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

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

Credit insurance safeguards your business against the failure of your customer to pay their trade credit debts. Upon one of your buyers becoming insolvent an insurance policy can pay up to 90% of the debt due to you.

An insurance policy can also offer a useful credit information service due the data customers can access via a specialist insurer’s online information system.

Without credit insurance 76% of time once a debtor goes into liquidation you will unable to recover any amounts owed.

Please call Stuart or Lorna today to discuss on 01934 522252.

If you are looking to buy a new car this month be wary of buying GAP Insurance via the dealer as they often sell it to you by using pushy sales tactics at an inflated price.

We have been providing GAP (Guaranteed Asset Protection) insurance to our clients for many years and offer a market leading product at competitive prices.

Gap insurance covers the difference between the amount you paid for your car and the amount an insurance company would give you if it was written off or stolen. It can be useful to have as new cars can lose their value very quickly.

Please call Richard or Debbie today to discuss on 01934 522252.

It’s that time of year as the weather improves that businesses in this sector move into  full throttle. Care needs to be taken to make sure that you have the correct cover in place at this busy time.

We provide competitive cover for landscaping trades including:

• Landscaping, Design & General Maintenance
• Grass cutting
• Hedge trimming
• Tree surgery – lopping and felling
• Turfing
• Weeding and clearance
• Paving
• Fencing

Our policies can be tailored to suit your needs including public liability insurance up to £10 million, employers liability, own plant and tools, hired in plant and professional indemnity cover.

Call Stuart or Lorna on 01934 522252 to discuss your requirements.

The guidance is that all Forest School leaders should retain records of participants for at least 6 years, whether a participant attended for one session or on numerous occasions. This is due to the fact that the legal system allows a potential claimant to make a claim 3 years after the date of discovery of an injury (whether it is a valid claim or not).

In the event of a claim  insurers need all the participant’s details, records, risk assessments, etc in order to help defend you. The other aspect to also consider is that the HMRC require you to hold all financial accounts for 6 to7 years.

Please note that we have some amended opening hours for the Christmas period, which will be as follows:

22nd  December: 9am to 1pm

Christmas Day: Closed

Boxing Day: Closed

27th December: 9am to 1pm

28th December: 9am to 1pm

29th December: 9am to 1pm

May I take this opportunity of wishing all our customers and commercial partners a very merry Christmas and a happy, healthy and prosperous New Year.

Stuart Rose

Airbnb and Home and Let Property Insurance

Airbnb has opened up a new world of opportunity to generate income from your property. The flip side is that home and property owners need to beware that insurance companies will not always accept that whole of part of your property being let via Airbnb and your policy may be invalidated as a result.

Only certain insurers will allow homes to be let via Airbnb and at Birnbeck we have access to insurance products that will allow buy to let properties to be let via Airbnb and can give you the appropriate cover. Home insurance cover can be more problematic and care needs to be taken to disclose this activity to your insurer and make the appropriate arrangements.

Whilst Airbnb provide a Host Guarantee, as they freely admit it is not a suitable substitute for properly arranged insurance. Storm and flood damage is not covered by the guarantee and any losses need to be linked to your listing with Airbnb.

Please contact us on 01934 522252 so we discuss your requirements.

Nurseries & Childcare Insurance

If you are looking to cover your  child care centre or nursery you may have found it a challenge and not be entirely sure if you are getting exactly the right level of cover, both legally and appropriately for your business.

We can assist you with your insurance for Nurseries, Private Day Care Centres and Kindergartens. Cover for days out including outdoor learning and Forest School sessions can also be included.

Typical cover for your nursery business will include:

Public Liability

Employers Liability

Business Interruption

Legal Expenses

Building Insurance

Vehicle/minibus insurance

Loss of Registration

Personal Accident Cover

Professional Indemnity

Without speaking to an insurance professional who is employed to work on your behalf you are leaving it to chance whether or not you have the correct level of cover you need for your business.

We ask the questions that insurance companies require and disclose information to them to ensure you have the cover you need.

If you feel you require additional cover for any other activities you are involved in, please give us a call on 01934 522252 and we will be able to arrange the appropriate cover.

Insurance for metal fabricators and metalworkers

We have access to an exclusive facility for the metalwork sector which offers market leading cover at competitive premiums. We have considerable experience in arranging insurance for clients working in this sector built up over a number of years.

Included amongst the activities that we can insure are steel fabricators, sheet metal work, CNC milling, CNC lathes and precision engineering. Site work including hot works can be accommodated. Work with structural steelwork or jobs at hazardous locations can also be included subject to full details.

 Please contact Stuart or Lorna on 01934 522252 should you require further information.