We all know the ongoing risk that cybercrime is in our lives. With so many people tying their entire lives to their smartphones, that risk continues to go up as all your important information is linked together on one small device that fits in your pocket. There are many simple steps that you can take to prevent cyberattacks.
The global COVID-19 pandemic has had a dramatic impact on many industries. Though some businesses have managed to keep operating throughout the pandemic, many have been forced to close their doors for the duration.
Now, with quarantine restrictions relaxing and many businesses being in a position to begin to reopen, there are many considerations and precautions to be weighed up.
Following the announcement on Monday evening (23rd March 2020) by the government that all non-essential retail businesses with premises should close their physical doors, we believe we should draw your attention to the Unoccupied clause that will be in all Commercial Insurance policies covering operating premises.
It seems that there has been an unusual number of natural disasters in the last two years or so. Hurricane Maria hit the Caribbean in September, while an earthquake in Mexico killed more than 200 people. Hurricane Irma and Hurricane Harvey were also massively destructive in different areas of the US. In other parts of the world, floods and landslides in Sierra Leone and monsoon flooding in Bangladesh were particularly dangerous. Most recently, deadly wildfires have destroyed areas outside of Athens.
Home insurance is a very versatile type of cover, with a multitude of add-ons available to ensure you’re protected from a range of issues and problems. Home emergency cover, accidental damage, and even downloads insurance can all be added to home policies to provide robust protection. One home insurance add-on that many people tend to overlook is legal expenses cover. This type of cover can help ensure you’re covered if you need to go to court for any private legal reason.
A mixed-use property (residential and commercial) is technically classed as a commercial investment, which means it escapes the new tax changes that have affected residential buy-to-lets. Commercial yields also tend to be higher, with longer, more secure leases that guarantee a return for a fixed time.