LBH Insurance

14/09/2026

LBH Insurance will be exhibiting, so please say hello and pop your business card into our Ch*****ne draw.

06/07/2026

Property Owners: Under‑Insurance can cut your claim in half..

If your building is insured for less than its true rebuild cost, insurers apply the Average Clause, so reducing your pay-out by the same percentage you’re under‑insured.

Example:

True rebuild cost: £1,000,000

Insured for: £750,000 (25% under‑insured)

Claim: £100,000

Payout: £75,000

Even partial losses are affected, not just total rebuilds.

How it happens..

1.Rising construction and labour costs, outdated valuations.

2.Extensions or refurbishments not reported.

3.Confusing market value with rebuild value.

How to avoid it
✅ Get a professional Rebuild Cost Assessment
✅ Review your sums insured annually
✅ Update your insurer after renovations
✅ Work with a broker who understands property risk

Under‑insurance isn’t a small gap, it’s a financial shock waiting to happen.

LBH Insurance helps property owners stay correctly covered and claim with confidence.

www.lbhinsurance.co.uk

06/07/2026

Landlords: E‑Scooters & E‑Bikes Are Becoming a Major Fire Risk

Lithium‑ion batteries can overheat, ignite or explode if damaged or charged incorrectly and when they fail, they fail fast. Fires spread rapidly, produce toxic smoke, and can make escape routes unusable.

⚠️ What tenants must NOT do

1. Charge overnight or unattended, or store or charge devices in hallways or communal areas

2. Use damaged batteries or non‑approved chargers

3. Modify or tamper with battery systems

✅ What landlords should do
Issue clear charging rules

1. Update tenancy agreements

2. Encourage manufacturer‑approved chargers

3. Recommend charging on hard, non‑flammable surfaces

4. Review property‑owner insurance for lithium‑battery risks

Protect your property. Protect your tenants. Reduce avoidable claims.



www.lbhinsurance.co.uk

23/06/2026

Protect your office, your people and your business, with tailored cover from LBH Insurance.

- Public Liability Insurance

- Employers’ Liability Insurance

- Buildings Cover

- Contents Cover

- Money Cover

www.lbhinsurance.co.uk

Business Interruption Cover

Electronic Business Equipment Cover.

17/06/2026

Architects, don’t just auto‑renew your PI.

The market’s shifting, exclusions vary wildly, and better terms are out there if you look.

At LBH Insurance, we make insurers compete for you and not the other way around.

PI insurance isn’t optional, it’s the foundation of professional security for architects.

It protects your business, your reputation, and your ability to keep building safely and confidently.

15/06/2026

Architects if you are renewing your PI insurance, take a moment.
The market is shifting, exclusions are tightening, and ARB expectations are higher than ever. Getting this wrong can leave your practice exposed.

At LBH Insurance, we work with architects every day to secure PI cover that actually reflects the risks you face, and not a generic, one‑size‑fits‑all policy.

If you want clarity, confidence and a broker who speaks your language, then speak to our specialist PI team for advice.

www.lbhinsurance.co.uk

19/05/2026

Marketing consultants who use AI will need to show clients they have controls, disclaimers, and PI cover in place to handle AI‑related errors.

www.lbhinsurance.co.uk

19/05/2026

Large employers and public‑sector clients typically require proof of Professional Indemnity cover before they’ll work with a recruiter. It’s seen as a baseline for professionalism and risk management.

www.lbhinsurance.co.uk

15/05/2026

At LBH Insurance you can speak to a real expert for tailored advice, specialist cover, and real support from a team that knows your business.
Tel: 01702 347889