Recent content by PhilWarman

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    Liability Insurance

    I think you've done the right thing Sarah. I suggest you to get a copy of the public liability schedule just to cover yourself.
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    Liability Insurance

    It depends if he supplies his own tools and materials...if he does then he needs his own Liability cover, if not then the main contractor should cover him as a "Labour Only sub-contractor"
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    Sending parcels - courier insurance!!!

    You have to remember that they are NOT insuring the GOODS. They are insuring their legal liability in case the delivery is lost/stolen/damaged etc. Anyone sending goods by whatever means should investigate Marine Cargo Insurance (and no it doesnt have to be going overseas) - this covers the...
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    Shops insurance massive hike in premium

    In all my years, I have only ever seen a couple of insurers doing "free" direct debit and that's normally on large premiums. As Paul, Lockyer and The Guru say, everybody charges and the reason some instalment charges have gone up is due to base lending rates from these companies increasing. I...
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    Public Liability Insurance

    Does she "need" it - i.e is it a legal requirement - No its not. If she was employing people then she would need to take Employers Liability cover and that comes along with Public Liability. I agree that you can sometimes take these things to the extreme, but for the small premium this would...
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    Indemnity insurance, time verification and clients

    As ever - I agree with Paul!
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    A meeting with Harrods

    Who says there is no good news in the business sector at the moment! Well done and keep up the good work
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    Do I need to ensure contractors have business use on own car insurance?

    Yes - ask them to complete a simple form stating insurance cover in place and ask them to supply a copy certificate proving cover.
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    Business Insurance - who to go with?

    Not really Post Office - I think its done by Heath Lambert (now Gallagher Heath) who are a big global broker.
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    Business Insurance - who to go with?

    Find a local broker to you on www.biba.org.uk Not all about price - a broker will research a number of options for you unlike direct insurers who only have 1 product and will not give you advice!
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    Vehicle wrap and insurance?

    Make sure you have the correct class of use for what you are doing. And remember that in the event of a claim (total loss or just damage) I doubt the insurer will contribute towards re-wrapping the vehicle..
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    Business Insurance ????

    I can help, we're a top 50 UK commercial insurance broker. PM me with contact details and I will get in touch.
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    Hello everyone in the south west

    Welcome along
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    Need to appoint an SEO company - what questions to ask?

    From what I have learnt in another forum - validation is the key. Ask them for clients you can speak to where their work has paid off, if they can't then caveat emptor.
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    Tax Investigation Insurance - essential for a Ltd. Company?

    It may be areas that you don't need at present but who knows if you may need some employment advice or something in the future. The cost seems similar to that charged by accountants just for the investigation cover. Have you never been offered this at renewal time?
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