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What is Constructive Total Loss in Marine Insurance? 800 533 James Hallam

What is Constructive Total Loss in Marine Insurance?

Marine insurance policies cover businesses for various different kinds of losses. In this post we will explain what constructive total loss is, and how it differs from other types of loss. What is Constructive Total Loss? In the marine industry, insurers will consider constructive total loss (CTL) following significant damage to ships or cargo. Specifically,…

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OCIP vs CCIP: What is The Difference and Which Should I Choose? 800 534 James Hallam

OCIP vs CCIP: What is The Difference and Which Should I Choose?

If you are a property developer, or you are managing a large construction project, you have a choice about the sort of insurance you get to cover your project. Broadly speaking, it is a choice between an owner-controlled insurance programme (OCIP) and a contractor-controlled insurance programme (CCIP). In this post we will explain the difference…

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New Rules For Multi-Occupancy Buildings Insurance – One Year On 800 800 James Hallam

New Rules For Multi-Occupancy Buildings Insurance – One Year On

In December 2023, the Financial Conduct Authority (FCA) set out new rules for multi-occupancy building insurance. These rules only apply to residential leaseholders. They do not affect commercial properties. In this post we will review the new rules that came into play and assess the effect these new rules have had on the market over…

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10 Reasons Why Your Business Needs Directors & Officers (D&O) Insurance 750 422 James Hallam

10 Reasons Why Your Business Needs Directors & Officers (D&O) Insurance

What is Directors and Officers insurance? Directors and Officers (D&O) insurance is a vital safeguard for businesses, protecting key decision-makers from personal liability in the event of legal claims related to their roles. In the UK, the responsibilities of directors and officers have increased significantly due to ever-evolving corporate governance standards and stricter regulations. Without…

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Why Your Rosewood Furniture May Require Certification 700 515 James Hallam

Why Your Rosewood Furniture May Require Certification

Wood has been a primary material in furniture making for centuries, valued for its strength, beauty, and versatility. Different types of wood offer unique characteristics that enhance the style and durability of furniture, from the sturdy oak and walnut to the delicate and decorative mahogany. Among these, rosewood stands out as one of the most sought-after materials…

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How to Secure Your Home and Car While on Winter Holiday 1920 1280 James Hallam

How to Secure Your Home and Car While on Winter Holiday

The winter holiday season is a time for relaxation and enjoyment, but it also brings an increased risk of burglary and vehicle theft if you are planning on going away. Ensuring your home and car are secure can give you peace of mind during your travels. Here’s a concise guide on how to protect your…

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Preparing Your Home for Winter: Essential Steps to Stay Warm and Safe 700 515 James Hallam

Preparing Your Home for Winter: Essential Steps to Stay Warm and Safe

As the colder months approach, preparing your home for winter becomes essential to ensure your comfort and safety and to maintain energy efficiency. Winter weather can bring freezing temperatures, storms, and other hazards, so taking a few proactive steps now can help to protect your property and avoid costly repairs down the line. How to…

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Do You Need to Change to Winter Tyres in the UK? 800 450 James Hallam

Do You Need to Change to Winter Tyres in the UK?

As winter approaches, the question of whether to switch to winter tyres often comes up. In this post, we explore what they are and whether you need them.  What are Winter Tyres? Winter tyres are specifically designed to perform better in cold weather, snow, and icy conditions, thanks to their softer rubber compounds and deeper…

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patek philippe
John Lennon’s Patek Philippe: The Importance of Knowing Your Jewellery’s True Value 700 595 James Hallam

John Lennon’s Patek Philippe: The Importance of Knowing Your Jewellery’s True Value

John Lennon’s Patek Philippe, an iconic timepiece worn by one of the most influential musicians in history, recently made headlines due to its remarkable value. More than just a luxury watch, it represents a piece of cultural history, deeply connected to Lennon’s life and legacy. This example highlights a key truth—jewellery and timepieces often carry…

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