…and at Hine Chartered Insurance Brokers, we just have a couple of loose ends to tie up as the year draws to a close and the first tin of chocolates is breached.

Even with the terror threat level facing the UK raised from “substantial” to “severe” in response to conflicts in Iraq and Syria, the risk of being affected by a terrorist act remains low.

Hine has cause for celebration once again having been nominated for the second year in row for Best Insurance Company at The Talk of Manchester Awards, taking place on 4th December at Mercure Manchester Piccadilly Hotel.

The long, dark nights of autumn and winter provide the ideal cover for burglars and vandals.

October signals the turning back of the clocks, with darker nights catching out everyone from those on the school run to commuters caught in the evening rush hour traffic. 

Definition of Underinsurance Inadequate insurance coverage by the holder of a policy.

Members of the public who have slipped, tripped or fallen on commercial premises generate more claims for compensation than any other type of accident

According to research by Moneysupermarket.com, nine of the ten occupations that cause the most accidents are medical workers with doctors & surgeons being nearly 100 times more likely to cause an “at fault” accident than a building society clerk.

According to figures released by Lloyd’s of London, the insurable value of all the players at the 2014 World Cup in Brazil is £6.2bn.

Communication tools like Facebook, Twitter, LinkedIn and Google+ were unheard of less than a decade ago, yet social media (the collective name for all these channels) is a vital communication and education tool for businesses today.

As more heavy rain is forecast and the costs of the recent storms continue to rise, business owners need to be aware of the steps they can take to prepare for the storms

A theft or break in can spell disaster for businesses and home owners alike, and without adequate insurance, the after-effects can be devastating.