Insurance News & Guides
Expert advice and guides on business insurance from the Moyak team.
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How to Secure Better Terms for Business Insurance in Essex (And Save a Fortune)
If you are running a business in Essex right now, you already know that everything is getting more expensive. From the utility bills at your shop in Southend to the fuel costs for your fleet in Chelmsford, the “cost of…
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Why New Safety Laws Will Change the Way You Handle General Contractor Liability Insurance
I’ve been in the insurance business for a long time, and if there’s one thing I can tell you for certain here in 2026, it’s that the construction landscape is unrecognisable compared to five or six years ago. If you’re…
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PI Vs Public Liability: Which Is Better For Your Construction Contractor Insurance?
If you have spent any time in the UK construction industry, you know that the phrase “Are you covered?” is as common as a morning tea break. But when I sit down with contractors to look over their portfolios, I…
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7 Mistakes You’re Making with General Contractor Liability Insurance (and How to Fix Them)
Running a construction business in the UK, particularly in high-demand areas like London and Essex, is a balancing act of logistics, labour, and legislation. As a director or project lead, you’re likely focused on the physical progress of your sites:…
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Why the 2026 IR35 Rules Will Change the Way You Handle Construction Contractor Insurance
As we sit here in the spring of 2026, the landscape for the UK construction industry has shifted once again. For those of us who have been navigating the complexities of off-payroll working rules for years, the changes that came…
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Why the 2025 Employment Rights Act Will Change the Way You Look at General Contractor Liability Insurance
If you’ve been operating in the London or Essex construction sector for any length of time, you’ll know that the goalposts don’t just move: they occasionally get dug up and replanted in a different stadium. That is exactly what has…
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10 Reasons Your General Contractor Liability Insurance Isn’t Enough (And How to Fix It)
In the construction world, we often talk about insurance as if it’s a “set it and forget it” box to tick. You get your General Contractor Liability Insurance, you hand the certificate to the project manager, and you get to…
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Looking For Construction Contractor Insurance? 5 Things You Need to Know Before the October 2026 Building Safety Levy
With April 2026 already underway, the construction industry is staring down a significant deadline. The Building Safety Levy is set to go live on October 1st, 2026, and if you are currently looking for construction contractor insurance, this isn’t just…
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How Construction Insurance Premiums are Calculated in 2026: A Contractor’s Guide
Alias: how-construction-insurance-premiums-are-calculated-2026-contractors-guideCategory: BlogScheduled Date: Thursday, 16 April 2026, 6:00 PM For any contractor working across Essex or London today, looking at an insurance renewal quote can sometimes feel like trying to read a blueprint in the dark. You see a…
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How to Avoid the Biggest Construction Contractor Insurance Pitfalls (and Lower Your Premium)
In the construction world, we often talk about the “foundation.” If the footings are off by even an inch, the rest of the build is compromised. I see the exact same principle applied to Construction Contractor Insurance. Far too often,…