Our most recent news.
Storm Names
A-Z of UK Storm names... What name would you pick? Here are the UK’s official storm names, which will see us through winter as announced by the [...]
Account Executive Vacancy
Exciting Career Opportunities at De Novo Risk Solutions We are expanding and we are looking for talented and enthusiastic professionals to join our friendly team!
Flood Resistance
You may need to consider upgrading your property to defend it from the risks associated with flooding. So improving the walls, floors, drains and service intakes could be measures you take to ensure that your property can cope in the event of a flood.
Flood Cover for Commercial Businesses
At De Novo Risk Solutions Limited we are reflecting on the destructive storms that occurred in 2016 and the impact they had on some businesses we are also looking at the new flood insurance schemes to help small businesses stay afloat.
Storm – General Maintenance
It may come as a surprise that according to research conducted by the Met Office, windstorms caused greater insured losses across Europe in the winter of 2013/14 than flooding.
How Much Liability Is Enough?
The cost of a serious injury or third party property damage for which you are found liable could be more than you think. Damages for personal injury [...]
Reducing the impact of storm damage
Reducing the impact of storm damage. Be Prepared...
Flood Plan
If your flood risk assessment indicates that the property may be at risk, a flood plan should then be drawn up to include the following:
Liability
Liability It has been a difficulty for some years in deciding who was an employee. The HSE has recently issued guidelines 1 that they would use in [...]
The Collapse of Carillion
With the fallout of Carillion’s collapse continuing, we thought we should reemphasise the importance of trade credit insurance The recent demise of Carillion demonstrates that no matter [...]
Data Protection Policy
Policy The General Data Protection Regulations 2018 focuses on looking after the privacy and enhancing the rights of the individual and based on the premise that consumer [...]
What happens after a major incident?
We all know that the modern business environment is highly competitive. If you are unfortunate enough to suffer a major incident or interruption then it will be a challenge for you to continue to satisfy your clients and remain in business.
Should VAT be included in rebuild costs?
One of life’s great unanswered questions: Should VAT be included in rebuild costs?
WHICH COMMERCIAL BUILDINGS ARE MOST LIKELY TO BE UNDERINSURED?
Analysis of the findings of almost 4,000 rebuild cost assessments carried out by Insurtech start up RebuildCostASSESSMENT. com also revealed that while underinsurance becomes less likely as sums insured increase, the overall picture is one of widespread inadequacy of cover.
Cyber Insurance
Unlike healthcare and financial services organizations who regularly handle personal information, some professional services providers like engineers have been slower to adopt cyber insurance policies, assuming their risk is fairly limited.
Claims Management
We understand a loss, damage or injury may occur which is when a claim will result.
Business Interruption
The most recent (2017) survey of Declaration Linked Business Interruption insurance by the Chartered Institute of Loss Adjusters (CILA) highlighted the ongoing concerns of underinsurance in Business [...]
A Guide to Credit Insurance
With the uncertainty of trade now and in the next few years, Credit Insurance should be a serious consideration around many board meetings. Real stress will be [...]
Cyber Insurance
Unlike health care and financial services organizations who regularly handle personal information, some professional services providers like engineers have been slower to adopt cyber insurance policies, assuming [...]
Non Negligent Liability (6.5.1)
Arranging insurance where you have not been negligent may seem rather unusual, but depending on the type of Contract you are undertaking and as the property owner, [...]
4 Steps To A Healthier Workplace For A Small Business
Aches, pains and illness for employees can all affect productivity for businesses. For a small and medium-sized Enterprise (SME), it only takes as little as one person [...]
Which Commercial Buildings Are Most Likely To Be Underinsured?
Almost three-quarters of commercial buildings with sums insured of £500,000 or less are underinsured, according to new data from rebuildcostassessment.com. Analysis of the findings of almost 4,000 [...]
Should VAT Be Included In Rebuild Costs?
Introduction One of life’s great unanswered questions: Should VAT be included in rebuild costs? Are we alone in the universe? Who shot JFK? Is time travel possible? [...]
Directors & Officers Liability
Imagine you have the opportunity to invest £100,000 for your company, with a 70% chance of providing a 20% return within five years. Do you decide to go for it?
Storm Damage
There’s no single policy to cover storm damage, but damage caused by storms is one of the risks that can be covered by a number of business and landlord insurance covers.