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

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

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 lobby
Hotel Business Interruption Insurance: Protecting Your Profits During Downtime

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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reception at a hotel
Guest Belongings Insurance: Does Hotel Cover You for Loss & Damage?

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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butchers
Public Liability Insurance for Butchers: Customer Safety and Legal Protection

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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florist preparing flowers
From Bouquets to Broken Windows: What Florist Insurance Actually Covers

Running a florist shop involves more than creating beautiful bouquets. From looking after fresh stock to serving customers safely, there are many risks a florist business could face. Florist insurance is designed to help protect against unexpected problems, helping to cover costs if something goes wrong. We explain what florist insurance covers, why it matters, […]

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Parked driver looking frustrated with his head in his hands
Declaring Drink Driving Convictions

By law, customers must fully and accurately complete all of the questions on the insurance form. Previously, the law instructed customers to declare all ‘material facts’, regardless of the questions on the form. However, a recent change to the law states that it is now the insurer’s responsibility to ask the right questions. When seeking […]

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A lorry driving on a motorway carrying goods, representing UK haulage and transport insurance
Lorry Insurance Explained: What It Covers and Why Haulage Businesses Need It

Operating a lorry or HGV is more than just driving from point A to point B. Every mile comes with responsibility for expensive equipment, valuable cargo, and public safety. Without the right insurance, one accident can put your entire operation at risk. That is why lorry insurance is essential for any business that transports goods. […]

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