May 15, 2017

January 2017

We reflect on last winter’s destructive storms, and investigates the new flood insurance schemes to help small businesses stay afloat.  

It’s been a year since the winter of 2015/16 when the UK was lashed by the worst weather in a century. Storms Abigail, Desmond, Frank and Gertrude caused the wettest three-month period on record, and the highest-ever recorded rainfall – 13.4 inches (341.4mm) in just 24 hours at Honister Pass in the Lake District. Rivers peaked at around 1,700 cubic metres per second – enough to fill the Royal Albert Hall in under a minute


As a result, we witnessed the most extreme floods in recent history. More than 16,000 homes and businesses were flooded. And while emergency payments worth £49 million helped cover the cost of immediate needs like food and clothing, the total insura...

April 28, 2017

April  2017

Tougher energy efficiency rules will be applied to the commercial property sector from April 2018.  With 12 months to go before their introduction, what must landlords now prepare for?  Britain’s commercial property owners have been urged to improve the sustainability of their portfolios, as the Government seeks to clamp down on poor-performing buildings.

With tougher energy efficiency standards coming into force next year, ministers have issued a timely reminder to landlords about what’s expected of them. Failure to comply with the revised rules could ultimately lead to financial penalties and reputational damage.

So why is energy efficiency still such a hot topic in the UK property industry, and what changes will landlords have to make between now and 2018?

Why energy efficiency matters


December 14, 2016

Risks come in all shapes and sizes

If there’s been a frost overnight, I make sure I wrap up warm with hat, gloves and scarf before heading out. Then I’ll de-ice the car. I’ll also double check the weather forecast and pack any emergency equipment (blankets, water, fuel can etc.) so I’m prepared if something happens.

For businesses coping with winter conditions the process is the same; assess the risks, take suitable precautions, and have a plan in place if the worst does happen.

So instead of putting on a coat, hat and scarf, lag pipes to stop them freezing and put the heating on to keep temperatures above 4ºC. Know where your premises’ stopcocks are, so you can shut the water supply off quickly if a pipe bursts, and make sure you have enough oil for heating systems, as suppliers may close over Christmas.


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Acorn Insurance Intermediaries Ltd in Partnership with BBPS Ltd, part of the Bluefin Group of Companies

Acorn Insurance Intermediaries Ltd is authorised and regulated by the Financial Conduct Authority

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