Insurance News & Guides
Expert advice and guides on business insurance from the Moyak team.
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Are You Ready for October 1st? Your Quick-Start Guide to the 2026 Building Safety Levy
If you have been working in the construction or development sector in the South East lately, you have likely heard whispers about the new Building Safety Levy. It has been a topic of much discussion in boardrooms from Chelmsford to…
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5 Steps to Update Your Sum Insured and Beat the 2026 Material Price Hike (Easy Guide for Construction Contractor Insurance)
It’s July 2026, and if you’ve been on a site anywhere in Essex or London lately, you don’t need me to tell you that the cost of doing business has changed. I was chatting with a local contractor in Chelmsford…
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10 Reasons Your Small Business Insurance Isn’t Working (And How to Fix It)
I’ve sat across the desk from hundreds of business owners over the years, from freelancers in London to site managers running Construction Contractor Insurance programs in Essex. There’s a common theme that always crops up: most people treat their insurance…
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5 Costly Underinsurance Traps Contractors Are Falling for in 2026 (And How to Avoid Them)
I’ve spent a lot of time recently looking at renewals for our clients across Essex and London, and I have to say, the construction landscape in 2026 feels a bit like a minefield. It’s not just that the rules have…
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How to Choose the Best Construction Contractor Insurance in 2026 (Compared)
If you are running a construction firm in 2026, you already know that the landscape has shifted. We aren't just dealing with rising material costs anymore; we are navigating a tighter regulatory web than ever before. Between the full implementation…
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How to Choose the Best Construction Contractor Insurance in 2026 (Compared)
If you are running a construction firm in 2026, you already know that the landscape has shifted. We aren't just dealing with rising material costs anymore; we are navigating a tighter regulatory web than ever before. Between the full implementation…
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Construction Contractor Insurance Secrets Revealed: What Experts Don’t Want You to Know About the 30-Year Tail
If you’ve been following our recent discussions on Design & Build (D&B) insurance, you’ll know that the landscape for contractors has shifted significantly over the last couple of years. But while many brokers are happy to talk about your current…
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How to Choose the Best General Contractor Liability Insurance (Compared for Design & Build Projects)
If you have been in the construction game for more than a few years, you have likely noticed a massive shift in how projects are being awarded. The traditional "design-bid-build" model, where an architect draws it and you just build…
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2. Sticking with the Bare Minimum Public Liability I see this a lot with smaller firms in Kent and London. You pick a £2 million or £5 million limit because that’s what the contract asked for. But in a world…
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10 Reasons Your Construction Contractor Insurance Isn’t Working (And How to Fix It)
If you’ve been in the construction game as long as I have, you know that the "peace of mind" a certificate of insurance provides can be incredibly fleeting. I’ve spoken to dozens of contractors across Essex and London recently, and…