Unexpected item in bagging area: The costs of food product recalls

Crisp factory - Hine Chartered Insurance Brokers

The horse meat scandal of 2013 was probably one the most heavily publicised, ridiculed and disastrous examples of product contamination seen in recent years – pulling many well-known supermarkets into the affray. But the multi-billion pound industry that is food…

Connected technology and the changing nature of risk

Wearable tech - Hine Chartered Insurance Brokers

Connected Technology is altering the way insurers assess and control risk fundamentals, such as risk transparency. Whereas traditional insurance models involve assessing customers based on variables such as the habits or the category they fit into, connected technologies are designed…

3 financial threats to SMEs

Finances - Hine Chartered Insurance Brokers

Problems in running your small business are just as likely to be financial as they are physical, and in the whirlwind of keeping customers happy, ensuring you’re trading effectively, and paying suppliers on time, there are things that fall by…

Car thefts rise 25% during winter months

Winter car - Hine Chartered Insurance Brokers

Instances of vehicle theft increase by up to 25% in the winter months, new research by car security company Tracker finds. Motorists are warned to be especially vigilant in the months after October’s clock change, as dark evenings and mornings…

A question of life insurance: Is vaping the same as smoking?

Vaping - Hine Chartered Insurance Brokers

With an estimated 2.6 million active e-cigarette users across the UK, vaping is a popular and widely accepted alternative to smoking. Battery powered e-cigarettes use a heating element that turns liquid nicotine into a cloud of vapour to be inhaled,…

What can we learn from the floods of Christmas past?

Christmas - Hine Chartered Insurance Brokers

Storms Desmond, Eva and Frank caused flood chaos over last year’s Christmas period, causing an estimated £1.3bn in claims. What can property owners learn to protect their portfolios from the threat of similar damage this winter?

Is your employers’ liability certificate on display?

Health and safety - Hine Chartered Insurance Brokers

Whether you’re an SME or a global conglomerate, by law you are responsible for your workers’ health and safety. If an employee tripped over a stray cable in the office and hurt their back or a construction worker employed by…

8 myths about life insurance

Life Insurance myths - Hine Chartered Insurance Brokers

One in four breadwinners in the UK – that’s around 8.5 million people – don’t have life insurance, according to research by MoneySuperMarket.com. But, have they considered what this might mean for those left behind? It’s not easy thinking about…

Black Friday explained

Shopping - Hine Chartered Insurance Brokers

Imported into the UK from our American cousins, Black Friday is a bargain-filled shopping bonanza which kicks off the annual pre-Christmas retail frenzy. For retailers it can be both a blessing and a curse, offering the chance to boost profits…

The blame game: ABI report sparks debate over flood defences

York flood - Hine Chartered Insurance Brokers

The Association of British Insurers (ABI) has launched a new guide for repairing flooded and water damaged buildings, and in doing so seems to have opened the floodgates to a debate over whose responsibility it is to prevent and minimise…

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