Category: Liability


Ready to reopen? Guidance for UK pubs and restaurants
April 5, 2021

Ready to reopen? Guidance for UK pubs and restaurants

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Ready to reopen? Guidance for UK pubs and restaurants Re-opening pubs and restaurants after lockdown can’t be treated as standard. Proprietors and managers need to look at this as though they are opening for the first time, with a particular emphasis on health and safety.   Hospitality businesses have faced a difficult time, following months of compulsory closures…

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Ascend 2021 liability insurance masterclass
January 25, 2021

Ascend 2021 liability insurance masterclass

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Liability Insurance – Masterclass   “Any One Occurrence” or “in the Aggregate” Liability Policy Limits   Cover under a public/products or employers’ liability policy is underwritten on an “any one claim” basis. Professional indemnity is generally offered on an “in the aggregate”, meaning the total limit throughout the duration of the policy.   It is…

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The recent COVID -19 High Court ruling
September 22, 2020

The recent COVID -19 High Court ruling

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The recent COVID -19 High Court ruling. This provides some clarity for customers’ business interruption claims caused by COVID-19 pandemic. The Background Following interruption to businesses due to the pandemic, insurers were showing inconsistency in dealing with claims. Many business interruption covers only provided property damage cover. However, some policies had infectious disease extensions or…

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Subcontractors – The difference between LOSC and BFSC
June 3, 2020

Subcontractors – The difference between LOSC and BFSC

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The insurance definition of BFSC & LOSC is different to the HMRC definition. Ensure you have the correct procedures in place to ensure your insurance policies respond in your time of need. Whilst it is difficult to provide an accurate definition (as the law does not provide one), it is important try to correctly determine…

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Managing Your Exposures – Sport & Leisure Industry
May 22, 2020

Managing Your Exposures – Sport & Leisure Industry

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Managing Your Exposures – Sport & Leisure Industry Some risks are common to all in the sector property and casualty exposures for risks such as fire, flood or slips & trips – liability. Also, Business Interruption is a big consideration for those with a reliance on a specific location – for example a Hotel or…

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GAP Insurance is still important
May 18, 2020

GAP Insurance is still important

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Gap Insurance is still important A third of drivers say having access to a car is more important than ever following the Coronavirus outbreak. A third of drivers say they’re more reliant than ever on having access to a car. The research from the RAC underscores the increasing reliance many drivers have on their cars…

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UK bosses could face a wave of Coronavirus-related claims
April 28, 2020

UK bosses could face a wave of Coronavirus-related claims

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UK bosses could face a wave of coronavirus – related Directors & Officers claims Administrators, managers, and directors of any company, regardless of its size or activities, shoulder significant responsibilities in relation to the way they conduct themselves and justify the trust placed in them. This may result in claims against them for actual and…

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Ascend & Hiscox launch free Leakbot system
February 7, 2020

Ascend & Hiscox launch free Leakbot system

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In conjunction with Hiscox Insurance company we have launched a new incentive for all existing customers with a Hiscox home policy with Ascend. All existing policyholders can claim a free LeakBot (RRP £149) and start protecting your home against the damages caused by hidden water leaks today The average cost of claims for water damage…

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Insurance Times Awards Double Win
November 30, 2019

Insurance Times Awards Double Win

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Ascend crowned gold winner in Customer Champion of the Year 2019 and bronze in Independent Broker of the Year The Insurance Times awards are often referred to as the Oscars for the general insurance industry and this year the ceremony took place at the spectacular Grosvenor House Hotel in London’s West End on 22nd November…

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Some Key Benefits of using an Independent Broker
September 22, 2019

Some Key Benefits of using an Independent Broker

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1. A logical option One of the gripes people find with insurance bought online is that it doesn’t actually cover you the way you want it to. When you get a quote online, think about the information you provide. Does it encapsulate your requirements? How can a quote be provided in such little information? An…

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