Preparing for Possible Flooding
05

Preparing for Possible Flooding

The frequency and severity of flooding in the UK has increased significantly over the past decade, with the potential to cause widespread damage and distress. With summer coming to an end, and autumn on its way, now is a vital time to prepare your property for any potential ...

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New landlord energy rules
05

New landlord energy rules

From 1st April 2018 it will become unlawful to let properties in England and Wales that fall below a new ‘Minimum Energy Efficiency Standard’ (MEES). The Energy Act 2011 featured various provisions aimed at reducing the UK’s carbon footprint. This ...

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How to prevent fly-tipping in commercial buildings
05

How to prevent fly-tipping in commercial buildings

Vacant and partially vacant buildings have now become a target for fly-tipping, which can lead to property owners facing disruption and large clean-up costs. We look at how you can manage these risks at your vacant properties. There are two slightly different operations ...

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Dangers of an inadequate lift inspection regime
05

Dangers of an inadequate lift inspection regime

High-risk items such as lifts need regular inspections and an adequate maintenance programme. Legislation states that lifts need to be adequately maintained and inspected every six months, as well as keeping up a good maintenance regime. Why Are These Checks Important? ...

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How are insurance premiums calculated?
29

How are insurance premiums calculated?

There are many factors that can affect how insurance premiums are calculated. The primary one being the risk profile in question, however the rest are determined by a range of other influences. To help you understand how insurance premiums are calculated, we take a ...

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Insurance Premium Tax – What’s new?
29

Insurance Premium Tax – What’s new?

The Government announced in the Autumn Statement of 2016 that the standard rate of Insurance Premium Tax (IPT) would increase from 10% to 12%. The rate that took effect on 1st June 2017 is the third increase of IPT in the last two years. What is it? IPT was introduced ...

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How can you protect your business from ransomware?
29

How can you protect your business from ransomware?

Ransomware – a form of malware used by cybercriminals to hold your data hostage until a fee is paid. This is not a new concept, however, the recent size of the attack by WannaCry has been the largest seen, according to Europol, infecting more than 200,000 computers ...

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How can escape of water risks be mitigated?
19

How can escape of water risks be mitigated?

  Escape of water is one of the most significant risks that many property owners will face – with insurers paying out £2.5m every day for these types of claims. According to the ABI, 21% of all property insurance claims were caused by water in 2014, ABI ...

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How to Prevent Metal theft
19

How to Prevent Metal theft

  Although there is an ongoing effort to tackle metal theft, it still remains a major risk for businesses across the UK. According to Zurich real estate claims data, from 2004 to 2015, the total cost of medium and large losses (valued at over £25,000) related ...

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Welcome to Stuart and Nicola
19

Welcome to Stuart and Nicola

  In January we had two new recruits join our Business Development Team. After giving them a few months to settle in we fired a few questions at them to get to know them a little bit more. Name: Stuart Reynolds Role: Account Executive Why insurance, and whe ...

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Ogden Explained
19

Ogden Explained

  The ‘Ogden’ Tables are a set of actuarial tables used in personal injury and fatal accident cases, named after Sir Michael Ogden QC who chaired the working party at their creation. They are designed to make it easier to calculate future losses in these ...

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Will your business interruption insurance cover a cyber event?
09

Will your business interruption insurance cover a cyber event?

The recent news reports on Tesco, Yahoo! and TalkTalk show us that Cyber incidents are on the increase. However, Cyber attacks are not just affecting larger businesses.   '9 out of 10 large businesses and suffered a significant cyber-attack in the last 5 years& ...

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BIBA Announce new Commercial Flood Scheme
09

BIBA Announce new Commercial Flood Scheme

The British Insurance Broking Association (BIBA) has recently announced the launch of a new flood scheme for businesses that were ineligible for insurance cover under the Flood Re scheme. This will mean that several businesses and to-let properties that were previously unab ...

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11 Tips on Managing Electrical Faults
09

11 Tips on Managing Electrical Faults

In London alone, one fire per day involves household white goods, with 90% of these cases coming from faulty appliances or electrical supplies. With the increase of announcements by leading brands who are reporting faults within their products, it’s not a surprise ...

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Getting to know Elaine Ryan
03

Getting to know Elaine Ryan

Elaine has been at with Pi-Property for 10 years, during this time she has gained her ICA Advanced certificate in compliance. As a much loved Irish Lass, we sat down with Elaine to get to know her a bit more! What is your role and what does this include? I am a Senior ...

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Breaking News - Gable Announced Bankrupt
07

Breaking News - Gable Announced Bankrupt

Who are Gable? Gable is a European Insurer that underwrites a range of specialist policies across Europe, including motor insurance, general liability insurance and contract works. It was announced on the 23rd November 2016 that Gable had filed for bankruptcy and that th ...

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Are you ready for the freeze?
01

Are you ready for the freeze?

As winter approaches and the cold sets in, we look at the best way to prepare for when the temperatures drop. Whether it is looking after your pipes or pets, it’s important that you stay safe, as well as mitigating any potential damage to your property.   P ...

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Supporting Sense - The Big Abseil
01

Supporting Sense - The Big Abseil

On 29th September 2016, five of our very brave co-workers decided to abseil down a 210ft (64m), 16 story office block, at 54 Hagley Road, Birmingham all in the name of charity. The fundraiser, held by Pennycuick Collins, has so far raised over £2650.00 for the ...

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Insurance Broker of the year 2016!
19

Insurance Broker of the year 2016!

Friday 16th September 2016 marked the day of the 23rd annual UK Broker Awards ceremony. This prestigious event is a fantastic opportunity to reflect and celebrate all of the outstanding work that brokers, from the smallest to the largest, from the specialist to the generali ...

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Cyber - Directors & Officers
15

Cyber - Directors & Officers

With data breaches becoming more common and more high profiled, there is a need for increased diligence from directors concerning cyber security, to prevent claims arising. This means that exposures and cyber risk management must become their responsibility.   Al ...

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Getting to know Victoria Dawes
15

Getting to know Victoria Dawes

Here at Morrison Insurance Solutions our biggest department is our Pi-Broking team. They are the engine of the company, constantly on the phones to our clients and insurers trying to keep everybody happy. The lady at the helm of this team is Vicki Dawes, our Pi Broking Mana ...

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Supporting the Stratford Cancer and Eye Hospital
15

Supporting the Stratford Cancer and Eye Hospital

At Morrison Insurance Solutions we are passionate about supporting our local community, particularly when it comes to those who need it most. This year we have made efforts to raise money for the Stratford-Upon-Avon Cancer and Eye Hospital Appeal.   The Stratford ...

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What is underinsurance?
15

What is underinsurance?

When purchasing insurance the premium is calculated on the buyer’s individual circumstances and the amount of cover they decide to take out to protect their business.    Underinsurance happens when the correct amount of insurance hasn’t been take ...

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Cyber Security - Protect your Data!
31

Cyber Security - Protect your Data!

Data is increasingly key to businesses, shaping everything from product development and marketing strategies to how a company builds relationships with its customer. But while data can make a business smarter, it can leave it exposed to cyber risk.   Loss of data ...

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Flood Re Update
31

Flood Re Update

Following the aftermath of the 2007 flooding, the Government called for the insurance industry to step up with regard to future flooding cover. Since these floods, the UK has witnessed many more major incidents, most recently over December 2015 and into 2016, these have bee ...

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Cyber Directors' & Officers' claims may be on the rise
17

Cyber Directors' & Officers' claims may be on the rise

UK companies need to recognise the risk of cyber-related directors’ and officers’ (D&O) liability claims, a leading British lawyer has warned. Although such claims have yet to materialise in the UK, directors across the Atlantic are already facing legal a ...

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Insurance Act 2015 Reforms
16

Insurance Act 2015 Reforms

Since 2006, the Law Commission of England and Wales and the Scottish Law Commission have been engaged in a joint project to reform commercial insurance contract law. Issues had been raised with the current law as it enables insurers to take severe action (such as cance ...

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New Safety Regulations Announced for Private Landlords
16

New Safety Regulations Announced for Private Landlords

The Government has announced that from October 2015 landlords will be required to install working smoke and carbon monoxide alarms in their properties.    Housing Minister Brandon Lewis said:   “In 1988 just 8% of homes had a smoke alarm ins ...

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The flood debate goes on
15

The flood debate goes on

What is Flood Re?   Flood Re is the not-for-profit fund being established jointly by the Government and the insurance industry to provide affordable cover to those living in areas of high flood risk.   It is hoped that the scheme will be up and running ...

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Avoid being surprised by bank interest clauses in real estate lending
18

Avoid being surprised by bank interest clauses in real estate lending

Real estate lending has become trickier to secure since the financial crisis. In a move to de-risk their lending, banks are imposing even stricter conditions on their customers through the use of interest clauses.   The specifics of these clauses are variable, bu ...

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How to Prevent Slips, Trips and Falls – 6 Point Plan
18

How to Prevent Slips, Trips and Falls – 6 Point Plan

Slips, trips and falls can occur anywhere, including on level walking surfaces, ramps and stairways. They are frequently the result of any combination of factors, such as floor surface, dressing material used, improper design, lack of repair, poor housekeeping and exposure ...

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Landlords required to check right of prospective tenants
18

Landlords required to check right of prospective tenants

Under the Immigration Act 2014, landlords, including those who take in lodgers or sub-let property, will be required to check the right of prospective tenants to be in the UK before letting a property to them. These new rules will be piloted from 1 December 2014, but only i ...

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The Illegal Cultivation of Drugs
18

The Illegal Cultivation of Drugs

Not all insurance policies provide cover for the damage that these residents leave behind and the damage can be extensive, including:    Extensive water damage & condensation from irrigation systems and strong lighting  Damage from the use of ...

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Theft of Vehicles That Are Unlocked or Have Keys Left Inside
18

Theft of Vehicles That Are Unlocked or Have Keys Left Inside

What’s the problem?   The problem is that most motor insurance policies now exclude cover for theft if the vehicle is left unlocked and unattended or if the keys are left in or on the vehicle. This scenario would apply to both privately owned vehicles but a ...

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We can help you with the issues relating to mandatory commission disclosure
18

We can help you with the issues relating to mandatory commission disclosure

Property managing agents could be forced to disclose how much commission they and brokers make from arranging buildings insurance after the Competition and Markets Authority (CMA) found a lack of transparency was damaging leaseholders’ interests.   Typicall ...

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Chartered Broker of the Year 2014
25

Chartered Broker of the Year 2014

Gaining Chartered insurance broker status is an exclusive and valuable merit in its own right and demonstrates a commitment to delivering the highest professional level of knowledge, advice and ethical practice

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Energy Act 2011 - The Impact on Property Lettings
24

Energy Act 2011 - The Impact on Property Lettings

The Energy Act 2011, which is set to come into force in April 2018 across England and Wales, is part of the UK government’s drive to reach its carbon reduction target of 80% by 2050. It will prevent commercial landlords from letting out properties that fall below a pr ...

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Is Legionnaires’ the new Asbestos?
24

Is Legionnaires’ the new Asbestos?

An update to health and safety legislation means insurers need to pay renewed attention to the rarely considered threat of Legionnaires’ disease. But while some are already labelling the condition the ‘new asbestos’ in terms of claims, others insist there& ...

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The Implications of Changing the UK’s Riot Act
24

The Implications of Changing the UK’s Riot Act

Three years ago the riots that affected areas across England left police forces with a large bill. Today there is still debate about how the law on compensation for riot damage should be changed. It is common ground that the Riot (Damages) Act 1886 is difficult to understan ...

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Unoccupied Commercial Property Risks
24

Unoccupied Commercial Property Risks

When a commercial property becomes vacant the risk of fire, theft, damage and liability issues increases. Below we have listed some simple yet necessary ways to protect unoccupied commercial premises...   Risk Assessment   With all commercial prop ...

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Insurance income under threat
18

Insurance income under threat

The CMA   Insurance commission payments are an important revenue line for property managers so recent announcements by the Competitions and Markets Authority (CMA) need serious consideration.   The CMA review   The regulatory review covered ...

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A sobering thought for pubs with beer gardens
19

A sobering thought for pubs with beer gardens

After such a wretched winter there will be no shortage of people hoping for a warm, dry summer and looking forward to a drink in a beer garden. This is great news for landlords. However, there are public liability exposures to think about before you start serving up. &nb ...

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Insurers going extra mile for their customers over real estate lending
19

Insurers going extra mile for their customers over real estate lending

Insurers have witnessed a sharp increase in the number of requests for bank interest clauses as banks continue to de-risk their real estate lending.   In the wake of the financial crisis, banks are looking to pass on more risk to the insurance sector through incr ...

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The importance of tree maintenance
19

The importance of tree maintenance

Local Authorities that don’t diligently implement a reasonable tree maintenance programme shouldn’t expect any sympathy from the courts. The London Borough of Bexley was left counting the cost when tree works that it had ordered were not implemented.   ...

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Business Continuity Planning...
25

Business Continuity Planning...

For those who are unprotected, the competitive advantage you work so hard to perfect can be undone very quickly, especially if the unexpected happens. It is a wise decision to have business continuity alternatives that ensure your business is well protected against the exte ...

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Flood exclusions threaten regional recovery...
25

Flood exclusions threaten regional recovery...

Following the wettest winter in the UK since records began in 1910, the Royal Institution of Chartered Surveyors (RICS) have said that industrial businesses and shops in risk areas may be forced to stop trading.    Under the Flood Re scheme commercial proper ...

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Our Success Story 2013/14…
25

Our Success Story 2013/14…

Commercial Property Services Provider of the Year 2014 - Commercial Insurance Awards The Commercial Insurance Awards, hosted by CIR Magazine, are the showcase for excellence within business insurance. Recognising the efforts of insurance professionals in helping corporat ...

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The importance of Latent Defects Insurance...
25

The importance of Latent Defects Insurance...

What is Latent Defects?   It is the nature of construction projects that faults and defects caused by failures in design, workmanship or materials, may not become apparent or readily detectable (even with the exercise of reasonable care) until many years after c ...

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Working with a great in-house claims team...
25

Working with a great in-house claims team...

It is at the time of making a claim when you realise the value of your insurance policy and your insurance broker…    Like the beginning of 2014 when Britain has experienced its wettest, stormiest weather on record, being battered from all sides by st ...

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Protect yourself against risk of flooding
05

Protect yourself against risk of flooding

Protect yourself against risk of flooding   The Met Office has today issued severe weather warnings for north and west Scotland, and the rest of the UK is braced as the storm, with 80 mph winds, is expected to move south.  Impacts could include flooding and the ...

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What is Cyber Liability Insurance?
07

What is Cyber Liability Insurance?

What is Cyber Liability Insurance? The term "cyber liability insurance cover" is often used to describe a variety of covers - in very much the same way that the word cyber is used to describe a wide range of information security related tools, processes and se ...

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10 Top tips to Avoid the Pitfall of Underinsurance
04

10 Top tips to Avoid the Pitfall of Underinsurance

1. Insure buildings for rebuild/reinstatement value, not market value Policyholders often think that the market value of their building will be an accurate indication of what it would cost to rebuild, in the event that the building was totally destroyed. Cost ...

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Environmental Exposures - Pension Fund Real Estate Portfolios
04

Environmental Exposures - Pension Fund Real Estate Portfolios

This factsheet highlights the main sources of environmental liability exposures for owners of Pension Fund Real Estate Portfolios along with an assessment of insurance programmes typically purchased for this class of business. Environmental Liability Exposures On fir ...

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Firework Precautions
04

Firework Precautions

Anti-social behaviour associated with the firework period has become a major issue for many communities in the UK. Typically some of the most demanding nights of the year for the police, the fire brigade and other agencies are Halloween and bonfire night, and the days l ...

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Is D&O Insurance Essential?
04

Is D&O Insurance Essential?

What is Directors & Officers Insurance (D&O)? A Directors & Officers policy covers your legal defence costs and court awards arising from the following: Legal liability as a Director or Officer of the company Legal costs and expenses in r ...

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Fire safety tips for your business before and during a firefighters‘ strike
24

Fire safety tips for your business before and during a firefighters‘ strike

Please note that this cannot be a definitive list of all of the points that you may need to consider because all businesses and premises are different, as are the people within them. What you should do Make sure that you think about all of your premises which are l ...

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Be on your metal if you have a vacant property
30

Be on your metal if you have a vacant property

One of our insurer partners recently reported a 2,500% increase in metal theft claims during the last decade that were valued at more than £25,000. There is no doubt that the theft of valuable metals contained within the services installations of vacant properties has ...

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Cannabis Farming Claims Are On The Rise
30

Cannabis Farming Claims Are On The Rise

The issue Cannabis farming claims are higher than they have ever been according to Aviva a leading landlord property insurer. They have reported a 30% rise in residential cannabis farming in the last year. Not all insurance policies provide cover for the damage that ...

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Fire Brigade Response To Your Business Emergency
30

Fire Brigade Response To Your Business Emergency

Why it could be a postcode lottery. Recent legislation means each fire authority has the authority to create a unique strategy for its own area.  This could impact speed of response and indeed whether you get a response at all. Fire alarms is a sensitive area. S ...

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Flood Re agreed as answer to flood-prone properties
30

Flood Re agreed as answer to flood-prone properties

Until recently the issue of homes in known high risk flood areas was addressed with an agreement between Government and the insurance industry but in 2015 that will be replaced with a new agreement called Flood Re. We have produced an update for property owners and managers ...

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Property Owners Liability Limit – Is It Enough?
30

Property Owners Liability Limit – Is It Enough?

When was the last time you reviewed your/ your clients building sum insured? Hopefully fairly recently, but with court awards increasing in both numbers and in particular size , the level of Property Owners Liability Indemnity Limits should also be a key focus for you. ...

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Ministry of Justice Reforms
25

Ministry of Justice Reforms

What the Reforms are intended to do:- • Make lawyers costs proportionate • Combat the compensation culture • Create an environment where insurers can pass on savings to their clients via lower premiums The main changes:- •&nbs ...

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Government and ABI to extend Flood Insurance Deal
30

Government and ABI to extend Flood Insurance Deal

The Issue The ABI and the government are in emergency talks about how to extend their current flood insurance deal, as potential replacement Flood Re will not be ready in time when it ends in June. The trade body has been locked in negotiations with the Treasury and ...

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Important legal changes to system for personal injury claims
18

Important legal changes to system for personal injury claims

The Lord Justice Jackson Review on civil litigation and the Ministry of Justice (MoJ) consultation on the civil justice reforms relating to low value personal injury claims are being implemented in April. The reforms represent the largest overhaul to the personal injurie ...

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Product Spotlight – Professional Indemnity
18

Product Spotlight – Professional Indemnity

No business ever sets out to make a mistake or act negligently but sometimes things can go wrong. And, because businesses operate in an increasingly litigious world, the risk of reparations being sought through the courts has never been higher. Claims for errors or negli ...

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Residential property maintenance tips
18

Residential property maintenance tips

Residential property maintenance tips Residential property management is challenging but with a regular inspection routine it is possible to reduce the risks of bigger issues developing. We’ve produced a short guide to help you. In general Start by checking: ...

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Squatting still an issue for commercial property
18

Squatting still an issue for commercial property

Squatting has been a criminal offence since September 2012 in the UK, but only in residential property. Currently, the law provides no protection for commercial property or non-residential buildings. Once a building has been occupied the removal of squatters is very difficu ...

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Environmental Impairment – are you covered?
03

Environmental Impairment – are you covered?

Liability insurance cover Traditional liability policies were never originally designed to cover environmental risks and are based on the tort system. The tort system relies upon a policyholder being sued by a wronged third party to establish liability. In recent years P ...

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Health & Safety - Information for Property Owners
01

Health & Safety - Information for Property Owners

The Issue There has been an exponential growth in Health & Safety legislation in the last 40 years. New risks arise all the time, as new working practices are developed and new construction materials used. The law has to continually adapt to address these changes, wh ...

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Early Intervention Service
26

Early Intervention Service

The Issue A recent CBI survey calculated that the direct costs to the UK economy of absenteeism is £17 billion, with the average absence per employee being put at 6.5 days per annum. The survey showed that minor illnesses remained the most common cause of absence. ...

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Riots, Disturbances, or Civil Unrest?
15

Riots, Disturbances, or Civil Unrest?

The Issue A lot of conflicting information has been provided by the press and other commentators regarding the legal status of recent events and the impact that status might have on people and businesses making claims for damages they have suffered. Contrary to some r ...

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 Making a claim less stressful
05

Making a claim less stressful

Insurance is a very simple concept. It is essentially a promise to recompense you for an event that creates a loss. Providing that loss is covered under your policy you can make a claim. However, insurance in itself doesn’t take away the stress of a loss, which in ...

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Advice for tenants and leaseholders - Non-weather related water damage
01

Advice for tenants and leaseholders - Non-weather related water damage

Every year millions of pounds of damage is caused to property and contents because of non-weather related water damage. This is mostly due to accidental overflows or defective plumbing apparatus.  Repairing water damage can be difficult and because of the drying perio ...

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Professional Indemnity Insurance
05

Professional Indemnity Insurance

Our Professional Indemnity Insurance covers businesses against clients making claims resulting from errors, omissions or acts of negligence by the business’s owners, directors or employees. Cover can also be extended to incorporate: • Dishonesty of employee ...

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Snow & Ice Advice
06

Snow & Ice Advice

The Issue There has been considerable snowfall during the last two winters. The sustained nature of these events, combined with low temperatures has produced hazardous conditions underfoot that have lasted for many weeks.  Most commercial buildings have some extern ...

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Technology working for you
06

Technology working for you

PI-Property clients have access to award winning technology following our recent success at the National 2010 UK Brokers Awards. Our PI-Online system beat all other brokers to take the first prize in the technology category in September. It is always nice to receive indu ...

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Underinsurance
06

Underinsurance

The issue A leading firm of property valuation experts recently found that 77% of the properties they valued were undervalued. The re-valuations that were carried out required an approximate uplift of between 50-55% in reinstatement costs*.  Usually, the first time ...

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Improved policy cover for our Zurich clients
01

Improved policy cover for our Zurich clients

Improved policy cover for our Zurich clients At Pi-Property we see it as part of our job to continually review insurance markets to ensure that our clients always get the best possible insurance cover. One of the ways we do this is by instigating regular review meetings ...

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Employer’s Liability Tracing Office
08

Employer’s Liability Tracing Office

What is the ELTO? The Employers’ Liability Tracing Office (ELTO) is an Insurance Industry-wide initiative to help those who have suffered injury or disease in the workplace trace relevant Employers’ Liability insurers so that they can make a claim.  The ...

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Risk management in a recession
01

Risk management in a recession

Recessions inevitably put extra strains on businesses and in a series of articles we have put together some hints and tips to help show how risks may be changing and what businesses can do to reduce them. This paper offers some general tips on how businesses can mitigate th ...

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Risk management in a recession - motor fleets
01

Risk management in a recession - motor fleets

Recessions inevitably put extra strains on businesses and in a series of articles we have put together some hints and tips to help show how risks may be changing and what businesses can do to reduce them. This paper concentrates on businesses operating motor fleets. Moto ...

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Tenants Specialising in Recycling
01

Tenants Specialising in Recycling

The issue Property managers will, from time to time, either add a property to their portfolio with a tenant that provides recycling services or need to consider a tenant whose business is recycling for an existing vacant property.  Recycling can throw up some insur ...

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Test Emergency Lighting
05

Test Emergency Lighting

The Issue A considerable number of fire deaths are caused by smoke inhalation. Finding a way out is critical. Emergency lighting illuminates escape routes when the main power supply is shut down so making sure they are in perfect working order is vital in reducing the ri ...

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Theft of heating oil
05

Theft of heating oil

The issue The cost of heating oil has increased significantly in the last year resulting in a major hike in thefts from both domestic and commercial properties.  Quite often the first indication that a theft has taken place is when the heating stops.  The met ...

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Cannabis Farming On The Rise
03

Cannabis Farming On The Rise

The issue Cannabis farming claims are higher than they have ever been according to Aviva a leading landlord property insurer. They have reported a 30% rise in residential cannabis farming in the last year.  Not all insurance policies provide cover for the damage th ...

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Claims – an extra service
03

Claims – an extra service

All of our clients have our AAA claims promise: • Advice: We will support you through every step of your claim and make sure you understand every aspect right up to your final settlement • Accessibility: You will be allocated a qualified ...

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11 Tips on Managing Electrical Faults https://t.co/cQ1HN0TV3I https://t.co/PYwERmMl1Q

What is Pension Portfolio Insurance? https://t.co/blZJwz6xuH https://t.co/H3fKtdJdYH

Will your business interruption insurance cover a cyber event? https://t.co/ecwYoRly4n https://t.co/X9eoNeOLrU