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As a business owner you know that covering your business if it is damaged in anyway is important. Afterall, you need to cover the costs of repairing the damage. However, do you know how important it is to cover the loss of income if you have to close your business for a prolonged amount of time? What about paying your employees and the bills if you have no income? How long would your business survive if you had no revenue...

Some of the insurance industry’s leading companies have been ‘found wanting’ by the Supreme Court and are now required to pay claims that they had pleaded were not covered by their various insurance policies. Next comes the vexing task of ‘adjusting’ the losses claimed by the policyholders and already some insurers have asserted ‘their right’ to deduct grants, loans and Furlough monies from indemnity payments. Our latest Covid Bulletin examines the controversial question: Is it Treating Customers Fairly for insurers now to deduct...

Are you in the position of having to make a claim on your travel insurance due to COVID-19? You’ve probably never had to really think about your travel insurance before, you generally pay a small premium just in case something goes wrong, but you would never normally expect to make a claim.  You might be surprised to know that a travel insurance policy is one of the most complicated policies in existence. The term small print might as well have...