Entries by jgrindley

Standard Of Care In Construction Contracts

When a professional consultant or design and build contractor enters into contract, its focus will be on establishing key terms central to any commercial arrangement, such as the scope of work and payment terms. Along with these are terms which describe the required standard of care to which the relevant services are subject. It is […]


Ansvar Launch New Charity Insurance Products

Charity Protect has been developed for smaller or newly set-up charities, community interest companies social enterprises and not-for-profit organisations, that don’t carry out work abroad and have an annual income or turnover of up to £100,000. The policy provides cover for public and products liability as well as various activities including fundraising events for up […]


NMU Launch new Computer Cyber Insurance

Cyber security has become a risk to all businesses Today, virtually all businesses collect and store personal information about customers, employees and others. The frequency of data breaches – the theft, loss or mistaken release of private information, is on the rise. But data breaches aren’t just a big business problem; small and medium-sized businesses […]

Professional Indemnity Insurance in Construction Contracts

What is Professional Indemnity Insurance? PI provides cover for liabilities arising from professional negligence. Any consultant or contractor / sub-contractor (collectively, “Insureds”) with design responsibility or whose duties include a substantial design element will usually be contractually required to purchase PI. It may also provide cover for a range of other exposures: Including defective surveying […]

Car Insurance Premiums set to rise

Average car insurance premiums could increase by up to £75 a year as a result of a government ruling, industry experts have said. A new formula for calculating compensation payments for those who suffer long-term injuries has been announced by the Ministry of Justice. But the Association of British Insurers (ABI) called the decision “crazy”. […]

Garratts sponsoring PNE

Big Sam Allardyce, ex England manager, and Gary Brazil lead out Preston North End in 1986/87 wearing the seasons kit sponsored by Garratts Insurance Brokers.


BIBA says increase in IPT will hit JAMs and is outrageous

Over the past 15 months, policyholders have already seen an increase of 66% in the Insurance Premium Tax (IPT) they pay – this further increase to 12% in this regressive tax is outrageous and is a tax on protection which will hit everyone and especially those ‘just about managing’. We believe that this increase is […]

Chartered Insurance Broker status renewed

When we were awarded the Chartered status in 2012, there were less than 100 firms in the UK with the sought after accreditation. Whilst the numbers have risen it is still the benchmark of quality in our profession. We are delighted to confirm that our Chartered status has been renewed for the next 12 months […]


Danny Garratt leads out Preston North End

Having won the shirt sponsors competition, Danny Garratt lead the two sides out onto the pitch at the Preston North End vs Huddersfield Town Championship fixture on Wednesday 19th October in front of almost 13,000 fans. The evening was thoroughly enjoyable, including meeting the manager and players and a full stadium tour. The evening finished […]