Category: Risk Perspectives
Independent insurance broking through “hard” times The insurance market is characterised as either being “soft” or “hard”. In a soft market, we see many insurers keenly competing for market share by easing their underwriting acceptance and offering lower premiums. A hard market sees insurer supply reduce, with those remaining demanding…
DB Wood Team
17th September, 2021
Don’t be a victim of under insurance…
Obtaining any form of insurance cover is such an easy process nowadays. Just open up the laptop, sign on to your favourite aggregator site, answer a couple of straightforward questions and the policy is yours and your cuddly animated animal will follow in the post. Simples!…
Risk
22nd January, 2021
Over the years there has been a steady stream of blockbuster movies based on the world of crime, organised or otherwise. Many of the biggest films to date are based on real life events. For example, the movie Goodfellas starring Robert De Niro and Ray Liotta is based…
Andrew Thomas
22nd March, 2018
This is a letter sent back from the future by an advanced digital being. Dear Debbie Wood, This email finds you via a manipulation of space -time from far in the future. I am writing to warn you about the growing…
Alex Chappell
19th May, 2017
Cyber Crime: How to Protect Your Business
In what was one of the best moments ever caught on the big screen, Butch Cassidy and the Sundance Kid epitomise why cyber insurance should be taken more seriously… They always get away right… Butch and Sundance? Maybe not this time. After…
Risk
29th July, 2016
I am not sure where I heard it, but I’m pretty sure nearly everyone has heard it; “British people love queuing.” Take the Wimbledon queue, which is forming as we speak, people actually camp out for days in an attempt to get tickets. Of course, we…
Risk
1st July, 2016
“Football match cancelled because fake bomb is accidentally left by training company 20 minutes before kick-off”? It sounds like something that’s only printed on 1st April before 12 noon. Strange sequences of events happen more than you expect, and not many are stranger than…
Risk
27th May, 2016
I’m going to start you off with a statistic – 85% of our clients have made a claim. So nearly everyone has had some kind of experience with an insurer. I am actually not sure what you make of that statistic… high, low, about right? …
Risk
28th April, 2016
Technology is driving Motorists in all sorts of directions
Telematics, or the commonly known term the black box, is likely to have an increasing impact on motor insurance. It’s an interesting dynamic so we thought we would share our light hearted review on the advantages and disadvantages of this new approach, as well as road testing it…
Risk
4th April, 2016
Under and overinsurance… check your level of cover is correct
Part of our role as risk advisers is to understand the types of cover a business requires and also whether the sums insured are accurate. Quite simply, we want to make sure you are fully protected in the event of a claim. Approximately three quarters of commercial properties…
Emma
4th March, 2016