Robison & Co

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Winter road safety tips: keeping safe and prepared this season

Winter Road Safety Tips: Keeping Safe and Prepared This Season

Winter has arrived, making winter road safety tips crucial for staying safe on the roads. With icy surfaces, unpredictable weather, and greater risks for drivers, being prepared and informed is essential. Thankfully, winter driving doesn’t have to be stressful when you’re equipped with the right tools and strategies. Let’s explore how to stay safe during this challenging season.

Why Winter Road Safety Tips Matter

Winter driving presents unique challenges. Snow, ice, and reduced visibility significantly increase accident risks, often leading to costly damages. Reports reveal that icy conditions cause a considerable number of vehicle incidents each year. For those with high-value vehicles, the financial stakes rise even further. Consequently, preparing now not only saves time but also reduces stress and potential expenses in the long run.

The Risks You Face on Winter Roads

Driving in winter creates hazards that can impact both safety and finances:

  • Icy roads reduce traction, leading to skids or collisions.
  • Snow and fog obscure visibility, making potential dangers harder to detect.
  • Breakdowns in freezing weather can result in high recovery costs and inconvenience.

By fully understanding these risks, you can make informed decisions to protect yourself, your family, and your assets. Moreover, preparation helps you avoid preventable accidents and ensures smoother journeys.

Practical Winter Road Safety Tips

Prepare Your Vehicle for Winter

Taking proactive steps to prepare your vehicle improves safety and reduces risks:

  • Fit winter tyres to increase traction on icy roads.
  • Check your battery, lights, and windscreen wipers for reliability.
  • Keep an emergency kit in your car, including blankets, de-icer, torches, and a first-aid kit.

Plan Your Winter Journeys

Good planning ensures safer and less stressful winter trips:

  • Monitor weather updates regularly from reliable sources like the BBC.
  • Avoid unnecessary travel during severe weather warnings whenever possible.
  • Share your travel plans with family members to ensure someone knows your route.

Adopt Safe Driving Practices for Winter Roads

Adapting your driving style helps reduce the risks of accidents:

  • Drive at slower speeds and increase stopping distances for safety.
  • Avoid sudden braking or sharp turns, which may cause skidding.
  • Use dipped headlights in fog to improve visibility without dazzling others.

Bespoke Solutions for Peace of Mind

At Robison & Co, we understand that staying safe isn’t just about preparation. It’s also about comprehensive protection. That’s why we provide bespoke insurance policies tailored to meet your unique needs. These policies offer full cover for high-value vehicles. Whether it’s addressing damages from a collision or protecting against weather-related damage, our solutions deliver security and peace of mind.

What truly sets us apart is our unwavering commitment. With years of expertise, we provide trusted guidance and advice. However, we don’t just offer insurance, we offer a family. Like a family, we stand by you every step of the way. If the unexpected happens, you won’t face it alone. We’ll support you through every stage of the process with care and understanding. Trust us to handle the stress while you focus on what matters most.

With Robison & Co, you can confidently navigate winter’s challenges. Knowing unexpected events won’t cause unnecessary financial strain, you can drive with peace of mind. We work closely with you to understand your specific needs and provide tailored solutions that keep you fully protected.

Ready to protect your business against the unexpected? Click one of the contact options below to discuss how business interruption loss insurance can keep you covered when it matters most.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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3 Misconceptions about business interruption loss you need to know

3 Misconceptions About Business Interruption Loss You Need to Know

Business interruption insurance is crucial for keeping businesses protected when unexpected events force operations to pause. Yet, this type of cover is often misunderstood, leading many business owners to overlook its benefits. Let’s address three common misconceptions so you can feel confident in how it can protect your business.

Misconception #1: Only big disasters trigger loss from interruption

Many believe that only major disasters like floods or fires trigger the cover. But in reality, even smaller incidents can lead to serious downtime for your business. For instance, a small fire or a burst pipe can disrupt operations significantly, requiring time for repairs.

Even if it’s not a large-scale disaster, this type of cover can step in to compensate for lost income, helping your business through temporary closures.

Takeaway: Even minor incidents can impact your business. Ensure you’re covered.

Misconception #2: My property insurance covers business interruption loss

Another common misunderstanding is that property insurance alone will cover all interruption-related losses. While property insurance is essential for repairs, it doesn’t cover lost income if your operations must pause. Property insurance takes care of replacing damaged equipment or repairing the building itself.

However, only business interruption insurance compensates for lost income during downtime, covering essential costs like rent, payroll, and other operational expenses.

Takeaway: Property insurance covers repairs, while business interruption insurance covers lost income. Both are essential.

Misconception #3: Natural disasters are the only events that cause interruption loss

Some business owners assume that only natural disasters trigger interruption loss cover. However, this is far from true. The cover also applies to other significant disruptions, such as cyberattacks, supplier issues, or machinery breakdowns.

For example, a cyberattack could lock your systems, while a critical machine breakdown could halt production. In these situations, business interruption insurance compensates for the income lost until your business is fully operational again.

Takeaway: The cover protects you from far more than natural disasters, ensuring that your business can recover from a variety of disruptions.

Protect Your Business Against Interruption Loss

Understanding these misconceptions can help you make informed decisions about the cover your business truly needs. The cover offers vital protection that goes beyond property repairs, covering the financial impact of lost income. By knowing the full scope of this cover, you can keep your business resilient during unexpected interruptions.

Ready to protect your business against the unexpected? Click one of the contact options below to discuss how business interruption loss insurance can keep you covered when it matters most.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Is Your Commercial Property Underinsured? Here’s 5 Ways to Protect Your Business

Is Your Commercial Property Underinsured? Here’s 5 Ways to Protect Your Business

Is Your Commercial Property Underinsured? Here’s 5 Ways to Protect Your Business

Whatever your business, the building that houses your operations plays a crucial role in your success. But what happens if disaster strikes and your commercial property is underinsured, leaving you with inadequate coverage to handle the damage? Nearly half of UK commercial properties are underinsured, leaving many business owners unaware and vulnerable to significant financial risks.

Navigating insurance complexities can feel overwhelming. That’s why we’re here to guide you, helping ensure your commercial property has adequate insurance so your business stays fully protected.

Underinsured Commercial Property Puts Your Business at Risk

When you insure your property for less than its true rebuilding or replacement cost, you risk paying out-of-pocket for repairs or reconstruction after an incident. This situation places unnecessary financial pressure during an already critical time.

In recent years, rebuild costs have risen dramatically due to increasing material and labour expenses. Yet, many business owners haven’t updated their policies. Inflation, outdated property valuations, and a general lack of awareness all contribute to underinsurance.

Robison & Co Can Help

At Robison & Co, we work to help businesses like yours avoid the pitfalls of underinsured commercial property. With our expertise, we ensure you have the right cover, giving you peace of mind that you’re fully protected.

How to Avoid Underinsured Commercial Property

Here are five ways to prevent underinsured commercial property:

  1. Get Regular Property Valuations
    Accurate and regular valuations ensure you’re insuring your property for its current value, not an outdated one. A professional valuation will reflect the real cost of rebuilding or repairing your property.
  2. Insure for Rebuilding Costs, Not Market Value
    Many business owners confuse market value with the cost to rebuild. These two figures often differ significantly, so base your cover on rebuilding costs.
  3. Adjust for Inflation
    Inflation impacts everything, including material and labour costs. Review your policy annually and adjust your sums insured to align with current economic conditions, ensuring your cover grows with the market.
  4. Set an Appropriate Indemnity Period
    When selecting business interruption insurance, choose an indemnity period that allows your business enough time to fully recover. If the period is too short, you may face exposure if rebuilding takes longer than expected.
  5. Regularly Review Your Policy
    As your business evolves, your insurance cover should adapt as well. Whether you expand, relocate, or upgrade your property, keep your insurer informed. Regular reviews of your policy help ensure continued protection.

Protect Your Business with Robison & Co

The risks of underinsured commercial property are real, but you can avoid them. Robison & Co helps you make informed insurance decisions so you’re not left unprotected when it matters most. Our experienced advisers work closely with you to assess your needs and ensure your commercial property has the right cover.

Don’t wait until disaster strikes. Contact us today to work with one of our expert brokers, and make sure your business is properly protected.

Peace of Mind and Financial Security

By partnering with Robison & Co, you’ll gain peace of mind knowing your insurance covers repair or rebuilding costs. Not only will you avoid financial loss, but you’ll also safeguard your company’s future.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

 

*All Images are taken from Unsplash

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Shield Against Rising SME Threats This Cybersecurity Awareness Month

Shield Against Rising SME Threats This Cybersecurity Awareness Month with Cyber Insurance

Cybersecurity awareness month

October marks Cybersecurity Awareness Month, a crucial time to reflect on the growing risks you’re facing from cyber threats.

Cyber threats are increasing rapidly, both in numbers and severity. With cybercrime rates rising, it’s essential to understand these dangers. It’s not just large enterprises at risk; businesses of all sizes are now targets.

This escalating risk demonstrates the critical need for cyber insurance and security measures. Regularly reviewing these measures ensures your business stays fully protected. To support you, we’re offering a FREE, no-obligation cyber risk assessment. Contact us using the options at the end of this blog, and we’ll help you to identify areas of your business in need of extra protection.

Why Your Business Needs Cyber Insurance

Nearly all businesses now rely on technology in some way, whether it’s for payments or storing sensitive data. With so much online, the risks grow. The more we depend on technology, the more exposed we become to cyber threats.cyber criminal attacking a businesses security

Cybercriminals are evolving just as quickly as technology. They’re getting more creative with every passing day, leaving all businesses vulnerable. Attacks on SMEs have been rising, with 60% of SME’s targeted by cyber-attacks in 2023. Many companies were caught unprepared because they never expected to be targets.

The financial impact of a cyberattack can be devastating. This makes having the right cyber insurance more important than ever. Cyber insurance covers the costs of data breaches, legal fees, income loss, and more. It offers numerous benefits, helping your business recover quickly and minimising the damage — financial and otherwise.

Common Cyber Threats You Could Face

Your business faces unique cyber risks, but some threats are more common than others:

  • Phishing – Cybercriminals use phishing emails to trick employees into providing sensitive information or downloading harmful software. This grants them access to your data, devices, and/or systems.
  • Ransomware – Ransomware locks a company out of its systems, demanding payment before restoring access. Operations often grind to a halt until the ransom is paid.
  • Data Breach – When cybercriminals steal client or employee information, it can lead to legal trouble, loss of trust, and reputational damage.

How Cyber Insurance Protects You

Cyber insurance serves as both an operational and financial safety net. Here’s why it’s essential:

  • Financial Cover – Cyber insurance steps in to cover the significant costs associated with cyberattacks, keeping your business financially secure.
  • Data Recovery & Restoration – Recovering your data and systems is crucial after an attack. Cyber insurance covers the process, helping your business to bounce back quickly.
  • Third-Party Liability – If client data is exposed during a breach, cyber insurance can cover legal fees and compensation, easing the financial burden.

Be Proactive This Cybersecurity Awareness Month

Cybersecurity Awareness Month isn’t just about recognising the risks — it’s about taking steps to protect your business. Prevention is always better than cure, and cyber insurance ensures you’re ready for the worst.

Now is the perfect time to reassess your current cybersecurity measures. Make sure your business has the right cover in place to stay protected. To support this effort, we’re offering a FREE, no-obligation cyber risk assessment!

Contact us using the options below, and one of our expert brokers will run a cyber risk assessment for your business. We’ll help improve your security and ensure you always remain protected.

 

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk

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Professional Indemnity Insurance – A Guide for Small Businesses

Professional Indemnity Insurance: A Guide for Small Businesses

Professional Indemnity (PI) insurance is essential for small businesses, especially those that offer professional services or advice. It helps protect your business from claims of negligence, errors, or omissions that might arise from the services you provide. Let’s explore why PI insurance is so important and how it can protect your business from serious risks.

Why Professional Indemnity Insurance Matters

PI insurance protects your business by covering legal defence costs and any damages if someone sues you for professional negligence. For example, imagine an IT consultancy that implemented a software solution, but it failed and caused financial losses for their client. Thanks to their PI insurance, they could cover the legal fees and compensation, avoiding what could have been a business-ending situation.

Case Study Example: Legal Services

In another case, a law firm found themselves in trouble after giving incorrect legal advice. Their client suffered financial losses and decidedProfessional Indemnity Cover for legal service providers

to sue. Fortunately, the firm’s PI insurance covered the costly legal fees and the compensation awarded to the client. This example shows how critical it is to have solid PI insurance in place to safeguard your business from unexpected mistakes.

Key Elements of PI Insurance

  • Cover for Legal Costs: Legal fees can be significant, even if a claim against you is unfounded. PI insurance covers those costs, so you can defend your business without financial strain.
  • Compensation Payments: If your business is found liable, PI insurance pays for the compensation, protecting your business’s financial health.
  • Breach of Confidentiality: If a client claims that you breached confidentiality, PI insurance helps cover those claims. This is especially important for businesses handling sensitive information.
  • Defamation: PI insurance also protects your business from defamation claims, such as libel or slander. This is crucial for businesses in media, marketing, or public relations.

Choosing the Right PI Insurance

Choosing the right PI insurance starts with understanding your business’s unique risks. Robison & Co offers tailored PI insurance solutions for various industries, ensuring that you get complete protection. Don’t forget to review and update your policy regularly, especially if your business operations change.

To discuss a new policy, or current policy  please get in touch with us via one of the options below!

Book a call        01730 265500        Contact request form        hello@robison.co.uk