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Insurance explained

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What do insurance companies do?

Part of what insurance companies do is take the financial hit if something goes wrong for their customers. But it's far more complicated than that...

What your insurer wants (and why it matters)

Knowing what your insurer wants gives you the inside track and helps get you the right insurance at the right price.

Employers’ liability insurance and Christmas workers

You have a duty to protect temporary staff in the same way as permanent employees. Don't, and you could find seasonal goodwill in short supply.

Office insurance explained

Office insurance protects the things you use to run your business the same way a home contents policy covers your personal stuff. Here's why you need it.

Business insurance brokers: online or offline?

It’s the 21st century and buying stuff online is easy and, for many, the default choice. But does the same apply to business insurance? 

Is your insurance ‘any one claim’ or ‘in the aggregate’?

Is your professional indemnity insurance ‘any one claim’ or ‘in the aggregate’? And why does it make a difference? As always, it's all to do with money...

What is professional liability insurance?

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