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
Introduction Unoccupied properties are an inevitable feature of the property market. Evidence shows that the prospect of damage or injury arising from unoccupied property is high, even if only temporarily vacant for example prior to sale or refurbishment. Hazards Each year there are around 9,000 fires in empty buildings. Other common problems include theft … Read more
Employers are legally responsible for employees who drive whilst at work. The employer’s responsibility also extends to ensuring that private vehicles used by employees on ‘company business’ are also operated in a lawful manner. Management policy 1.Assign a senior manager with specific responsibility for managing driving at work. 2.Implement a Health & Safety policy, … Read more
In recent years drivers have increasingly fallen victim to a new kind of car crime – staged or deliberate motor accidents where someone deliberately causes an accident with an innocent motorist with the intention of making a false or inflated insurance claim. A typical staged accident occurs when someone deliberately causes an accident with … Read more
The number of first time landlords has increased thanks to a boost in the property market. A recent survey found that 27% of circumstances involved first time landlords – the highest it’s been since the economic downturn in 2007. With increased demand for new homes in the private rental sector growing at a steady rate, … Read more
The team at Horner Blakey wish you a very Merry Christmas and a prosperous 2014! 2013 has been an extremely exciting year for us and we look forward to working with you next year. Please see below our trading hours during the festive period. Christmas opening hours Christmas Eve 9:00 – 14:00 Christmas Day closed … Read more
Mike Daniel of Horner Blakey Insurance Brokers explains. Even decisions made with the best intentions are subject to scrutiny. Where there are legal actions and investigations that allege misconduct by any director these cannot be ignored, and defending them to prove innocence can be extremely time consuming and costly. Company Directors are responsible … Read more
If you work with the public, or the public come to your offices or premises to do business with you, then you will need public liability insurance. Even though public liability insurance is not compulsory, many customers will want to know you have public liability insurance before they do business with you. This is especially … Read more
Property owners insurance is designed to protect you as an owner of a property whether it be a Commercial or Residential let. It is to safeguard your assets and protect your investment. Horner Blakey Insurance Brokers pride themselves in having many years experience in this field. Cover is generally on an “All Risks” basis so … Read more
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