As an owner, director, or officer of a company, you’re at the top of your game. You are likely faced with a multitude of decisions every day in the course of your work, but if someone thinks you’ve erred in your judgement, they can sue you as an individual. That means you could face criminal […] The post Why Directors and Officers Require Liability Insurance appeared first on OBF ..read more

Setting up work as a practising therapist is both exciting and daunting. In order to ensure you can provide professional care to the highest standard, you will need to take out specific therapist’s or counsellor’s insurance, but what does this entail and why do you need it? WHY DO YOU NEED THERAPIST’S INSURANCE? Practising as […] The post What Types of Counsellors and Therapists Insurance Do You Need? appeared first on OBF ..read more

If you’re building or renovating an innovative property – whether that’s an ultra-modern steel construction, a peat-walled eco-home, or a timber-framed listed building – you will probably need non-standard home insurance. In this article, we explain why specialist insurance is a must for those living in a property constructed from innovative building materials.   WHAT […] The post Why Innovative Buildings Require Non-Standard Home Insurance appeared first on OBF ..read more

Purchasing a holiday home is exciting, bringing the promise of relaxing summers, family fun, or simply a place to unwind and spend time in your favourite location. If you own a second home, however, you’ll need to think carefully about insurance to protect against those off-season periods when your holiday home is unoccupied, even if you intend to let the property out. HOLIDAY HOMES – UNDERSTANDING THE RISKS Unfortunately, your standard home insurance policy won’t cover your holiday home, which means you’ll need to take out specific holiday home insurance to keep your holiday property protecte ..read more

Thanks to the terminology, it’s easy to get confused between static caravans and mobile homes. They sound like totally different beasts – one permanently installed and one ready to roam. In reality, however, static caravans and mobile homes are essentially the same, often situated in a single location for many and differentiated only by how you use them. That said, your usage patterns can significantly impact your responsibilities as an owner and your insurance requirements. Read on to find out how. Your Static Caravan – A Holiday Destination Usage Unlike a touring caravan which can be towed b ..read more

As summer approaches and the days get warmer, many of us are beginning to prepare for our caravan holidays. If you own a caravan, it’s the perfect time to plan a getaway, but before you set off on your adventures, there are a few things you need to do to ensure you can relax and enjoy a stress-free break. From booking campsites to carrying out caravan maintenance and making repairs, here’s our guide to getting the most from your caravan holiday this year. PREPARING FOR FOREIGN TRAVEL Although it’s fun to spend time researching local dishes and identifying the closest beach, when taking yo ..read more

This makes the beauty industry a lucrative sector but for salon owners it can come with a lot of responsibility. Alongside the familiar worries of maintaining a high street premises you also need to think carefully about the treatments you offer, the equipment you need, and the safety of your staff and customers.   From accidents and injuries to equipment damage or theft, there’s numerous things that need to be considered. That’s why taking out beauty salon insurance can give peace of mind providing a sensible way to manage the risks involved.   To understand more about bea ..read more

From TikTok and Youtube to Facebook and Instagram, influencers and bloggers are making exciting careers creating digital content for online platforms. As the sector evolves, the potential for increased earnings is impressive but it’s important to also consider the potential risks associated with being in the public eye. When sharing reviews or advice influencers are exposed to liability claims including slander, defamation and copyright infringement. It’s important to understand what the risks are in this regard and how to protect your online presence that you have worked hard to build. So if ..read more

Whether you’re looking for a new home, or you’ve found your dream property, if it has a flat roof, you may want to think carefully about the implications of this unique construction style. That’s because, attractive as they may be, flat roofs are often more susceptible to the elements. As such, they need regular maintenance and may even require specialist insurance.  To help you relax and enjoy the roof over your head, here are a few things to look out for when buying a home with a flat roof.  Common Flat Roof Challenges Despite being relatively simple to construct, flat roofs are in ..read more

It might look easy from the outside, but creating your brand as an influencer takes time and effort, often involving a unique mix of photography, video editing, content creation, and brand management. That’s why taking out dedicated influencer insurance is a must.  What Is Influencer’s Insurance? In the world of content creation and digital marketing, bloggers and influencers occupy an unusual space. Not only are they creating a strong personal brand, but they are also experts in the use of photography, video, and social media.   When it comes to insurance, this means influencer ..read more