Author: Jess Fagan

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Posts by Jess Fagan

The Real Cost of Factory Fires and Floods and How Insurance Protects You

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Factories face many risks, but fire and flood remain the most destructive. These events can shut down production, destroy buildings and machinery, and leave businesses struggling to recover. Without the right factory insurance, the financial cost can be overwhelming. In this guide, we explain how fires and floods affect factories, what  the real costs can […]

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Factory Insurance Explained: Covering Machinery, Materials and More

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Factories remain the backbone of UK manufacturing, producing goods that fuel construction, retail, and global exports. Yet factories face complex risks every day. Heavy machinery, valuable raw materials, and large workforces mean that even minor incidents can result in significant financial loss. Without suitable insurance, recovery can be extremely difficult. This guide explains the key […]

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Stock, Staff and Site Safety: A Guide to Builders Merchant Insurance

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Builders merchants play a vital role in the construction supply chain. They provide timber, bricks, tools, and protective equipment to both trade and public customers. But operating a merchant business is not without challenges. Stock must be secured, staff must be kept safe, and sites must remain operational. Without the right insurance, a single claim […]

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Builders Merchant Risks Explained: Why Public Liability Isn’t Enough

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Public liability insurance is often considered the foundation of protection for businesses dealing with the public. For builders merchants it is essential, but relying on it alone leaves serious gaps. Merchants face a wide range of exposures that cannot be addressed by public liability cover on its own. This guide explains why specialist builders merchant […]

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From Timber to Tools: The Essential Covers Every Builders Merchant Needs

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Running a builders merchant is a cornerstone role within the UK construction supply chain. Merchants supply everything from timber and steel to power tools and protective equipment, often operating from large depots or yards with constant traffic from trade professionals and delivery vehicles. But with such operations comes a wide range of risks. Theft, workplace […]

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Auction House Risks in 2025: Why Specialist Insurance Matters

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Running an auction house in 2025 comes with many rewards. You help people buy and sell fine art, antiques, and valuable assets. But it also comes with many risks. That is why auction house insurance is so important. Without the right cover, one claim could cost more than your business can handle. Why Auction Houses […]

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Protecting Art, Antiques & Assets: What Auction House Insurance Should Cover

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An auction house is more than a salesroom. It is a place where rare art, fine antiques, and valuable assets change hands. These items can be worth thousands or even millions. That is why having the right auction house insurance is so important. Without proper cover, one accident or claim could cause huge losses. Why […]

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Do Auction Houses Need Specialist Insurance? Key Covers Explained

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Running an auction house comes with big risks. You deal with high value items, many visitors, and fast moving sales. That is why having the right auction house insurance is so important. This type of cover is designed for businesses that sell art, antiques, cars, or other goods at public or private sales. What Is […]

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Specialist Car Insurance for IN10 Convictions: What You Need to Know

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An IN10 driving conviction is issued when a driver is caught operating a vehicle without valid insurance. It is one of the most common motoring convictions in the UK, but it carries serious consequences for your ability to get cover in the future. Many drivers ask if they can still secure insurance after this type […]

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The State of UK Fleet Insurance in 2025: Facts & Figures Every Business Should Know

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Running a fleet in the UK has never been more challenging. Between rising insurance premiums, regulatory pressures and vehicle costs, businesses are under increasing pressure to balance budgets while keeping drivers safe on the road. Fleet insurance plays a critical role, yet many organisations underestimate just how exposed they are without the right cover. This […]

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