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Fall at Height results in Prison Sentence

A roofer has received a suspended prison sentence after a man fell from a scaffold in Devon, suffering serious injuries. After falling from a height of more than 25 feet, the employee of a self-employed roofer was sent to hospital and put into an induced coma. A HSE investigation found grievous health and safety failings and a lack of supervision or suitable equipment while working at height. This...

What to do in the event of a motor accident

What to do in the event of a motor accident is very simple, but can be lost in the heat of the moment. Above all it’s important to stay calm and understand that the matter will be handled by insurers, and not in that immediate moment preceding a crash. At Romero Insurance Brokers, we’ve highlighted four rules which clients can use as best practice in the event of a motor accident.

Asbestos – What can businesses do to manage the risks?

Asbestos Awareness is Essential for Commercial, Corporate and Construction Businesses The Health and Safety Executive are putting a greater focus on Asbestos this April. All businesses are being encouraged to check that they are properly complying with the law when it comes to assessing, managing and monitoring the risk of asbestos. Since 2000, it has been against the law to use asbestos in any form...

A Quick Guide to Business Interruption Insurance

Business Interruption Insurance – What is it and why do you need it? Not all losses are physical. Of course we can imagine many which are, such as fire or flooding, but losses can have effects which are far more long-lasting than the original incident which caused it. For instance, if a fire causes damage to a business’ machinery, the initial loss is the cost of repairing or replacing the damaged equipment....

Everything businesses need to know about Martyn's Law

Update: As of 3rd April 2025, Martyn’s Law (now know as the The Terrorism (Protection of Premises) Act 2025), has gained Royal Assent and has been written into law. The government has confirmed that venue’s will have at least a 24 month implementation period to put measures in place to comply with the law. For further advice on how to get ready, get in touch with our team. You can read...

Business Interruption Insurance for Commercial and Corporate Businesses

Why effective business interruption insurance requires an effective broker? Business interruption insurance is a cover type that helps your business financially should something unexpectedly stop trade. This could be for a number of reasons, but mainly involves fire, flood, or major theft, all of which could leave your premises unusable for your business. When this happens, Business Interruption insurance...

Everything Businesses Need to Know About Cyber Security and Cyber Insurance

The Essential Guide to Cyber Security and Cyber Insurance for Businesses Cyber security and cyber insurance are some of the most overlooked areas when safeguarding and protecting a business. Yet cyber crime has continued to grow. In 2024 alone, half of all businesses and a third of all charities experienced a cyber breach. A cyber attack is, by far, the most common risk a business will face. Where...

The Los Angeles Fires: How will the Insurance Market be affected?

Between the 7th and 15th January 2025, widespread fires caused devastation across Los Angeles. To learn more about the scale of the damage and the likely ramifications upon the insurance market, we turned to Thomas Banks, Romero Insurance Assistant Broker: “We have all been shocked by the widespread destruction and apocalyptic images emerging from Los Angeles over the past few weeks. With more...

The Building Safety Act and it’s impact on Insurance Claims

How has the Building Safety Act 2022 affected insurance? The Building Safety Act was granted Royal Assent in 2022. It addressed the safety concerns of high-rise tenants following the 2017 Grenfell Tower tragedy. The bill included implementation dates for measures and remediation works, some as late as 2024. To learn more about the Building Safety Act – see our “What is the Building Safety Act 2022?”...

Safety and Risk Management in Motorsport

A summary of the evolution of safety and risk management in professional motorsport? Only until recently has safety been prioritised in professional motorsport – above technological advancements and speed. Motorsport has been deemed safer than ever, and while we see many spills and crashes, racing very rarely results in the death of a driver. Although F1 cars are travelling faster than ever (233...

The importance of early claim notification

As you may be aware, insurance companies write into their policies a number of conditions which must be complied with in order for cover to be provided in the event of a claim. One of these conditions is the duty on the policyholder to notify them of a circumstance which may give rise to a claim within a certain timescale or, for example, ‘as soon as reasonably practicable’. It is important to check...

What the Discount Rate Increase means for insurers and claimants

Analysis of the Upcoming Discount Rate changes The below brief is an analysis of the upcoming discount rate changes in England and Wales, their potential impact on personal injury claims, and comparisons to recent changes in Scotland and Northern Ireland. Lewis Jackson, Senior Claims Handler at Romero Insurance Brokers, gives an indepth review of the Ogden rate change and what it means for clients...

Emerging Cyber Threats in 2025

New Cyber Threats and How to Defend Against Them Cyber crime is evolving, and as we progress through the second quarter of this century, businesses need to be more alert than ever to emerging threats. The following threats are predicted by experts at Google to rise and cause issues for businesses, including both commercial and residential. 2025 will see more cyber attacks than ever, with a 105% rise...

All the changes proposed by the Employment Rights Bill 2024

What the Employment Rights Bill 2024 means for employers and worker’s rights The Employment Rights Bill 2024 is a key draft legislation that proposed slight yet meaningful changes to worker’s rights. Running over 150 pages and containing 28 individual reforms, this highly anticipated piece of legislation is ambitious, far-reaching and very detailed. Thankfully, we have Paul Robertshaw, Director of...

Solar Panel Installation Risks for Business Premises

Solar Panels involve unique installation risks and require specialist insurance Solar panels are becoming more and more popular for commercial properties and business premises. Photovoltaic solar panels can help offset the energy costs of businesses, and fortunately, the panels are also relatively easy to insure. In the past decade, Romero Insurance have successfully insured many solar panels installations,...

Drug Driving Awareness, a rising risk for Fleet Managers

Drug Driving and Drink Driving is on the rise, keep your drivers safe. Drink driving is a long standing risk for fleet managers. 675,000 drivers were found to be driving under the influence last year. Fleet managers have long fought against this possibility, putting in place procedures and spot checks to help reduce the risk. However, a new issue involving driver impairment is on the rise – drug driving....

Why Electric Vehicle Insurance Premiums are more expensive

Fleet managers should be aware that investing in an Electric Vehicle Fleet brings its own challenges Many fleet managers and CEOs want an electric fleet. A carpark of premium electric cars indicates success and sustainability. However, electric vehicles are entirely different machines to a regular ICE fleet, and therefore possess different risks. As a leading international insurance broker, we talk...

Driving Safely in Autumn: Tips for Drivers and Fleet Managers

As the nights draw in and autumnal conditions take hold, the risk of road incidents increases significantly. Data from the AA reveals an 11% rise in collisions in the two weeks following the clock change, with many incidents attributed to factors like reduced visibility and slippery road conditions. For fleet managers, this highlights the critical need to take proactive measures to ensure driver safety...

Why an insurance broker is necessary for SME businesses

Insurance for Small Businesses with Romero Insurance Brokers’ SME Department Manager Romero Insurance firmly believes that SME businesses deserve a dedicated broker. We are able to offer a wide range of benefits and negotiate excellent premiums on behalf of our clients. We discuss with Ed de Bussy, SME Department Manager, why using an insurance broker is essential for SME businesses. He talks...

The Importance of Fire Door Safety & Maintenance

Fire Door Safety Week 2024 A fire door is an engineered safety device, they are critical to a building’s fire safety and the preservation of life. The 23rd to 27th September 2024 is Fire Door Safety Week; it’s probably not the first date in the club owner’s calendar – but perhaps it should be… As a broker, we have visited many of clubhouse up and down the country. Sports clubs, social clubs,...

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