HM Insights

Legal Insights & Industry Updates

Life, business and the law

The law never stands still, and the way it applies to you and your organisation is constantly evolving. Our people are on top of these developments and can keep you up to date with some of the most interesting aspects of these changes. Check out our articles and updates for our perspective on issues that might affect you.

Latest Insurance articles

  • Coronavirus: What are the implications for MOTs and motor insurance?

    Coronavirus: What are the implications for MOTs and motor insurance?

    The Department for Transport is working with insurers and the police to make sure drivers are not unfairly penalised for not being able to get an MOT during periods of self-isolation. Meanwhile, the Association of British Insurers (ABI) has confirmed that ‘key workers’ do not need to contact their insurer to update their documents or extend their cover for additional and necessary journeys.

  • Covid-19 Insurance Update - Are you planning ahead?

    Covid-19 Insurance Update - Are you planning ahead?

    As you look ahead to strategically exit hibernation of your business, when the time comes, do you have the right insurance in place to go forward? Two of the most important types of insurance for small businesses are employer liability insurance and public liability insurance.

  • Coronavirus: ensure unoccupied commercial property remains insured

    Coronavirus: ensure unoccupied commercial property remains insured

    Generally speaking, many UK insurers define a commercial property as being "unoccupied" if it is empty or not being fully utilised for business purposes for a continuous period of 30 days. Some insurers have extended the period to 60 days due to the current lockdown, but owners of such properties should carefully check their policies and contact their providers to be sure that they remain covered.

  • Insurance Update - Winter Health and Safety

    Insurance Update - Winter Health and Safety

    Scottish winters are well known for their harsh conditions. The dark nights combined with ice, snow and heavy rain can make working conditions challenging, but what effect do they have on an organisation's health and safety obligations?