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@ashburnhaminsurance
The Hidden Gaps in Business Insurance Policies
For any business owner, buying commercial insurance provides a clear sense of achievement. You check off the policy boxes, sign the contracts, and rest easy believing your enterprise is securely insulated from financial ruin. Unfortunately, many businesses fail to realise that insurance is not a seamless safety net. It is a puzzle of highly specific policy structures, and where those pieces meet,…
No Section 21? Landlord Insurance Matters More Than Ever
The private rental sector in the UK is entering one of the most significant periods of change in a generation. With the introduction of the Renters’ Rights Act and the long-anticipated abolition of Section 21 “no-fault” evictions, landlords are being asked to adapt to a fundamentally different way of managing tenancies. For many landlords, this is not simply a legal update. It represents a shift…
The Hidden Risks of Emergency Locksmith Callouts
Emergency locksmith work is one of the most demanding areas of the trade. Unlike planned installations or routine maintenance, emergency callouts often involve high-pressure situations, unfamiliar environments, and urgent security concerns. Whether it’s a homeowner locked out late at night or a commercial property needing immediate access after a security failure, locksmiths are expected to act…
The Most Expensive Types of Tenant Damage for Landlords
For many landlords, tenant damage is one of the biggest concerns when letting out a property. While most tenancies end without major issues, there are occasions where damage goes far beyond minor wear and tear. In some cases, repair costs can quickly run into thousands of pounds, particularly when the damage is deliberate or extensive. At Ashburnham Insurance, we regularly speak to landlords who…
Common Risks Faced by Ductwork Installation Contractors
Ductwork installation is a highly skilled trade that plays a vital role in modern commercial and industrial buildings. From ventilation systems in office blocks to extraction systems in restaurants and factories, ductwork contractors are involved in projects that often require precision, coordination and strict health and safety standards. However, like many trades operating within construction…
The 5-Point Health Check for Your Buy-to-Let Investment [INFOGRAPHIC]
Managing a buy-to-let property is a lot like running any other successful business: it requires regular check-ups, proactive planning, and a solid strategy to protect your bottom line. Treating your investment as a hands-off income stream is a recipe for unexpected costs. Instead, conducting regular “health checks” ensures your property remains safe, compliant, and highly profitable. Before you…
What Happens If a Cleaner Damages a Client’s Property?
Trust sits at the heart of every cleaning job. Whether you’re working in a private home or a commercial setting, clients rely on you to treat their space and belongings with care. But no matter how experienced or careful you are, accidents can still happen. A split-second mistake, a knocked-over ornament, a spilt solution, or a scratched surface can quickly turn into a stressful situation. The…
What Happens If a Guest Damages Your Holiday Home?
Owning a holiday home can be a rewarding investment. Whether you let it out occasionally or run it as a full-time holiday rental, welcoming guests into your property comes with the opportunity to generate income and build a strong reputation. But it also comes with a level of risk that many owners underestimate: What happens if a guest damages your property? From accidental spills to more serious…
What Is the Difference Between an Arborist and a Tree Surgeon? [INFOGRAPHIC]
When it comes to tree care, the terms arborist and tree surgeon are often used interchangeably. While they do overlap, the distinction between the two becomes much more important when you look at things from an insurance point of view. That difference can affect liability, claims, and even policy validity. Below is a clear breakdown designed to help you understand not just what separates these…
What The Renters’ Rights Eviction Rush Means for Landlords
With the Renters’ Rights Act now in force as of 1 May 2026, the rental sector is entering a new and unfamiliar phase. In the weeks leading up to the deadline, many landlords took decisive action, serving Section 21 notices before the legislation came into effect. What was widely described as a last-minute “eviction rush” has now passed, but its impact is only just beginning to unfold. For…
How Builders and Contractors Check a Plasterer’s Insurance
For plasterers working on building sites or larger renovation projects, having the right insurance is often a requirement before you are even allowed to start work. Builders, contractors and property developers need to protect themselves, their clients and everyone else on site. One of the main ways they do this is by checking that every subcontractor has appropriate insurance in…
The Insurance Blind Spots in Modern Business Models [INFOGRAPHIC]
Businesses today operate in ways that would have been difficult to imagine even a decade ago. Digital tools, remote working, cloud services and rapidly evolving technologies have transformed how companies deliver services and interact with customers. While these developments create enormous opportunities, they also introduce new risks that traditional insurance thinking does not always account…
Liability Risks for Gardeners in Shared and Communal Spaces
Working as a gardener in shared or communal spaces like allotments, community gardens, or apartment complex gardens can be very rewarding. But it also carries unique risks that don’t always arise when working on private property. At Ashburnham Insurance, we often speak to gardeners who are surprised to learn that standard public liability insurance policies might not fully cover them when they…
How Long Can a Property Be Empty Before Insurance Is Invalid?
Leaving a property empty for any length of time is more common than many people realise. Homes may sit unoccupied while waiting for new tenants, during renovations, after a property purchase, or when going through probate. However, a lot of property owners are surprised to learn that standard home insurance often has strict limits on how long a property can remain empty, and exceeding these…
Insurance for Emerging Trades: Are You Fully Covered? [INFOGRAPHIC]
The trades industry is changing fast. From solar panel installations to drone-based surveys and sustainable construction projects, new technologies and services are opening doors for businesses across the UK. But with these opportunities come new risks, and many traditional insurance policies weren’t designed to cover them. For tradespeople venturing into modern or specialist areas, ensuring your…
How to Insure High-Risk Construction Projects Effectively
Construction projects are inherently complex, involving multiple trades, tight deadlines, and a variety of risks. For contractors, project managers, and business owners, the stakes are high: a single accident or unforeseen event can disrupt schedules, lead to costly delays, or even trigger legal claims. That’s why construction business insurance is a critical part of managing high-risk projects…
Protecting Your Roofing Business in a Changing Trade
Roofers have always worked at the intersection of skill, risk, and endurance. Roof slaters and roof tilers handle fragile, heavy materials while navigating steep pitches and unpredictable weather. But the trade is evolving. Modern materials, shifting weather patterns, digital tools, and increasingly complex contracts are reshaping the risks roofers face today. For roofing professionals, this…