Whether you’re a property manager, commercial landlord or business owner, understanding your building insurance is non-negotiable. Yet many only realise their policy is inadequate after disaster [...]

There’s no getting away from the fact that the insurance industry is built on a gamble, that policyholder assets will not be compromised during the period of coverage.  As with […]

Sometimes, it’s generally seen as okay not to read the fine print – who has the time to trawl through every word of a streaming service update or the terms […]

Building Reinstatement Cost Assessments (RCAs) are essential for mitigating underinsurance risk. However, like any other valuation process, the information they provide is static – a [...]

A common question we encounter at Cardinus is, “If I base my insurance cover on the original development cost of constructing my property, isn’t that enough?” Unfortunately, the answer is [...]

Last year Cardinus identified a worrying trend in how people own and insure their properties. Our findings indicate the widespread issue of underinsurance among UK properties, putting property [...]

As a prominent provider of risk control surveys in the UK insurance market, Cardinus has observed the surprisingly low utilisation of pre-inception risk surveys within the industry. Despite [...]

Jamie Truscott takes a look at the case of The Clockhouse Inn and reveals how underestimating the impact of underinsurance can cause huge disruption to businesses If you’re a business owner [...]

Clandon Park had been in the Onslow family since 1641, a family noteworthy for having provided three Speakers for the House of Commons. However, the 4th Earl negotiated the transfer […]

As private individuals or as businesses involved in the property sector, our property is a significant asset and an asset that warrants protection via insurance. Similar considerations apply to [...]