tracker systems offer a vital layer of security,
- [BT Redcare Is Closing Down - Action May Be Required...](https://sentioinsurance.co.uk/bt-redcare-is-closing-down-action-may-be-required/) - Recently, BT announced that their Redcare signalling system is scheduled to cease operations next year. This significant change affects approximately 100,000 customers across the UK who rely on BT Redcare for alarm signalling in both commercial and residential properties. So, what does this mean for you? If your alarm system currently depends on BT
- [35.2 Million Working Days Were Lost Last Year](https://sentioinsurance.co.uk/35-2-million-working-days-were-lost-last-year/) - The HSE have released the findings from their Annual Health and Safety Statistics Report. More than 35 million working days were lost last year due to work-related ill health and non-fatal workplace injuries, according to Labour Force Survey estimates. Below are a some key findings from this latest report. Many of the injuries and fatalities
- [5 Trends That Are Likely To Impact SMEs in 2024](https://sentioinsurance.co.uk/5-trends-that-are-likely-to-impact-smes-in-2024/) - SME Business Trends for 2024 2023 was challenging for businesses, particularly small and medium-sized enterprises (SMEs). Supply chain difficulties, inflationary pressures, staffing challenges, and a host of other demands tested the resilience of SMEs across the UK – to the extent that many companies struggled to survive. In fact, company insolvencies recorded in the second
- [Disruptors and Trends to Monitor in 2024](https://sentioinsurance.co.uk/disruptors-and-trends-to-monitor-in-2024/) - Disruptors to Monitor The commercial insurance marketplace has faced unprecedented challenges over the past few years, resulting in a hard market and rising premiums. Fortunately, price hikes appear to be stabilising, and some lines of cover have begun to soften. Indeed, commercial insurance rose just 1% in the second quarter of 2023, according to insurance
- [Costs Associated With Cyberattacks Doubled in 2023](https://sentioinsurance.co.uk/costs-associated-with-cyberattacks-doubled-in-2023/) - A recent report found that nearly half of UK organisations suffered a cyberattack or breach that prevented data access in 2023, and IT disruption has become commonplace, according to Dell Technologies' 2023 Global Data Protection Index. Alarmingly, the cost of dealing with cyber-attacks has doubled since 2022, a testament to the critical nature of robust
- [Preparing your business for flooding](https://sentioinsurance.co.uk/preparing-your-business-for-flooding/) - Floods, while sometimes predictable, often strike unexpectedly. The UK's unpredictable weather exacerbates this issue, putting numerous properties at risk. In England and Wales alone, around 5 million properties face flood risk, with similar concerns in Scotland and Northern Ireland. As we have seen just this week, Storm Henk has caused severe flooding throughout the River
- [Navigating Christmas Risks: Safeguarding Your Festive Season](https://sentioinsurance.co.uk/navigating-christmas-risks-safeguarding-your-festive-season-with-insurance/) - Amidst the festivities, there are unique risks that can dampen the celebrations. It is essential to recognise these risks and help ensure that you are adequately protected during the festive period. Home and Business Hazards Decking the halls can increase the risk of accidents. From dazzling lights to fragrant candles, decorations can pose fire hazards.
- [The Sentio Team](https://sentioinsurance.co.uk/the-sentio-team/) - Behind every policy and claim is a dedicated team committed to supporting our clients. Here are just some of the Sentio Team. Experts in the Field Insurance can be complex, but with Sentio, you have a team of seasoned professionals by your side. Our experts bring a wealth of knowledge and experience to the table,
- [Cyber-security Awareness Month](https://sentioinsurance.co.uk/cyber-security-awareness-month/) - October is Cyber-security Awareness Month. During this annual event, industry leaders worldwide come together to raise awareness about the importance of cyber-security. It’s crucial for businesses like yours to stay cyber-secure in order to safeguard company data, protect customers’ personal information and ensure employee privacy. Here’s how you can do your part to foster organisational
- [Crash-for-Cash Scams: A Risk to Commercial Drivers](https://sentioinsurance.co.uk/understanding-crash-for-cash-scams/) - Spurious road traffic accidents—where criminals aim to profit from fraudulent insurance claims—are not new events. These accidents, classified as “crash-for-cash” scams, can include fabricated personal injury claims following minor accidents and intentional collisions. The latest crash-for-cash fraud trend involves delivery moped drivers deliberately crashing into oncoming traffic for compensation. In fact, in London alone, approximately
- [Inflation Falls to Lowest Level in More Than a Year](https://sentioinsurance.co.uk/inflation-falls-to-lowest-level-in-more-than-a-year/) - UK inflation has fallen to its lowest level since March 2022. According to data released by the Office for National Statistics (ONS). Specifically, the Consumer Prices Index rose by 7.9% in the 12 months to June 2023, down from 8.7% in May and significantly lower than October 2022’s peak of 11.1%. The easing of transport
- [AI: How It Impacts Workplace Safety](https://sentioinsurance.co.uk/ai-how-it-impacts-workplace-safety/) - Ensuring workplace safety is paramount for organizations of all sizes and across sectors. Without effective safety measures in place, businesses may face a surge in incidents, heightened employers' liability costs, decreased productivity, and lower staff morale. However, there is good news. The advancement of technology, particularly artificial intelligence (AI), offers valuable solutions to mitigate potential
- [Summer Safety for Outdoor Workers](https://sentioinsurance.co.uk/summer-safety-for-outdoor-workers/) - As the summer season brings sunny skies and warmer temperatures, it is important to address the safety concerns faced by outdoor workers, especially those in physically demanding professions like construction. With the potential risks associated with prolonged sun exposure, extreme heat, and other environmental factors, prioritizing summer safety becomes paramount for safeguarding the health and
- [The Big Worcester Quiz '23](https://sentioinsurance.co.uk/the-big-worcester-quiz-23/) - On May 24th a few members of our team attended The Big Worcester Quiz 2023. The event was in aid of raising money for St Paul's Hostel Worcester, Maggs & Worcester Warriors Foundation. Helping to end homelessness.
- [5 Ransomware Threats You Need To Know](https://sentioinsurance.co.uk/5-ransomware-threats-you-need-to-know/) - In the current landscape of cybercrime, criminal groups specializing in ransomware attacks are becoming increasingly sophisticated and well-funded. These groups often allocate a portion of their illicit profits towards recruiting and training skilled cyber-criminals, which in turn makes them even more dangerous for potential targets. As these groups continually evolve their tactics and techniques, it's
- [The importance of following HSE regulations](https://sentioinsurance.co.uk/the-importance-of-following-hse-regulations/) - Following health and safety regulations is crucial for any business. These regulations are put in place to ensure the safety and well-being of employees, customers, and the environment. Failure to comply with HSE regulations can lead to accidents, injuries, illnesses, and even fatalities, which can result in legal and financial liabilities for the company. Not
- [Navigating Commercial Insurance: Important Tips for Small Business Owners](https://sentioinsurance.co.uk/navigating-the-complexities-of-commercial-insurance-tips-for-small-business-owners/) - As a small business owner, you are likely to understand the importance of having the right insurance coverage in place. However, navigating the complexities of commercial insurance can be overwhelming, especially if you're new to the process. Here are a few tips to help you navigate the world of commercial insurance and find the coverage
- [Latest police data shows that £17.5m of tools were stolen in London last year](https://sentioinsurance.co.uk/latest-police-data-shows-that-17-5m-of-tools-were-stolen-in-london-last-year/) - With almost £57,000 of tools stolen every day in 2020, according to data from the Metropolitan Police it's more important than ever to ensure that you are insured.
- [Good ventilation in the workplace can help reduce the spread of coronavirus](https://sentioinsurance.co.uk/good-ventilation-in-the-workplace-can-help-reduce-the-spread-of-coronavirus/) - As coronavirus spreads through the air, the virus can build up in poorly ventilated areas, increasing the risk of infection. It is a legal requirement for employers to ensure an adequate supply of fresh air (ventilation) in enclosed areas of the workplace.
- [Underinsurance ‘made worse’ by rising construction costs](https://sentioinsurance.co.uk/underinsurance-made-worse-by-rising-construction-costs/) - Recent data from RebuildCostASSESSMENT.com has highlighted how on average, buildings are covered for just 68% of the amount they should be in Britain. However, with rebuild costs rising rapidly, the current situation is likely to be even worse.
- [Lack of Cyber Cover Leaves SME’s Exposed to Attacks](https://sentioinsurance.co.uk/lack-of-cyber-cover-leaves-smes-exposed-to-attacks/) - 86% of SMEs do not have any cyber insurance in place according to a recent survey by Aviva. This lack of insurance protection comes at a time of rapid digitisation, with statistics showing that 41% of SMEs updated their website in response to the pandemic while 39% moved online or improved their online offering.
- [New report highlights the changing retail model for the hair and beauty sector](https://sentioinsurance.co.uk/new-report-highlights-the-changing-retail-model-for-the-hair-and-beauty-sector/) - In a much-anticipated review, Bill Grimsey, former chief executive of Iceland, Wickes and Focus, looks at Britain’s vibrant independent shops, services and hospitality businesses as Britain emerges from the Covid-19 pandemic.The review acknowledges the huge contribution made by hair and beauty, the fastest growing sector on the high street. However, it warns that the sector
- [Vaccinations and the workplace](https://sentioinsurance.co.uk/vaccinations-and-the-workplace/) - The UK vaccination programme is the biggest inoculation campaign the country has ever undertaken. With over 43 million individuals now having had their first jab there are still demographics in the UK that have lower uptake as well as those who are reluctant to get vaccinated.
- [The Cyber Security Breaches Survey 2021](https://sentioinsurance.co.uk/the-cyber-security-breaches-survey-2021/) - The Cyber Security Breaches Survey 2021 report shows the cyber risk to organisations is heightened because of the pandemic, which has made securing digital environments more challenging as organisational resources are diverted to facilitating home working for staff.
- [April is Stress Awareness Month](https://sentioinsurance.co.uk/april-is-stress-awareness-month/) - The rate of work-related stress depression and anxiety has increased in recent years, find out six key factors to consider when looking to manage stress in the workplace.
- [Reopening as Lockdown Measures Ease](https://sentioinsurance.co.uk/key-points-to-consider-for-businesses-reopening-as-lockdown-measures-ease/) - Being COVID-secure means being adaptable to the current guidance and having measures in place to manage the risk of coronavirus. Key points for businesses to consider:
- [FCA Policy Checker](https://sentioinsurance.co.uk/fca-policy-checker/) - Clients with business interruption (BI) insurance can now refer to a policy checker provided by the Financial Conduct Authority (FCA).
- [How to Avoid Underinsurance](https://sentioinsurance.co.uk/how-to-avoid-underinsurance/) - Suitable insurance forms a vital part of business continuity planning - but how can you be sure that you are buying the right amount of cover? Here we share some top tips from 'How to avoid underinsurance – A guide for small and medium-sized businesses' produced by the British Insurance Brokers’ Association.
- [FCA Test Case Supreme Court Judgment](https://sentioinsurance.co.uk/fca-test-case-insurer-responses/) - 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.
- [Unoccupied Property Market Response – Lockdown 3.0](https://sentioinsurance.co.uk/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.
- [Prepare your business for Brexit – Jan 2021](https://sentioinsurance.co.uk/prepare-your-business-for-brexit-jan-2021/) - A post-Brexit trade deal could be sealed as talks between the UK government and European Union continue this week. Before the weekend, both parties said that ‘no-deal’ was the most likely outcome. Whether or not a deal is agreed, you should ensure that your business is prepared for operating under new rules. Please review the
- [Brexit and Driving in Europe](https://sentioinsurance.co.uk/brexit-and-driving-in-europe/) - It is now a legal requirement to carry a physical document known as a Green Card when driving in Europe.
- [FCA Test Case Judgment](https://sentioinsurance.co.uk/fca-test-case-judgment/) - The Financial Conduct Authority (FCA), the UK’s financial conduct regulator, brought court proceedings in July 2020 to test how certain business interruption insurance policies respond to claims arising from COVID-19.
- [COVID-19: Self-employed affected by pandemic can apply for new grants](https://sentioinsurance.co.uk/covid-19-self-employed-affected-by-pandemic-can-apply-for-new-grants/) - The second stage of the government scheme to support the incomes of self-employed people through the Coronavirus crisis has recently opened.
- [Additional Risk Consultancy support in Health & Safety, Food Safety and Environmental Management](https://sentioinsurance.co.uk/additional-risk-consultancy-support-in-health-safety-food-safety-and-environmental-management/) - Sentio Insurance Brokers are delighted to announce a further enhancement of their professional services through a partnership agreement with a leading Health, Safety and Environment consultancy, Sentinel Safety Solutions, based here in the Midlands. CLICK HERE to view their brochure. With a shared ethos of risk management and loss prevention, Sentio and Sentinel together offer
- [Returning to Work](https://sentioinsurance.co.uk/returning-to-work/) - Coming Back After COVID-19 14, May, 2020 COVID-19 has caused many businesses to shut down or transition their employees to work from home, disrupting daily work life for many. As stay-at-home regulations are scaled back and all businesses are allowed to resume as normal, your employees will be asked to come back to work. While
- [COVID-19: Management liability](https://sentioinsurance.co.uk/covid-19-management-liability/) - COVID-19: Potential exposures to directors and senior managers 14, May, 2020 Claims culture and worker safety are hitting the headlines with some parts of the UK starting to return to work. Companies House data in February and March shows the emergence of 45 newly incorporated limited companies that contain the words ‘corona’ or ‘COVID’, with
- [Looking After Furloughed Employees](https://sentioinsurance.co.uk/employers-liability-furloughed-employees-2/) - Workforce on hold 04, May, 2020 4 Million British workers have been furloughed during the COVID-19 crisis, with the government expected to pay 80% of the salaries of as much as 6% of the entire population. Once an employee is furloughed, they are unable to work in a capacity which either makes a profit or
- [Looking after remote workers](https://sentioinsurance.co.uk/employee-work-from-home-guide/) - Working from home during COVID-19 03, May, 2020 As the UK begins to ‘unlock’ it is likely that homeworking will stay in place for some time to come. Employers are responsible for the safety of their employees even if they are working from home. The Health and Safety Executive has created a guide for employers, including
- [Cyber risks of remote working](https://sentioinsurance.co.uk/cybersecurity-during-the-pandemic/) - Keep remote workers secure 1, July, 2020 The Coronavirus pandemic has resulted in unprecedented workplace changes. While the UK is on lockdown, employers have had to make necessary adjustments to allow staff to work from home. Perhaps there will be a lasting shift towards home working – the AA predicts a permanent reduction in the demand for
- [COVID-19 Updates](https://sentioinsurance.co.uk/cover-update-covid-19/) - Our Response to Covid-19 In accordance with Government advice, most of our teams are now working from home. Our robust business continuity plan and cloud-based systems have enabled us to transition to remote working with no impact on client service. All our contact details remain the same, and we have the technology and people in
- [The Importance of limited companies having in place Shareholder Agreements](https://sentioinsurance.co.uk/the-importance-of-limited-companies-having-in-place-shareholder-agreements/) - No matter what the timing, it is important that in a limited company serious consideration should be given to putting in place a Shareholders Agreement and at Sentio we strongly recommend it. Given the current Coronavirus Pandemic, it is more important than ever that such agreements are in place. This article and YouTube clip from
- [Working from Home Guide](https://sentioinsurance.co.uk/working-from-home-guide/) - As the Coronavirus (COVID-19) pandemic continues to spread, the Prime Minister announced on 23rd March that the UK was to go into ‘lockdown’ for at least the next three weeks, effective immediately. The lockdown features a variety of measures intended to keep UK citizens indoors as much as possible, reduce person-to-person contact and help slow
- [Coronavirus - Protect Yourself and Protect Your Business](https://sentioinsurance.co.uk/coronavirus-protect-yourself-and-protect-your-business/) - In these “unprecedented” times our focus is clearly on the protection of ourselves and our employees and customers. The government have taken unprecedented steps to try to protect businesses from the financial hardship that this situation will inevitably inflict, but businesses have to also consider the physical protection of their assets. We have already commented
- [Coronavirus – Construction Sites – Protecting your Employees](https://sentioinsurance.co.uk/coronavirus-construction-sites-protecting-your-employees/) - The news headlines have been full over the last few days with reports of constructions sites operating as normal and the social distancing restrictions not being applied. It is anticipated that the Government may introduce further restrictions and require the closure of some site, but we all recognise that some of these operations fall into
- [Cyber Risks and Covid 19 – Unexpected Consequences](https://sentioinsurance.co.uk/cyber-risks-and-covid-19-unexpected-consequences/) - In line with government guidance many companies are taking action to allow employees to work from home. This may involve taking home laptops or working on home computers and other devices. In these circumstances, the exposure of their networks to attack through hacking may be increased, and the unfamiliar environment may lead to human error.
- [Protecting Workers from Coronavirus](https://sentioinsurance.co.uk/protecting-workers-from-coronavirus/) - As global concerns about COVID 19 continue to rise, many of our clients are seeking advice on what can be done to protect their workforce. Here are some key points that we have been able to extract from industry publications, which we hope will be of some assistance. Enforce self-isolation policies: Employees who have potentially
- [Phishing Attacks](https://sentioinsurance.co.uk/phishing-attacks/) - Despite peoples familiarity with phishing and the numerous tools and techniques that purport to stop it, phishing remains the number one initial form of cyber attack affecting organisations and individuals, according to the governments NCSC. A recent report from Cybsafe announced that 90% of data breaches in the UK are caused by human error, with
- [Cyber News from Sentio](https://sentioinsurance.co.uk/cyber-news-from-sentio/) - Trickbots used to access online accounts, including bank accounts. NCSC has reported that Trickbots are being used by criminals to access online accounts, including bank accounts, to obtain personally identifiable information (PII). Trickbots target victims with well crafted emails, which often contain an attachment or link which victims are instructed to open , leading to
- [Flood Planning and Business Continuity](https://sentioinsurance.co.uk/flood-planning-and-business-continuity/) - The recent news has brought into sharp focus the heightened risk of extensive flooding in the UK and the severe impact on local communities and businesses. Whilst insurance may relieve some of the financial impact on homes and businesses, the risk can be mitigated by effective planning and preparation. Business Continuity planning should be an
- [How would Cyber Insurance protect a ransomware attack such as the recent Travelex incident?](https://sentioinsurance.co.uk/how-would-cyber-insurance-protect-a-ransomware-attack-such-as-the-recent-travelex-incident/) - At the beginning of the year, the news headlines were full of the malicious cyber-attack on Travelex, the world’s largest retail currency dealer who is headquartered in London. The attackers reportedly demanded a ransom of £4.6m and threatened to release sensitive customer data unless they paid up. Meanwhile, systems were offline, with their own retail
- [Notable Care Home                 Fines and Prosecutions](https://sentioinsurance.co.uk/notable-care-home-fines-and-prosecutions/) - Managing a care home requires constant vigilance to health and safety. The tiniest slip-ups—like failing to anchor a wardrobe, neglecting to check a window restrictor or forgetting a resident’s dietary needs—can have drastic or even fatal consequences. Each resident has specific needs that you and your employees must pay attention to at all times. Additionally,
- [Managing Blocks of Flats](https://sentioinsurance.co.uk/managing-blocks-of-flats/) - In June of 2017, tragedy struck London as massive flames destroyed Grenfell Tower, a block with 127 flats and 20 residential levels. The fire began in a Hotpoint fridge-freezer and spread at a rapid pace, likely due to flammable cladding installed on the building in a recent renovation. The unexpected disaster caused 72 casualties, emotional
- [Stamping out Warehouse Fire Risks](https://sentioinsurance.co.uk/stamping-out-warehouse-fire-risks/) - Warehouses are vital repositories for a business’ stock. They store most—if not all—of a business’ goods ready for sale or distribution. Because they have such an important function—safeguarding the biggest source of a business’ income—warehouses can control a business’ fate. Any warehouse disaster, such as a fire, can have disastrous consequences, potentially shutting down the
- [Health Care Risk Insights: Protecting Patient Data from Cyber-attack](https://sentioinsurance.co.uk/health-care-risk-insights-protecting-patient-data-from-cyber-attack/) - The threat of a data breach in a health care facility is daunting. Privacy is the foundation of hospitals’ information systems, and compliance with the GDPR—along with the facility’s reputation—will be jeopardised if just one patient’s information falls into the wrong hands. Health care facilities are particular targets for two reasons: Type of data stored:
- [Choosing levels of professional indemnity insurance for solicitors.](https://sentioinsurance.co.uk/choosing-levels-of-professional-indemnity-insurance-for-solicitors/) - All solicitors in the United Kingdom are required to have professional indemnity insurance (PII) by their regulatory bodies. Solicitors in England and Wales are regulated by the Solicitors Regulation Authority (SRA), which sets out minimum terms and conditions that must be included in all solicitor professional indemnity policies. Solicitors in Scotland and Northern Ireland are
- [Gas Safety at Your Residential Property](https://sentioinsurance.co.uk/gas-safety-at-your-residential-property/) - The health of your residential property’s occupants can be jeopardised by poor gas safety, and it is your responsibility to provide a healthy indoor environment. As a landlord, you are required to repair and maintain gas pipework and appliances, ensure an annual gas safety check and keep gas safety records. An indoor air quality management
- [Manufacturing - Playing it Safe Watch Out for Eye Hazards](https://sentioinsurance.co.uk/out-for-eye-hazards/) - There are countless eye hazards on the manufacturing floor, including flying particles that are ejected by machines, chemical splash hazards and other moving parts. However, most eye injuries are preventable if you follow safety precautions, and wear your safety goggles. Use Protective Eyewear It’s a proven fact that the best thing you can do to
- [GDPR Guidance for Charities](https://sentioinsurance.co.uk/gdpr-guidance-for-charities/) - Despite the good-natured work that charities do, these organisations possess a significant risk for cyber-attacks, according to recent research from the Department for Digital, Culture, Media & Sport. In fact, more than 20 per cent of UK charities experienced a data breach in just the past 12 months. In the era of advancing technology in
- [Professional Indemnity Insurance](https://sentioinsurance.co.uk/professional-indemnity-insurance/) - The need for professional indemnity (PI) cover has grown over the past several decades as more people enter professional service-based occupations. While PI insurance still covers ‘traditional’ professionals, such as doctors, solicitors, accountants and architects, a new market of professionals now need to consider PI cover. Whether a traditional or new professional, you can protect
- [Protect Tenant Information from Identity Theft](https://sentioinsurance.co.uk/protect-tenant-information-from-identity-theft/) - As a property manager or landlord, you handle a large volume of personal information. Not only do you have to keep existing tenants’ information on hand, but you also have information collected from prospective tenants during the rental process. Collecting sensitive personal information is essential for thorough tenant referencing. However, because of this abundance of
- [Lower Costs by Implementing Safety Programmes](https://sentioinsurance.co.uk/lower-costs-by-implementing-safety-programmes/) - In today’s business climate, safety-related costs for manufacturers can be the difference between reporting a profit or a loss. Industry studies report that companies who focus on safety as a core business strategy come out ahead. Safe environments also improve employee morale, which positively impacts productivity on the manufacturing line. Use these tips to understand
- [Care Home Fire Safety](https://sentioinsurance.co.uk/care-home-fire-safety/) - The health and safety of your residents should be your top priority, so it is important that your facility is proactive in ensuring that proper fire safety precautions are in place. Without a sufficient fire safety programme, you are exposing your organisation to huge losses and legal actions that could potentially bankrupt your business. Creating
- [Rights to Light](https://sentioinsurance.co.uk/rights-to-light/) - Developing a commercial building can take a lot of planning. You and your fellow developers, investors and consultants must scrutinise every step of the planning and building process. No matter how experienced the members of your team are, they are not infallible. Certain things can slip through the cracks. One small oversight like failing to
- [Supply Chain Risk Management](https://sentioinsurance.co.uk/supply-chain-risk-management/) - While lean production has become a cornerstone of successful supply chain management and a way for businesses to stay flexible and responsive to changing tastes in their markets, the dependence on and relationship with suppliers resulting from outsourcing and minimising stock creates a host of exposures. Successfully navigating and managing the risks presented by a
- [Q&A Session for Momentum](https://sentioinsurance.co.uk/sentio-insurance-qa-session-with-momentum/) - We did a Q&A session with our principal Momentum. See below our answers. With more than 150 years’ combined experience in insurance and risk management, Sentio Insurance Brokers is made up of professionals who have held senior roles in major global brokers. Founded by Richard Waltier and Caroline Fairclough, the business now has offices in
- [Bespoke Risk & Insurance Programmes aligned to your business](https://sentioinsurance.co.uk/bespoke-risk-insurance-programmes-aligned-to-your-business/) - We understand the risk environment you operate within and appreciate some businesses can appear to have increased risk than others. This can be as a result of internal or external risk exposures and we work closely with our clients to identify these, analyse their potential impact then mitigate them through effective risk management or transfer
- [Understanding Collateral Warranties](https://sentioinsurance.co.uk/understanding-collateral-warranties/) - As the owner or manager of a construction firm, you know that construction projects, no matter the size or scope, can be significant undertakings fraught with difficulties and setbacks. Not only are you responsible for doing your job effectively and safely, but you are also responsible for fulfilling your contractual obligations to whoever hired you,
- [Combating Industrial Deafness Claims](https://sentioinsurance.co.uk/combating-industrial-deafness-claims/) - Construction sites and the production floors of manufacturing firms are teeming with the roar of engines and the whine of machines. Without the proper protection, this environment is not only in hospitable, but potentially damaging to workers’hearing. Prolonged exposure to these types of noise heavy environments can increase a worker’s risk of developing noise-induced hearing
- [Motor Claims Management Service](https://sentioinsurance.co.uk/motor-claims-management-service/) - We are pleased to announce that clients of Sentio Insurance Brokers now benefit from a dedicated motor claims management service – Momentum Motor Claims. From first notification through to repairs and settling the claim, our team of experts handle the process 24 hours a day 365 days a year. Backed by a network of repairers
- [Ogden Discount Rate Change](https://sentioinsurance.co.uk/ogden-discount-rate-change/) - “Significant Change in claim settlement calculations” The Lord Chancellor changes Ogden Discount Rate from 2.5% to -0.75% and it significantly affects insurance premiums What is the Ogden discount rate? In the settlement of insurance claims, the Ogden discount rate is used to calculate the amount of compensation a severely injured person will receive to reflect
- [Directors and Officers Insurance for Residents Associations](https://sentioinsurance.co.uk/directors-and-officers-insurance-for-residents-associations/) - Directors and Officers Insurance for Residents Associations – is it really necessary? If you are a director of a residential association, your personal assets are at risk and you could be held personally responsible for a breach of duty in carrying out day to day management activities. The company doesn’t have to be a limited
- [National Insurance Disaster Recovery and Repair Network](https://sentioinsurance.co.uk/national-insurance-disaster-recovery-and-repair-network/) - At Sentio Insurance Brokers, we are continually looking for ways to enhance our product and service offering and we are committed to service quality for all our clients. With this in mind we are pleased to announce a new partnership with Prism Network, an emergency repair and insurance reinstatement service. This facility provides us with
- [An Insurance Broker that understands Real Estate](https://sentioinsurance.co.uk/an-insurance-broker-that-understands-real-estate/) - At Sentio Insurance Brokers we have vast experience and knowledge of dealing with property insurance. Coupled with this we are always learning and developing new solutions which enable us to better assist our clients to ensure they are receiving best in class protection, at the right price, backed up by a bespoke and personal service.
- [Cyber Crime and how you can protect your business](https://sentioinsurance.co.uk/cyber-crime-and-how-you-can-protect-your-business/) - Cyber-crime is the world’s fastest growing criminal activity. The UK is the country most frequently targeted by cyber criminals across Europe with cyber-attacks rising 40% in the space of a year. But isn’t it just for the larger conglomerates? Any business, large or small that depends on IT infrastructure could be at risk of cybercrime.
- [What the Insurance ACT 2015 means for you and your business](https://sentioinsurance.co.uk/what-the-insurance-act-2015-means-for-you-and-your-business/) - The Insurance Act 2015 has been hailed by the government as “the biggest reform to insurance contract law in more than a century”. But what does it mean for you and your business? Well there are two main areas you should be aware of where you might need to change your business practices warranties on

## Pages

- [Home](https://sentioinsurance.co.uk/) - Delivering protection, supporting growth Sentio Insurance Brokers specialise in business and personal insurance solutions for a diverse range of clients.
- [Contact](https://sentioinsurance.co.uk/contact/) - Contact Us Get In Touch Birmingham Office Cornwall Buildings 45 Newhall Street Birmingham B3 3QR 0333 3660 007 enquiries@sentioinsurance.co.uk Worcestershire Office 44 Friar Street Droitwich Worcestershire WR9 8ED 0333 3660 007 enquiries@sentioinsurance.co.uk East Midlands OfficeComing Soon 0333 3660 007 enquiries@sentioinsurance.co.uk
- [Complaints](https://sentioinsurance.co.uk/complaints/) - Complaints Our aim is to provide all of our clients with an excellent level of service; however, we recognise that there may be occasions when you are not satisfied with the service you have received from us. Should you need to make a complaint, please contact our Complaints Manager using any of the following methods:
- [Terms and Conditions](https://sentioinsurance.co.uk/terms/) - WEBSITE TERMS AND CONDITIONS sentioinsurance.co.uk Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Sentio’s relationship with you in relation to this website. If you disagree with
- [Meet The Team](https://sentioinsurance.co.uk/meet-the-team/) - Meet Our Team Senior Management Team Richard WaltierMBA, CertCIICHIEF EXECUTIVE OFFICER Richard Waltier - Director Current role and experience As a founding director of the business and a former army officer, I have over 40 years of experience in risk and insurance. I previously held senior leadership roles in the industry, at global insurance brokers
- [Therapy and Wellbeing](https://sentioinsurance.co.uk/therapy-and-wellbeing/) - Insurance for Therapy & Wellbeing Professionals At Sentio, we understand that no two therapy or wellbeing businesses are the same, and your insurance shouldn’t be either. Our dedicated scheme offers tailored protection for physiotherapists, rehab clinics, holistic practitioners, and wellness professionals. Whether you’re a sole practitioner or running a busy clinic, we’re here to support
- [Partners](https://sentioinsurance.co.uk/partners/) - Partner Services We appreciate that the mitigation of risk isn’t purely about insurance.Here are our partners, who can help with the day to day operation of your business. HOVER OVER EACH BOX BELOW Mortgage Solutions Dwello Mortgages Expert mortgage broker offering personalised guidance and a wide range of mortgage products for homebuyers, remortgaging, and buy-to-let
- [Privacy Policy](https://sentioinsurance.co.uk/privacypolicy/) - PRIVACY NOTICE Please take time to read this document carefully as it contains details of the basis on which we will process (collect, use, share, transfer) and store your information. You should show this notice to all parties related to this insurance arrangement. If you have given us information about someone else, you are deemed
- [Our Chartered Status](https://sentioinsurance.co.uk/chartered/) - Our Chartered Status Trust in Excellence You’re dealing with a Chartered firm. Our Chartered title is a public declaration of our commitment to professional standards, granted by the Chartered Insurance Institute (CII)—the professional body for insurance dedicated to building trust in the insurance and financial planning profession. What This Means for You Ethical Commitment:We adhere Learn about Sentio Insurance Brokers' Chartered status, awarded by the Chartered Insurance Institute (CII), highlighting our commitment to professionalism, ethical standards, and ongoing expertise in providing trusted insurance solutions.
- [Sentio & Physio First](https://sentioinsurance.co.uk/physio-first/) - What We Do We’re delighted to be working with Physio First to support their members with tailored risk advice and comprehensive insurance coverage. Our policy is specifically designed for physiotherapists and healthcare professionals, offering essential protection, including Medical Malpractice/Professional Indemnity, Public Liability, Product Liability, Employer’s Liability, and general liabilities such as Business Contents and Equipment Insurance. This
- [Services](https://sentioinsurance.co.uk/services/) - Services Sentio Insurance Brokers is a privately owned business created by individuals who have worked in senior positons for major international and UK Regional insurance brokers, bringing this experience, knowledge and passion to support their clients. Our clients are the focal point of everything we do and the reason for our existence, our ‘life and
- [About](https://sentioinsurance.co.uk/about/) - About Us Who We Are Sentio Insurance Brokers is a privately owned business created by individuals who have worked in senior positions for major international insurance brokers bringing this experience and passion to support their clients. Indeed, our clients are the focal point of everything we do and the reason for our existence, our ‘life
- [Cyber Security](https://sentioinsurance.co.uk/cyber-security/) - You’ve likely heard the saying, “A good reputation takes years to build but only seconds to destroy.” In today’s fast-paced, technologically advanced world, this couldn’t be more true.It’s why many businesses that fall victim to a cyber-attack have attempted to keep it secret, withholding the breach from their customers—the very people whose personal information was
- [Claims Management](https://sentioinsurance.co.uk/claims-management/) - We work closely with our clients to develop strategies aimed at preventing claims from occurring.However, we recognise that, unfortunately, claims do arise from time to time. When they do, it is essential to act swiftly and efficiently to prevent further loss, secure prompt settlement of the claim, and restore our clients to their pre-loss position.Unlike
- [Risk Management](https://sentioinsurance.co.uk/risk-management/) - Sentio Risk Diagnostic Framework We work closely with our clients to help them understand their risks and implement solutions, including insurance, to mitigate or even eliminate those risks altogether. By profiling the identified risks, we gain a clearer understanding of the level of exposure they present and determine the most effective ways to manage them.
- [Private Clients](https://sentioinsurance.co.uk/private-clients/) - At Sentio Insurance Brokers, we recognise that your home, contents, and personal assets are among the most important things in your life.We take the time to understand what those assets are, ensuring they are properly protected through our bespoke Private Client insurance solutions.With expertise in insuring a wide range of personal assets, we have access
- [Charity & Care](https://sentioinsurance.co.uk/charity-care/) - At Sentio Insurance Brokers, we have extensive knowledge and experience in working with charities, care organisations, and not-for-profit entities.We are passionate about supporting these organisations, with many of our staff personally involved in similar causes—something we actively encourage and promote.We take pride in dedicating time to fully understand our clients’ operations and the services they
- [Real Estate](https://sentioinsurance.co.uk/real-estate/) - We specialise in Real Estate Insurance, offering a broad range of bespoke solutions tailored to clients in the property sector. Our focus is on delivering commercial value, working with market-leading insurers to provide best-in-class cover and policy wordings.Our bespoke insurance solutions are designed to mitigate the diverse risk exposures faced by property owners and investors.With
- [Commercial](https://sentioinsurance.co.uk/commercial/) - At Sentio Insurance Brokers, we recognise that no two businesses are alike, although many share similar exposures within their sectors.Over the years, we have developed a deep understanding of these risks and, with our extensive experience, we have gained valuable insights into our clients’ risk profiles and exposures. This enables us to design and implement
- [Claims](https://sentioinsurance.co.uk/claims/) - Claims How to make a claim You never want to know how it feels to deal with a claim, but when you do have a claim, you want to know you’re supported. Sentio Insurance understands that dealing with claims can be stressful, time consuming and it might sometimes feel a bit overwhelming. That’s why we’re
- [Home-original](https://sentioinsurance.co.uk/home-original/) - DELIVERING PROTECTION, SUPPORTING GROWTH DISCOVER THE DIFFERENCE, SPEAK TO OUR TEAM OF EXPERTS Sentio Insurance Brokers is a privately owned independent business that specialises in arranging business and personal insurance solutions for a diverse range of clients. We value our clients and deliver a bespoke, high level of service to them to ensure they are
- [Pubs](https://sentioinsurance.co.uk/pubs/) - Insurance FOR PUBS SPECIALIST PUB INSURANCE FOR UK VENUES Running a pub comes with a variety of risks whether it’s a traditional country pub, gastro, or a live music pub, making sure you have suitable insurance cover is a must.With our many years of experience in this sector, we can help guide you through what
- [Sectors We Insure](https://sentioinsurance.co.uk/sectors-we-insure/) - SECTORS WE INSURE RESTAURANTS PUBS BARS HOTELS &GUESTHOUSES NIGHTCLUBS CAFES SPORTS &SOCIAL CLUBS FRANCHISES TAKEAWAYS &MOBILE CATERING NOT SURE WHAT COVER YOU REQUIRE? REQUEST A CALL BACK
- [Our Partners](https://sentioinsurance.co.uk/our-partners/) - OUR PARTNERS Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
- [Sample Page](https://sentioinsurance.co.uk/sample-page/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger

## Categories

- [Uncategorized](https://sentioinsurance.co.uk/category/uncategorized/)
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- [insurance](https://sentioinsurance.co.uk/category/insurance/)
- [Charity & Care](https://sentioinsurance.co.uk/category/charity-care/)
- [commercial](https://sentioinsurance.co.uk/category/commercial/)
- [Real Estate](https://sentioinsurance.co.uk/category/real-estate/)
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- [Health](https://sentioinsurance.co.uk/category/health/)
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