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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…
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…
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 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…
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…
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…
What You Need to Know About Christmas Parties & Liability
The festive season is a highlight of the year for many businesses. Christmas parties and client gatherings are an opportunity to celebrate achievements, boost morale, and strengthen relationships. However, these events also bring unique risks that can have serious implications for your business. From slips and trips to alcohol-related incidents, understanding public liability and planning…
Do "Ransom Strips" Need Insurance?
Land and property ownership in the UK can be full of surprises, and few are more curious than the concept of a ransom strip. Often just a sliver of land, a ransom strip can hold significant power and value. Whether you’ve inherited one, purchased land with a strip in place, or are developing property nearby, understanding what a ransom strip is and why it might need insurance is essential for…
