The benefits of an income protection plan

Business Protection Policy

Under an income protection plan, you are supported financially through income benefits should you end up unable to work due to illness or injury. The benefit is paid, basically, as compensation for loss of earnings. The income benefits usually begin at the end of the initial waiting period, which is normally 4, 13, 26 or…

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Understanding Prestige Car Insurance

If you own one of the world’s finer, more luxurious and often more expensive cars, then you may well require prestige car insurance to sufficiently protect your vehicle. Firstly it’s important to know what we are talking about when we are discussing ‘prestige cars’. Whilst there is no hard and fast rule, we are obviously…

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The importance of Professional Indemnity Insurance

A desk with a laptop, coffee, pens , a magnifying glass on and a pad

When it comes to recruiting employees, no matter the industry, there can be a lot of uncertainty involved, however the ‘right’ candidate still needs to be delivered. It can be very demanding to ensure that your clients provide you with the full understanding of what is required for each role so that you can put…

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Key Questions About High Net Worth Insurance

A nice big house over looking a lake

High Net Worth home insurance – or High Value home insurance – is a specialist type of insurance. It is designed for people with valuable homes and possessions. If your home or belongings are worth a lot of money, standard home insurance policies might not give you enough cover.  Specialist high net worth insurance can…

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Is Your Building Underinsured?

Brmingham Library

9 out of 10 Buildings in the UK have the incorrect sum insured. The sum insured is the cost of rebuilding from scratch which also includes any professional fees – it is not the same as the building’s market value, which in some cases might be higher or lower. You must always use a chartered…

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Trade Credit Insurance – What is it and why does my business need it

A table in an office with orange chairs

In the current economic climate, Trade Credit Insurance is a real talking point in the business world with the risk of bankruptcies and insolvencies growing by the day. If a business goes bump, it has knock-on effects on other businesses who are left with unpaid debts, which can lead to further cash flow issues and…

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Understanding Marine Cargo Insurance

Marine Cargo Insurance

Marine Cargo or Marine Transit Insurance will provide cover for loss or damage of goods while being shipped around the world and transported across the UK, either by road, rail, sea or air. There is a difference between buyers and sellers for marine cargo insurance As the Seller of finished goods, components or raw materials,…

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What’s the Difference Between Saving and Investing?

Man sitting at a desk with his phone and laptop

Saving and investing can be used to build your personal wealth in both the short-term and the long-term. However, it is important to know that they are very different from one another due to the amount of risk and return involved between the two. You should also consider your short-term and long-term financial goals before…

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Your Insurance Needs When Starting up a Veterinary Practice

A little brown dog at the vets

When starting up any business there is always a lot to think about and a veterinary practice is no different. From finding the best premises in the perfect location, to picking the right buying group, staff recruitment and much more, it can all be a challenge!  One of the key issues to resolve is to…

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The Employer’s Auto-Enrolment Duties

Auto-enrolment pensions

Auto-enrolment was part of new legislation brought in by the government in 2012, and it has become a fact of life for businesses and business owners that needs to be considered. Some businesses are attempting to manage it themselves, and some are using advisors and specialist teams like that at JPM. However, if you are…

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