Author: Jess Fagan

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Posts by Jess Fagan

HMO Landlord Insurance UK: How It Differs from Standard Landlord Cover

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Managing a house in multiple occupation (HMO) brings unique risks compared to letting out a single household property. Understanding the key differences between HMO landlord insurance and standard landlord cover is important for protecting both property and income. As brokers, we help landlords arrange cover suited to the specific challenges that come with HMO properties. […]

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Buy-to-Let Insurance Checklist: 6 Must-Have Covers for Landlords

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When renting out a property, it is important to understand exactly what buy-to-let insurance can cover. There is no single legal requirement for landlords to hold this type of policy in the UK. However, many mortgage lenders, letting agreements, and risk management strategies make it a recommended choice. In this guide, we outline six key […]

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Is Buy-to-Let Insurance Legally Required in the UK? A Clear Answer

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When arranging cover for a rental property, many landlords ask whether buy-to-let insurance is a legal requirement in the UK. While some insurances may be required by law, others are strongly recommended to help protect both property owners and their tenants. In this guide, we explain exactly what is and is not required, what buy-to-let […]

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Why Buy-to-Let Insurance Pays for Itself

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Owning a rental property can bring steady income, but it also comes with risks. Whether it is a single flat or a portfolio of houses, buy-to-let insurance is designed to provide financial protection against events that could affect your property, income, or liability. We assist landlords in arranging tailored buy-to-let insurance policies that reflect the […]

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From Empty Shops to Office Blocks: Why Vacant Commercial Properties Still Need Insurance

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When a commercial property sits vacant, it may seem like there is less to insure. No tenants, no business operations, no customer footfall. Yet empty commercial properties carry real risks that can leave landlords financially exposed without the right protection in place. We support landlords across the UK in arranging commercial landlord insurance that accounts […]

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Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?

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When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial landlord insurance and tenant business insurance serve different purposes. Knowing where the responsibilities lie helps property owners avoid gaps in financial protection. Below, we explain what commercial landlord insurance is designed to […]

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Florist Insurance: Protecting Your Flowers, Stock and Business Reputation

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Running a flower shop means more than arranging bouquets. It means looking after your business, stock, and customers. Florist insurance helps protect against accidents, damage, or claims that could affect your shop’s future. We help explain why insurance matters for florists, what types of cover may apply, and how brokers can support small businesses in […]

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Do You Need Butcher Shop Insurance If You Run a Mobile Stall?

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Setting up a mobile butcher stall at markets or events can help reach new customers. But just like a permanent shop, a mobile butchery faces risks. From public liability insurance to stock cover, having the right butcher shop insurance could help protect your business. In this guide, we explain why butchers with mobile stalls may […]

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Stock and Equipment Cover for Butchers

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Running a butcher shop means managing stock, specialist tools, and chillers every day. From fresh meat supplies to heavy-duty cutting machines, these items could be expensive to replace if something goes wrong. Butcher shop insurance can help protect your business against the cost of damage, breakdown, theft, or other risks linked to stock and equipment. […]

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Public Liability Insurance for Bakeries: Why It’s Essential for Customer Safety

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Running a bakery means more than baking bread or cakes. Serving the public comes with risks, especially if customers visit your shop, market stall, or event stand. Public liability insurance for bakeries helps protect against accidents that may happen to customers or members of the public. We explain why this type of cover matters, what […]

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