Latest News
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Our Christmas opening hours 2020
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 ...
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COVID-19 - Frequently Asked Questions
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). ...
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Spotting Coronavirus scams and how to deal with them
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. ...
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Coronavirus (COVID-19) - Business Continuity Plan
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... ...
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Business Email Compromise (BEC)
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 ...
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What is Employer’s Liability Insurance?
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 ...
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Planning for Extreme Weather
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. ...
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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 ...
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Armed Forces Covenant
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). ...
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Cyber Essentials Certification
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... ...
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Loss Recovery Cover
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 ...
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Case Example - Underinsurance
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 ...
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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 ...
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What is Social Engineering?
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. ...
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Theft of heating oil
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. ...
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Dangers of an inadequate lift inspection regime
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. ...
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New landlord energy rules
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). ...
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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 ...
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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 ... ...
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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 ...
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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. ...
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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... ...
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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 ...
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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... ...
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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 ...
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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... ...
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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... ...
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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... ...
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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... ...
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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... ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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
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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... ...
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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... ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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 ...
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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
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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 ...
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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 ...
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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 ...
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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 ...
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