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Insurance excess is the amount you pay towards a claim before the insurer pays the rest. This guide explains the difference between compulsory and voluntary excess, how excess affects premiums, and when excess waivers are available.
23 Jun 2026 · 7 min read
Combining multiple business insurance covers into a single policy simplifies administration and often reduces cost. This guide explains what combined SME insurance solutions include, how package policies work, and what to check before buying bundled cover.
15 Jun 2026 · 3 min read
Insurance brokers are required by the FCA to hold professional indemnity insurance. This guide covers what PI cover for brokers includes, FCA minimum requirements, and what run-off cover means when a brokerage closes.
15 Jun 2026 · 2 min read
Dog walkers, pet sitters, and pet care businesses need public liability and care, custody and control insurance. This guide covers what pet business insurance includes, what animal liability covers, and what key loss cover adds.
15 Jun 2026 · 3 min read
Business continuity planning helps SMEs survive disruption. This guide covers what business interruption insurance covers, how continuity plans and insurance interact, and what cyber and supply chain resilience insurance adds.
15 Jun 2026 · 3 min read
Working from home creates insurance gaps. This guide explains what standard home insurance covers for home office use, what business equipment policies add, and what public liability home workers need when clients visit.
15 Jun 2026 · 3 min read
Home emergency insurance covers the cost of emergency call-outs for boiler breakdown, plumbing failures, and electrical faults. This guide explains what home emergency cover includes, what is excluded, and how it differs from a boiler service plan.
15 Jun 2026 · 3 min read
Uber drivers in the UK need private hire vehicle insurance. This guide explains what PHV cover is required, how Uber's own insurance interacts with driver policies, and what to check when driving for multiple platforms.
15 Jun 2026 · 2 min read
Fleet insurance covers multiple business vehicles under a single policy. This guide explains how fleet insurance works, what any driver cover means, when a fleet policy is more cost-effective than individual policies, and what telematics adds.
15 Jun 2026 · 2 min read
Subsidence is one of the most complex and expensive home insurance claims. This guide explains what subsidence cover includes, what underpinning costs, how to get insurance after a subsidence claim, and what clay soil risk means for premiums.
16 Jun 2026 · 3 min read
Catering businesses, restaurants, and hospitality operators need specialist insurance covering food liability, employers liability, and business interruption. This guide explains what catering insurance includes and what food hygiene compliance means for cover.
15 Jun 2026 · 2 min read
Landlords in England and Wales must meet minimum EPC ratings for rental properties. This guide explains the current EPC requirements, what the proposed changes mean, and how energy efficiency improvements affect landlord insurance.
15 Jun 2026 · 2 min read
Construction contractors need public liability, employers liability, contract works, and professional indemnity. This guide covers what construction insurance includes, what JCT contracts require, and what specialist contractor covers add.
15 Jun 2026 · 2 min read
Redundancy and unemployment insurance covers your income if you are made redundant. This guide explains what payment protection insurance covers, what exclusions apply, and how it differs from statutory redundancy pay.
15 Jun 2026 · 2 min read
Group personal accident insurance provides lump sum and weekly income benefits to employees injured outside work. This guide explains how GPA cover works, how it differs from employers liability, and what employers typically include.
15 Jun 2026 · 2 min read
Taking in a lodger changes your home insurance. This guide explains what you must tell your home insurer, how cover is affected, and when you need landlord insurance instead.
15 Jul 2026 · 8 min read
UK businesses can need many different types of insurance. This guide explains the main categories of business insurance, which are legally required, and how to build a policy programme appropriate for different business types.
15 Jun 2026 · 2 min read
Roofing contractors face elevated liability exposure from working at height. This guide covers what roofer insurance needs to include, what working at height exclusions mean, and what combined roofing policies cover.
15 Jun 2026 · 2 min read
Cyber insurance covers the financial consequences of data breaches, ransomware attacks, and cyber crime. This guide explains what cyber cover includes, what UK GDPR obligations mean for businesses, and which businesses need cyber insurance most urgently.
15 Jun 2026 · 2 min read
Renting your home on Airbnb requires specialist insurance or a short-let extension. This guide explains why standard home insurance does not cover Airbnb hosting, what dedicated host insurance covers, and what Airbnb AirCover provides.
15 Jun 2026 · 2 min read
Craft businesses selling handmade goods need public liability and product liability insurance. This guide covers what craft insurance includes, what market and online selling requires, and what product liability means for handmade goods.
16 Jun 2026 · 6 min read
Flat roof properties can be harder and more expensive to insure than pitched roof homes. This guide explains how flat roof cover works, what the roof construction disclosure requirement means, and how to find competitive cover for flat roof homes.
15 Jun 2026 · 2 min read
Hairdressers and hair stylists need treatment liability, public liability, and professional indemnity. This guide covers what salon insurance includes, what mobile hairdressers need, and what product liability covers for chemical treatments.
15 Jun 2026 · 2 min read
Life insurance written in trust can provide funds to pay an inheritance tax bill without adding to the taxable estate. This guide explains how whole of life policies in trust work, what the seven-year rule means, and how to use life cover in IHT planning.
15 Jun 2026 · 3 min read
Cancer patients and cancer survivors can find travel insurance difficult to obtain. This guide explains how to declare cancer on travel insurance, what specialist insurers cover, and what the Money and Pensions Service directory provides.
15 Jun 2026 · 2 min read
Barber shop insurance typically combines public liability, employers liability, treatment risk cover, and contents insurance. Here is what each cover does and what it costs for barbershops and mobile barbers.
16 Jun 2026 · 4 min read
Bulldogs and French Bulldogs are among the most expensive breeds to insure due to their brachycephalic health risks. This guide explains what pet insurance covers for bulldogs, what is excluded, and how to find lifetime cover for breed-specific conditions.
15 Jun 2026 · 2 min read
HR consultants and independent HR advisers need professional indemnity insurance if their employment advice causes client financial loss or legal exposure. This guide covers what HR consultant insurance includes and what CIPD membership requires.
15 Jun 2026 · 2 min read
Handymen and odd-job contractors need public liability insurance for work in client properties. This guide covers what handyman insurance includes, what activities are covered, and the difference between a handyman policy and a specialist trade policy.
15 Jun 2026 · 2 min read
Drain and plumbing insurance covers emergency call-outs for blocked drains, burst pipes, and plumbing failures. This guide explains what home emergency cover includes, what drains policies cover, and how they differ from standard home insurance.
15 Jun 2026 · 3 min readGet Kael Tripton in your Google feed
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