Be Careful Of Underground Pipes Or Cables

This was posted by on July 25th, 2016

Hi. We’re seeing a lot of incidents occur whereby underground cables or pipes are being damaged. If digging below half a meter we recommend that you do a CAT Scan, however, CAT Scans won’t detect fibre optic cables. Please therefore also ensure that you refer to the recommendations by the HSE (series HSG47): http://www.hse.gov.uk/pubns/books/hsg47.htm

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Property Owners Insurance for Northamptonshire, Bedfordshire, Buckinghamshire, Cambridgeshire, Midlands & Leicestershire

This was posted by on July 21st, 2016

Here at Trust Insurance, we are one of the UK’s largest providers of insurance to the Tree Surgery, Arboricultural, Forestry and Landscaping Industry.

However, did you know that we also have a team of specialists dedicated to all other aspects of Commercial Insurance?

One of the main areas our expertise lies is in the PROPERTY OWNERS INSURANCE.

We can offer advice and cover for the following areas:

– Commercial Property Owners – any property that you own and rent/lease to another business, for example offices, shops, factories, warehouses, hotels, restaurants, bars etc. we can provide cover for your Buildings, Contents and Loss of Rental Income.

– Residential Property Owners – whether you own a terraced or detached house, a bungalow, an individual flat or a block of flats, we can provide cover for your Buildings, Landlord Contents, Loss of Rental Income or Alternative Accommodation. We can even arrange your LOLER inspections for lifts within the property

– Mixed Property Portfolios – our markets have the capability to create a property portfolio to suit your needs. You can start off with 1 or 2 and then add new properties to it whenever you acquire them. Alternatively, if you already have a portfolio of properties consisting of commercial and residential properties, we can find a suitable policy.

– In respect of the Residential Properties, we have markets who can cover an array of tenants suiting to your needs – whether you have professional working tenants, students, DSS, council referrals or asylum seekers, we can provide cover.

– We can also provide cover for Unoccupied Properties (short term and long term), properties undergoing refurbishment or renovation, recently completed New Builds and Properties awaiting sale. These policies refer to both Commercial and Residential units.

All of the above policies include Property Owners Liability with a limit of £5,000,000 as standard, which covers injury to a third party or damage to their property. We can also offer cover for Legal Expenses (which can protect against tenancy disputes, tax issues, rent guard etc.) and Terrorism.
Generally we can turn quotes around the same day, so if you are looking to purchase a new property and need urgent cover, or your existing policy is due for renewal, please contact us and we can assist.

If you would like to discuss any of the above policies and obtain a quote, please call Steffan at Trust Insurance on 01604 496617. Alternatively send us an email and we will call you back – steffan@trustinsurance.co.uk

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Gable Insurance

This was posted by on July 15th, 2016

It has today been announced that Gable Holdings or known to the consumer as Gable Insurance based in Liechtenstein has stopped taking new business customers after a £24.3m pre-tax loss for 2015. http://www.insuranceage.co.uk/insurance-age/news/2465010/gable-closes-to-new-business?utm_medium=email&utm_campaign=IA.Breaking_News.A.ELU&utm_source=IA.DCM.Live_Updates

I know as a consumer no one thinks to ask about the security and stability of their chosen insurer, however, it can be very important when employees can pursue claims for up to 40 years on your employers liability insurance.

At Trust Insurance we trade with Tokio Marine HCC Insurance for our Arboreal scheme who have a Standards & Poor’s rating of AA (Very Strong), from A.M Best Company Inc A+ (Superior), from Fitch Ratings AA- (Very Strong) and A1 (Good Security) from Moodys Investors Services Inc. http://www.tmhcc.com/Portals/0/HCC/news/2015-10-29.pdf

This gives our clients the security that any insurance placed with us on our facility will have the protection from a financially secure insurer who could meet their needs in many years to come if required.

We have always looked at things long term when placing our facility for Tree Surgery insurance, Forestry contractors Insurance & landscaping Insurance. This is why we have one of the longest running relationships with an insurer partner providing this cover. Should you require a quotation for liability insurance, personal accident cover, professional indemnity cover, chipper insurance or forestry machinery insurance such as harvesters, forwarders, Unimogs or large chippers we can offer you great cover at a competitive price with a secure market.

For a quotation call Cameron Yeo on 01604 492644

Non Arborist Clients

Alternatively if you are not an Arborist but have insurance placed with Gable Insurance please contact us for an alternative quote. We also have a general commercial department who can offer cover for building contractors such as scaffolders, roofers, groundworkers just to name a few. We have a panel of insurers we can offer including Tokio Marine HCC to you! We have negotiated exclusive policies wordings with many insurer, our policy wording with TKHCC allows us to offer insurance policies with no height restriction and no depth restriction. This means no tape measures needed to see if you are working over 10 metres or below 1 metre in depth.

We are one of the truly independent insurance broker based in Northamptonshire left!

For a quotation call Steffan on 01604 496617

https://www.facebook.com/pages/Trust-Insurance-Services-Ltd/135072861717?fref=ts#

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Clients at work

This was posted by on July 14th, 2016

A Tree sectional dismantle 1

A Tree sectional dismantle 2

A Tree sectional dismantle 4

Large conifer tree removal 1

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Insurance Premium Tax being increased again

This was posted by on July 14th, 2016

As you may or may not be aware the government increased insurance premium tax from 6% to 9.5% from the 1st November 2015.

Mr Osborne has now increased this stealth tax to 10% from the 1st October 2016. His argument, they pay 20% insurance premium tax on the continent

Sorry that is not an argument, I quite often ask my children if Bill jump of a cliff would you follow?

What more can I say

https://www.gov.uk/government/publications/changes-to-insurance-premium-tax-increase-to-standard-rate/changes-to-insurance-premium-tax-increase-to-standard-rate

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Car Insurance Premiums increase by 20%, we have not seen this for our clients

This was posted by on July 14th, 2016

It has been published within the industry press that car insurance premiums are increasing by 20% from last year. Some of this increase they mention in the article below is from the government increasing insurance premium tax from 6% to 9.5% from the 1st November 2015.

However we have not seen these increases and we have negotiated reductions for a number of our clients

As they say do not believe everything in the press!

http://www.insuranceage.co.uk/insurance-age/news/2464361/car-insurance-premiums-continue-to-rise

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Gang of thieves target a tree surgeon just outside Manchester

This was posted by on July 6th, 2016

Sad news as a client reported that he has been targeted by an organised gang of thieves. They managed to get through three layers of security and steal a large amount of chainsaws, blowers, hedgecutters etc before being disturbed by a third party.

The client is not happy but with us replacing his tools quickly he has stated it will be business as usually apart from the additions of new security measures added to his site

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Husqvarna 545 RXT brush cutter & Stihl HL100 Hedge cutter Stolen near Waltham Cross

This was posted by on July 6th, 2016

Unfortunately another client of ours has had his tools stolen whilst he was sat in the van after he had put the equipment on the back of his flat bed vehicle.

Please be aware that it only takes two seconds for the undesirables to strike. New equipment on its way to client so he is happy

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