FCA Business Interruption Test Case Judgement

The clarity we have all been waiting for has, to some extent, been provided by the recent High Court decision but, as anticipated, it’s a mixed range of outcomes. The insurers we work with are all individually considering their positions and their response to the ruling including a possible appeal and the effect the ruling…

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Our next move…

In 2011 Farmers & Mercantile became part of the Lycetts Group and since then we have worked increasingly closely with our parent company. During this time much has changed, both in agriculture and the insurance world. After careful consideration we have decided to fully merge Farmers & Mercantile with the Lycetts brand allowing us to…

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Reporting COVID-19 related issues to the HSE

As many businesses now begin to return to some form of operation one of the many issues that has arisen relates to reporting requirements for the Health and Safety Executive (HSE). Dangerous occurrences The HSE states a dangerous occurrence happens when an unintended incident at work has led to someone’s possible or actual exposure to…

Pedigree Bull sales

As the Pedigree Bull sales are not able to happen we expect to see a higher number of Bulls than normal sold privately.  Insurers are adapting to accommodate the restrictions and they can accept insurance for bulls valued up to £10,000 with a declaration of health signed by the insured. For bulls valued over £10,000…

5 key pledges from ABI Home and Motor Insurers

The Association of British Insurers Motor and Home insurers have announced five key pledges in light of the national response to Covid-19. 5 Key Pledges Support those who need to make a claim. Insurers have implemented business continuity plans and work closely with service providers to do everything possible in these challenging circumstances to continue…

unoccupied properties during Covid-19

Temporarily closed or unoccupied properties during Covid-19

Guidance for managing temporarily closed or unoccupied properties during the COVID-19 pandemic. With the advent of the COVID-19 pandemic in the UK many organisations are implementing contingency plans such as home-working, skeleton staffing, social distancing and cleansing regimes to maintain operations.However, for some organisations this is not possible, and following the latest government advice some…

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Covid-19 Update

We fully appreciate that your first priority will be dealing with how Covid-19 may impact upon you, your family, your people and your business. In these uncertain times we will continue to look after our clients to the very best of our ability dealing with the inevitable disruption as smoothly as possible. We have a…