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For a business, a flood on your premises can be an unmitigated disaster. Flood damage, structural damage, damage to electrics, and partial or total loss of stock. That can cost anywhere between thousands to millions of pounds. To help you protect yourself against this kind of financial risk, there are many different insurance policies that can help protect your business. Is there a comprehensive flood insurance policy?
At the moment, there is no insurance policy that protects your business from the kind of devastation a flood wreaks. However, most building and contents insurance policy will include flooding as one of the risks. It’s worth double checking with your provider to make sure you’re covered.Should your property’s structure, furniture or appliances be damaged due to a flood, you know you’re covered.
There are additional policies you can take out that offers additional industry specific protections. For example, if you run a shop, you can take out stock...


There are many types of motor insurance specifically tailored to businesses, but the majority of them will protect your vehicle or third parties, but not the contents you are transporting. Should you be involved in an accident and your goods or equipment are damaged, you could face financial loss and damage to your reputation. A goods in transit policy can offer additional protection for the contents of your vehicle whilst travelling.
How do I know if I need a Goods in Transit policy?
Depending on what type of goods you transport, you will fall into one of two categories
Haulage cover – if you transport items for third parties (i.e. As a courier) then you will need goods in transit insurance tailored to your sector and risks.
A goods in transit policy is especially important for haulage firms, as you are handling your customer's goods. Should anything happen whilst the items are in transit, you could end up losing out financially, and you could face permanently losing a customer...


A house insurance policy is essential for protecting your home and possessions against any unfortunate eventualities. But did you know that there is a limit on how much insurers will pay for a single item? If you have a little more than most to insure, then High Net Worth Insurance could be the perfect policy for you. How do you define a “High Net Worth” client?Generally speaking, insurers will consider a client to have a high net worth if they require a household policy that can cover at least £150,000 worth of general contents including specialist items such as antiques and fine art.Much like a standard home insurance policy, high net worth insurance gives you financial protection for the contents and structure of your home, for the value they are worth. If you have high-value assets and a lack of time, a high net worth policy is perfect for you. High Net Worth insurance providers will give a high-quality service which is quick and simple to understand. What cover i...


Cybercrime is currently the biggest threat facing businesses around the world. It has never been easier for criminals to target businesses – big or small – with sophisticated methods that steal your data and leave your business crippled. 
2017 saw several organisations such as the NHS, HBO and Sony were hit by cyber breaches, leading to business and system downtime and public scrutiny. So it is understandable that many UK cyber security executives are concerned about what 2018 might hold.
According to cyber-security firm Alert Logic's Threat Monitoring, Detection & Response Report, 48% of cybersecurity experts said they were concerned that more businesses would be hit with ransomware attacks (such as wannacry) and phishing attacks.
47% also named data loss as a growing concern for businesses, as the public becomes more concerned about the privacy and security of their personal information.
Only 42% were even moderately confident that their organisations’ secu...


When it comes to cyber-insurance, most businesses will be following all the proper procedures to defend against a virus or attack – but it can sometimes be easy to forget that the traditional frauds and scams play on manipulation through more conventional means.
CEO Fraud is one such scam, that relies on the loyalty of your employees and uses it against your business to steal thousands of pounds. It remains a niche type of fraud, however, unlike phishing scams that have a 30% success rate, CEO fraud has a 90% success rate. A report from earlier this year by the National Fraud Intelligence Bureau (NFIB) shows that over £32 million has been reported to have been lost as a result of CEO Fraud.
So What is CEO Fraud?
CEO Fraud (also known as the Fake President trick) is a scam in which cybercriminals steal the identity of the CEO or other higher management team members, and uses bogus emails to request a transfer of funds from an employee within the business.
The targets will us...