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Robert Gerrard & Co Ltd

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Robert Gerrard & Co Ltd

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Robert Gerrard is a straight talking, reliable and long-standing family-run insurance brokerage wher

Robert Gerrard is a straight talking, reliable and long-standing family-run insurance brokerage where you’ll experience a truly personal, face to face service from friendly, helpful advisers with specialist knowledge. We are genuine, hard-working people who are here to help with all your insurance needs. We’ve developed our knowledge through decades of hands-on experience in the insurance industry and we’d like to become ‘your insurer’ for everything you need to protect – for your business, for your family and for you. Every piece of cover we arrange is tailored to the individual. Our policies come from some of the world’s best insurers and our rates are competitive. We look forward to speaking to you and to helping you with your insurance needs.

30/10/2026

⚠️ You've got business insurance in place. But could a simple mistake leave you facing an unexpected bill?

It's not always the obvious things that cause problems when making a claim.

Insuring equipment for its second-hand value rather than replacement cost. Declaring the wrong gross profit figure. Overlooking outdated information when renewing a policy.

These are just some of the mistakes that can leave businesses exposed, often without them realising until something goes wrong.

At Robert Gerrard, we've highlighted five common insurance mistakes, explaining why they matter and, more importantly, how to avoid them.

🔎 Could your business be making one of them?

Find out what to check before a costly oversight becomes a bigger problem:
https://ow.ly/eUwb5101Upg

28/10/2026

Is the business you insure today the same business you insured a year ago?
A lot can change in 12 months.

You may have taken on more employees, bought new equipment, moved premises, increased your turnover or started offering different products or services.

Perhaps you’re working with different types of clients, taking on larger contracts or operating in new locations.

Changes like these can alter your risk profile and affect the insurance your business needs. And you don’t necessarily need to wait until renewal to tell your broker that something significant has changed.

That’s one of the benefits of having an ongoing relationship with your insurance broker. They can understand how your business is developing and help make sure your cover develops with it.

So, ask yourself: what has changed in your business since you last reviewed your insurance?

If the answer is “quite a lot”, it may be time for a conversation.
https://robertgerrard.com/protecting-your-business/

19/10/2026

Heading out for Halloween or Bonfire Night? 🎃🎆

October and early November bring plenty of reasons to be out after dark. They also bring darker evenings and, on Halloween in particular, more people than usual approaching homes and front doors.

A few simple security habits are worth remembering:
🔑 Lock doors and accessible windows when you go out
💡 Use lights or timers so your home doesn’t look obviously empty
🚲 Make sure bikes and other valuables in sheds and garages are properly secured
📦 Don’t leave expensive items visible through windows
🏡 Check gates, sheds and outbuildings before leaving home

And if you’ve bought any particularly valuable items since you last reviewed your home insurance, make sure your cover still reflects what you own.

Enjoy the autumn festivities. Just don’t make things unnecessarily easy for an uninvited visitor.
https://robertgerrard.com/protecting-your-home/

14/10/2026

If you had to rebuild your commercial property today, would your insured value cover the cost?

The figure on your buildings insurance may have been set several years ago. But rebuild costs don’t stand still.

Materials, labour, professional fees and regulatory requirements can all affect what it would actually cost to reinstate a property after serious damage. If the insured value hasn’t kept pace, you could find yourself underinsured when you need your cover most.

A Reinstatement Cost Assessment (RCA) provides a professional assessment of the cost of rebuilding your property and can help you make sure the figure you're insuring reflects reality.

It’s particularly worth reviewing after significant alterations or refurbishment, or if your property hasn’t been professionally assessed for some time.

Our guide explains underinsurance, RCAs and the steps you can take to protect your business from an unexpected shortfall:
https://ow.ly/AuNz50ZVFeI

09/10/2026

Is your home ready for storm season? 🌧️

As autumn sets in, stronger winds and unsettled weather can quickly expose those little maintenance jobs that were easy to overlook during the summer.

Before the weather turns, it’s worth taking a few simple precautions:
🍂 Clear gutters and check downpipes
🏠 Look for loose or damaged roof tiles
🌳 Check trees and branches close to your property
🪴 Secure garden furniture, plant pots and other loose items
🚪 Make sure sheds, gates and fences are secure

It’s also a good opportunity to check your home insurance and make sure you understand what you’re covered for if storm damage does occur.

A little preparation now could help prevent a much bigger headache later in the autumn.

If you’d like to review your home insurance, Team RG is always happy to help:
https://robertgerrard.com/protecting-your-home/

02/10/2026

If you couldn't access your premises tomorrow, could your business keep operating?

A fire, flood or other unexpected event doesn't have to destroy a building to cause serious disruption. Sometimes simply being unable to get into your premises is enough.

💠 Could your employees work elsewhere?
💠 Could you access essential systems and records?
💠 Could customers still contact you?
💠 How long could you manage before lost trading began to hurt?

Business continuity planning isn't about predicting exactly what will go wrong. It's about understanding the things your business depends on and having a plan if one of them suddenly isn't available.

Insurance, including appropriate business interruption cover, can be part of that picture. But knowing how you'd respond matters too.

👉 Talk to Team RG about protecting your business:
https://ow.ly/sfRl50ZJLXS

25/09/2026

After one of the hottest and driest summers on record, flooding might not be the first weather risk on your mind.

But drought and flooding are more closely connected than you might think.

After prolonged hot, dry weather, very dry or hardened ground can struggle to absorb sudden heavy rainfall. Instead, water can run rapidly across the surface, overwhelming drains and increasing the risk of surface-water and flash flooding.

And you don’t need to live beside a river to be affected.

In our latest article, we look at why the transition from drought to heavy rain matters, and the practical steps homeowners and businesses can take to prepare.

Because we can’t control what the British weather does next. But we can be better prepared for it.

Find out why drought can increase flood risk and what you can do to prepare:
https://ow.ly/JH4E50ZQMQA

21/09/2026

The dog ate it. But will your home insurance cover it? 🐕

From scratched doors and chewed furniture to an enthusiastic tail sending the television flying, our pets can occasionally prove rather expensive.

It's easy to assume accidental damage caused by pets will automatically be covered by home insurance. But that's not always the case.

Policies vary, and some exclude damage such as scratching, chewing, fouling or other damage caused gradually by domestic animals. Even where you have accidental damage cover, exclusions can still apply.

The moral of the story? Don't wait until the Labrador has redesigned the sofa to find out. 😉
Check your policy or ask your broker what is and isn't covered.

👉 Find out more about protecting your home:
https://ow.ly/A8YP50ZJLVF

16/09/2026

How dependent is your business on one or two key people?

It might be the founder who holds important client relationships. The technical expert whose knowledge is difficult to replace. Or the person who seems to know how absolutely everything works.

If they were suddenly unable to work, what would happen?

The impact can go well beyond losing one pair of hands. Projects may be delayed, client relationships disrupted and revenue affected while the business finds a way forward.

It's worth identifying where your key-person dependencies lie and thinking about how the business would cope before there's a problem.

Insurance can form part of that planning, but so can succession, knowledge sharing and sensible contingency arrangements.

👉 Talk to our Commercial Team about the risks facing your business:
https://ow.ly/bEC550ZJLUU

07/09/2026

Working from home? When did you last check your home insurance? 🏠💻

For many of us, working from home is now completely routine. But if the way you use your home has changed, it's worth checking whether your insurance has kept up.

Things your insurer may need to know about can include:
💻 Expensive business equipment
📦 Stock or business goods kept at home
👥 Clients or other business visitors coming to the property
🏠 Using part of your home primarily for business purposes

Some equipment may be covered under your home insurance, while other risks may require separate business cover. It depends on your circumstances and your policy.

If you're not sure what's covered, it's much better to find out now than when you need to make a claim.

👉 Talk to Team RG about protecting your home:
https://ow.ly/gjKn50ZJLUc

Address

144 Station Road
Chingford
E46AN

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Telephone

+442085293333

Website

http://www.robertgerrard.com/

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