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 […]
The Hidden Risk of Underinsurance for UK Businesses in 2025
Why now is the time to act – an update from our news article from last year. As a UK-based insurance broker, we at Munro-Greenhalgh continually emphasise that securing cover is only part of the equation — being adequately covered matters even more. The issue of underinsurance remains a pervasive, often hidden threat for small […]
Here are seven key 7 reasons not to buy cyber insurance
Explore 7 reasons not to buy cyber insurance, including common misconceptions and risks. Essential reading for UK SMEs reviewing their cyber protection.
Citroen “STOP-DRIVE” air-bag recall – why it matters for your insurance
Citroën UK (now part of Stellantis) has issued an urgent stop-drive notice for 2009-2019 Citroën C3 (2nd generation) and DS 3 (1st generation) models fitted with Takata front-driver airbags. If the recall code NQ3 appears when you run your VIN through the official checker (see here), you must immediately park the car and arrange a […]
Is Your Business Exposed? The Hidden Risks You Might Be Overlooking
Protect your business and senior team from legal claims with management liability insurance. Cover directors, officers and the company against wrongful acts, employment tribunals and regulatory investigations.
Protecting the most important asset – You and your staff – part 2
Private Medical Insurance In today’s fast-paced business environment, the most valuable asset any company possesses isn’t its technology, premises, or intellectual property – it’s its people. Employees drive innovation, deliver services, and represent the business to your customers. Looking after their health and wellbeing isn’t just a moral responsibility – it’s a strategic investment. One […]
Protecting the most important asset – You and your staff – part 1.
In today’s competitive UK business landscape, your employees are your most valuable asset — but what if they’re injured at work or travel abroad for business and something goes wrong? Our group personal accident & travel insurance gives you the peace of mind to protect your people and your reputation.
Home Insurance – Are premiums still increasing?
In May 2024 we shared the depressing news that that the average cost of home insurance rose by 31% for the previous year! So what is the position now? Rising Costs and Inflation According to the latest Consumer Intelligence Home Insurance Price Index, the average quoted price of home insurance increased by 41.6% in the […]