News and Business Updates
Welcome to our News and Business Updates section — your source for the latest insights, insurance news, and practical advice to help protect and strengthen your business. Here, we share updates on insurance trends, compliance requirements, health and safety best practice, and risk management tips relevant to your industry.
Whether you’re looking to stay informed about policy changes, improve workplace safety, or understand how new regulations may affect your cover, this page provides clear, useful information to support confident decision-making.
Why Public Liability Insurance Won’t Cover Damage to Your Work in Progress
When something goes wrong on a job, it’s natural to assume your insurance will step in. But not all damage is treated equally, and understanding the difference between Public Liability and Contract Works cover can save you from nasty surprises.
Professional Indemnity Insurance: Why Insurers Care About Assignments Under Contract
When consultants or contractors take on work, the conversation regarding the contract often turns to Professional Indemnity (PI) insurance. One area that regularly raises questions is assignments under contract.
At first glance, assignments might seem like a simple legal formality – but from an insurer’s perspective, they can have a big impact on risk, liability, and ultimately how cover responds.
Property Insurance – What Does “British Standard” Mean for Locks?
As insurance brokers, we’re often asked what makes a lock “insurance approved” and more often than not, the answer starts with whether or not it meets a British Standard. When we refer to a lock being British Standard approved, it means it has been rigorously tested for strength, security, and durability, and meets criteria set by the British Standards Institution (BSI). These locks are designed to withstand common forms of attack such as drilling, picking, and forced entry. From an insurance perspective, having the right lock in place isn’t just about security – it’s also about policy compliance. Many home and commercial property insurers require locks to meet specific standards as a condition of cover.
Understanding Insurers Minimum Security Requirements for Doors in the UK
As insurance brokers, one phrase we hear often use is: “minimum security requirements.”
But what does that actually mean for your property? And how do you make sure your doors and locks meet your insurer’s expectations, particularly when it comes to theft, break-in, or forced entry claims? In this guide, we break down the key elements of door security for both residential and commercial properties, including which locks meet minimum standards, how to check if your property is compliant, and how these requirements affect your insurance cover.
Drone Insurance UK – Commercial, Fleet & Hobby Cover
If you operate a drone commercially under 20kg, public liability insurance compliant with EC785/2004 is a legal requirement. This protects you against injury or property damage claims caused by your drone. Even for hobbyists, drone insurance is highly recommended. Accidents can happen, and without the right cover, you could face costly repair bills or compensation claims.
HMO & Student Landlord Insurance in Kent
Standard landlord insurance is often not enough for HMOs, as letting to multiple tenants comes with unique risks, such as higher wear and tear, increased liability, and stricter legal obligations.
The Essentials of Commercial Landlord Insurance: What Every UK Property Owner Should Know
Commercial landlord insurance is designed specifically for the needs of commercial property owners. At its core, it protects the building itself, covers liability if someone is injured on the premises, and can include extra support like legal cover or loss of rent if something goes wrong.
10 Reasons to Buy Directors & Officers (D&O) Insurance
10 Reasons to Buy Directors & Officers (D&O) Insurance 1.SMEs Face the Same Risks as Large CompaniesSmall and medium-sized enterprises (SMEs) are just as vulnerable to D&O claims as larger corporations. They must comply with the same regulations but often...
Public Liability Insurance for Carpenters in the UK
Whether you’re crafting bespoke staircases, installing kitchen units, or fitting oak beams in a listed property, accidents can (and do) happen. That’s why Public Liability Insurance is a must-have for carpenters and joiners. And the good news? At Clarke Williams Insurance Brokers, cover starts from just £40 per year – and that’s with A-rated insurers. But we don’t stop at just a low price. We offer real cover, tailored advice, and personal service – the kind you won’t get from a comparison website.
What Architects Need to Know About the Building Safety Act and the Principal Designer Role
Since the Building Safety Act 2022 came into force, we’ve seen a rise in questions from architects about their evolving responsibilities—particularly around the Principal Designer role.
Whether you’re working on small residential extensions or large commercial developments, the Act affects how you approach risk, safety, and compliance. And if you’re not already aware, you might be taking on the Principal Designer role by default-even without a formal appointment.
Navigating Risk: A Marketing Company’s Guide to Professional Indemnity Insurance
Navigating Risk: A Marketing Company’s Guide to Professional Indemnity Insurance In the fast-paced world of marketing, even the smallest mistake can lead to significant financial loss or legal disputes. This is where Professional Indemnity (PI) Insurance comes into...
Insurance Solutions for Restaurants, Hotels, Bars, and Leisure Venues
At Clarke Williams Insurance Brokers, we understand that no two hospitality businesses are the same. Whether you operate a boutique hotel, a vibrant restaurant, or a unique leisure venue like a bowling alley or escape room, we’re here to provide the specific protection you need.
Our goal is to offer insurance that adapts as your business grows, giving you peace of mind to focus on delivering memorable experiences to your guests.
What Information Is Needed for a Driver’s Negligence Claim?
Filing a Driver’s Negligence claim requires careful attention to detail, starting with determining whether the incident qualifies under this category. Understanding the difference between Driver’s Negligence and a Road Traffic Accident (RTA) is essential to ensure your claim is valid and directed through the correct process.
Group Personal Accident & Business Travel Insurance for Businesses and Charities
Group Personal Accident (GPA) insurance provides financial protection if an employee suffers an injury or fatal accident – whether they’re commuting, travelling for business, or even during their free time (depending on the cover you choose).
It offers employers a way to support staff financially through lump sum benefits or weekly payments, easing the burden of recovery and demonstrating a real commitment to employee wellbeing.
The Hidden Dangers of Cancelling Your Professional Indemnity Insurance
Professional Indemnity (PI) insurance isn’t just another business expense—it’s a crucial safeguard against claims of negligence, errors, or omissions in your work. Unlike other types of insurance, PI operates on a “claims made” basis, meaning it only covers claims that are reported while the policy is active. This makes cancelling or failing to renew your PI insurance a risky move, potentially exposing you to costly legal battles, financial loss, and professional setbacks.
Warehouse Buildings Insurance – Protect Your Premises and Operations
Warehouse buildings insurance protects the physical structure of your warehouse against damage from fire, flood, storm, vandalism, and other insured events. If your property is damaged or becomes unusable, your policy can cover the cost of repairs or a full rebuild ensuring you’re not left with a major financial burden.
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