Morrison insurance Solutions

Latest News

Jun

29

2017

How are insurance premiums calculated?

There are many factors that can affect how insurance premiums are calculated. The primary one being the risk profile in question, however the rest are determined by a range of other influences. To help you understand how insurance premiums are calculated, we take a  ... Find out more


Jun

29

2017

How can you protect your business from ransomware?

Ransomware – a form of malware used by cybercriminals to hold your data hostage until a fee is paid. This is not a new concept, however, the recent size of the attack by WannaCry has been the largest seen, according to Europol, infecting more than 200,000 computers ...  ... Find out more


Jun

29

2017

Insurance Premium Tax – What’s new?

The Government announced in the Autumn Statement of 2016 that the standard rate of Insurance Premium Tax (IPT) would increase from 10% to 12%. The rate that took effect on 1st June 2017 is the third increase of IPT in the last two years. What is it? IPT was introduced   ... Find out more


Apr

19

2017

Changes to The Ogden Rate

The Lord Chancellor has decided to lower the Ogden discount rate from +2.5% to -0.75% with effect from 20th March 2017. So what does it mean for you?  ... Find out more


Apr

19

2017

How can escape of water risks be mitigated?

Escape of water is one of the most significant risks that many property owners will face – with insurers paying out £2.5m every day for these types of claims.   ... Find out more


Apr

19

2017

How to prevent metal theft

Although there is an ongoing effort to tackle metal theft, it still remains a major risk for businesses across the UK.Are you prone to metal thieves?  ... Find out more


Apr

19

2017

Welcome to Stuart and Nicola

In January we had two new recruits join our Business Development Team. After giving them a few months to settle in we fired a few questions at them to get to know them a little bit more.  ... Find out more


Feb

03

2017

11 Tips on Managing Electrical Faults

With the increase of announcements by leading brands who are reporting faults within their products, it’s not a surprise that millions of households throughout the UK are thought to be affected. We look at some ways to mitigate potential loss...  ... Find out more


Feb

03

2017

BIBA Announce new Commercial Flood Scheme

The British Insurance Broking Association (BIBA) has recently announced the launch of a new flood scheme for businesses that were ineligible for insurance cover under the Flood Re scheme.  ... Find out more


Feb

03

2017

Getting to know Elaine Ryan

In this article we will explore the role of Elain Ryan, Senior Manager at Pi-Property Insurance. We find out more about what her job role entails, what makes her tick and what ticks her off   ... Find out more


Dec

07

2016

Breaking News - Gable Announced Bankrupt

The FSCS have announced that insurer Gable have been declared bankrupt. It means that all insurance policies currently with Gable will need to be replaced immediately to ensure the policyholders have full cover...  ... Find out more


Dec

01

2016

Are you ready for the freeze?

As winter approaches and the cold sets in, we look at the best way to prepare for when the temperatures drop...  ... Find out more


Dec

01

2016

Getting to know Richard Nurrish

In this article we will explore the role of Richard Nurrish, Manager of our Corporate and Speciality Lines team at Pi-Property Insurance. We find out more about what his job role entails, and delve into the mystery that is Richard Nurrish  ... Find out more


Dec

01

2016

Supporting Sense - The Big Abseil

On 29th September 2016, five of our brave co-workers took on a 210ft, 16 story office block all in the name of charity. Find out how they got on...  ... Find out more


Dec

01

2016

Will your business interruption insurance cover a cyber event?

The recent news reports on Tesco, Yahoo! and TalkTalk show us that Cyber incidents are on the increase and a recent report from Lloyds of London stated that; 9 out of 10 large businesses had suffered a significant cyber-attack in the last 5 years. However, this doesn't just affect larger businesses...  ... Find out more


Sep

23

2016

Insurance Broker of the Year 2016!

Friday 16th September 2016 marked the day of the 23rd annual UK Broker Awards ceremony. This prestigious event is a fantastic opportunity to reflect and celebrate all of the outstanding work that brokers, from the smallest to the largest...  ... Find out more


Sep

15

2016

Apprenticeship Success

In May we watched two of our young apprentices graduate with flying colours, completing a NVQ level 3 qualification, as well as achieving their Certificate in Insurance (Cert CII) professional qualification. Through the apprenticeship scheme they have not only...  ... Find out more


Sep

15

2016

Cyber - Directors & Officers

With data breaches becoming more common and more high profiled, there is a need for increased diligence from directors concerning cyber security, to prevent claims arising. This means that...  ... Find out more


Sep

15

2016

Getting to know Victoria Dawes

In this article we will explore the role of Victoria Dawes, Pi-Broking Manager at Morrison Insurance Solutions. We find out more about what her job role entails, what makes her tick and what ticks her off...  ... Find out more


Sep

15

2016

Supporting the Stratford Cancer and Eye Hospital

At Morrison Insurance Solutions we are passionate about supporting our local community, particularly when it comes to those who need it most. This year we have made efforts to raise money for the...  ... Find out more


Sep

15

2016

What is underinsurance?

When purchasing insurance the premium is calculated on the buyer’s individual circumstances and the amount of cover they decide to take out to protect their business...  ... Find out more


May

31

2016

Cyber Security - Protect your Data!

Loss of data, whether maliciously through a cyber-attack or as the result of an innocent mistake, can seriously affect a business. As well as generating fines of up to  ... Find out more


May

31

2016

Flood Re Update

Flood Re is a not-for-profit fund that was established in 2011 as a collaboration between the Government and the Insurance industry, to provide affordable cover for  ... Find out more


May

31

2016

Getting to know Jason Oldham

In this article we will explore the role of Jason Oldham, Senior Manager at Pi-Property Insurance. We find out more about what his job role entails, what makes him tick and what ticks him off  ... Find out more


May

31

2016

Landlords and Letting Agents face being fined

Since February 2016 Landlords and some Letting Agents are now required to check the Immigration status of all their new residential tenancies when the property is used as their main home  ... Find out more


May

31

2016

Pool Re Amendments

Last year after a review of the scheme it was decided that it would be beneficial to make some changes, these are the first significant amendments since 2003 and are intended to  ... Find out more


May

31

2016

The importance of Risk Management

Every business is prone to risk and even the adverse are at the point where it is riskier not to do anything when it comes to a risk management plan. The key functions of risk management are  ... Find out more


Apr

14

2016

Commercial Crime

It is a sad fact that Commercial Crime Cover is increasingly becoming a necessity for businesses of all sizes. Recent statistics show that  ... Find out more


Feb

02

2016

Flood Advice

Following the recent widespread flooding across many parts of the UK, we have produced a short guide offering advice to those who may have suffered damage to their property and how you can prepare to mitigate the damage from future flooding   ... Find out more


Feb

02

2016

How to spot a scam?

The definition of ‘scam’ is a scheme, or trick, performed by a dishonest individual or group in an attempt to obtain money or something else of value. They can arrive by post, phone call, text message or email or a scammer may turn up at your home. As the scammers are getting more intelligent we look at...  ... Find out more


Feb

02

2016

Proud Supporters of INAS

Here at Morrison Insurance Solutions, we are proud to be a supporter of INAS. INAS is an international charity that supports para-athletes with an intellectual disability (also known as a ‘learning disability’) worldwide. Formed in...  ... Find out more


Feb

02

2016

Top 10 reasons to buy Directors and Officers cover

In this article we have listed what we believe are the top 10 reasons to purchase Directors' and Officers' insurance...  ... Find out more


Dec

18

2014

Avoid being surprised by bank interest clauses in real estate lending

Banks are imposing ever stricter conditions on their real estate lending through the use of interest clauses. Although insurers understand the banking industry’s reasons for including these clauses, customers are often unaware of...  ... Find out more


Dec

18

2014

How to Prevent Slips, Trips and Falls – 6 Point Plan

Slips, trips and falls can occur anywhere at any time and affect anyone. They are frequently the result of a combination of avoidable factors. To reduce the risk of accidents, your work environment must...  ... Find out more


Dec

18

2014

The Illegal Cultivation of Drugs

The illegal cultivation of drugs can cause expensive damage to a property, but some landlords have found they are not covered by their insurance policy. This is because...  ... Find out more


Dec

18

2014

Theft of Vehicles That Are Unlocked or Have Keys Left Inside

Most motor insurance policies now exclude cover for theft if the vehicle is left unlocked and unattended or if the keys are left in or on the vehicle. Employers need to make absolutely sure that any company vehicle user understands that...  ... Find out more


Sep

24

2014

Is Legionnaires’ the new Asbestos?

An update to health and safety legislation means insurers need to pay renewed attention to the rarely considered threat of Legionnaires’ disease  ... Find out more


Sep

24

2014

Unoccupied Commercial Property Risks

When a commercial property becomes vacant the risk of fire, theft, damage and liability issues increases. We have compiled a list of some simple yet necessary ways to protect unoccupied commercial premises  ... Find out more


Jun

19

2014

A sobering thought for pubs with beer gardens

After such a wretched winter there will be no shortage of people hoping for a warm, dry summer and looking forward to a drink in a beer garden. This is great news for landlords. However, there are public liability exposures to think about before you start serving up  ... Find out more


Jun

19

2014

Insurers going extra mile for their customers over real estate lending

Insurers have witnessed a sharp increase in the number of requests for bank interest clauses as banks continue to de-risk their real estate lending  ... Find out more


Jun

19

2014

The importance of tree maintenance

Local Authorities that don’t diligently implement a reasonable tree maintenance programme shouldn’t expect any sympathy from the courts. The London Borough of Bexley was left counting the cost when tree works that it had ordered were not implemented  ... Find out more


Mar

26

2014

Business Continuity Planning...

You work so hard to gain an advantage over your competitors and maintain your reputation with your customers but without a viable business continuity plan all that effort can be undone very quickly. Many businesses struggle to  ... Find out more


Mar

26

2014

The importance of Latent Defects Insurance...

It is not uncommon in construction projects to find faults and defects. There are many reasons, but most commonly they are due to failures in design, workmanship or materials. They may not become apparent or readily detectable, even with the exercise of reasonable care, until many years after completion of a project. This can be long after the  ... Find out more


Dec

02

2013

Firework Precautions

Some of the most demanding nights of the year for the police, the fire brigade and other agencies are Halloween and bonfire night. The damage which can be caused to property as a consequence of the anti-social usage of fireworks is a serious concern  ... Find out more


Dec

02

2013

What is Cyber Liability Insurance?

Cyber risk insurance covers the cost of restoring loss to business income or reputation caused by damage to computers and computer networks  ... Find out more


Jul

30

2013

Property Owners Liability Limit – Is It Enough?

We often see Property Owners insurance policies with wholly inadequate limits of indemnity of just £1 million or £2 million. In today’s litigious society it only takes a tile falling from a roof or an electrical fire for a significant claim to be made if someone is injured or even killed. Don’t take the chance – Pi Property Insurance cover has a minimum of £5 million worth of cover, and for just a few pounds extra can be increased to our recommended level of £10 million  ... Find out more


Jan

03

2013

Environmental Impairment – are you covered?

The gap between traditional liability insurance cover and the range of environmental liabilities to which a business can be exposed has become uncomfortably wide in the last few years and is getting wider. There are two main reasons   ... Find out more


Sep

15

2012

Riots, Disturbances, or Civil Unrest?

A lot of conflicting information has been provided by the press and other commentators regarding the legal status of recent events and the impact that status might have on people and businesses making claims for damages they have suffered. Contrary to some reports  ... Find out more


Apr

01

2012

Advice for tenants and leaseholders - Non-weather related water damage

Every year millions of pounds of damage is caused to property and contents because of non-weather related water damage. This is mostly due to   ... Find out more


Mar

07

2012

Professional Indemnity Insurance

No business ever sets out to make a mistake or act negligently but sometimes things can go wrong. And, because businesses operate in an increasingly litigious world, the risk of  ... Find out more


Dec

06

2011

Snow & Ice Advice

There has been considerable snowfall during the last two winters. The sustained nature of these events, combined with low temperatures has produced hazardous conditions underfoot that have  ... Find out more


Sep

08

2011

Employer’s Liability Tracing Office

The Employers’ Liability Tracing Office (ELTO) is an Insurance Industry-wide initiative to help those who have suffered injury or disease in the workplace trace relevant Employers’ Liability insurers so that they can make a claim. They do this by  ... Find out more


May

05

2011

Test Emergency Lighting

A considerable number of fire deaths are caused by smoke inhalation. Finding a way out is critical. Emergency lighting illuminates escape routes when the main power supply is shut down so making sure  ... Find out more


May

05

2011

Theft of heating oil

The cost of heating oil has increased significantly in the last year resulting in a major hike in thefts from both domestic and commercial properties  ... Find out more


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