A small café in Leeds faced burst pipes during a cold snap. Water damage shut them down for three weeks. The closure cost them over £12,000 in lost revenue.

A hair salon in Birmingham was hit by ransomware that locked their booking system for two weeks. They lost over £7,000 in missed appointments and were forced to pay for IT recovery. Their basic business insurance didn’t cover cyber incidents.

Imagine waking up to find your ground floor under six inches of water after a sudden downpour. For a couple in Oxfordshire, this nightmare became reality when a flash flood overwhelmed their home - ruining flooring, electrics, and furniture in minutes.

Regulators are pushing insurers and lenders to dig deeper into physical climate risks like flooding and storms - and it could affect the cost and availability of your cover. In short: where you live could soon determine whether you can get insurance - or pay far more for it.

Cyber threats aren't just affecting big corporations anymore - recent stats show 42% of UK small businesses have suffered a cyber breach in the past year, and 67% of medium-sized ones are now experiencing attacks too. That’s nearly half of the market. If you handle any data - client info, payments, emails - you’re squarely in the crosshair

From Marks & Spencer to the Co‑Op, UK retailers have been hit hard by cyber attacks - some costing hundreds of millions and disrupting services for weeks. But it’s not just big business at risk. If your organisation handles transactions or customer data, you could be next.

The UK's weather is getting weirder — hotter, wetter, wilder. And for insurers, that’s a major headache. From flash floods in Yorkshire to heatwaves warping rail lines in London, claims are rising fast. If you're a homeowner or business owner, here's why climate change could make insurance harder to get — and more expensive.

If you're a property developer or lender, you’ve probably hit roadblocks when trying to secure insurance policies with specific lender clauses. Words like Co-Insured, First Loss Payee, Joint Names, Non-Vitiation, and Contractors All Risks (CAR) often stop quotes in their tracks. Here’s why — and how we solve it.

Averaging Clause- Don't let this insurance clause impact on any potential claims you have. With 8 in 10 properties uninsured according to BCIS just make sure you are covered correctly

Navigating Storms & Floods - Some top tips from Insurance-Desk on how to make sure you and your property and business is protected in 2024 and beyond.