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What is the Difference Between CIF and FOB in Shipping? 800 449 James Hallam

What is the Difference Between CIF and FOB in Shipping?

CIF and FOB are two different international shipping agreements determining who is responsible for goods during transit – the buyer, or the seller. In this post we will outline the differences between CIF and FOB, and examine the insurance implications of each. What is CIF in Shipping? CIF stands for cost, insurance, and freight. In…

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Common GDPR Challenges for Travel Agents and Travel Operators 800 450 James Hallam

Common GDPR Challenges for Travel Agents and Travel Operators

Since 2018, the General Data Protection Regulations (GDPR) have governed how businesses collect, store, and transfer personal data. These regulations apply to businesses operating in most European countries – regardless of whether they are members of the EU. This includes travel agents and travel operators. In this post we will outline some common GDPR challenges…

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Who is Responsible for Building Insurance on Commercial Property? 800 533 James Hallam

Who is Responsible for Building Insurance on Commercial Property?

Buildings insurance is vital for all businesses. If your business premises are not insured, then you may struggle to operate following fires, floods, and other incidents. Yet who is responsible for arranging and paying for building insurance on commercial properties? Whether you are a business owner, a leaseholder, or a freeholder, it can be confusing…

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How to Protect Your Home from Storm Damage 600 400 James Hallam

How to Protect Your Home from Storm Damage

As Storm Bert approaches, bringing heavy rain, strong winds, and disruptive snow, it’s vital to prepare your home to minimise potential damage. Here are some practical steps to keep your property and family safe: Secure your home Inspect your roof: Check for loose or missing tiles and secure them to prevent leaks or damage from strong…

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What Property Developers Need to Know About ESG in Real Estate 800 519 James Hallam

What Property Developers Need to Know About ESG in Real Estate

Growing numbers of property developers are starting to understand the importance of ESG in real estate. In this post, we will explore what ESG means for real estate, while outlining some steps property developers can take to improve their practices. What is ESG? ESG stands for “environmental, social, and governance”. Think of ESG as a…

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Do Hotels Need Cyber Insurance? 800 564 James Hallam

Do Hotels Need Cyber Insurance?

If you run a hotel, then you know you need to get certain forms of insurance to cover your establishment against risks such as fire, flood, and theft. But does your hotel need cyber insurance? Is your hotel really so vulnerable to cybercrime that you need specialist insurance to cover you against the risks? Short…

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Commercial Combined vs. Separate Insurance Policies: Which is Best For Your Business? 800 534 James Hallam

Commercial Combined vs. Separate Insurance Policies: Which is Best For Your Business?

If you run a business of any size, then you will need adequate business insurance to cover you for the various risks you will face. When it comes to business insurance, you have a choice. You can either get separate insurance policies to cover you for each individual risk you face, or you can get…

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What Are The Fundamental Principles of Marine Insurance? 800 533 James Hallam

What Are The Fundamental Principles of Marine Insurance?

In this post we will explain six fundamental principles of marine insurance. The principles of marine insurance may determine the outcome should you ever need to make a claim on your policy. What are the fundamental principles of marine insurance? Utmost Good Faith Insurable Interest Indemnity Proximate Cause Contribution Subrogation Principle of utmost good faith…

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Cyber Security For Travel Agents & Tour Operators – How To Protect Your Business 1280 853 James Hallam

Cyber Security For Travel Agents & Tour Operators – How To Protect Your Business

Cyber criminals are actively targeting the travel and tourism industry. According to one report, 72% of SMEs in the travel sector have fallen victim to at least one cyberattack in recent years. In this post we will outline the key cyber security threats for travel agents and tour operators, and explore some ways you can…

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