Latest News

The Supreme Court's judgment concludes a complex legal test case brought by the Financial Conduct Authority (FCA) in 2020, in which the FCA sought urgent clarification on key issues of contract uncertainty in some insurance providers’ policy wordings.  ... Find out more

The Financial Conduct Authority (FCA) has published a list of policies potentially affected by the recent court case ruling, along with other resources and information of interest to policyholders  ... Find out more

The UK formally left the EU at 11pm on 31 December 2020, and while the main treaty is agreed, there is still a lot of detail that the UK and EU need to sort out. One of the key issues that remains unresolved is the fact that the rules relating to financial services have not been finalised.  ... Find out more

On Friday 15th January 2021, the Supreme Court handed down their judgment on the High Court test case brought by the Financial Conduct Authority (FCA), regarding business interruption insurance claims and COVID-19.  ... Find out more

As we hunker down for a third national lockdown, it may be necessary for you or your tenants to vacate your premises entirely or change how it is occupied. This could have implications for your insurance as most property insurance policies only provide...  ... Find out more

Systematic checks for an international motor insurance certificate (IMIC), also known as a ‘green card’, may be introduced as proof of third-party motor insurance at the border of EEA member states if the Brexit transition period ends without a trade deal  ... Find out more

Christmas is nearly here and as 2020 comes to an end we would like to take a moment to thank you for your valued support, throughout this challenging year. Wishing you a Merry Christmas and the best of luck for a prosperous 2021  ... Find out more

As we head into the second national lockdown, it may be necessary for you or your tenants to vacate your premises entirely or change how it is occupied. This could have implications for your insurance as most property-covering policies only provide between 30 and 60 days...  ... Find out more

Read the following article to learn more about the current state of the Financial Lines market in the UK, areas to watch out for, and our advice to our clients in the run up to their next renewal...   ... Find out more

Update: The Financial Conduct Authority (FCA) test case to obtain court declarations that would help resolve contractual uncertainty in several business interruption policies, stemming from claims relating to COVID-19...  ... Find out more

In response to the volume of recent queries we've received about how the COVID-19 pandemic and the consequent lockdown is affecting insurance cover, we've compiled this set of frequently asked questions (FAQs).  ... Find out more

The Coronavirus outbreak has initiated new types of scam activity with criminals exploiting the current situation. These are circulating in a variety of formats which we will highlight within this article, alongside some advice on how to spot and deal with them.  ... Find out more

As a result of the distancing measures that have been implemented by the Government, we are aware that a large number of our clients will be in the situation where their property/properties may have become unoccupied.  ... Find out more

We our continuing to manage and deal with all incoming claims. We have taken the decision to have our members of staff work from home where possible...  ... Find out more

Whilst there are ongoing concerns about the coronavirus (COVID-19), Morrison Insurance Solutions are working to ensure that we limit the impact of the situation and that our teams are available as usual and are here to answer any questions you may have...  ... Find out more

Business email compromise (BEC) attacks are one of the largest cybersecurity risks facing organisations today. In 2018, BEC accounted for 23% of cyber insurance claims received from Europe, the Middle East and Asia according to statistics released by AIG*. Furthermore, BEC has resulted in worldwide losses of at least £21 billion since 2016 according to the FBI in the USA  ... Find out more

Employers are responsible for the health and safety of their employees whilst at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. This could result in employees claiming compensation from you if they believe you are responsible  ... Find out more

Winter is here which can mean freezing temperatures and the potential for snowfall and weather warnings. Organisations of all types and sizes should have a clear plan in place on how to deal with extreme weather problems should they arise.  ... Find out more

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

As a company, we are pleased to announce that we have recently signed the Armed Forces Covenant and have therefore received the bronze award from the Defence Employer Recognition Scheme (ERS).  ... Find out more

In partnership with legal expenses insurance provider, ARAG plc., we are delighted to have developed a unique product which offers legal advice and protection to individuals who provide support to young persons under a special guardianship order.  ... Find out more

With effect from 5 August 2019 the Ogden discount rate will be increased from -0.75% to -0.25%, reducing the amount insurers will have to pay to accident claimants.  ... Find out more

Fire extinguishers are a safety provision that can sometimes be overlooked but would be the first item to locate in the event a small manageable fire broke out within your building or to aid the safe evacuation from a premises.   ... Find out more

The Financial Ombudsman Service (FOS) is an independent official body that offers a complimentary service for settling disputes between financial based companies and their customers.   ... Find out more

All businesses, large and small, have an obligation to protect themselves from online threats. Cyber Essentials is a cyber security certification scheme which helps businesses prove that they have good cyber security measures in place...   ... Find out more

If there is no European Union (EU) Exit deal and the European Commission does not make a decision ensuring that United Kingdom (UK) registered vehicles will not be checked for proof of insurance  ... Find out more

Whilst most brokers will have the knowledge and expertise to deal with day to day claims, a large loss or more complicated claim could lead to you requiring further expertise  ... Find out more

Underinsurance – A Common Problem… Being insurance brokers, we have seen many situations where a client has not had any cover and we need to sort something out last minute. We think it’s safe to say no one wants to be without cover and face the risk of  ... Find out more

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

Social Engineering is a tactic used by criminals to trick people into divulging personal or financial information. The lengths they will go to, to gather this information, has no limits.  ... Find out more

According to Which?* heating oil prices have risen by 33% between January 2016 and January 2017, with prices often being higher in the winter. This has resulted in a major hike in thefts from both domestic and commercial properties.  ... Find out more

Social media is one of the cheapest, and fastest, ways to promote your business. Have a look at our top tips for how to get the most out of social media...  ... Find out more

High-risk items such as lifts need regular inspections and an adequate maintenance programme. Legislation states that lifts need to be adequately maintained and inspected every six months, as well as keeping up a good maintenance regime.  ... Find out more

Vacant and partially vacant buildings have now become a target for fly-tipping, which can lead to property owners facing disruption and large clean-up costs. We look at how you can manage these risks at your vacant properties.  ... Find out more

From 1st April 2018 it will become unlawful to let properties in England and Wales that fall below a new ‘Minimum Energy Efficiency Standard’ (MEES).  ... Find out more

The frequency and severity of flooding in the UK has increased significantly over the past decade, with the potential to cause widespread damage and distress.  ... Find out more

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

As a result of a recent act of parliament, the Insurance Act 2015 (the “Act”), significant changes have been made to the law in relation to commercial insurance  ... Find out more

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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