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Advice, News & Know-how

Public Liability Insurance

Find out how public liability insurance works and how trips, slips, spills and assorted mishaps can cost you dear when they happen to other people.

Discover what makes public liability and professional indemnity insurance different, and get an inside edge on choosing a good policy.

How does a broker help with insurance claims?

Why should you use a broker? You'll find out when you need help with insurance claims. Here's why they're the difference between a claim being paid or not.

Insurance for education consultants explained

Deciding how much education consultants' insurance you need is a simple matter of educating yourself about risk. Don't learn the hard way, basically.

More insurance terminology for beginners

Yet further confusing insurance terminology well and truly busted. Endorsement? Deductible? Indemnity? These terms and more explained - simply.

Teachers’ tips: How to minimise your chances of a claim

Here's how teachers can minimise their risk of negligence allegations. Professional indemnity and public liability insurance will keep you covered.

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What do in the aggregate and any one claim mean?

In the aggregate or any one claim? What difference does it make to your insurance and why are we going on about it? Find the answers here.

Top 6 business insurance questions

Struggling to get to grips with business insurance? You're not the only one. Here are six questions we're asked often – and their answers.

How are insurance premiums calculated?

Feel like your insurer is just pulling numbers out of thin air? Exactly how are insurance premiums calculated? Here's what you need to know.

Why do you need to know so much about me?

For the sake of balance, we thought we'd explain why we need certain bits of information. And what can happen if we don't have it when it matters.

In defence of continuous insurance

For those a bit hazy on the details, continuous insurance is a type of policy that only stops when its cancelled. Sounds obvious but here's why that's a good thing.

What does public liability insurance cover?

What's public liability? What does public liability insurance cover? Which businesses need it? Find out the answers to these and other questions here.

What’s an insurance excess?

An insurance excess is the amount you pay towards a claim. Usually, the higher your excess, the lower your premium (and vice versa). But not always ...

What is professional liability insurance?

Professional liability insurance, professional indemnity, public liability, personal indemnity. All the same, right? No. Here's why.