Special schools and SEND settings carry a combination of risks that almost no other organisation faces: vulnerable pupils, high staff-to-pupil ratios, specialist equipment, personal care, transport, and — in residential settings — round-the-clock responsibility. A standard education or office package rarely fits, and the consequences of a gap are more serious here than in almost […]
Ask most manufacturers what their factory insurance covers and the answer comes back quickly: the building. It is the obvious thing — the largest single asset on the balance sheet and the one the bank or landlord insists is insured. But for a working factory the building is rarely where the real exposure sits. The […]
Summer looks like the safe season. Long evenings, dry roads and no ice or fog to contend with — surely the quiet quarter for any fleet manager? The claims data says otherwise. Across the UK, road casualties and motor claims consistently rise through the warmer months, and for commercial fleets the period from May to […]
Construction is one of the hardest sectors to insure well, and one of the easiest to get wrong. A standard off-the-shelf policy rarely fits a business that moves between sites, takes on work under contracts written by someone else, and carries liability for subcontractors, plant and half-finished buildings. This guide explains construction insurance in the […]
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