REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
17th November 2014
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REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
Welcome

Welcome to the fifth edition of our electronic newletter, Realty Review.

In this issue we continue to focus on subjects that our clients and contacts have asked us about. The articles covered include the concept of 'proximate cause' used by insurers in trying to identify the actual cause of a loss; how to protect unoccupied buildings; energy performance certification for commercial properties; cyber risks; and the Financial Ombudsman Service's views on what constitute buildings and contents under household policies.

We hope that you find the articles of interest. Please contact us on info@realty.insurances.co.uk with any feedback.

REALTY INSURANCES - Realty Review
Technical Corner - Proximate Cause
In this instalment of Technical Corner, we examine the meaning of 'proximate cause' which insurers apply when trying to establish what actually caused a particular loss.
Importance of insuring for the correct amount
Energy Performance of Buildings
Although Energy Performance Regulations were brought into force in England and Wales between 2007 and 2009, we regularly deal with queries regarding the obligations these create, and so we have summarised these in this article.
Importance of insuring for the correct amount
What Constitutes Buildings and Contents
Policyholders are often confused about what constitutes buildings and what can be described as contents in household policies. We hope the following clarifies the position with respect to the most contentious items.
Importance of insuring for the correct amount
 
Unoccupied Buildings

Each year there are around 9,000 fires in empty buildings in the UK. Fire, theft and malicious damage in vacant premises cause losses in excess of £100m annually.

Importance of insuring for the correct amount
Cyber Risk
The loss of personal records is, regrettably, not an uncommon occurrence. Such breaches of privacy result in severe embarrassment and profuse apologies, but it never seems long before the next incident (often resulting from the simple theft of a laptop containing confidential information) arises to threaten the reputation of some company or...
Importance of insuring for the correct amount
REALTY INSURANCES - Realty Review