Rigby Financial

03/11/2026

🚨 Today's warning from the UK's National Cyber Security Centre (NCSC) makes for a sobering read.

With AI expected to increase the scale and speed of cyber attacks, UK businesses are being urged to take cyber security more seriously than ever.

Here's something every business owner should be asking themselves...

If your business was hit by a cyber attack tomorrow, could you afford the consequences?

From ransomware and data breaches to business interruption, lost revenue and reputational damage, the impact can be significant – and businesses of all sizes are potential targets.

Having strong IT security is essential, but it's equally important to consider what happens if the worst does happen and how you would recover.

🔐 Does your business have appropriate cyber insurance in place?

Cyber insurance can help with the costs of recovering from an attack, including data breaches, ransomware incidents and business interruption. Many policies also provide access to specialist IT, legal, and crisis management support when you need it most.

At Rigby Financial, we can help you understand your options and find cover that reflects your business's risks and needs.

Don't wait until you're dealing with an attack to discover you're not adequately protected. Get in touch with the team today for a chat (with an actual human!) about your cyber insurance arrangements.

29/10/2026

Let’s face it, no one likes paying for insurance - but having the right cover in place isn’t an elaborate trick designed to make you part with money.

The truth? Insurance doesn’t just safeguard your business. It protects your finances, your future, and ensures you meet legal obligations.

Think less ‘necessary evil’ and more ‘essential armour’.

😱 The only scary part?

The risk of going without it.

According to a report published by HISCOX*, it’s estimated 55% of small businesses are missing at least one essential type of cover, while 24% admit to waiting until they’re making a profit before purchasing insurance!

But leaving your business exposed is a frightening game of chance.

👻 Don’t let a lack of cover come back to haunt you!

We know paying insurance premiums can feel like money going out for something you might never need. But if the unexpected happens and you’re forced to make a claim, we guarantee you’ll be glad you did.

Want to feel confident your business has the right protection in place? Contact the team today.

📞 01744 886 077
📧 [email protected]

* HISCOX Protection Gap report - https://www.hiscoxgroup.com/sites/group/files/documents/2025-11/23184

20/10/2026

The recent warm weather may have lulled us into a false sense of security, but with the UK’s first named storm of the season due this week, it’s time to prepare.

And the best time to do it? Before the storm is even on the forecast.

Whether you’re already battening down the hatches or just getting started, here’s our quick-fire guide to weathering a storm.

BEFORE: Prepare
⛈️ Know your risks – identify where your business could be vulnerable to storm damage.
⛈️ Have a plan – make sure your team knows what to do and have a business continuity plan ready.
⛈️ Secure your premises – clear gutters and gullies, fix weak spots and secure loose stock, equipment and outdoor items.
⛈️ Protect your data – back up important files, keep electrical equipment off the floor and consider surge protection.
⛈️ Check your cover – speak to your insurance broker to understand whether your business is adequately protected.

DURING: Stay safe
⛈️ Stay informed – monitor weather forecasts and updates from emergency services and sign up for flood warnings from the Environment Agency.
⛈️ Know your utilities – make sure you know how to safely shut off your gas, water and electricity if needed.

AFTER: Recover
⛈️ Put safety first – check your premises are safe before returning. Photograph any damage when it’s safe to do so to help support an insurance claim.
⛈️ Clear up carefully – remove debris and standing water only when it’s safe.
⛈️ Get back to business – once it’s safe, put your business continuity plan into action.

A little preparation now can make a big difference when severe weather strikes.

Want to feel more confident about your cover? Speak to our team today.

16/10/2026

As an independent insurance broker, we believe the best way to understand a business is to get out from behind our desks and see it in action.

Which is why we recently headed down to London to visit the brilliant team at La Cage - Brasserie Sportive Kensington and check out their first UK location.

And, of course, no thorough client visit would be complete without a little on-the-ground research… which is why we can confirm the burgers are just as impressive as the venue!

Getting to know your business properly? We take that very seriously. The lunch menu? Equally so. 😉

13/10/2026

Flooding is one of the biggest risks facing UK businesses - and the impact can go far beyond building damage.

Lost stock, damaged equipment, interrupted operations and unexpected downtime can all affect your ability to keep trading.

And with forecasters warning of the potential for ‘Super El Niño’ to bring more extreme weather, seems like a good time to review your business’s flood plans and put proactive measures in place.

Here are 5 practical steps to consider:
🔹 Review your flood risk and identify vulnerable areas of your premises
🔹 Check drainage systems and maintain gutters and external areas
🔹 Raise valuable stock, equipment and important documents away from floor level
🔹 Make sure you have an emergency response and business continuity plan
🔹 Review your insurance cover, including business interruption protection, to understand what is and isn’t covered.

No one can control the weather, but by putting practical measures in place, you can help minimise damage, reduce disruption, and support a faster recovery if severe weather strikes.

Want to review your business’s flood risk and insurance cover? Get in touch with the team for a conversation.

07/10/2026

It is with a very heavy heart that we share the sad news of the passing of Ralph Rigby, founder of Rigby Financial.

Although Ralph had retired, he remained a much-loved and important part of the business he started from his spare room back in 1980.

His values and the foundations he put in place have shaped the business into what it is today and remain woven into everything we do.

It goes without saying that he will be enormously missed - not only by his family, but by everyone who had the pleasure of knowing him and being part of the business he built.

Ralph’s funeral will take place on Friday 23 October at 11.45am at All Saints Church, Rainford.

As a mark of respect, and to allow team members to attend, the Rigby Financial offices will be closed all day.

Thank you for your understanding, and thank you to everyone who has shared their kind words, memories and support. It means a great deal to Ralph’s family and to all of us at Rigby Financial ❤️.

26/09/2026

Tired feet (and paws 🐾) but what an awesome day! £5500 and counting raised for Alzheimer’s Society. Massive thanks to everyone who has donated, supported and cheered us on 💙.

23/09/2026

There’s often a bit of eye-rolling when people mention a ‘work’ conference - especially if it’s in sunny Málaga 😎!

But last week, we had the pleasure of attending the Aviva Broker UK Club 110 Annual Conference, and while we can’t deny that the sunshine was a bonus, the real value was in the conversations, connections and insights.

Wondering exactly what Aviva Club 110 is (other than a great excuse to eat biscuits in the sunshine)?

It’s an exclusive programme recognising leading regional independent insurance brokers, and we’re proud to be part of it.

For our clients, it means better market insight, access to innovative solutions and stronger connections with Aviva’s senior leadership - all helping us deliver an even better service.

A big thank you to everyone involved in the event for making it such a rewarding few days👏.

Now, back to the Rainford office, where we can confirm the biscuits don’t taste quite as good!

21/09/2026

seems like a good time to remind everyone that our team will be taking on a 10-mile challenge this Saturday to help raise money and awareness for Alzheimer's Society.

If you can, please show your support by sponsoring us - crowdfunder.co.uk/p/rigby-financial-raising-for-alzheimers-society - every penny really does count 🙏🏻💙.

💙 Share this post and help end the wait for dementia.

It’s . Today, the global dementia community is united in sharing one message – people living with dementia have waited too long for answers.

We’re shining a spotlight on the timely and important issue of early diagnosis under the theme:

The earlier you know, the more you can do: A dementia diagnosis matters.

That’s why we’re calling for a new ‘national standard’ for dementia diagnosis. Meaning that after being referred by their GP, everyone with dementia receives a diagnosis, a care plan, and, where appropriate, begins treatment - all within 18 weeks.

Tap the link to join us and demand better: https://action.alzheimers.org.uk/page/198458/petition/1?ea.tracking.id=fb