LBH Insurance

LBH Insurance An independent insurance broker for all your commercial, professional and personal requirements.

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

Large employers and public‑sector clients typically require proof of Professional Indemnity cover before they’ll work wi...
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

15/05/2026

Cyber insurance in 2026: The year SMEs face the toughest standards yet

Is your business ready for 2026 Cyber requirements?

Cyber insurance is about to get tougher for small businesses, and 2026 will be the turning point.

With claims up, ransomware rising, and the new Cyber Security & Resilience Bill reshaping expectations, insurers are tightening their standards fast.

What this means for SMEs:
• Basic controls (MFA, patching, backups) are now non‑negotiable
• Premiums will split — strong controls rewarded, weak controls priced out
• More pressure from larger clients to prove cyber hygiene
• Higher risk of fraud, impersonation and supply‑chain breaches
• Losing cyber cover could mean losing contracts

The message is clear:
Cyber insurance in 2026 isn’t just protection, it’s a business survival tool.

15/05/2026

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.

15/05/2026

Cyber insurance in 2026: The year SMEs face the toughest standards yet

Is your business ready for 2026 Cyber requirements?

Cyber insurance is about to get tougher for small businesses, and 2026 will be the turning point.

With claims up, ransomware rising, and the new Cyber Security & Resilience Bill reshaping expectations, insurers are tightening their standards fast.

What this means for SMEs:
• Basic controls (MFA, patching, backups) are now non‑negotiable
• Premiums will split — strong controls rewarded, weak controls priced out
• More pressure from larger clients to prove cyber hygiene
• Higher risk of fraud, impersonation and supply‑chain breaches
• Losing cyber cover could mean losing contracts

The message is clear:
Cyber insurance in 2026 isn’t just protection, it’s a business survival tool.

15/05/2026

From Crisis to Recovery..

The Grenfell Tower tragedy reshaped Professional Indemnity cover for architects, premiums soared, exclusions tightened, and fire safety scrutiny intensified.

But now, the market is shifting.
✅ Insurers are returning
✅ Premiums are easing
✅ Cover is broadening

At LBH Insurance, we help architects navigate this evolving landscape:
🛡️ Secure compliant cover
📄 Manage legacy risk
📈 Re-enter tenders with confidence
✨ Protection isn’t just about the past, it’s about building securely for the future

15/05/2026

Architects are being pushed to become more insurance literate..

RIBA's guidance emphasises that many architects still buy PI on price alone with online buying increasing, which they confirm is risky because many architects are purchasing PI without specialist advice.

RIBA warns this increases the risk of misunderstanding exclusions or buying cover that appears cheap but is inadequate.

Key messages from RIBA’s PI guidance include:

Cheapest is not best

Understand what constitutes a notifiable circumstance

Be aware of contractual liability traps

Maintain constant oversight of design and documentation

At LBH Insurance we provide advice and a bespoke policy designed around your business activities to ensure you are fully protected.

Contact: 01702 347889
www.lbhinsurance.co.uk

15/05/2026

The hidden limitations of industry Professional Indemnity
schemes..

A lot of professionals assume that buying their PI insurance through their institute or industry body means they’re automatically getting the “best” cover.

But here’s the reality:
Industry schemes are convenient but not comprehensive.

There are the limitations most people don’t realise:

🔸 One insurer, zero choice
You’re tied to a single provider. No market comparison. No negotiation. No alternatives if appetite changes.

🔸 Generic cover
Policies are built for the “average member.” If your work falls outside the normal project management, PD duties, fire safety, specialist design, then you can be left exposed.

🔸 Premium creep
When members renew out of habit, pricing quietly drifts upward, so loyalty isn’t always rewarded.

🔸 No claims advocacy
If a claim hits, you deal directly with the insurer. The institute doesn’t negotiate, challenge decisions, or fight your corner.

🔸 Slow to adapt
Modern risks evolve fast, cladding, fire safety, cyber, expanded duties. Scheme wordings don’t always keep pace.
For many firms, a broker‑placed policy offers better flexibility, stronger cover, and real support when it matters.

At LBH Insurance we have access to an extensive panel of insurers to ensure you have the most competitive terms available.

Address

Units 1-6 327 Southchurch Road
Southend-on-Sea
SS12PE

Telephone

+441702347889

Website

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