Paul

  Lloyd’s has been at the centre of the worldwide insurance market for centuries. It has no connection at all with The Lloyd Banking Group or Lloyds Pharmacy. It was where the first insurance policies were written in the 17th century and is still the most famous insurance market in the world. It insures aircraft, … Read more

When applying for insurance, you will be asked to disclose all material facts that could affect the risk. Why, because the law assumes you know everything about the risk you wish to insure and the insurer does not. For the insurer to be able to select the risks it wishes to insure, at the right … Read more

  Fire could be the biggest risk to the survival of many businesses. Owners or directors of businesses which have neglected to ensure a valid full fire risk assessment is in place also risk prosecution. Under amendments to fire safety regulations, all non-domestic premises in England and Wales require, by law, a fire safety risk … Read more

  Environmental pollution is a hot issue and businesses have to take great care not to pollute the neighbourhood or the atmosphere.  Seepage of oil from tanks, the growing practice of building on brown field sites, the polluting of rivers and streams due to escape of effluent and disposal of waste are all issues that … Read more

Does your business insurance measure up? Running a business is becoming increasingly complex, compounded by extra regulation, advances in employment legislation, new laws and the growing compensation and blame culture. This has meant that the traditional insurances recommended to you by some brokers are unlikely to be sufficient to protect you against all claims that … Read more

Around 80% of small and medium sized businesses do not protect themselves and their directors and officers against personal claims against them although the list of potential and actual causes of claims is growing rapidly. These range from corporate manslaughter, health and safety, environmental and other governmental or regulatory actions to claims from employees, creditors, … Read more

What is Intellectual Property? “Intangible” assets (“IA”) include Intellectual Property (”IP”), which covers a diverse range of  legally protected rights such as patents, copyrights, trademarks, trade secrets, designs and other forms of intangibles such as human capital, contract rights and goodwill. In our increasingly knowledge-based economy, intangible assets have economic and strategic importance just like … Read more

  Horner Blakey Insurance Brokers are delighted to announce the merger with Maida Vale Insurance Bureau on 21 Malvern Road, West Kilburn, London NW6 5PS   Horner Blakey is one of London’s leading independent insurance brokers, offering tailored insurance solutions at competitive prices.   Horner Blakey know you are always looking for the best value … Read more

British made goods are attractive to overseas buyers but exporting can still be a messy business hindered by a great deal of red tape. One of the main issues that businesses need to be aware of is the insurance implication of selling goods and services abroad. In short there are three areas to consider: – … Read more

As we have seen dominating the news and media for the past couple of months, the devastating scenes of the flood crisis has affected people up and down the country including the South East and London. There are currently 146 flood warnings in place throughout the UK – this is usually around 12. If you … Read more