If my business isn’t able to operate because of COVID-19, should I just cancel my insurance policy or can I stop paying the premiums? Even in a time when a business is unable to operate as usual due to the impacts of COVID-19, it’s important that businesses remain covered for standard risks, many of which may be more likely when the property is unoccupied, such as vandalism of the property, theft of stock or equipment, or even loss of information or damage to IT systems and networks. If you stop paying your insurance premiums your policy is null and void and you won’t…Continue Reading
Update on Unoccupied Premises
As a result of Government guidance, a number of business premises are now closed due to COVID-19. But what does this mean for your buildings insurance cover? Normally, if your building is going to be unoccupied for more than a set number of days (on average around 30 days), you must notify your insurance provider as this will impact the cover offered in your policy. However, due to the current situation many insurers are now relaxing their position on temporarily unoccupied premises. A number of them now consider temporarily unoccupied to mean where you have followed Government advice to close your…Continue Reading
Masterbrew – COVID-19 Update
COVID–19 is a rapidly evolving situation and now, following the announcement of new guidelines, the country is effectively in lockdown, asking people to stay inside, closing all non-essential businesses and increasing travel restrictions. For many breweries, this means having to shut up shop for the foreseeable future. However, the government has provided safety advice for those able to offer takeaway services and taken measures to help businesses with payments during these difficult, uncertain times. Here is what we currently know about how your brewery might be affected: Beer Duty The HM Treasury’s Head of Excise, confirmed that the Chancellor will not be cancelling the March Beer Duty payment. Despite calls for the cancellation, the Chancellor has as yet, decided against it although this may change over…Continue Reading
Are Your Employees Putting Your Business At Risk?
As of 2020, cyber security has been named the number one threat to businesses, having risen 15 places in the last seven years. Is there more businesses could be doing to examine the source of the problem and find solutions to reduce the risk? Our Sales and Marketing Director, Mike Dickinson describes the escalating threat within the workplace and what you can be doing to prevent vicious and costly cyber attacks. Technology is the driving force in most businesses. Used as a method of communication and way of storing confidential information such as financial data or executive business decisions, technology is…Continue Reading
Making Healthcare Insurance An Affordable Option for SMEs
Many SMEs believe the prospect of offering employees private healthcare insurance stretches beyond their budget. But in an increasingly competitive job market, and with the potential benefits and cost savings of reducing absenteeism and increasing productivity, can they afford not too? Chris Cunnington, Business Healthcare Manager at Nottingham’s largest independent insurance brokers, Russell Scanlan, looks at how attractive workplace benefits need not be out of reach for smaller companies. With Brexit leaving the cost of importing and exporting goods uncertain, the continuous rise of minimum wage, increased rent prices and the threat of potentially financially-crippling cyber attacks, SME’s are facing…Continue Reading
ARTICLE: Through the Grapevine
We spoke to Mary Trease, Sales Director and Head Wine Buyer at Nottingham-based independent wine and spirit merchants, Weavers to discover the latest trends in the world of wine and get her recommendations for what to drink this festive season. What are the key trends in wine at the minute? Like any consumer product, wine is subject to shifting trends and fashions. Generally speaking, people have a broader repertoire than ever before, and are thinking carefully about what they’re drinking, looking for an experience and a sense of the occasion. Wine trends can be difficult to predict but there’s been some…Continue Reading
ARTICLE: Planning your next break?
Heading on holiday during the winter is a great way to escape the cold and get some of that much needed Vitamin D. Whether it’s relaxing on the beach or exploring a new city, enjoying some much-needed sun during the winter months is a tempting prospect. It can be difficult to know exactly where the best spots are during the cooler months so we spoke to Claire Winiarski, an independent travel agent from The Holiday Village, (who are a part of the Midcounties Consortia) who has 27 years’ experience in the travel industry about her winter sun recommendations. Where are the…Continue Reading
ARTICLE: Keeping Your Home Safe This Winter
As winter draws in and the hours of darkness increase, it is often the time when security comes more to the forefront of our minds. According to the Office of National Statistics, there were 669,000 incidents of domestic burglary in 2018 and it was reported that burglaries spiked by one third after the clocks went back, so we are justified in our need to feel safe during the winter months. But what can you do to improve the security of your home and what difference if any do some of these measures make to your insurance premiums? Getting the basics right…Continue Reading
Winter is Coming – Is Your Business Prepared?
With forecasters predicting the harshest winter for 30 years, it is becoming apparent that severe weather conditions are becoming more frequent with each passing year. Torrential rain, storms and heavy snowfall can cause damage to businesses and homes. Russell Scanlan’s Sales and Marketing Director, Mike Dickinson offers some tips on how planning for poor weather conditions can reduce disruption and avoid costly claims to your business. Over the course of the summer, we witnessed some of the highest temperatures and heaviest rainfall on record. Recent weather trends are just another reminder that with each year seems to bring more unpredictable weather….Continue Reading
Recruiting Top Talent: How SMEs Can Compete With Larger Corporations
As many sectors continue to grapple with acute labour shortages, businesses are increasingly looking at their ‘perks portfolio’ in order to both retain and recruit talent. For SMEs, this can offer a significant challenge as many are losing out to larger competitors. Our Sales & Marketing Director, Mike Dickinson looks at how attractive workplace benefits need not be out of reach for smaller companies. In a recent survey by Santander, only 35% of Gen Z and Millennials leaving full time education, wanted to work for an SME. In comparison, half aspire to working for a large corporation with a perception of…Continue Reading