News and Insights


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The importance of fire safety

Fire safety is a significant concern for every responsible business owner, prompted not just by legal obligations but also by the well-being of employees and...

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Anticipated changes to paternity leave

As part of several employment law updates anticipated throughout 2024, legislation surrounding paternity leave is expected to change from 6th April.

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Is Your Business ESG savvy Enough?

Over the last few decades, the business’s role in the world has changed. Whereas before business owners were responsible for the safety and wellbeing of its...

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What are “forever chemicals” and how do they impact my insurance policy?

You may have heard the phrase “forever chemicals” or “PFAS” in the headlines recently, but what are they and what risks do they pose to us and our environmen...

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The Dawn of Thermal Imaging Cameras as a Workplace Staple

In the UK, there are around 22,000 workplace fires every year. That’s an average of 423 fires per week in the workplace alone.

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Preventing and Dealing with Frozen Pipes in Winter

Did you know that frozen or burst pipes are among the most expensive insurance claims made during the winter?

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Risk alert – Preparing Yourself, Your Home and Your Business for Winter Storms

High winds, plummeting temperatures, heavy rainfall and snow combine to create a dangerous scenario that can impact your home, your business, and yourself. E...

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Asbestos: What is the danger, and who is at risk?

Asbestos risk in any premises, particularly those built before 2000 when asbestos was still common in a whole range of building materials, must be managed co...

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The Importance of First Aid

First Aid at Work trains candidates to become qualified first aiders who can apply learned techniques on a casualty in the vital moments before the emergency...

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Consultation: What You Need To Know

Consultation should not be seen as a formal process usually connected with disputes but rather as a key part of an employer’s day-to-day management skills. E...

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The Importance of Health and Safety in the Workplace

When running a business and employing individuals, there is a fundamental responsibility that should never be overlooked – health and safety.

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Toolbox Talk: Spark Erosion Machining

Spark erosion machining — also known as electrical discharge machining (EDM) and, in its conventional form, die sinking — is commonly used in engineering to...

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Flood Planning and Preparation for Your Home

Floods can occur at any time during the year. That's why it's never been more important to invest time into creating a flood plan to protect your property an...

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How to Weatherproof Your House for Winter

As the colder months approach, it’s imperative to weatherproof your house to minimise damage and reduce costly claims. We’ve pulled together five ways to kee...

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How to Prepare Your Business for Flooding

With some parts of the UK witnessing their wettest October on record this year and several storms hitting in the UK in autumn already , it’s safe to say the...

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Staying safe in the great outdoors in winter

Whether you’re taking on a route you’ve done many times before or heading to a new trail for the first time, getting outside in winter is good for the mind,...

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Wales: Driving change for slower, safer streets

In September 2023, the Welsh Government implemented 20mph speed limits on all residential streets throughout Wales. This move is part of the Welsh Assembly’s...

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Keeping Your Employees Safe on the Roads: Driving in Poor Weather Conditions

There’s certainly more of a chill in the air, and as the weather changes to an icier feel, other factors should come into consideration such as your own well...

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The Right to a More Predictable Work Pattern – What’s Changing?

The Workers (Predictable Terms and Conditions) Act 2023 was passed in September 2023. Although no date has yet been set, the introduction of the Regulation...

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The Major Threats to Life in the Motor Trade

The annual death rate in the motor vehicle repair industry is 1.6 deaths per 100,000 workers — around four times the average rate across all industries. So,...

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Is my business in danger from RAAC?

The vast majority of people were unfamiliar with RAAC until very recently, when headlines of sudden school closures linked to the material brought it into pu...

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The best insurance for you and your vehicle this winter

If the wintry weather hasn’t quite arrived yet, then it’s certainly on the way! The question is, are you prepared, and do you have the necessary cover in pla...

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How to lead a neurodiverse team

There has been a huge increase in the awareness of neurodiversity across the globe, with a corresponding increase in understanding, acceptance and inclusion....

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How to manage bullying and harassment in the workplace

With 2023 studies showing almost a third of employees have experienced workplace bullying, we wanted to check in with our clients to provide a refresher in h...

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What is occupational health - What you need to know

If you’ve dealt with an employee who’s been on sickness absence, or one who’s experiencing a long-term disability or medical condition, you may have come acr...

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Back to School – Safe Driving

As students have now returned to their classrooms, drivers must be aware that there will be an increased presence of pedestrians and traffic on the roads.

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Fire door audits - What you need to check

Fire doors help contain fire and smoke to the area where it originated and help keep access routes, corridors, and fire exits clear for longer to aid escape....

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The Employment (Allocation of Tips) Act – how will this affect your business

To ensure that tips intended to reward staff for hard work and good service are distributed fairly and transparently, the Government supported a Private Memb...

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ADHD as a disability - What you need to know

A recent BBC Panorama programme reported on the significant increase in adults being incorrectly diagnosed with Attention Deficit Hyperactive Disorder, more...

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Incident Response Plans: What Every Business Should Know About Recovery Resources

If businesses need to invoke their Incident Response Plan (IRP) there is a possibility that this will be as a result of losing some or all of their primary i...

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Errors & Omissions - How you can be exposed

Whatever your business, you’re going to be open to a wide range of risks, also known as Errors & Omissions (E&O). In this article, we look at E&O insurance,...

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Do Electric Vehicles Have a Weight Problem?

In addition to potential electric vehicle problems of charging availability and range, there is an issue which is now receiving increasing press coverage, wh...

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Permits to work

A Permit-to-Work system is a formal recorded process used to control work which is identified as potentially hazardous. The aim of using a Permit-to-Work sys...

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Updated ACAS Guidance: Mental Health In The Workplace

Under the Equality Act (2010), employers have a legal obligation to offer support to any employee who has a disability, defined as a physical or mental impai...

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How To Identify A Foreseeable Risk

A foreseeable risk is a situation which could result in injury or damage, and which could be predicted by a reasonable person with the necessary skills and k...

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Working in a heatwave: Keeping your employees safe

There is nothing quite like a British heatwave - but ensuring you stay safe as temperatures soar takes more than just a decent sunscreen. You have a duty of...

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Why the Risk of Asbestos Exposure is Still Prevalent

Asbestosis is not the historical disease people often think it is. In fact, The Health and Safety Executive (HSE) has said asbestos remains the biggest cause...

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Flexible working – how is it changing?

In the last few years employers have helped bring about significant changes in working practices, with many businesses adopting a greater flexibility to the...

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How Health and Safety Performance Metrics Can Elevate Your Organisation

If health and safety measures in the workplace aren’t performing, then the repercussions can be significant.

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What is a risk assessment?

A risk assessment lists the hazards that might be encountered while completing a task or activity, or being within a certain environment.

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Aggregating minor acts of misconduct to justify a fair dismissal

Can an employer lump together a series of minor acts of misconduct and use that as a reason to dismiss an employee without prior warning? And if they do, is...

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Technical Talk: Risk Management for Work Away from Your Premises

Within many organisations, there will be trades that may require work away from their premises. Work away can routinely involve both low and/or high-risk act...

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The importance of a HR audit

Running a successful business requires more than just hard work and dedication; it also means staying up to date with ever-changing employment law legislatio...

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Health and safety in the workplace - why it's important

Health and Safety has an image problem – it’s often portrayed as a burden on businesses, with oppressive regulations that have little to do with common sense...

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Managing Long Term Absence: Best Practices and Responsibilities

Long-term sickness is a period of continuous absence lasting four weeks or more. Managers often need clarification on what support they are required to offer...

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A business’s failure to look ahead could prove fatal

Our sister company, Towergate Health & Protection, investigate potential risks for your business with the introduction of the new consumer duty rules.

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Consumer Duty and what it means for your business?

Our sister company, Towergate Health & Protection, investigate how the new Consumer Duty rules will impact your business.

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CCTV monitoring of employees – is it legal?

Are you considering setting up a CCTV system to monitor what your employees are doing? Have you considered the drawbacks that might ensue and are you prepare...

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BT’s ‘All IP’ project and the impact on Alarm Transmission Systems (ATS)

BT Openreach, who manage the UK landline telephone network, is now part way through their ‘All Internet Protocol (IP)’ programme whereby the traditional copp...

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How to Spot Signs of Subsidence

There are a four main types of movement that can have an impact in your home: subsidence, settlement, ground heave, and landslip. In this article, we investi...

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Property Rebuild Costs and Rising Inflation

A number of factors have coincided to mean that rebuilding costs have hit record highs and the risk of underinsurance is now greater than ever.

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Summer activities on a budget

Our sister company, Towergate Health & Protection, suggest that being on a budget doesn’t have to limit your summer fun. There are still plenty of ways you c...

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Guidance for Maintenance and Repair of Electric and Hybrid Vehicles

The use of electric and hybrid vehicles (E&HVs) is expected to increase, with greater availability and increased driving range.

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ChatGPT – what does it mean for your workplace?

A year ago, virtually nobody outside the world of AI had heard of ChatGPT. Now, it and its fellow applications seem to be everywhere and there is no doubt th...

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Eight types of errors and omissions (E&O) claims

Every business relies on third-party technology to some extent, exposing tech companies to a wide range of potential errors & omissions (E&O) or professional...

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NHS strikes – how they affect you

Our sister company, Towergate Health & Protection, advise that nurses and doctors have been intermittently striking since late 2022 in what’s been called a ‘...

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The UK's crumbling life expectancy

In the 1950s the UK had one of the highest life expectancies in the world, ranking seventh globally. Today, we rank at just 29th.

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Our sister company Stallard Kane supports HSE Dust Kills Campaign

The devastating impact of construction dust on workers' health is alarming, with numerous individuals suffering from chronic illnesses and loss of life.

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How to become B Corp certified

Our sister company, Towergate Health & Protection, advise that B Corp certification is highly coveted, and for a reason. Businesses are awarded B Corp certif...

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Does your business have one of these four vulnerabilities?

Various business protection solutions can help provide the financial means to help your business.

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Automatic Fire Alarm Response changes coming from 1 July 2023

As of 1 July 2023, firefighters in Scotland will no longer respond to automatic fire alarms in commercial premises in an effort to reduce the number of unnec...

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A message from Towergate - Risk Alert

We are aware of recent reports in the media that groups of Russian based hackers are potentially planning to attack the Swift Banking System, used globally b...

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Stopping Money Owed to You Turning into Bad Debt

When you run a business, no matter its size, there are many things you have to juggle – never more so than when it comes to cashflow.

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Crime and Fraud Insurance Advice for Businesses

In this guide, we explain the scope of a crime policy, what might be insured or partly insured under other policies, and commercial factors that may also lea...

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Abolishing The Lifetime Allowance – How Your Company Life Insurance Might Be Impacted

The government recently announced their intention to scrap the lifetime allowance (LTA) tax charge on pensions. But our sister company, Towergate Health & P...

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Lithium-Ion batteries and protecting your business

The fire risk of lithium-ion batteries continues to raise concern amongst health & safety specialists and insurers.

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Risk Management Considerations for Solar Panels/Photovoltaic (PV) Panels

In the drive towards achieving environmental sustainability and energy efficiency and we are seeing an increase in the use of Solar Panels/Photovoltaic Cells...

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How to Get and Keep Workers Over 50

The pandemic prompted many people in the over 50s age group to reassess what was important to them and many quit their jobs as a result. But the cost-of-livi...

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Five Tips For Supporting Staff Working From Home

Although the days of the pandemic are behind us, homeworking is here to stay. Here we detail five top tips for employers when it comes to supporting employee...

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Asbestos: The Secret Hitchhiker

Today, the populations most heavily exposed to asbestos are those in construction trades. However, because asbestos can cling to clothes, someone in the con...

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Ransomware on the Rise (Again)

Ransomware has been a key issue for UK business for several years now and we have seen the landscape change from high volume attacks asking for relatively sm...

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Here to Help Keep Your Business in Check

SK Risk Solutions complements Stallard Kane’s Health & Safety, HR & Employment Law and Training services, offering a comprehensive solution to help keep ever...

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EICR Blog 1: The Importance of EICR for Workplace Safety

The first of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

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EICR Blog 2: Understanding EICR: A Quick Guide

The second of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

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EICR Blog 3: EICR: The Benefits for Business Owners

The third of three blogs from Stallard Kane regarding Electrical Installation Condition Reports.

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Another Bank Holiday? The Coronation of His Majesty King Charles III

Last year, our Prime Minister proclaimed a bank holiday in honour of the coronation of His Majesty King Charles III. The bank holiday will fall on Monday 8th...

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Martyn’s Law: What is Protect Duty and How Will It Affect Your Organisation?

On 22nd May 2017, Martyn Hett was one of 22 people killed in a terrorist attack. Over 1,000 more were injured when suicide bomber Salman Abedi detonated a ho...

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Is Your Life Cover Tax Efficient?

Corporation Tax for companies with profits of £250,000 or more increased from 19% to 25% on 6 April 2023. This means that the majority of businesses in the U...

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The Top Things that Affect Motor Trade Policies

When it comes to motor trade insurance, there are some key things that could affect policies. It is important to recognise and understand these if you are in...

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Bad Debt Kills Businesses

One challenge that can really bring a business to its knees is bad debt – when a company doesn’t get paid the money owed to them by another business.

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Insurance Market Conditions in the UK – 2023

After a four-year period of dramatic rate correction across the UK and global insurance markets, average rate increases for insurers broadly returned to sing...

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What Can We Expect to See in the Cyber Market in 2023?

It is safe to say the cyber market continues to evolve at a pace, maybe not the breakneck speed of previous years, but nevertheless as we start to move into...

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Top Reasons to Use an Insurance Broker for Peace of Mind When it Comes to Insurance Coverage

Are you looking for the right level of insurance coverage but don't want to spend too much time and effort on it? An insurance broker may help you find a bet...

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Considering Muslim Employees During Ramadan

Ramadan is one of the most important religious celebrations in the UK with over 3.3 million Muslim citizens potentially observing strict rules. It is importa...

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Spring Statement 2023: What You Need to Know

What do businesses need to know about the Spring Statement that Jeremy Hunt, the Chancellor of the Exchequer delivered on 15 March 2023?

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Are Your Younger Employees at Increased Risk of a Heart Attack?

Our sister company, Towergate Health & Protection, have noticed an increase in heart attack claims from a younger demographic than before. With official figu...

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TOWERGATE ANNOUNCED AS NEW OFFICIAL PARTNER OF TENANT FARMERS ASSOCIATION

Towergate is pleased to announce the launch of a new farm insurance affiliation with The Tenant Farmers Association (TFA).

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What Claims Inflation Means For You in 2023

Costs for materials and energy continue to climb in 2023, caused by a number of situations including the continued fallout from the Covid Pandemic, Brexit an...

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Employers Must Invest in Targeted Wellbeing Support to Really Make a Difference

Employers must invest in targeted wellbeing support to keep their workforce strong in 2023, says our sister company and part of the Ardonagh family, Towergat...

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The Importance of Having a Business Continuity Plan

Businesses facing disruption is nothing new. Many are exposed to incidents ranging from minor to major all the time. This is why all business should have a r...

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Wine Company Fined £800k after HGV Driver Killed at Salford Depot

A wine and drinks supplier has been fined after a visiting HGV driver was killed after being hit by a forklift truck at its depot in Salford.

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Cyber Insurance for UK SME Businesses

Did you know that 39%* of small businesses in the UK have suffered a cyber attack, and the average cost of a breach for SMEs is around £3,000? In today’s dig...

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Do you need Directors and Officers Insurance?

As the leaders of your organisation, your company’s director(s), manager(s), supervisor(s) and board member(s) could be held personally liable and may find t...

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Underinsurance disasters waiting to happen

Businesses across the UK that are already struggling thanks to surging inflation and its knock-on effect on the cost of living, may not be able to survive th...

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Silent Insurance Reviews – what are they and do I need one?

Until you need to make a claim, do you really know how good your insurance is? Can you be certain that your existing policies provide the right protection...

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How the cost of living crisis is prompting customers to make bad choices when it comes to insurance

Soaring inflation is hitting everyone hard. All industries, businesses and individuals are affected, and the insurance industry is no exception.

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Winter Power Cuts 2023

Advice on how to protect your businesses in the event of a potential power outage.

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Bad Weather Business Continuity Tips

Prepare your business for winter with Towergate's guide to bad weather business continuity planning.

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How to Weatherproof Your House for Winter

Simple tips to weatherproof your house for winter 1. Winterize the doors and windows · 2. House repairs · 3. Burst pipes · 4. Electrical installation · 5. Ch...

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How to Prepare your Business for Flooding

As your insurance broker our business focus is keeping you in business. We have helped our clients stay afloat when extreme weather events have damaged their...

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What Landlord’s Insurance Do I Need?

Not sure what landlord’s insurance you need? Residential or commercial, mixed-use, or multiple premises we’ve got it covered.

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How Can SMEs Prepare for the Looming Recession?

Small businesses have possibly never faced more challenging trading conditions, but there are certain measures that SMEs can take that can help mitigate the...

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The Biggest Threats to UK Small Businesses Right Now

And how owners are protecting their businesses against threats with the mounting pressure of the cost of living crisis

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Grey Fleet and Employer Responsibilities

The number of companies relying solely on their own fleet of vehicles to provide mobility for their employees has been declining for several years. Conversel...

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Drink driving: Keeping safe this festive season

December is the month of celebrations for many of us as we head out to meet family, friends and work colleagues to enjoy the festivities. Before you head out...

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Checklists to Protect Your Businesses Against Winter Risks
The importance of a solid Business Continuity Plan this winter

As we approach winter, it’s important as a business, you begin to think about what might happen if more employees than usual are off sick or unable to get in...

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Investor in Customers (IIC) Gold award 2022

Towergate are incredibly proud to share the news that for the third year running, they have been awarded the Investor in Customers (IIC) Gold award for 2022.

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Road Safety Week 2022 and Winter Driving

Road Safety Week takes place between 14th and 20th November 2022. The theme of Road Safety Week 2022 is SAFE ROADS FOR ALL, bringing together communities and...

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What is Silicosis?

Silicosis is a pathological condition of lungs, which is caused by inhalation of silica. This condition develops after exposure to silica dust over time. It...

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How to Prepare your Business for the New UK Terrorism Law

New terrorism legislation is due to be introduced in the UK. A response to the suicide bombing at Manchester Arena on 22 May 2017 which killed 22 people and...

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What are Musculoskeletal Disorders (MSDs)?

They are injuries or pain in the human musculoskeletal system, including the joints, ligaments, muscles, nerves, tendons, and structures that support limbs,...

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How Far Would Your Business Go to Fight Climate Change?

US outdoor clothing retailer Patagonia made headlines when the owner Yvon Chouinard announced he was giving his company away to fight climate change.

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Fork-Lift Trucks and Power Pallet Trucks

The use of fork-lift trucks and power pallet trucks (FLT and PPT) are a significant boon to almost all operations, removing several risks and adding a level...

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Christmas Festivities and Decorations – the Risks!

Yes – I’m afraid so ... it looks like health and safety madness. But I’m going to try and look at the risks, provide some food for thought (not Christmas pud...

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Coping With The Cost-of-Living Crisis

There’s no way to sugar-coat it: there’s a cost-of-living crisis in the UK right now, and things are only going to get worse.

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Fatalities and Accidents at Work

Whilst the UK has one of the safest environments in which to work, with realistically, very low incidents of fatalities, fatal accidents still occur and are...

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Risk Alert - Cyber Liability

Since most businesses in the UK now use the internet, email or cloud technology as an integral part of their operation, they become ever more reliant on tech...

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Facing the Threat of Flash Floods

FloodFlash surveyed 500 financial decision makers either at risk of flooding, or worried about the risk of flooding and 200 insurance brokers to find out wha...

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Warranty and Indemnity (W & I) Insurance: An Overview

W&I insurance can be obtained either by the buyer or the seller in a transaction to protect either party from unknown or unforeseen liabilities resulting in...

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Limitation and the UK Building Safety Act: new claims and what insurers may have missed

The Building Safety Act 2022 (the Act) became an Act of Parliament on 28 April 2022. It brings with it the most wide-ranging changes to building safety that...

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New Draft Guidance from the ARB

Back in May 2022, The Architects Registration Board (ARB) released new draft guidance on the insurance cover architects must arrange to ensure they’re compli...

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How to Avoid Becoming Dehydrated While Driving

Listen to any weather update this week and you’ll hear it – the UK is experiencing a heatwave, with expected highs of over 30 degrees.

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How a Commercial Property Valuation Can Protect your Business

As fresh warnings are issued that up to 50% of businesses do not have adequate insurance, it’s important that commercial property owners take steps to check...

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Firms taking a risk without the protection of small business insurance

Starting your own small business is as exciting as it is nerve-wracking. Being your own boss is a great opportunity to enjoy the freedom of making key decisi...

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How can we reduce the cost of filling our vehicle?

It seems every time we go to the petrol station the cost of fuel is going up, from one day to the next, there seems to be a penny increase here and a penny i...

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What Lessons can Employers Learn from the P&O Affair?

P&O has drawn widespread condemnation for the way it has dismissed around 800 employees from its ferry services in the UK. The affair has brought attention t...

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The digital insurance transformation

The insurance industry has seen the arrival of an era of digital insurance transformation in response to changing customer needs and the Covid 19 pandemic.

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A Beginner's Guide to Commercial Combined Insurance

One policy. One premium. One renewal date. Sounds simple, right? In this guide we’re stripping Commercial Combined Insurance back to basics to be just as it...

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Three no-fuss ideas for self-care

Self-care doesn’t have to be self-indulgent, and it’s not just for women. It’s a vital element of being a functioning person in society.

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Flooding – do business owners know their risk?

Data from our partners at FloodFlash suggests that British businesses are under serious threat. Are they aware of the threat though?

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Why Directors and Officers Insurance is Crucial to your Business

More and more litigation is being brought against individuals within business senior leadership teams who make decisions on behalf of the business.

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2022 predictions – Economic outlook for 2022

Lynn Mildner, Towergate’s Director of Credit, explains how 2022 is looking mildly optimistic on growth but insolvencies will increase.

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How to Make Sure You Are Not Overinsured or Underinsured

As inflation hits, it's never been more important to check the rebuild cost of your property - the implications of not having the right level of protection i...

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2022 Insurance Market Conditions in the UK

Read our assessment of the UK and global insurance markets in 2022.

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2022 predictions – staff mental health and wellbeing

Simon Broome, Towergate’s Risk Manager, discusses the importance of your colleagues mental health and well being.

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2022 Predictions – Emerging Risks

Marcus Alcock, editor of Emerging Risks focuses on the biggest threats, that he believes, businesses will be facing in 2022.

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New Mobile Phone Laws for Drivers

Friday, March 25th, 2022, will see existing mobile phones rules strengthened with a crackdown on drivers who use their mobile phones behind the wheel.

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2022 PREDICTIONS – Health & Safety in the Workplace

Gavin Snell, CEO of WorkNest, provides insight from their ‘Mind the Gap’ report, which evidences a divide between employer and employees across a host of emp...

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2022 Predictions - The Great Resignation

Mark Brannon, Commercial Director at Towergate asks, is the now the time for ‘The Great Re-set’?

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Your Business Flood Risk Factsheet

Your business flood risk factsheet. Time and tide wait for no one, so there’s no time like the present to be sure that you’ve taken the necessary precautions...

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2022 Predictions – Property Rebuilding Costs

Underinsurance remains a hot topic across the UK - Will Molland of RebuildCostASSESMENT.com predicts how the risk of underinsurance will continue to grow in...

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VR headsets cause surge in home insurance claims | Towergate Insurance Brokers

Using VR headsets at home may be great entertainment, but new statistics from Aviva have highlighted an increase in home insurance claims caused by VR-relate...

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Storms Eunice and Franklin – the Aftermath

Extreme weather such as a storm can cause widespread damage to homes and businesses, leaving many of our clients needing our help simultaneously. If you’ve b...

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Insurance Implications of Admissions to Care Homes Due to Active COVID-19 Outbreak in Northern Ireland

We have had clients in Northern Ireland getting in touch to ask what their insurer’s stance is regarding the potential for ‘forced’ admissions to care homes...

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2022 Predictions – Cyber Risks

Lindsey Nelson of CFC Underwriting, predicts how the cyber threat in 2022 will grow and how insurers need to prevent and respond as quickly.

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Is Your Company Guilty of These Common Reasons for Burnout?

It’s a common misconception that a holiday will solve employee burnout. But when we probe a little harder it’s easy to see why this logic doesn’t make sense.

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Medical Malpractice, Health and Social Care News Roundup Winter 2021-2022

The information on this page is provided by Capsticks for Towergate. Capsticks are specialists in defendant medical malpractice law and the below is a Roundu...

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Protecting Your Commercial Property in Storms

Heavy rain and gale force winds reaching more than 90mph, brought widespread flooding and storm damage to the UK on Sunday, courtesy of Storm Ciara.

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The growing cyber threats facing businesses

A Cyber Security Breaches Survey by the Department for Digital, Culture, Media and Sport (DCMS) found that 39% of all UK businesses reported a cyber breach...

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Conditions Precedent and Important Warranties newsletter

2021 has been another challenging year for businesses, with yet more disruption to “business as usual”. While life was slowly starting to get back to some fo...

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Cyber Security Threat – UK Organisations Urged to Act

The National Cyber Security Centre (NCSC) are urging UK organisations to bolster their cyber security resilience in response to malicious cyber incidents.

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Updated guidance on how to perform CPR

The British Heart Foundation have released new guidance on performing CPR.

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New Highway Code rules to protect all road users

The Highway Code has been updated to include new rules, in a bid to improve road safety for all users.

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Insuring electric vehicles

With the sale of non-electric cars ending in 2030, and hybrid sales ending in 2035 in the UK, the electric car question has been on many people’s lips – the...

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Underinsurance 'made worse' by rising reconstruction costs

We have written previously about the massive shortfall in insurance cover for UK commercial properties. RebuildCostASSESSMENT.com recently estimated that bui...

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Conditions Precedent and Important Warranties

2021 has been another challenging year, with yet more disruption to “business as usual”. As many offices close their doors to employees once again, it is a g...

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Tackling the HGV driver shortage

According to the British Retail Consortium, 2021, the HGV driver shortage is reported to have increased over the last five years from 45,000 in 2016 to 76,...

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NI tax hike Too little, too late, for the NHS?

The announcement of a new 1.25% tax hike to generate extra funding for the NHS is not the saving grace many wish it was.

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Falling Leaves Blocking Drains? Don’t Let It Lead To Flooding

As the nights draw in and jumpers come out for the autumn season, crispy golden leaves can look pretty, but can become a nuisance when they start to block yo...

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Cyber Attack On High-Society Jeweller – Large Ransom Demands Expected

The Mail on Sunday has reported a cyber attack on exclusive jewellery firm Graff. Cyber criminals are alleged to have leaked up to 69,000 confidential docume...

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Firework Displays - Safety and Insurance

As the organiser of a fireworks display your liability insurance is for the safety of spectators and staff present during the evening. We have brought togeth...

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Price Rise Warning Amid Shortage Of Building Materials

Contractors have been left reeling by another huge materials price hike as a major concrete products manufacturer announced 15% increases.

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Ensure Your Insurance Covers Working From Home

Does your home insurance cover your new 'shoffice' and personal storage unit? With the increasing popularity of conversions to home offices, gyms, drinks bar...

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Is Environment, Social and Governance (ESG) the Latest Emerging Risk?

The topic of climate change is not far away from most conversations, particularly given high-profile events and protests that have taken place. While the met...

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The Ultimate On-Site Playlist

Through a nationwide survey and an analysis of Spotify, Towergate have explored the relationship workers have with music while working.

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Tackling the Fuel, Gas and Driver Crises

September 2021 was a landmark month for all the wrong reasons, with businesses and consumers having to face up to further and significant challenges. It hard...

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Supply Chain Pressures Facing the UK Construction Industry

The UK construction industry is facing mounting pressure from the worst supply chain crisis in decades. Being driven by the fallout of coronavirus and Brexit...

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Brexit, Covid-19, and its Impact on Underinsurance

While Brexit and covid-19 have led to supply chain issues and adapted business operations, the insurance implications of these are often not taken into accou...

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Insurance Update - UK Insurance Market Conditions H1 2021

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

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Preparing for Summer Storms

Preparation checklists and risk mitigation strategies for summer flooding, especially those that affect commercial properties.

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High ‘Flood Risk Areas’ in the UK

In this article, we will look at some of the worst affected flooding areas, those most at risk and some of the worst recent floods (including flash flooding)...

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Cyber and Ransomware attacks are on the increase

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

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Mental Wellbeing: A Challenge for Business?

A startling fact is that you are now more likely to go to a colleague’s funeral because they have killed themselves than because they died in a workplace acc...

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Rising Credit Risks Warning

Ratings agency Moody’s has given a stark warning that the UK should anticipate a rise in credit risks given the prospect of an unwinding of the level of gove...

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Whiplash Reforms - An Overview

Legal and rules changes associated with Whiplash Reforms came into effect on 31 May 2021. While it will take a bit of time for the insurance industry to full...

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Modern Methods of Construction add to Arson and Hot Works Fire Risks

Arson and hot works are among the most common causes of fire in the UK, whilst modern methods of construction are also a leading factor in many fires. With...

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Protect yourself from phishing emails and when sharing data online

Learn more about email phishing and the importance of securing your online data. These top tips will protect you from potential hacks.

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End of financial year? Prime time for cyber scams

The end of the financial year is a busy time for businesses as they race to achieve their numbers, with many finance teams preparing for the tax season. Thi...

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Cyber insurance rates increase predicted for 2021

Cyber insurance capacity is expected to reduce with some insurers exiting the cybermarket, resulting in higher rates, as insurers encounter both a higher fre...

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Focus on Underinsurance and Adequate Business Interruption Insurance

The Insurance Act 2015 was created to help you get fairer treatment from your insurer in the event of a loss or claim. However, the Act also stipulates that...

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Immediate Advice for Businesses as Storm Christoph Hits

As the flood season heralds Storm Christoph, the Met Office has issued amber and yellow warnings as two months of rain is set to fall in just three days. Som...

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Checklists to Protect Your Businesses Against Winter Risks
Checklists to Protect Your Businesses Against Winter Risks

As winter approaches, it is important that businesses are protected against adverse weather conditions. Read our checklists to help you.

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Floods and Insurance: The UK Landscape

Here we explore the UK’s flood landscape; why the risk is increasing; and examine the various measures and flood insurance available to help protect you and...

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The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic
The Evolving Nature of Business Cyber Risks During the Covid-19 Pandemic

Read our article on the evolving nature of cyber risks and the changing landscape since the start of the pandemic; and what it means for you, including how t...

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Increased Terrorism Threat in the UK

As we head closer to the holiday season, the threat of terrorism in the UK grows. Following a spate of attacks in Europe, UK alert levels have been upgraded...

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Reignited focus on Brexit highlights underinsurance issues

Amidst the potential turmoil of another spike in infections from the coronavirus, the UK is facing the double whammy of its messy departure from the EU. T...

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Hardening insurance market

For more than a decade the insurance industry has operated in soft market conditions. Now, however, it is starting to experience a hardening market. That mea...

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Help us help another business (and give something in return)

Towergate Insurance Brokers’ staff have been working tirelessly from 2,000 home offices, right across the UK, to support you during lockdown.

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Right to Light Explained

A right of light is an easement granted to a freeholder (or leaseholder or tenant, by assignment) which grants them the legal right to enjoy a reasonable amo...

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Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

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Risk Alert - Environmental exposure as oil storage increases

Coronavirus is impacting our lives in many ways and changing our routines. It has also caused the price of oil to fall meaning that both people and organisat...

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Cybercriminals likely poised to attack as Magento 1 reaches “end of life”

Cybercriminals are likely poised to attack as Magento 1 reaches “end of life” leaving retailers highly vulnerable. After publishing a final security patch on...

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How to Best Arrange your Business Insurance

Arrange your business insurance can be a time consuming and stressful process in normal circumstances, but with the UK insurance market hardening at a rate n...

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Smartphones Becoming an Increasing Cybersecurity Risk for Organisations

Think of a ransomware attack and you may picture a hacker targeting employees who use laptops or desktop devices. Yet hackers are both opportunistic and reso...

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Intellectual Property (IP); A Case Study

Manchester United are suing the makers of the popular Football Manager series for allegedly infringing their trademark by using their name “extensively throu...

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Risk Alert – Current Climate Exposes Increased Risk of Terrorism and Political Violence

Insuring against the risk of terrorism and political violence after the Coronavirus lockdown may not be seen as a priority for businesses at this time, but t...

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Cyber Risks on the Rise as Businesses Reopen

It has been highly publicised that Cybercriminals are exploiting the uncertainty that COVID-19 has brought, to their advantage. We first identified this back...

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Insurance Market Conditions and How Towergate Can Help You – Q1 2020

The insurance market in the UK is currently hardening at a rate not seen since at least 2001/02. This means that we are in the phase of the market cycle wher...

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Risk Alert - Interruption to Businesses as a Result of Protests

The past few weeks have seen widespread Black Lives Matter protests following the death of George Floyd in Minneapolis at the hands of police.

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Insurance Market Conditions

For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02.

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Investor in Customers (IIC) Gold award

A review of the conditions between 2017 and 2019 impacting the global (Re)insurance market and UK insurance market, plus some specific sectors of note.

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Business Continuity Planning

Businesses are exposed to disasters all the time, including IT system failures, cyber incidents, power outages, major losses, i.e. fire or flood at site, epi...

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2020 - A Preview of Emerging Risks

With a new year comes new challenges. However, by looking at recent developments and current activities, there are clear trajectories on what might take grea...

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Risk Alert – Why is it so important to have a Business Continuity Plan

The escalating situation around Covid-19 is demonstrating why it’s important for businesses to have in place a robust Business Continuity Plan (BCP) to ensur...

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Emerging Risks for 2020 - February 2020

As a business, your top priority will understandably be keeping a competitive advantage and ensuring that you remain an attractive proposition for your clien...

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Information Update - Why is it so Important to have regular updates to your watches insurance valuations

Watches are highly collectable, take up little space and incur no Capital Gains Tax. As such they are becoming increasingly popular as an investment option....

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Risk Alert - Whirlpool appliances recall highlights fire risk in white goods

More than half a million households using Creda, Hotpoint and Indesit washing machines have been urged to unplug them immediately due to the risk of fire.

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Health & Safety Bulletin - April 2019: HSE Intervention Enforcement Notices on the Increase

When the HSE launched its controversial Fee for Intervention scheme in 2012, there were concerns that this was little more than a money raising exercise by...

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Newsletter - Issue 12, Winter 2019: Bolton Student Fire Underlines Need for Effective Risk Management

An investigation has been launched into the fire at a student accommodation block in Bolton on 15 November, which spread rapidly to the upper floors of the b...

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Risk Alert - Flood Cover for Business: Looking beyond the headlines

It has been a torrid week in flood affected regions of England after the rivers Don, Severn and Avon burst their banks, with thousands of residents and busin...

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Insurance Market Conditions Q3 2020

The insurance market in the UK has been hardening at a rate not seen since 2001/02 and the Covid-19 pandemic has only accelerated this trend. This means that...

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Newsletter - Issue 11, Autumn 2019

A recurring and entirely legitimate question from UK businesses is whether cyber insurance will pay out in the event of a claim. The recent reassuring answe...

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Risk Alert - 'No-Deal' Brexit - Green Card Update

With continued uncertainty over Brexit, but with the Government’s avowed intention to leave the EU by 31 October, freedom from Green Cards may come to a swi...

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Newsletter - Issue 10, Summer 2019

So called "ransomware" attacks against businesses have surged in 2019*, underlining the need for continuing vigilance against the growing threat of cyber attack

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Insurance Update - New Ogden rate widely criticised

The government's decision to make only moderate changes to the system which sees courts determine how much insurers should pay out to claimants in cases of l...

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Risk Alert - Driving in Europe is Changing, Deal or No-deal

With Brexit agreement hanging in the balance, and much to still surface on the precise nature of our departure arrangements, there are things that need to be...

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Health & Safety Bulletin - May 2019: Recent spate of fires caused by electrical faults suggests businesses need to check electrical systems

Recent fires at premises as diverse as Ocado's distribution centre in Andover, Chester Zoo and most recently Notre Dame Cathedral, have been found to be caus...

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Insurance Update - The Homes (Fitness for Human Habitation) Act 2018

The Homes (Fitness for Human Habitation) Act 2018 will give tenants new rights, including the ability to sue landlords who fail to adequately maintain their...

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Newsletter - Issue 9, Spring 2019

Insurance industry works to minimise Brexit disruption

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Towergate Insurance Brokers Corporate Brochure

Towergate began its journey in 1997. Since then we have acquired many local insurance brokers, growing rapidly to become one of the UK’s largest insurance...

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Health & Safety Bulletin - April 2019: Notre Dame Blaze Highlights Risk of 'Hot Works'

Although investigators now say that the most likely cause of the recent devastating fire at Notre Dame was an electrical-short circuit, initial reports sugge...

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Limited Companies: Have you considered Business loan protection... For when your personal liability is not limited?

One of the benefits of running a business as a Limited Company is the reassurance of ‘limited liability’. This means no personal liability for any financial...

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Risk Alert - Property Storm Advice from Towergate Insurance Brokers, as Storm Gareth Hits

A deep area of low-pressure, which will advance across the north of the UK late on Tuesday into Wednesday morning, has been named Storm Gareth. Gareth will b...

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Risk Alert - 'No-Deal' BREXIT and the Green Card

The UK is currently part of the European ‘free circulation zone’ meaning UK motorists can legally drive their vehicles in any European Economic Area (EEA) c...

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Risk Alert - Directors' & Officers' (D&O) Lawsuit results from Social Engineering Losses

In 2016, the CEO of FACC, a Chinese owned, Austrian-based aerospace parts manufacturer, was duped in a social engineering scheme that ultimately cost the com...

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A Guide to Arranging Commercial Insurance

Shopping around for commercial insurance can be a time consuming and stressful process.

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Risk Alert - How to reduce Your Exposure to Escape of Water

It’s that time of year again, with snow and ice on the way. And with cold weather comes the risk of burst pipes and escape of water. During winter, frozen pi...

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Newsletter - Issue 8, Winter 2019

Business Interruption Confusion continues and Underinsurance remains a key problem, suggests the CII.

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Risk Alert - Fleet Operator Fire Accumulation Risk

Losing one vehicle due to fire can be a costly and disruptive event. Losing a fleet of vehicles due to fire spreading to several vehicles parked close togeth...

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Risk Bulletin - UK Company Directors 'Legally Exposed' by poor BREXIT plans

Directors of many of Britain’s companies may face large liability risks if unprepared for Brexit. According to insurance consultancy Mactavish, this will par...

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Risk Alert - Return of the Beast from the East

Forecasters have warned of a repeat of last year’s Beast from the East until March. This time last year extreme weather stranded drivers on motorways, ground...

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Risk Alert - Brexit stockpilers face 'huge risk of underinsurance'

Businesses that stockpile goods in preparation for potential Brexit related disruptions are leaving themselves at risk of being underinsured.

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Risk Alert - SMEs’ biggest concern after BREXIT

Smaller companies are ‘losing talent’ to larger competitors because the benefits they offer are less attractive.

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Risk Alert - Christmas 2018

Avoiding mistletoe madness

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Newsletter - Issue 7, Autumn 2018

BREXIT: Uncertainty raises questions over cover

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Risk Alert - Management Liabilities

Insured or not? Directors face increasing defence costs and bigger fines

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Safety Guidelines for Fireworks Displays

Bonfires and fireworks events can be popular fundraising opportunities but have the potential to cause damage and serious injury. If your school, charity or...

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Insurance Update - Claims Defensibility Review Service

As a business owner you may have already experienced the time-consuming process and stress that can be associated to dealing with a claim.

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Risk Alert - Terrorism Update

The evolution of terrorism and the ideological threat.

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Risk Alert - Subsidence

After one of the hottest summers on record, UK insurers are now bracing themselves for a surge in subsidence claims.

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Risk Alert - Fleet Safedrive

Control your driver risks, protect more than your bottom line

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Risk Alert - Crime Insurance

Economic crime continues to be a major concern for organisations of all sizes, across all regions and in virtually every sector. One in three organisations r...

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Risk Alert - Summer Risks 2018

With no end in site for the current UK heatwave, for those in the leisure and tourism sectors 2018 could well turn out out to be one of the finest summers o...

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Newsletter - Issue 6, Summer 2018

World Cup £1.5BN insurance shines spotlight on cancellation cover.

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Risk Alert - CO2 shortage

Carbon dioxide shortage exposes supply chain risks

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Insurance Update - Arrange Your Business Insurance

A guide on how best to arrange your business insurance.

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Information Update - Cyber Crime

Cyber & Data - Digital technologies are an essential part of business today. All businesses rely on information technology (IT) infrastructure to some degree...

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Information Update - Health & Protection Group Risk Terrorism

Following the recent terror attacks in Manchester and London, we’ve had some questions about insurance cover. Here’s how Group Income Protection, Group Criti...

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Risk Alert - GDPR Directors Liability

Already under attack from several directions, including ever more stringent regulatory compliance and the threat of shareholder activism, the last thing that...

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Information Update - Towergate Assist

When disaster strikes, a quick effective response can be vital to keep you in business. Large losses can be complex and need assistance from experts.

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Insurance Update - Civil Liability Bill

Liability premiums set to reduce as Civil Liability Bill unveiled.

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Risk Bulletin - Health & Safety Competent Person

The technical bit. Regulation 7 of The Management of Health and Safety at Work Regulations 1999 states that “Every employer shall, subject to paragraphs (6)...

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Risk Alert - Winter Risks

Risk Management can be challenging at the best of times. So we thought you might appreciate some useful tips..

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Information Update - Private Client 3 Reasons Why

3 reasons why you should talk to Towergate about your Private Client needs:

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Risk Alert - Carillion

You will now be aware of the recent announcement about the liquidation of Carillion. With such a massive and complex failure, at this stage some of what is b...

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Information Update - Guide to Business Protection

The Rough Guide to Business Protection

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Newsletter - Issue 4, Winter 2017

The sudden collapse of UK construction conglomerate Carillion means that crucial steps will need to be taken by affected suppliers to ensure the best possibl...

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Information Update - Personal Accident and Business Travel Insurance

Personal Accident and Business Travel delivers vital business interruption protection and helps customers meet their legal obligations. Additional services o...

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Insurance Update - Ogden Reforms

UK insurance brokers have called on the Government to act quickly to implement changes to the system which sees courts determine how much insurers should pay...

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Risk Alert - Storms

ABI urges business to plan now for prospect of future storm damage

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Information Update - Environmental Impairment Liability

Towergate Insurance Brokers is strongly committed to protecting clients from environmental risks. There is no substitute for experience and Towergate Insuran...

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Newsletter - Issue 3, Autumn 2017

Construction professionals continue to be left in a state of some confusion, in the aftermath of the appalling fire at Grenfell Tower.

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Information Update - Health & Safety

Our EXCLUSIVE Health & Safety portal that will help keep your business in great shape.

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Information Update - Underinsurance

Valuation experts Barrett Corp & Harrington say “On average 77% of the properties they survey are underinsured by 45%”

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Information Update - Cyber Crime Video

Cyber Crime can affect any business. To view the informative video regarding the risk of cyber crime to your business select the link within the main story.

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Information Update - Management Liability

There are three key areas to a management liability policy, Directors and Officers Liability, Employment Practices Liability and Corporate Legal Liability....

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Insurance Update - Brexit Underinsurance

It’s been a year of tumultuous news, from the unexpected death of David Bowie, the rise and fall – and rise again – of Boris Johnson, and most recently the e...

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Insurance Update - Insurance Premium Tax 12%

In his Autumn Statement, The Chancellor, Philip Hammond, unveiled plans to raise insurance premium tax (IPT) to 12% from 1st June 2017, up from the 10% previ...

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Insurance Update - Enterprise Act

On 4th May 2016, the Enterprise Act 2016 was passed. This new legislation provides policyholders with a potential right to claim for damages due to late paym...

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Information Update - Credit Insurance Cover

If you answer yes to any of the questions asked in the attached document, then speak to us about Credit insurance cover

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Underinsurance – Have you considered the risk?

It should come as no surprise that the event that will have the most pressing consequences for Towergate clients (and underinsurance) will be the decision to...

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Risk Alert - Exposure to Terrorism

The UK Government advises that the threat level from terrorism in mainland Britain for the UK is currently ‘Severe’, which is the next level up from ‘Moderat...

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Risk Alert - Underinsurance

The Insurance Act 2015 represents a seismic shift in insurance law since 1906 and came into force on 12 August 2016. The requirements of the Act are exactin...

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Flood Planning and Preparation for Your Home

In recent years, we have experienced dramatic extremes weather wise in the UK. Storms are becoming more regular and more destructive, followed by soaring tem...

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How to Prepare Your Business for Cold Temperatures

When the cold temperatures return, there are a number of new risks which present themselves. Protect your commercial property by developing your Business Con...

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