Author: Jess Fagan

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Posts by Jess Fagan

Mobile Beauty Therapist Insurance: From Treatment Risks to Public Liability

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Working as a mobile beauty therapist in the UK comes with a distinct set of risks that are not always present in salon-based businesses. Providing treatments in clients’ homes, transporting valuable equipment, and working across multiple venues can all create challenges that require tailored insurance solutions. Mobile beauty therapist insurance can be arranged to support […]

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Public Liability Insurance for Small Businesses: Do You Really Need It?

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Public liability insurance is often discussed as a key form of business protection, but many small business owners remain unsure whether it is necessary for their specific operations. While not legally required in the UK, this type of insurance can play a vital role in helping to manage risks associated with third-party injury or property […]

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What Happens If You Don’t Have Product Liability Insurance? Legal & Financial Risks Explained

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Selling, manufacturing or distributing products in the UK involves a duty of care to consumers. If a product causes injury or damage, the party held responsible may be exposed to claims, investigations and legal costs. Without product liability insurance, these risks could directly impact a business’s finances and reputation. We explore the potential legal and […]

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Do You Need Product Liability Insurance If You Sell on Amazon, Etsy or eBay?

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Selling products through online platforms such as Amazon, Etsy, or eBay can open up valuable opportunities for small businesses and independent retailers. However, with increased reach comes increased responsibility. If a product causes injury or damage, sellers could be held liable, even if they did not manufacture the item themselves. We explore what product liability […]

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Product Liability Insurance for Importers & Wholesalers: Who’s Legally Responsible?

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Importers and wholesalers play a vital role in the supply chain, but with that comes exposure to potential liability. If a product causes harm, legal responsibility may not always rest with the original manufacturer. UK law can hold other parties accountable, particularly where overseas producers are involved. In this article, we explore who could be […]

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Customising Commercial Combined Insurance: How to Build the Right Package for Your Business

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Businesses often require protection across multiple risks, but managing individual policies for each one can lead to complexity, duplication, or gaps in cover. Commercial combined insurance offers an efficient way to group essential protections into one package that suits the specific needs of the business. In this guide, we explain how commercial combined policies can […]

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Hotel Business Interruption Insurance: Protecting Your Profits During Downtime

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Running a hotel in the UK can involve managing a wide range of operational risks. From fire and flooding to equipment failure and unforeseen closures, these incidents can cause significant disruptions to trading. Loss of income during downtime may have a major financial impact, especially in the hospitality sector where margins can be sensitive to […]

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Guest Belongings Insurance: Does Hotel Cover You for Loss & Damage?

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Hotels in the UK have a duty to provide a safe and secure environment for their guests. However, even with robust security measures in place, there can be incidents where guest belongings are lost, stolen, or damaged during a stay. For hotel owners and managers, understanding whether hotel insurance can offer protection for guest property […]

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Bundling Bakery Insurance: What to Know

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When running a bakery, protecting the business means looking beyond just ovens and cakes. Bakery insurance can cover a wide range of risks. Many bakeries arrange several types of cover together, known as bundling insurance. This helps ensure the right level of cover without missing key protections. We explain which types of bakery insurance can […]

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Public Liability Insurance for Butchers: Customer Safety and Legal Protection

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When running a butcher shop, looking after customers is key. But accidents can happen. Public liability insurance for butchers is there to help protect against legal costs and claims if someone gets hurt or property is damaged. We help explain why public liability insurance matters for butchers, what it can cover, and how brokers can […]

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