OCIP & Joint Names Insurance UK: Hidden Risks for Subcontractors (Excess & Insurance Gaps Explained)
What Subcontractors Really Need to Know Most commentary on Owner Controlled Insurance Programmes (OCIPs) and Joint Names insurance focuses on the benefits to employers and main contractors. But for small and medium-sized subcontractors working on these projects, the reality can be very different. While these arrangements can open doors to larger projects, they can also […]
Lithium Battery Fire Risk UK | Safety Advice for Homes & Businesses
Safety Guidance for Homes and Businesses Lithium-ion battery fires are rising rapidly across the UK, creating a growing risk for both households and SME businesses. The recent devastating fire in Glasgow has again highlighted this risk. These batteries power many everyday devices including smartphones, laptops, e-bikes, power tools and electric vehicles. While generally safe when […]
Desktop vs Site Rebuild Cost Assessments | Munro-Greenhalgh
Do You Really Know What Your Building Would Cost to Rebuild? One of the most common issues we see in commercial and residential property insurance is inaccurate rebuild sums insured. The problem isn’t usually deliberate — it’s simply that property owners don’t always understand how rebuild costs are calculated, or when a more detailed assessment is […]