Author Archives: Matt Duffy
The Hidden Insurance Risk for Pubs During Major Sporting Events
With another major football tournament on the horizon, pubs, bars and licensed venues across the UK will be preparing for packed houses, increased footfall and…
Standard or Non-Standard Property?
When submitting a property risk for insurance, brokers are often met with a barrage of questions from underwriters regarding the building’s construction. To a client, a modern warehouse or…
Individual Flats for Buildings Only – the Lego Effect
Insuring a flat can seem straightforward, but it works very differently from insuring a house. From legal ownership to shared responsibilities, factors like insurable interest…
The Dangers and Pitfalls of Insuring a Listed Building…
…What UK Property Owners Need to Know. Listed buildings present some of the most complex and costly insurance risks in the UK property market. Their…
Rising Rent Arrears: The Hidden Cash Flow Crisis for UK Landlords…
…How Protect’s Rent Guarantee Insurance Solves It. The UK rental market has faced unprecedented challenges over the past five years. Rising living costs, inflation, and…
Property Insurance Trends for Early 2026
As we enter 2026, the property insurance sector is transitioning into what we call a ”Soft Market.” After several years of aggressive premium hikes and restricted capacity,…
Underinsurance: Hidden Risks Mortgage Brokers Can No Longer Ignore
The UK buy-to-let (BTL) market has changed dramatically over the last decade. Property values have risen sharply, build costs have surged, regulation has tightened, and…
Business Continuity in a Cold, Wet UK Winter: How SMEs Can Stay Resilient
Winter in the UK feels a little different every year, and not in a good way. December brings shorter days, cold snaps that seem to…
Landlord Insurance in the UK: What You Really Need to Know (And Why Protect Insurance Stands Out)
For many UK landlords – especially those managing between one and five properties – navigating landlord insurance can feel confusing. You want the right cover,…
The Renters’ (Reform) Bill – A Strategic Overview for Mortgage Brokers
1. Executive Summary The Renters’ (Reform) Bill represents the most significant legislative change to the UK’s Private Rented Sector in over 30 years. The bill’s…
