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What is Actual Total Loss in Marine Insurance? 500 209 James Hallam

What is Actual Total Loss in Marine Insurance?

We recently published a guide to the different types of loss in marine insurance. This post will take a closer look at a specific type of loss: Actual total loss (ATL). What is Actual Total Loss (ATL)? In marine insurance, the phrase “total loss” refers to a situation where a ship, or its cargo, has…

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New Rule Changes for Ship Owners on Decarbonising 500 282 James Hallam

New Rule Changes for Ship Owners on Decarbonising

Global shipping is governed by a number of regulations designed to encourage decarbonisation. These regulations mainly affect ship owners who trade to, from, or within the EU. In this post we will look at the current decarbonising rules, and assess how they are set to change from early 2025. Carbon Intensity Indicator (CII) The International…

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winter storage of boats
Top 10 Tips for the Out-of-Water Season: An Off-Season To Do List 650 433 James Hallam

Top 10 Tips for the Out-of-Water Season: An Off-Season To Do List

The end of the boating season often signals a shift in priorities for marine enthusiasts. As your vessel is hauled out of the water, it’s essential to ensure it is properly cared for during the off-season. Whether you are protecting against the winter chill or gearing up for spring’s return, these top 10 tips will…

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D&O and MLP: What’s The Difference? 500 334 James Hallam

D&O and MLP: What’s The Difference?

What is the difference between directors and officers (D&O) insurance, and a management liability policy (MLP)? Each can provide some cover for a company’s upper management and decision makers. But is there any overlap between the two? And which type of cover is right for your business? What is Directors and Officers (D&O) insurance? D&O…

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8 Reasons Why Your SME Needs Cyber Insurance 500 334 James Hallam

8 Reasons Why Your SME Needs Cyber Insurance

Cyber insurance is tailored cover for the risks associated with cyber breaches and other forms of cybercrime. A cyber insurance policy can cover for the costs related to data recovery, legal fees, customer notification, and public relations efforts. It can also provide some cover for business interruption, allowing you to manage your overheads while you…

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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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house in snow
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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