Monthly Archives: November 2018

Cyber Insurance for the Digital World

Ask yourself what part of your business is not reliant on digital systems? If a cyber attack meant that all parts of your business that use digital systems could not function what could you do? Not much will be the answer for most businesses.

Cyber insurance is there to keep businesses trading in a world where digital systems dominate.

What does cyber insurance actually cover?

  • Hackers stealing data or locking your systems and demanding a ransom to release it.
  • It covers against fines and penalties that businesses will incur if they are assessed as non compliant on data protection or privacy.
  • It covers against viruses that paralyse systems and covers loss of income while they are being restored.
  • Cover against the accidental loss of data – followed by legal action by customers.
  • Most importantly it provides an incident support service by cyber experts to identify the extent of the problem and the most effective solution.

Please contact Stuart or Lorna to obtain a quote or discuss further on 01934 522252.

BIBA (British Insurance Brokers Association) Purple Partnership

Copyright © 2019 Birnbeck Finance Limited t/a Birnbeck Insurance Services
Registered Address: Whetcombe Whey, Ropers Lane, Wrington, Somerset, BS40 5NH
Company No. 01158939
Registered in England and Wales

Our industry’s ombudsman is the Financial Ombudsman Service
We are authorised and regulated by the Financial Conduct Authority
FCA Registration Number: 125599
Foreign Account Tax Compliance Act Certificate

Nursery insurance including forest school sessions

Many nurseries are now including Forest School sessions as part of their offer. This can prove problematic with many nursery policies including restrictive conditions and exclusions relating to delivery of Forest School sessions. Birnbeck has considerable expertise in providing insurance for Forest School and Outdoor Learning Practitioners and we can arrange suitable and competitive insurance for nurseries.

 

Birnbeck can assist nurseries in obtaining cover for forest schools including the use of fires and sharps to give you peace of mind that you are insured correctly.

 

Please contact Tracey or Lorna to obtain a quote or to discuss further on 01934 522252

Is your building insured for the correct value?

Inaccurate building sums insured is a big problem for homeowners, landlords and commercial property owners.

 

Every week in the U.K. property owners suffer the consequences of failing to insure their property for the correct rebuild cost.

 

In some cases this can lead to businesses and homeowners suffering significant uninsured losses totalling many thousands of pounds.

 

On the flip side some policyholders are over insured and paying too much for their building insurance cover.

 

Birnbeck and other members of The Purple Partnership have teamed up with Rebuild Cost Assessment to provide a cost effective solution for this problem.

 

Traditionally rebuild cost assessments were performed by site visits and can be costly.

 

Due to technological advancements and the widespread data now available the accuracy of remote assessments has improved tremendously. This backed up by an experienced team of assessors means that a reliable and insurance industry trusted assessment of rebuild cases can be produced.

 

In some cases such as complex or unusual buildings a desktop assessment may not be suitable. In this scenario a quotation for a site assessment will be offered instead.

 

Please contact us on 01934 522252 for further details