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Clarke Williams Insurance Brokers

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What is Legal Expenses Insurance?

Legal Expenses insurance is an additional area of cover, often added to household, motor or packaged commercial insurance policies to provide access to legal advice and a sum insured for legal costs to help defend you (or your business), or take action against a third party who has wronged you.

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Force Majeure and Contract frustration

Force majeure is generally defined as “The occurrence of an event that is beyond the parties involved in the contracts control, which could not have been foreseen at the time of signing the contract and prevents one of the parties from fulfilling their contractual obligations.”

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Health and Safety – Statistics and Insurance

PPE, Social Distancing and Covid Testing has also become a very regular feature for some. Whilst we are looking at further spikes with the more transmittable Delta Variant, there is plenty of optimism that we can develop strategies to control and hopefully reduce the long term effects of this disease on our way of life.

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Liability Insurance – Labour Only Sub-Contractor v Bona-Fide Subcontractor

One of the most frequently asked questions by a client under their liability insurance is the status of various subcontractors : – e.g. those engaged by a policyholder to perform work on its behalf. An insurer will normally define these into two major categories and it is material to your policy that the relevant percentage split or numerical wage rolls are accurately declared in respect of those.

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The rise of the green contractor

Contractors may need to go green to keep up with the demand for building changes in the future. A CITB report has estimated that 350,000 new construction jobs will be required in the UK in order to meet the government’s 2050 environmental target which aims at achieving a net zero on emissions.

The target to reduce our Nationally Determined Contribution (NDC) under the Paris Climate Agreement is among the highest in the world and commits the UK to cutting emissions at the fastest rate of any major economy. The UK construction industry contributes to approximately 40% of emissions according to the UK Green Building Council (UKGBC) and reducing this to net zero represents a huge challenge for the government and construction industry which will need to move away from traditional construction methods utilising eco-friendly and sustainable materials.

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Directors’ and Officers’ Liability Insurance Quote

As a Company Director there are a number of responsibilities placed upon you to act with care, in good faith and within the law, to act in the best interests of the company and indeed a responsibility to ensure that other Directors do likewise. Should someone allege that you have not met any of these responsibilities then a claim may arise against you personally.

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Manufacturing Insurance Needs

Certain types of insurance needs require specialist knowledge to dissect and understand the needs of the customer, manufacturing business in particular provide this challenge for an insurance broker.
There are many thousands of manufacturing businesses in the UK, providing products for all types of end customer, whether that be specialist military electronics, or plastic bath toys!

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6 common mistakes when purchasing small business insurance.

Every business aims to cut down expenses and maximize profits, most people find cheap insurance policies very enticing and risky. As much as price is a concern, it is vital that you research on the efficiency of the insurance company first. For instance, check their security rating, how effective their claim service is, and how prompt they are in reimbursing. Checking through online reviews can be a good starting point in your research. If something appears to be too good to be true it usually is!

When arranging a home-based business insurance policy, you may want to consider covering computers, tools, and other business equipment you keep at home.

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What is home business insurance?

You might assume home insurance covers you while working from home, but this usually isn’t the case. Most home insurance policies have restrictions on what you can do from your home and they certainly won’t cover you for the products you produce or sell, or the professional service that you provide.

When arranging a home-based business insurance policy, you may want to consider covering computers, tools, and other business equipment you keep at home.

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    Clarke Williams Ltd are authorised and regulated by the Financial Conduct Authority under reference 758683. The Financial Conduct Authority’s Register can be accessed through http://www.fca.org.uk/ . We are registered in England and Wales with Companies House under number 10317065. Our registered office address is 194 High Street, Tonbridge, Kent, TN9 1BE

    Clarke Williams Ltd
    194 High Street
    Tonbridge
    TN9 1BE

    Tel: 01732 252 898

    © 2019 Clarke Williams Ltd

      01732 252 898