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All posts by Morgan Richardson Ltd

Health and Safety – Does your business comply?

June 7th, 2019
health and safety regulations for small businesses

Health and safety is one of those “to do” list items that never seems like a priority until an issue arises. It isn’t one of the most dynamic jobs that business owners are required to do and it doesn’t generate any revenue, which means that it can often be left until last. However, there can…

As a small business owner, do I need to carry out a fire risk assessment?

May 17th, 2019
Do i need to carry out a fire risk assessment?

The short answer is yes, whether you run a shop, office, restaurant, warehouse or any other type of business you are legally required to carry out fire risk assessments with the guidance of the “Fire Safety in the Workplace” issued by the government.  If there are less than 5 regular occupants in the building, or…

Business Interruption Insurance

March 25th, 2019
following a fire business interruption will cover your loss of income

Protect your business against loss of income Business Interruption insurance, also known as Loss of Income, will cover the consequential loss in revenue following material damage to your business. Following a fire, storm, or flood, premises will often be left in a state that reduces the level of trade, or in some cases prohibits you…

Guide to Pub Insurance

February 7th, 2019
Insurance for Pubs and Bars

What is Pub Insurance? Pub insurance should be considered by every publican to protect against the risks faced on a daily basis, as well as having in place the right cover to meet the legal obligations as an employer. The risks you face can vary and will include damage to the property, including the buildings,…

Guide to shop insurance

December 4th, 2018
What is shop insurance?

What is Shop Insurance? Shop insurance should be considered by every business owner to protect against the risks faced daily, as well as having in place the right cover to meet the legal obligations of an employer. The risks you face can vary, and will include damage to your property, including the premises and any…

What are the most common insurance claims and how do they affect UK businesses?

November 5th, 2018
Insurance Broker

In the next decade 40% of small businesses will find themselves with either a property or liability loss that requires insurance. These are the statistics from a recently compiled financial services company report looking at the type of claims that are most often made by a small business and those that tend to cost the…

How can restaurants protect themselves with silver service insurance policies?

October 20th, 2018
Restaurant Insurance

Being in the restaurant business can be profitable and gratifying – and there is a lot of room for growth. However, it also carries with it significant risk, from a range of factors, such as dealing with members of the public, food service and managing staff. A silver service insurance policy will ensure that your…

How can you ensure your business premises are protected against the risk of fire?

October 15th, 2018
Commercial Insurance

Fire can be devastating for any business. And it’s one of those risks that is far more preventable than something like a flood or damage from vandalism. The fire safety regulations contained within the Regulatory Reform Fire Safety Order (RRFSO) provide a useful framework for any business looking to ensure that premises are as protected…

Why is it important that independent photographers get insurance measures in place?

September 9th, 2018
photographic equipment insurance

Photography is a highly creative industry. However, getting ahead in the photography industry also requires strong business acumen. Risk management is an essential part of that and something that every photographer, whether small and independent or part of a large studio, needs to integrate into business management. Ensuring that you have adequate insurance measures in…

What does public liability insurance cover for your salon?

June 26th, 2018
Public Liability Insurance

Public liability insurance is a crucial protection for any salon business. From customers to suppliers delivering stock, a wide range of situations could unfold which could give rise to a potential claim against your business. Without public liability insurance, claims can be devastating, financially and reputationally too. What is public liability insurance? It will cover…