A Guide to High Net Worth Home Insurance

In this blog, we’ll explore the factors that affect the lifespan of thatched roofs, and why it’s beneficial to get thatched property insurance for your home

When taking part in high-risk activities, it’s important to make sure you’re properly covered

We're delighted to announce that the Youth Adventure Trust (YAT) has been awarded a grant of £20,000 to support their expansion into the Somerset region.

Almshouse charities have been a part of the UK social landscape for over 1,000 years

Working in asbestos removal requires comprehensive protection against the risks involved

At Higos, we’re delighted to announce our Higos branches have raised an impressive £636 for Movember.

Self-employed carers insurance can make all the difference for protecting yourself, your clients, and your business

As an asbestos removal contractor, knowing when to leave asbestos in place is a key consideration

If employees are required to travel for work, their employers have a duty of care

At Higos, we’re delighted to announce our branches hosted a fundraising day by wearing fancy dress costumes in support of BBC Children in Need.

At Higos, we’re delighted to announce teammates from our Higos branches have raised an impressive £496 so far for Movember.

Whether you’re beginners lessons or hosting experienced games, it’s important to know what you’re covered for with your shooting club & archery range insurance.

From insurance requirements to funding and eligibility, our charity experts are answering your frequently asked questions on the subject of almshouses.

At Higos, we’re delighted to announce several teammates from our Higos branches will be growing their moustaches for Movember.

When considering insurance for shooting clubs, it’s vital to understand exactly what your insurance cover includes, and what it doesn’t

Becoming a landlord can be a rewarding investment, but it comes with its responsibilities

Thatched house covers the unique risks of thatched roof homes

It can be intimidating taking out a new policy of any kind for your business, especially if you’ve not ventured into management liability cover before

If you’re a small business owner, you may be wondering what kind of insurance you need

Whether your trip is two days or two months, if you’re travelling, you need to make sure you’re covered

There are many things that can affect your insurance premiums, but how can you reduce the cost of your motor trade insurance without compromising on cover?

Contractors all risk insurance protects you against losses as a from loss or damage to construction projects

Does a standard landlord insurance policy cover short-term holiday lets or do you need a specialised holiday rental policy? Our experts are on hand to explain.

Contractors in the building trade face a broad range of risks

Road risk insurance is the minimum legal covered required for those in the motor trade, but is it enough cover for your business? Find out more on our blog.

Two key types of commercial insurance are professional indemnity insurance & management liability insurance

If you’ve ever wondered what a thatch roof insurance survey is, and why it’s important for your property, you’re in the right place

Commercial liability insurance can be hugely important for some businesses but less so for others

Since most damage comes from residents, this poses an important question: does landlord insurance cover tenant damage? Our experts are here to explain.

What influences the insurance market and your personal or commercial insurance quotes? Find out what affects your insurance premiums in our latest article.

From broken boilers to tenancy agreements, carpet cleaning and beyond, the lines between what are landlord’s responsibilities and what aren’t can be blurry

Asbestos insurance coverage is a key component of an asbestos contractor’s work

Motor trade insurance covers auto businesses, from showrooms to garages & mechanics

At Higos, we’re delighted to announce 56 teammates, along with their friends and families and insurer partners participated in the Higos Hike challenge.

Medical malpractice insurance is one of the most important components of protecting a care provider’s practice

Do asbestos contractors need their own asbestos insurance, or is this covered by a commercial property’s building insurance? Learn more with our guide.

No matter whether you’re running a game shoot for one person, or a group of twenty, having the right game shooting insurance is vital for a successful event.

Car insurance premiums in the UK have increased over the years

Whatever your trade, you need the right insurance cover

Your care home’s CQC rating can have a big impact on the cost of your care provider insurance

While management liability insurance is essential for most businesses, coverage can differ a lot between companies of different sizes

At Higos, we’re delighted to announce the relocation of our Devizes branch to a larger and modern premises adjacent to the main A361 road, leading to the Devizes town centre.

At Higos, our goal this year is to get "moving more for our mental health" and we certainly have been moving more! 

At Higos, we’re delighted to announce our Higos branches raised over £250 by participating in "Wearing it Green" on Thursday 16th of May.

Shops are susceptible to a range of risks, so how do you find the right shop insurance? We’re exploring the benefits of going to a specialist insurance broker.

As specialist motor trade insurance brokers, we know a thing or two about finding the right level of cover

An effective solution to mitigate risk for contractors is with Contractors All-Risk Insurance - but what does it cover? Read on or contact us on 01458 270323 for more information.

How can you best protect your business premises? Specialised office insurance can help

Scaffolders face plenty of risks – but having incorrect insurance shouldn’t be one of them! Call us 01458 270323 for more info on our scaffolders insurance.

Does landlord insurance cover the property, your rental income, or appliances? Find answers to these questions and more in our let property insurance guide!

If your business operates with reduced hours, the need for motor trade insurance may seem less significant

As an engineer, safeguarding your financial stability and standing is essential

The potential risks of working with asbestos can be significant, but asbestos insurance exists to mitigate the financial impact

At Higos, we understand when your home insurance is due for renewal, understand why the premium may have increased.

Commercial liability insurance is often essential, but a one-size-fits-all policy is never the best approach

Care homes in the UK face a unique and daunting set of challenges, making care home insurance essential

Both Management Liability Insurance and Directors & Officers Insurance play critical roles for businesses – so which policy do you need? Our experts explain.

Choosing the right shop insurance is likely to be one of the more important decisions for your business

Motor trade insurance protects against the unique risks of the motor trade, but are these risks applicable to your own business? Explore who might need cover.

What is professional indemnity insurance, and at what point do you need to get this type of cover for your small business? At Higos, we’re here to help.

With a number of differences between small and large businesses, understanding the liability insurance you need can be tricky

One question that often arises is whether commercial liability insurance is a legal necessity in the UK

Professional indemnity insurance for counsellors and therapists is easily overlooked but is nevertheless essential

At Higos, we offer a personal, bespoke service to protect your business against a wide range of cyber threats

Whether you’re a seasoned care provider or just starting out in industry, our experts are exploring the essential insurance for carers you should consider.

At Higos we understand to preserve and protect the value of your classic or antique car during winter it’s important to take proper precautions as the colder temperatures could cause damage to rare parts.

If you work in management, management liability insurance is essential to keep your protected

At Higos, we’re excited to announce we’ve been awarded Feefo’s 2024 Gold Trusted Service Award for excellence in customer service during 2022!

Care home insurance is a type of commercial insurance cover that meets the unique needs of care providers

At Higos, we’re delighted to announce the relocation of our two Plymouth branches to a larger premises in the stannary town of Plympton.

At Higos, we understand by 2035 the government plan for all new cars to be sold as electric vehicles to help reduce emissions and stop climate change

At Higos, we’re excited to be using Feefo the world’s largest verified reviews provider - to fund tree-planting projects in return for the honest feedback our customers leave us.

From commercial insurance providers to Chartered Insurance Brokers, where’s the best place to get social club insurance? Our specialist insurance team explain

From reviewing your commercial building insurance to checking for structural damage, preparing for autumn is essential

Prepare for the colder months with our autumn home maintenance checklist

With the risk of theft, fire or accidental damage, taking out contents insurance for students can be a good idea for university

At Higos, we understand when it comes to buying insurance the process can be overwhelming

Which industries, businesses, and individuals stand to benefit most from taking our management liability insurance? Our commercial insurance experts explain.

At Higos, we’re committed in supporting our charity partner the Youth Adventure Trust (YAT)

Commercial liability insurance is vital for protecting your business from losses

At Higos, our staff have been busy baking delicious cakes and treats to help support the Macmillan Cancer Support Coffee Morning

Do you need to consider business travel accident insurance on top of your employers’ liability? Learn the difference and find the best policy with our guide.

Businesses have varied needs when it comes to business travel insurance, so choosing a policy can be tricky

At Higos, we’re proud to announce we have donated 10 bags filled with essential food items to the Martock food bank who recently experienced a break in.

At Higos, we're proud to announce Ben Hilton has won a framed SCCC Metro Bank 2023 Championship Shirt signed by James Rew

At Higos, we understand Business Credit Insurance can be an important tool to help provide businesses with replacement working capital if their customers fail to pay for the goods or services they've received

Political clubs often run events, but it can be unclear whether these are included in a political club insurance policy

Care homes face a range of risks that can impact their operations and financial stability

At Higos, were proud to announce we have been selected as one of the winners for the Insurance Business, IBUK 5 Star Brokerages award.

Higos are delighted to announce we have become finalists for the Aviva Community Fund out of an incredible 166 entries.

At Higos, we’re proud to sponsor and judge the Medium Business of the Year at the Somerset Business Awards 2024.

On the 1st and 3rd of August, team members from our Higos Clevedon branch had the wonderful opportunity to utilise their company volunteer day by supporting their local charity Freeways

Sports club insurance is essential for clubs to protect against unforeseen events and potential liabilities

At Higos, we’re proud to be donate £300 towards a new children’s assault course for the Barton Saint David Village and Playing Field Charity.

At Higos, we're proud to announce after receiving 115 entries, Liam Screech who entered into our free prize draw and at random was chosen our winner

We understand typical travel insurance may not be suitable for those with a higher net worths

At Higos, we would like to congratulate the team for their tremendous win and achieving the first Vitality blast Trophy since 2005. 

At Higos, we understand going away on a much needed holiday can be a very exciting time

On the 15th July a few of our Higos staff participated in the first ever Beacons challenge by hiking 23km up the Brecon Beacons in Wales.

Business insurance is not a one-size-fits-all solution

Professional indemnity insurance has become a crucial safeguard for a range of businesses

Social clubs have their share of risks and dangers

At Higos, we understand we live in an incredible litigious society and claims of wrongdoing or legal action against Directors & Officers and companies are becoming progressively more common

Political clubs are a major part of our community, but finding the right insurance can be tricky

Do you own an unoccupied or vacant building? Learn how specialist unoccupied property insurance can protect you from the likes of theft, fire, and water damage.

Travel has become an integral part of the way many companies operate, but business travel insurance can be confusing

In support of World Oceans Day, our Bude office has truly made a difference by utilising their Company Volunteer Day by spending the afternoon cleaning up rubbish at their local beach

At Higos, we understand renovating your property is an exciting time, but the risk of something unexpected happening to your home and contents can increase substantially

At Higos, we understand that every Listed Building is unique and there’s nothing we love more than finding you the right insurance for your unique property.

While both public liability and professional indemnity insurance are similar, there are differences between the two

When going on a trip, it’s important to know the difference between personal and business travel insurance

You may be aware that owning a property with a thatched roof requires specialist thatched roof insurance, but how much is this likely to cost? Find out here.

At Higos, we’re proud sponsors of the SCCC (Somerset County Cricket Club) and SCF (Somerset Cricket Foundation), we're also delighted to be supporting the Somerset Cricket Museum

There are a few key differences between regular travel and ski travel insurance

Travelling can be a great way to explore new places, but knowing if you need high-risk travel insurance can be tricky

Will regular house insurance cover a thatched property? Find answers to this question and much more in this guide from our thatched home insurance experts.

Your business could risk a range of costs without the right cover in place

If employees are required to travel for work, their employers have a duty of care

While thatched houses have their benefits, finding thatch insurance can often be all too tricky

At Higos, we understand every business takes risks, we also know how important it is to manage these risks effectively to ensure the safety of your business

At Higos, we’re delighted to announce we have a new partnership with techSPARK, the largest connected tech community network in the West and Wales.

Personal liability insurance protects you and your family from third party damage & injury that happen in your home or may be caused by you

At Higos, we would like to thank the Youth Adventure Trust for inviting us along to one of their "Giving Back" Pathway days

Non-standard construction home insurance refers to a policy that covers non-standard properties

Every home is unique, but what determines a building into a non-standard construction? Find out how this could affect your non-standard building insurance here.

Higos continue to pledge support the Somerset Cricket Foundation for 2023

Higos Partner with Youth Adventure Trust to take on the Brecon Beacons challenge

Higos to pledge support the Somerset Cricket Foundation Women's Tournament with the Higos 100

At Higos, we’re always looking for ways to improve our service and help protect you and your business from the increased risk of underinsuranc If you’re interested in speaking to a chartered insurance broker to help protect your business property from under insurance call on 01458 270323e.

At Higos, we offer a personal, bespoke service to protect your business against a wide range of cyber threats

At Higos, we’re excited to announce we’ve been awarded Feefo’s 2023 Gold Trusted Service Award for excellence in customer service during 2022!

Insuring a high value property doesn’t have to cost the world

The best time to take out travel insurance is as soon as you buy your holiday

Winter can be a dangerous time for thatch fires

Monster Slip & Slide had a difficult road finding the right commercial insurance when first starting out

We are constantly looking for ways to provide clients with better cover

Higos are dedicated to finding the best insurance policy for you

At Higos, we are always striving to find the best cover

Flood risk home insurance protects you from financial loss if your home floods due to living by the coast or in other high risk flood areas

Announcement of the Somerset Country Cricket Club competition winner supporting the Somerset Cricket Foundation with donations

Bespoke care providers insurance means that you can do your job without worrying about being underinsured

Higos Insurance Services Ltd have partnered with Wiser Academy to take on 8 new insurance apprentices

Being a domiciliary carer is a complex role that requires an extra level of protection for yourself

Finding the best thatched property insurance can be a daunting task, but there is a solution

We explored how new car supply chain issues have affected the motor trade and general motor insurance industry premiums

Find out more about the benefit of using a chartered insurance broker

Higos Insurance support the Somerset Cricket Foundation with a donation for every new policy

From thatched roof insurance to public liability cover, thatched pubs often require a complex policy

From roof maintenance to finding the right thatched house insurance, thatched properties come with a number of questions

It might be no surprise that a thatched roof needs its own thatched home insurance, but what does this cover? Find specialised thatch insurance with our guide.

Find out more about GAP Insurance and how it can help you if you currently have a vehicle on a finance agreement or lease

Higos become Official Partner with Somerset Cricket Club for 2022

Higos have been awarded Chartered Status

Higos Insurance Commercial Broker Winner 2021 for outstanding NPS customer satisfaction score and continued growth for a Business Insurance Broker

Jack Clotworthy from our Somerton branch has raised an incredible £700 for the Breast Cancer Unit Appeal.

Our staff have dressed to impress wearing pink and have a vast selection of lovely cakes to sell.

The Higos Bridgwater branch takes part in the Bridgwater Guy Fawkes Carnival Mask trail to display a beautiful mask in our office window.

Higos are very excited to be attending our first CIU Trade show this year at the Norbeck Castle Hotel in Blackpool.

Our Bridgwater team has chosen our luxury hamper winner

At Higos, we’re very proud to announce our Higos staff completed the 3 Peaks Challenge raising over £5250!

Our Bridport Higos team were delighted to have a stand at the 130^th Agricultural Honiton Show.

We’re very proud to be supporting two of our Higos staff who have challenged themselves this weekend to complete the 3 peaks challenge.

Higos Bridgwater Team attended the Bridgwater Food & Drink Festival

Our Clevedon branch are proud to be sponsoring The Clevedon Cricket Club.

Jack Clotworthy from our Somerton branch will be running the London Marathon on the 3^rd October 2021 with an aim to raise £2500 for the Yeovil District Hospital NHS Foundation trust.

We’re proud to announce Higos have joined the Children’s Hospice South West’s (CHSW) business club, to help and support them in their 30^th anniversary year.

Storm Christoph has wreaked havoc across the UK, bursting open river banks causing severe flooding to homes, abandoned vehicles stranded in flood water and properties evacuated due to the severity of the flooding.

On Friday the 15^th January, The Supreme Court upheld the judgement on the Financial Conduct Authority’s business interruption test case.

Do you have the right HMO landlord insurance? Following our tips and using a chartered insurance broker like Higos, you can be sure you are properly protected.

Global Health Insurance Card (GHIC) Replaces The European Health Insurance Card (EHIC)

Covid-19 - Higos Contact Details for Clients January 2021

Learn more about how Brexit will impact your personal insurance and commercial insurance policies

Here is a video clip of our Bridport branch manager Elaine sharing how pleased they are to be sponsoring retail business of the year in the 2021 Bridport Business Awards.

As the COVID-19 situation continues to develop and the introduction of Tier 4, we want to keep our travelling clients up to speed with the changes that will impact them. The FCO has issued a new travel advisory notice for British nationals going to or from Tier 4 areas.

Higos Agency Christmas message from our Managing Director Matthew Hartigan.

A Higos Christmas message from our Managing Director Matthew Hartigan.

Our staff have taken part in Christmas jumper day to help raise money for Save the Children UK.

We are delighted to announce the majority of our offices have re-opened their doors again to our clients as of the 2nd of December.

If your planning to travel in the EU on or after the 1st January 2021 you may no longer have access to free emergency medical insurance within the EU and without travel Insurance you could be charged for your healthcare needs.

We’re very proud to have supported Jessie May over these past 2 years and have helped raise £7718, helping to care for many of the families they have on their caseloads.

We are delighted to announce our new Partner Charity that we will be working closely with during in 2021/2022 will be Mind in Somerset.

We're proud to have sponsored the Bridport Business Awards this year it’s been an exciting new opportunity.

Given the current travel restrictions, whilst driving your car abroad may seem like a wishful thought it is important to note that as of the 1^st January 2021 the requirements for driving in the EU will change. You may need a green card to show you’re covered for some countries. 

As the Government advice develops further in relation to COVID 19 we can confirm that with effect from today, our branches will be closed to the public.

As of the 30^th of October 2020 our Dursley & Yeovil branch has officially closed and won’t be reopening its doors again, all clients can discuss their policies by contacting the following branches.

During the Autumn and Winter months, property owners and occupiers face a number of increased risks. Large escape of water losses are especially common, with wintry conditions and freezing temperatures leading to burst pipes, cracked water tanks and blocked drains.

The High Court sat in session on the 2^nd October 2020 to hear submissions from Insurers seeking leave to appeal the judgement that was handed down on the 15th September 2020.

Chris has over 30 year’s experience in the insurance industry, most recently with Jelf/Marsh Commercial.

No two business premises and their rebuild costs are ever identical. That’s why to ensure your building is adequately protected we recommend our affordable and efficient Rebuild Cost Assessment (RCA) service.

As we start to see the easing of lockdown with more and more businesses being able to return back to work, our complimentary offer will be coming to an end in August.

We love different

We are pleased to announce we are now able to offer existing travel insurance for renewals and new travel insurance quotations however with specific restrictions in place and in accordance to the FCO travel advice.

The Coronavirus lockdown has created a high risk environment with increased likelihood of legal action against Directors and officers relating to breaches of Health and Safety regulations and employment law.

COVID-19 and the effects on the Care Sector

Our Bridport branch are delighted to be working with the Electric Palace. This unique 1920s theatre is a fantastic community asset offering a broad range of live entertainment including comedy, theatre and music, alongside local theatre productions and films for all ages.

At Higos we’re delighted to offer our new bespoke risk management service solution, on a complimentary basis, to all of our commercial clients and prospects for the next 3 months or until the current restrictions have eased sufficiently.

We are delighted to announce our new bespoke Business essentials commercial insurance package for the leisure sector, including retail, restaurants, hotels, guest houses, social clubs, take aways, hair and beauty, night clubs and pubs.

Our Higos charity committee have donated £500 to Jessie May to help continue their support, but to add a little bit of extra fun our Higos staff spent the day working from home wearing fancy dress outfits, all in aid of our partner charity Jessie May.

Our Bridport staff have shown great community spirit during these difficult times and provided care baskets to some of Bridport’s local key workers and families.

At Higos we love different and insuring the Lyme Regis Marine Aquarium is certainly different!

At Higos we love different and insuring the Trinity House in Axminister is certainly different!

The Covid-19 pandemic has reshaped all of our lives, our Higos staff are currently working hard at home and can still receive all incoming calls and emails with our clients queries in the usual manner.

Higos have reviewed our stance on the current Covid 19 pandemic for obtaining new and renewing travel insurance policies. At this time Higos will remain unchanged and are currently unable to issue any new or renew any travel insurance policies.

As the Government advice develops further in relation to COVID 19 we can confirm that with effect from today, all of our staff are now enabled to work from home. This means that all incoming calls will be answered and all queries by email can be dealt with in the usual manner.

The FCO have advised against travel and Higos are currently unable to issue any new travel insurance policies. We will review this on the 31^st of March 2020 unless anything changes in the meantime,  and once reviewed, we will update our customers and continue to keep them updated as things change.

The FCO has issued an exceptional travel advisory notice.

As the COVID-19 situation develops, we want to reassure our clients that Higos has deployed business continuity plans to minimise the impact on the wellbeing of our staff, Clients and their families whilst continuing to deliver a high-level of service to our customers.

According to health experts, coronaviruses are common in animals

Higos is part of Brown & Brown, one of the largest independent insurance intermediaries in the UK providing market strength and support with a wide range of resources and expertise.

Kerry from our Higos Plymouth branch started cycling 382KM from Vietnam to Cambodia, all in aid of our partner charity Jessie May.

All of our offices took part in Wear it Pink for Breast Cancer, they helped raise money by dressing down, baking & selling cakes and wearing pink.

You may have noticed that Higos looks a little bit different. That's because 'different' is at the heart of everything we do. 

It has to be Higos for all the latest insurance news and views.

As the 3rd national lockdown prepares to come to an end and businesses can return as early as the 12th April, it’s important for your clients to be aware of their unoccupied property conditions.

The Insurance Group COVID-19 & Business Continuity Plan Client Update.

Find out why it’s important for your clients to have commercial insurance

Higos are dedicated to finding the best insurance policy for you

Business travel insurance is an essential part of many contractors’ roles

Taking out a sports club insurance policy doesn’t need to be daunting

From handling repairs to securing landlord insurance, managing a rental property isn’t easy

It’s common knowledge that premiums for thatched roof insurance can be at a higher price point than those for other types of homes – but why is this the case?

Five reasons why you should choose Higos to help with your commercial liability insurance – because for comprehensive business insurance, it has to be Higos.

We're delighted to announce 60 teammates from our Higos branches and a few of our insurer partners gathered together to participate in our Higos Bath rounders tournament day.

Standard insurance policies often fall short in providing the necessary protection for high-worth individuals