• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Robison & Co

  • Home
  • Our Sectors
    • Accommodation Restaurant & Food Services
    • Breweries
    • Construction
    • Manufacturing
    • Media & Advertising
    • Not For Profit
    • Printing
    • Private Clients
    • Professions
    • Real Estate
    • Retail
    • Technology
    • Wholesale
  • Our Process
  • Why Choose Robison
  • About
    • About Us
    • Find Us
    • Our Team
    • What Our Clients Say
    • Careers
  • Blog
  • Contact Us
Client Login

Contact Us: 01730 265500
hello@robison.co.uk

Arrange An Audit

Blog

August 7, 2024 by Cicely Fry

The Affects of UK riots on the Insurance Industry

The Affects of UK riots on the Insurance Industry

As you would expect, Some insurers have already made emergency interim payments and property has been secured where needed. If alternative accommodation is required for any homeowners, suitable properties will be found.Police protecting people and buildings from rioters

The priority is to get customers back to normal as quickly as possible at this distressing time.

Some areas are still inaccessible because of the danger of buildings collapsing and police have also restricted travel in some places – some claims teams had to travel by foot or bus so they could visit commercial customers.

Insurers will also been work with the local authorities to arrange demolition of any dangerous structures so that high streets can return to normal and once buildings are deemed safe the re-building and repair work can begin.

Damage caused by riots, civil commotion or malicious damage is covered as standard in most commercial, household and motor policies, but we would urge anyone who hasn’t already been in touch to contact their insurer directly or via their broker, as soon as possible.”

 

 If your business has been affected by UK riots:

Contact your broker and/or insurer as quickly as possible.

We know your priority is to get your business up and running as quickly as possible and will do all we can to make this happen.

The amount of time this will take depends on the level of damage sustained.

 

One of our partner insurers has put together the following tips and advice for businesses where the threat of riot exists:

Protecting Staff during the UK riots:

Of paramount importance is the safety of your staff. Managers need to be vigilant and react quickly to protect their staff.

Avoid unaccompanied working

Make use of two-way radio links and personal alarms

Avoid visiting potential problem areas

 

Protecting your Property during the UK riots:

Ensure all security systems/alarms/security lighting/CCTV are on/functioning

Check existing perimeter barriers are in good repair

Inspect doors and door hardware are adequate and in good repair

Ensure accessible windows are adequately secured and protected

Keep removable grilles/shutters in position at all times

Consider temporary boarding up of vulnerable access points and windows – particularly in high risk areas

Waste and other unwanted combustible materials are a source of ignition so ensure this is kept to a minimum and safety stored.

Ensure adequate fire fighting equipment is readily available and staff are trained in their use

Remove portable objects from the open that could be used as a projectile, such as an advertising board or display stand

If you have theft-attractive stock place this within a physically robust area that would require greater time and effort to penetrate than the shell of the building

Remove attractive stock from display windows

 

Protecting your Vehicle during the UK riots:

Remove and avoid parking vehicles overnight in high risk areas and on main thoroughfares

Remove and avoid parking vehicles overnight in close proximity to buildings

 

If you are affected by a UK riot, please contact your account handler and they will aid you throughout the claims process to ensure it is resolved.

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

Filed Under: News

July 29, 2024 by Cicely Fry

Fleet Insurance for Your Business in 2024

Fleet Insurance for Your Business in 2024

Get the Best Fleet Insurance for Your Business in 2024 (Cost, Cover & Mistakes to Avoid)

Fleet insurance for businesses is crucial, because it not only protects your assets but also ensures that you comply with legal requirements. In this guide, we’ll explore how to get the best fleet insurance for your business in 2024, focusing on cost, coverage options, and common mistakes to avoid.

Why Fleet Insurance is Essential

Fleet insurance provides coverage for multiple vehicles under a single policy. This type of insurance is particularly beneficial for businesses that operate several cars, vans, or trucks. Here are some reasons why fleet insurance is essential:

  • Cost-Effective: Insuring multiple vehicles under one policy can be more economical than insuring each vehicle individually.
  • Simplified Management: Managing a single policy is easier than juggling multiple individual policies.
  • Comprehensive Cover: Fleet insurance often includes various types of cover such as comprehensive, Third party, & Third party, fire, and theft.

Understanding the Cost of Fleet Insurance

The image shows a fleet of vans that a business owns

The cost of fleet insurance can vary widely depending on several factors. Here are some key elements that influence the price:

Number and Type of Vehicles

The more vehicles you have in your fleet, the higher your premium will be. Additionally, the type of vehicles—whether they are cars, vans, or trucks—also affects the cost.

Driver History

Insurance companies will look at the driving records of all drivers who will be operating the fleet vehicles. A history of accidents or traffic violations can increase premiums.

Usage and Mileage

How often and how far your vehicles are driven can impact costs. High mileage and frequent use typically result in higher premiums due to increased risk.

Coverage Options

The extent of coverage you choose will also affect the price. Comprehensive coverage will be more expensive than Third-party but offers greater protection.

Types of Coverage Available

Choosing the right type of coverage is crucial for protecting your business assets effectively. Here are some common types of cover included in fleet insurance policies:

Third Party Cover

This covers damages or injuries caused by your vehicles to third parties. It’s usually mandatory by law.

Third Part, Fire and Theft Cover

This adds protection against fire and theft.

Comprehensive Cover

Provides cover for your fleet, including any accidental damage.

Mistakes to Avoid When Choosing Fleet Insurance

Selecting fleet insurance involves careful consideration and planning. Here are some common mistakes to avoid:

Not Comparing QuotesThe image shows a large car fleet that is owned by a garage

One of the biggest mistakes businesses make is not shopping around for quotes from different insurers. Comparing quotes can help you find better rates and more comprehensive cover options.

Ignoring Policy Exclusions

Always read the fine print to understand what is excluded from your policy. Ignoring exclusions can leave you vulnerable when filing a claim.

Underestimating Cover Needs

Opting for minimal coverage might save money upfront but could result in significant out-of-pocket expenses later on. Make sure you choose adequate cover based on your specific needs.

Failing to Update Policies Regularly

Your business needs may change over time—new drivers may join, new vehicles may be added to the fleet, etc. Failing to update your policy regularly can leave gaps in cover.

How to Get The Best Cover

To ensure you’re getting the best deal on fleet insurance for businesses in 2024:

  1. Assess Your Needs: Determine how many vehicles need coverage and what types of risks they face.
  2. Compare Multiple Quotes: Use online tools or consult with brokers to compare quotes from different insurers.
  3. Check Reviews: Look at customer reviews and ratings to gauge an insurer’s reliability.
  4. Bundle Policies: If possible, bundle other types of business insurance (like property or liability) with your fleet policy for potential discounts.
  5. Negotiate Terms: Don’t hesitate to negotiate terms with insurers; sometimes they offer better deals upon request.
  6. Implement Safety Programs: Encourage safe driving practices among employees; some insurers offer discounts if you have safety programs in place.
  7. Regularly Review Your Policy: Make it a habit to review and update your policy annually or whenever significant changes occur within your business operations.

 

Conclusion

Fleet insurance is a critical component for any business that relies on multiple vehicles for its operations. By understanding costs, exploring various types of coverage options available, avoiding common pitfalls during selection processes—and following our tips—you’ll be well-equipped to secure optimal protection at competitive rates come 2024! Remember always; safeguarding both assets & employees should remain paramount while navigating through this essential aspect within commercial ventures involving vehicular logistics & transportation services alike.

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

Filed Under: Transport Tagged With: Fleet, fleet insurance, Insurance

July 15, 2024 by Cicely Fry

Preventing Carbon Monoxide Poisoning in Businesses

Preventing Carbon Monoxide Poisoning in Businesses

Carbon Monoxide Poisoning in Businesses is an extremely important topic to be aware of, because it is a colourless, tasteless, and odourless poisonous gas, that is a by-product of the incomplete burning of carbon-containing material. This gas can quickly accumulate in areas where employees work, even if the space appears well-ventilated. Exposure to CO can cause serious health problems and even death.

Considering these hazards, it is essential that businesses take steps to ensure their workplace is safe from CO exposure. This article explores the common causes of CO poisoning in businesses, describes the signs of CO poisoning and the employees at higher risk, and provides practical steps to minimise this risk.

Carbon Monoxide gas coming out of a manufacturer
Workhouse manufacturers
Danger Carbon Monoxide

Common Causes of CO Poisoning in Businesses

The Health and Safety Executive (HSE) reports that CO is produced mainly when the burning of carbon-based fuels (e.g., gas, oil, wood, and coal) is incomplete. When the fuel doesn’t burn fully, excess CO is emitted.

Common CO sources are:
  • Faulty appliances, such as furnaces, water heaters, or gas cookers that improperly burn fuel and release CO into the workplace
  • Internal combustion engines, such as those used by many cars, lorries, forklifts, and other machines
  • Equipment and power tools like portable generators, lawn equipment, and power washers that run on petrol
When CO is present in a workplace, certain signs may be noticeable, including:
  • Streaks of soot around appliances or fallen soot inside of a fireplace
  • Excess moisture or condensation on surfaces
  • Excess rust on pipes
  • Yellow or orange flames (instead of blue) in combustion appliances
  • Water leaking from vents or flue pipes
  • Damaged or discoloured bricks on top of the chimney or an absence of an upward draft

Employees at High Risk of Carbon Monoxide Poisoning in Businesses

Many businesses have equipment, appliances, and machines that have the potential to produce CO, but employees in specific industries and roles may be at a higher risk due to the nature of their jobs. Here are examples of who may be at an elevated risk of CO poisoning:

  • Cooks and bakers
  • Blast furnace and boiler room workers
  • Mechanics
  • Welders
  • Pulp and paper producers
  • Forklift and diesel engine operators
  • Steel producers
  • Metal oxide reducers
  • Petroleum refiners

Signs of Carbon Monoxide Poisoning

When inhaled, CO displaces oxygen in the blood, which can lead to oxygen starvation in vital organs. Recognising these varying signs of CO poisoning is essential to help prevent serious injury or death:

  • Early symptoms: Early CO poisoning symptoms often mimic the flu and include headache, dizziness, weakness, nausea, and chest pain. These can be mistaken for other illnesses.
  • Severe symptoms: Prolonged or high levels of CO exposure lead to confusion, vomiting, muscle weakness, collapse, and loss of consciousness. Neurological symptoms and cardiac issues may also occur.

It is important to note that symptoms can vary by person, and some populations are more susceptible to CO poisoning, including the elderly; young children; those with pre-existing heart or long-term conditions; those who work at high altitudes; and those with anaemia, sickle cell anaemia, and elevated CO blood levels (e.g., smokers). CO poisoning also poses unique risks to pregnant workers and their unborn children.

CO poisoning can be reversed if it is caught in time, according to the NHS. However, acute poisoning may cause permanent damage to body parts that require high oxygen levels, such as the brain and heart.

Steps to Minimise CO Risks

With the severity of CO hazards, businesses need to take steps to eliminate or reduce the potential for CO-related injuries or fatalities. Measures to take include:

Ensure proper installation of equipment, appliances, or other machines that may produce CO.

This can be accomplished by following applicable manufacturer instructions, building regulations, and HSE guidance.

Conduct regular inspections.

Heating systems, chimneys, flues, and other equipment that could produce CO should be inspected annually by professionals. Air in spaces where CO may be present should also be regularly tested for the presence of the gas.

Educate employees.

Staff should be trained on CO risks, symptoms, and emergency procedures. They must also be encouraged to report any suspicious odours or symptoms, avoid overexertion if they suspect CO poisoning, and leave contaminated areas.

Check for proper ventilation.

It’s vital to ensure adequate ventilation exists in enclosed spaces where fuel-burning equipment operates and avoid running equipment that could produce CO near open doors or windows or near air intakes.

Utilise CO detectors.

CO detectors should be installed in areas near potential CO sources (e.g., boiler rooms, garages, kitchens) and routinely tested. Batteries should be replaced regularly. If an employee is at a heightened risk of CO exposure, they should be provided with a personal CO monitor.

Prohibit indoor use of diesel- or petrol-powered equipment.

The use of fuel-powered tools or equipment (e.g., generators, concrete cutting saws, high-pressure washers, floor buffers) should be prohibited indoors or in poorly ventilated areas. Where appropriate, businesses should consider alternative power supplies (e.g., batteries, electricity, or compressed air) instead of diesel or petrol-powered equipment.

Provide personal protective equipment (PPE).

Ensuring employees who work in areas with potentially high CO concentrations have access to proper PPE (e.g., self-contained breathing apparatus) and know how to use it is critical.

Emergency response plan.

Employers must develop and communicate an emergency plan for CO incidents. Such a plan should include procedures for evacuation and providing medical assistance.

 

Employers have a duty to ensure safe working conditions for their employees. Being aware of the risks of CO and taking proactive steps to eliminate or mitigate those hazards can help accomplish this goal.

 

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

Filed Under: Workplace Wellness

July 1, 2024 by Cicely Fry

Property Owners Insurance Tips For Weathering The Storm

Property Owners Insurance Tips For Weathering The Storm

In today’s changing climate, it’s more important than ever to ensure your property is well-protected against extreme weather events buy purchasing a bespoke Property Owners Insurance policy. From floods to storms, these occurrences can be unpredictable but being prepared is key. Let’s explore some Property Owners Insurance tips to help keep your property safe and secure.

English Uk property's at risk of flood
Rural English property home
English Uk property's at risk of flood

Understanding Your Property Owners Insurance Coverage

  1. Homeowners Insurance: Your standard policy typically covers common risks like fire and theft. However, it may not include coverage for floods. Consider adding specialized coverage if you live in areas prone to flooding.
  2. Flood Insurance: Living in a flood-prone area? Flood insurance is a must-have. It can be a separate policy from homeowners’ insurance but provides essential protection against flood-related damage to your property.

Mitigating Risks

  1. Regular Maintenance: Keeping up with property maintenance can go a long way in reducing risks during extreme weather. From trimming trees to clearing gutters, small efforts can make a big difference.
  2. Safety Measures: Investing in storm shutters, reinforced roofing, and smart home technology can enhance your property’s resilience. Plus, they provide early warnings and help minimize potential damage.
  3. Disaster Preparedness: Having a solid disaster plan in place is crucial. Make sure everyone in your household knows what to do in case of an emergency, from evacuation procedures to securing valuables.

Protecting Your Investment

While we can’t control the weather, we can certainly take steps to protect our properties and loved ones. With the right Property Owners Insurance coverage and proactive measures, you can weather any storm that comes your way. At Robison and Co Insurance Brokerage, we’re here to help you find the perfect coverage tailored to your needs.

Stay safe and prepared for whatever nature throws at you.

 

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

 

Filed Under: Private Clients, Real Estate

June 19, 2024 by Cicely Fry

Remote work: Navigating Insurance needs

Remote Work: Navigating Insurance Needs 

 

remote working from home
remote working from a public café
at home office for remote and hybrid working

 


Embracing Remote Work: Navigating Insurance Needs for Hybrid Work Models

Remote work has become very common as the way we work changes. Many businesses use hybrid models, mixing remote and office work. This shift is flexible and convenient. But, it brings new insurance challenges.

Understanding the Hybrid Work Environment

In a hybrid setup, employees work from both home and the office. This flexibility has many benefits. However, it also creates unique insurance issues. For example, there are cybersecurity risks and home office liabilities. Addressing these needs takes careful planning.

Cyber Insurance for Remote Employees

With remote work, cybersecurity is crucial. Protecting data and systems from cyber threats is essential. Cyber insurance helps cover the costs of data breaches and ransomware attacks. So, employees working remotely need proper cyber insurance. This protection is vital for both personal and company data.

Liability Coverage for Home Offices

As employees set up home offices, liability coverage becomes important. Homeowners’ insurance might not cover business activities at home. Thus, business owners should consider extra liability coverage. This protects against claims from accidents or injuries in home offices. It ensures that both employees and businesses are legally protected.

Employers Liability Compensation Considerations

Hybrid work complicates Employers Liability. Injuries at home can qualify but proving them is challenging. Therefore, businesses need to work with insurance providers to clarify coverage. This ensures that employees are protected, no matter where they work.

Conclusion: Securing Your Hybrid Work Environment

As businesses adopt hybrid models, addressing insurance is key. By investing in cyber insurance, securing home office liability, and clarifying Employers Liability cover, businesses can manage the hybrid work environment confidently. This ensures safety, security, and well-being for both employees and the organization.


 

 

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

Filed Under: Cyber, Office Risk Insights, Workplace Wellness

« Previous Page
Next Page »

Primary Sidebar

Latest News

  • Cyber insurance for SMEs is more essential than ever May 12, 2025
  • Health and safety at work: What every business must know April 28, 2025
  • UK business tariffs: What you need to know after the latest US changes April 14, 2025
  • Distracted driving: Protecting your people and your business March 31, 2025
  • Preventing theft and vandalism: How you can protect your business March 17, 2025
  • 2025 Insurance market trends: What businesses need to know March 3, 2025
  • The UK is unprepared for floods: How to protect your home from flooding February 17, 2025
  • Flood Damage Insurance Claims: What You Need to Know Post-Storm Herminia February 3, 2025
  • Employee attraction and retention trends in 2025: Well-being at the core January 20, 2025
  • Your 2025 Guide to Understanding Your Insurance Policy January 6, 2025
  • Home protection during Christmas: keep your property secure December 16, 2024
  • Winter road safety tips: keeping safe and prepared this season December 2, 2024
  • 3 Misconceptions about business interruption loss you need to know November 18, 2024
  • Is Your Commercial Property Underinsured? Here’s 5 Ways to Protect Your Business November 4, 2024
  • Shield Against Rising SME Threats This Cybersecurity Awareness Month October 21, 2024

Footer

Our Address

Robison & Co Ltd
6 Rotherbrook Court
Bedford Road
Petersfield
Hampshire
GU32 3QG
Policies

Terms of Business Agreement - Commercial
Terms of Business Agreement - Consumer
Privacy Policy
Cookie Policy
Contact Us

Phone: 01730 265500

Email: hello@robison.co.uk

Commercial Booking Page

Personal Lines Booking Page

Customer Contact Request Form

Mon-Fri: 9:00 until 17:00
News Items

____

  • Cyber insurance for SMEs is more essential than ever
  • Health and safety at work: What every business must know
  • UK business tariffs: What you need to know after the latest US changes
  • Distracted driving: Protecting your people and your business
  • Preventing theft and vandalism: How you can protect your business
Please follow & like us :)

 

Twitter
 British Insurance Brokers' Association (BIBA)

Authorised and Regulated by the Financial Conduct Authority       Robison & Co Ltd       Registered No. 4663937 England


Copyright © 2025 · Robison & Co Ltd Petersfield Hampshire · Built & Managed by THP Consulting