Indemnity insurance

Indemnity insurance: Don’t under insure your industrial machinery

Do not assume your indemnity insurance policy covers your industrial machinery and any customer’s assets in storage which may be under refurbishment. This is the main message from this article. You must check you have the maximum cover you will need for your business in the event of a fire, flood or other incident that … Read more

Salt

Salt tests may indicate rising damp

Certain salts, nitrates and chlorides are left behind when soil water evaporates (rising damp) on the surface of walls. A meaningful analysis can be carried out provided plaster on a wall has not been disturbed for several years. Rising damp can be caused by a missing damp proof course but it may be due to … Read more

Environment Agency

Assess your flood risk and plan ahead

Your property may be affected by a flood during a storm or because of surface water flooding when the drains can’t cope with the amount of rainfall. Surface water can affect anywhere, not just areas near rivers or the sea. Urban areas with high-density housing and lots of concrete are the most susceptible to surface … Read more

fire damage

Fire damage threatens a pub wedding

An electrical fault caused fire damage and smoke damage that required ozone, to the main bar area at the grade II listed Leicester Arms Hotel in Penshurst, Tonbridge on Friday 28th September. This was three working days before a scheduled wedding reception was due to take place at 3pm on Thursday 04 October. Management at … Read more

construction

Don’t wait for a construction accident, promote health and safety today

Your construction workplace needs to be safe from hazards to prevent accidents but your responsibility as an employer is much greater than that. You need to take all reasonable steps to promote health and safety and prevent harm. If you work in construction or offer commercial cleaning services like Charles Piton Ltd, your team will be … Read more

accidental damage insurance

Commercial insurance must include accidental damage insurance

Commercial insurance must include accidental damage which covers all accidents to property and people that occur by chance at work on commercial premises. This will form part of a commercial insurance package and sits alongside employer and public liability insurance. Personal accident insurance relates to individuals and often results in compensation for damage or death … Read more

building insurance

Arrange building insurance before property exchange

You get a call from your estate agent saying your property exchange has been successful. You are told to arrange building insurance. Completion will take a few weeks and your agent will be in touch when you can come into the office to collect the keys. Two weeks later you get the keys and pop … Read more

empty property

Empty property is dangerous

Each year there are around 9000 fires in empty properties and 22,000 non-residential fires. Empty premises are also at risk of water damage due to inadequate maintenance/repairs, especially when coupled with infrequent site visits. Owners have a legal ‘duty of care’ to third parties such as authorised people entering the premises, whether they are employees, … Read more

property management

Commercial property management – is it good or bad?

A property management company is an intermediary between landlord and tenant. Residential leaseholders in blocks of flats tend to have a managing agent looking after their property but businesses use them too. If your premises are damaged by a fire or flood, a commercial property management agent should be able to help because maintaining the … Read more

Accreditations & Memberships

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