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Everywhen

Wire Volume: 33 Disclosures

Corporate Disclosures & Press Wire (33)

When Nursery Days Go Wrong: An Insurance Expert Identifies the Claims They See Most Often
LONDON, UK - October 15, 2026··Uncategorized

When Nursery Days Go Wrong: An Insurance Expert Identifies the Claims They See Most Often

Nurseries frequently face insurance claims related to plumbing issues and workplace accidents, according to Jason Brown from Everywhen. Plumbing problems, such as leaks, can lead to significant damage and costs, while slips and falls are common workplace hazards. Effective risk management, regular maintenance, and appropriate insurance cover are essential to mitigate these risks and protect nursery operations.

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One in Ten Adults Have No Savings as 148.8 Million Working Days Are Lost to Sickness Absence
LONDON, UK - October 09, 2026··Uncategorized

One in Ten Adults Have No Savings as 148.8 Million Working Days Are Lost to Sickness Absence

Research by the Financial Conduct Authority reveals that one in ten UK adults has no savings, while 148.8 million working days were lost to sickness or injury in 2025, according to the Office for National Statistics. Insurance experts Everywhen warn that this lack of savings, combined with high sickness absence, could leave many households financially vulnerable if they suddenly lose their income due to illness or injury. The situation highlights the importance of understanding potential income

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Britain’s Most Serious Workplace Risks Are Nothing New so Why Are They Still Causing Fatalities?
LONDON, UK - October 7, 2026··Uncategorized

Britain’s Most Serious Workplace Risks Are Nothing New so Why Are They Still Causing Fatalities?

The latest Health and Safety Executive (HSE) figures show 126 workplace fatalities in Great Britain, with construction and agriculture sectors having high numbers. Risk management experts Stallard Kane highlight that these fatalities are due to long-known risks like falls from height and moving vehicles, urging businesses and insurers to reassess why these hazards persist despite existing safety measures. They suggest that post-incident reviews should focus on understanding and addressing the ro

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Major Insurer Warns That Home Insurance Policies Must Be Updated When the Owner Passes Away
LONDON, UK - September 24, 2026··Uncategorized

Major Insurer Warns That Home Insurance Policies Must Be Updated When the Owner Passes Away

When a property owner dies, their home insurance policy needs updating to ensure continued coverage, as the property may become a higher risk if left unoccupied. The executor of the estate must inform the insurer of the owner's death and consider switching to unoccupied property insurance if the home will be vacant for an extended period. This is crucial to avoid gaps in coverage and address increased risks like storm damage or break-ins.

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£1.28 billion payment fraud bill highlights critical importance of 159 service
LONDON, UK - August 26, 2026··Uncategorized

£1.28 billion payment fraud bill highlights critical importance of 159 service

The UK's 159 service, a phone number for safely contacting banks in suspected fraud cases, has received over a million calls, but experts at Everywhen question if businesses and employees know when to use it. This concern arises as UK Finance reports £1.28 billion lost to payment fraud in 2025, highlighting the need for businesses to prepare employees for sophisticated scams. Everywhen emphasises the importance of stopping to verify unexpected requests and suggests that awareness of the 159 serv

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Former Welsh rugby international leads team on epic £50,000 ‘Paddle, Peak and Pedal’ charity fundraising challenge
LONDON, UK - August 13, 2026··Uncategorized

Former Welsh rugby international leads team on epic £50,000 ‘Paddle, Peak and Pedal’ charity fundraising challenge

Former Welsh rugby player Paul Thorburn is leading a team on a 12-day endurance challenge involving kayaking, mountain climbing, and cycling to raise £50,000 for charities supporting motor neurone disease and prostate cancer. The team, consisting of former rugby players and other professionals, aims to support research and care for those affected by these diseases. The challenge is sponsored by Everywhen and other donors, with the event starting on 20 August 2026.

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The cost of saying Yes: Why being too helpful could become a professional risk
LONDON, UK - August 13, 2026··Uncategorized

The cost of saying Yes: Why being too helpful could become a professional risk

Insurance experts at Everywhen warn that professionals who frequently agree to additional client requests beyond the original brief risk exposure to disputes and misunderstandings. This "scope creep" can lead to uncertainty about responsibilities, particularly if informal advice or tasks are not clearly documented. The company advises maintaining clear boundaries and documenting changes to protect both the professional and the client relationship.

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The Great Digital Disruption: The Invisible Threat Reshaping British Business
LONDON, UK - August 11, 2026··Uncategorized

The Great Digital Disruption: The Invisible Threat Reshaping British Business

Insurance experts at Everywhen warn that British businesses are facing "The Great Digital Disruption," where digital infrastructure failures, such as cloud outages or cyber incidents, can halt operations quickly. This shift requires businesses to rethink continuity planning, focusing not just on physical assets but also on the digital services and technologies they rely on. The increasing dependence on digital systems means that organisations must understand and prepare for potential operational

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Every Conversation Counts: Why the New Advice Economy Is Changing Professional Risk
LONDON, UK - August 07, 2026··Uncategorized

Every Conversation Counts: Why the New Advice Economy Is Changing Professional Risk

The way professional advice is delivered has shifted from formal reports and meetings to more informal and instant communication methods like emails, WhatsApp, and AI tools. Insurance experts at Everywhen highlight that this evolution increases professional risk, as the line between informal conversations and formal advice becomes blurred, yet accountability remains unchanged. They suggest firms should review how advice is communicated and documented to maintain clarity and responsibility.

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The £5,000 cabin bag: Why today’s travellers are carrying more value than ever before
LONDON,UK - August 04, 2026··Uncategorized

The £5,000 cabin bag: Why today’s travellers are carrying more value than ever before

Insurance experts at Everywhen highlight that travellers now carry more valuable items in their cabin bags, often exceeding £5,000, due to the inclusion of technology like smartphones, laptops, and tablets. This shift reflects the modern travel experience, where staying connected and having portable technology is essential. The company suggests travellers should be aware of the increased financial value they carry and consider the associated insurance risks.

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From Harvest to Hospitality: How Britain’s farms are reinventing themselves
LONDON, UK - August 04, 2026··Uncategorized

From Harvest to Hospitality: How Britain’s farms are reinventing themselves

British farms are increasingly diversifying beyond traditional agriculture by offering experiences like weddings, holiday accommodations, and seasonal events to create new income streams. This shift is driven by rising costs and changing consumer habits, allowing farms to better utilise their resources and attract visitors year-round. The transformation is boosting local economies and supporting rural communities by making farms dynamic destinations.

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Economic uncertainty tipped to be the defining issue for UK SMEs over the next 12 months
LONDON, UK - July 29, 2026··Uncategorized

Economic uncertainty tipped to be the defining issue for UK SMEs over the next 12 months

A survey by insurance experts Everywhen found that 38% of UK SMEs view economic uncertainty as the biggest challenge over the next year, surpassing concerns about rising costs, AI, and cyber security. This highlights the focus on navigating an unpredictable economic environment, though experts warn businesses not to neglect longer-term risks like cyber threats and technological changes. Balancing immediate financial pressures with future risks is crucial for resilience and growth.

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Postcode lottery: Why the postcode can make a big difference to your rebuild costs
LONDON, UK - July 17, 2026··Uncategorized

Postcode lottery: Why the postcode can make a big difference to your rebuild costs

Research by RebuildCostASSESSMENT.com reveals that 93% of UK properties are insured for incorrect amounts, largely due to regional differences in rebuild costs influenced by factors like local labour availability, site access, and planning rules. These variations mean that two similar properties in different postcodes can have significantly different rebuild costs, affecting insurance accuracy. Accurate regional data is essential for property owners and brokers to ensure insurance values reflect

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Everywhen announces sponsorship of Care Sector’s Got Talent 2026
LONDON, UK - July 15, 2026··Uncategorized

Everywhen announces sponsorship of Care Sector’s Got Talent 2026

Everywhen, a social care insurance provider, is sponsoring Care Sector’s Got Talent 2026, a competition celebrating the talents of UK social care workers. Participants can submit video auditions to showcase their skills, with the grand final taking place at the Care Show Birmingham in October 2026. This sponsorship highlights Everywhen's commitment to the care sector and aims to spotlight the diverse talents within it.

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The landlord rulebook has changed: Why 2026 is redefining responsibility in the private rented sector
LONDON, UK - July 14, 2026··Uncategorized

The landlord rulebook has changed: Why 2026 is redefining responsibility in the private rented sector

The Renters' Rights Act, effective from 1st May 2026, has significantly altered the private rented sector by enhancing tenant protections and increasing landlord responsibilities. Landlords must now adhere to stricter safety standards, provide specific information to tenants, and can no longer use 'no-fault' evictions. Tenants still have obligations such as timely rent payment and property care. These changes require landlords, tenants, and insurers to better understand and manage their respecti

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Why cyber criminals love summer: holiday cover leaves businesses exposed
LONDON, UK - July 07, 2026··Uncategorized

Why cyber criminals love summer: holiday cover leaves businesses exposed

Businesses are being warned by insurer Everywhen that the summer months increase vulnerability to cyber-attacks due to staff taking annual leave, temporary cover, and changes in routine. Cyber criminals exploit these conditions, taking advantage of slower verification processes and unfamiliarity among staff covering for others. Everywhen advises companies to prepare by reviewing decision-making processes and ensuring clear approval procedures to mitigate risks during this period.

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Insurance expert warns that summer party time comes with a duty of care
LONDON, UK - July 02, 2026··Uncategorized

Insurance expert warns that summer party time comes with a duty of care

With the World Cup and a heatwave prompting more home parties, hosts are reminded of their legal duty of care under the Occupiers’ Liability Act 1957 to ensure guest safety. James Cooper from Everywhen highlights that hosts should anticipate and mitigate foreseeable risks, such as slippery floors or uneven garden paths, to prevent accidents. Additionally, understanding home insurance policies is crucial, as they typically cover personal liability but may have limitations if the event is commerci

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Businesses warned not to underestimate the hidden cost of heatwaves
LONDON, UK - July 1, 2026··Uncategorized

Businesses warned not to underestimate the hidden cost of heatwaves

Extreme heat is causing a wider range of commercial insurance claims, including damage to buildings, equipment, and stock, according to insurance experts Everywhen. They warn that businesses often overlook the risks posed by rising temperatures, which are becoming as disruptive as storms and flooding. Everywhen urges businesses to prepare for heat-related risks and to document any damage promptly to expedite insurance claims.

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Businesses running public events need to be ready for ‘Martyn’s Law’ and its added protections against terrorism
LONDON, UK - June 22, 2026··Uncategorized

Businesses running public events need to be ready for ‘Martyn’s Law’ and its added protections against terrorism

The UK is introducing the Terrorism (Protection of Premises) Act 2025, known as Martyn’s Law, to enhance public safety against terrorism, effective from Spring 2027. This law requires businesses responsible for public venues and events to implement specific security measures and procedures, with obligations varying based on venue size and expected attendance. Organisations must prepare for these changes to ensure compliance and avoid scrutiny of their risk management practices.

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High street retailers may be missing out by failing to plan for seasonal spending trends
LONDON, UK - June 01, 2026··Uncategorized

High street retailers may be missing out by failing to plan for seasonal spending trends

Research by insurance experts Everywhen highlights that despite economic pressures, consumer spending still follows seasonal patterns. High street retailers can benefit by understanding these trends, allowing them to manage stock, staffing, and promotions effectively throughout the year. This planning is crucial for maintaining business viability, as spending habits shift towards targeted priorities like wellbeing and entertainment.

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The increasing threat from risks every high-net-worth individual should know about
LONDON, UK - May 27, 2026··Uncategorized

The increasing threat from risks every high-net-worth individual should know about

Cybercriminals are increasingly targeting high-net-worth individuals instead of well-protected corporate networks, as these individuals often have less secure electronic defences. This trend is significant because it puts not only their wealth but also their reputation and personal data at risk, especially as they share more of their lives online. The UK is addressing related vulnerabilities by introducing new cybersecurity regulations for smart home devices in April 2024, requiring manufacturer

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Insurance experts warn that corporate events may carry hidden liabilities
LONDON, UK - May 19, 2026··Uncategorized

Insurance experts warn that corporate events may carry hidden liabilities

Insurance specialists Everywhen warn that businesses hosting events like summer socials and awards nights may face hidden liabilities, as organisers are often responsible for incidents despite venues having insurance. Common risks include slips, property damage, and food-related illnesses, and businesses must ensure they take reasonable precautions to protect attendees. Proper risk assessments and suitable insurance coverage are essential to manage these liabilities effectively.

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Beware of the underinsurance risk created by property alterations
LONDON, UK - May 07, 2026··Uncategorized

Beware of the underinsurance risk created by property alterations

Property owners are being advised to reassess their insurance coverage after making alterations to their buildings, as changes such as extensions or system upgrades can significantly impact rebuild costs. Failing to update insurance to reflect these changes could lead to underinsurance, leaving owners with insufficient funds for reinstatement in case of damage. Experts recommend notifying insurers before starting structural work and conducting a rebuild cost assessment to ensure coverage aligns

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Major insurance group questions the environmental sustainability of AI
LONDON, UK - May 05, 2026··Uncategorized

Major insurance group questions the environmental sustainability of AI

Insurance group Everywhen has raised concerns about the environmental impact of artificial intelligence (AI), highlighting its significant energy and water consumption. They point out that AI queries, such as those made to ChatGPT, require much more energy than traditional searches and contribute to global warming. Everywhen urges for more sustainable AI practices and notes that governments and organisations are working to improve AI's energy efficiency.

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Thousands of landlords ‘unprepared’ for potential legal and financial fallout as new Renters’ Rights Act comes into force
LONDON, UK - April 29, 2026··Uncategorized

Thousands of landlords ‘unprepared’ for potential legal and financial fallout as new Renters’ Rights Act comes into force

The Renters’ Rights Act, effective from 1st May 2026, introduces significant changes to England's private rented sector, including the abolition of 'no-fault' evictions and tighter rent controls. Insurance experts Everywhen warn that many landlords are unprepared for these changes, which aim to increase tenant security and accountability in the sector. The reforms could lead to compliance challenges and financial implications for landlords who do not adapt to the new regulations.

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New survey reveals that Cyber threats eclipse all other risks for professional firms in 2026
LONDON, UK - April 23, 2026··Uncategorized

New survey reveals that Cyber threats eclipse all other risks for professional firms in 2026

A survey by insurance experts Everywhen found that 65% of industry professionals see cyber-attacks as the biggest threat to professional firms in 2026, surpassing economic pressures and regulatory changes. This shift highlights the increasing importance of digital threats, as firms rely more on technology and data, making them more vulnerable to cyber risks. The findings suggest a need for firms to prioritise cyber insurance as a key part of their risk management strategies.

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Labour Costs Outpace Materials as Key Driver of Rebuild Price Risk
·Company News

Labour Costs Outpace Materials as Key Driver of Rebuild Price Risk

Construction materials prices have stabilised, but labour costs remain high due to shortages in skilled trades, according to RebuildCostASSESSMENT.com. This imbalance can lead to increased repair and reinstatement costs, affecting insurance coverage if sums insured are not regularly reassessed. Regular Reinstatement Cost Assessments are advised to ensure insurance values align with current costs and avoid underinsurance risks.

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Geo Underwriting announces new capacity partnership with Intact, continuing the development of its specialist marine proposition
LONDON, UK - April 14, 2026··Company News

Geo Underwriting announces new capacity partnership with Intact, continuing the development of its specialist marine proposition

Geo Underwriting has formed a new capacity partnership with Intact Insurance, set to launch on 1st May 2026, to enhance its specialist marine trade offerings. This collaboration aims to provide brokers with more competitive and responsive marine trade insurance solutions, leveraging Geo's expertise and Intact's market insight. The partnership is expected to deliver improved services and pricing for clients in the commercial maritime sector.

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Three important ways for small businesses to spring clean
LONDON, UK - April 09, 2026··Company News

Three important ways for small businesses to spring clean

Small businesses are encouraged to use spring as an opportunity to review and update their insurance policies, including coverage for stock, equipment, and business interruption, to ensure they are adequately protected. Additionally, businesses should check that their vehicles and equipment are correctly insured and assess staff needs and wellbeing to support their workforce effectively. These actions can help businesses prepare for the busier months ahead and ensure they are well-positioned for

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New guide warns first-time investors that they face tougher rules and rising compliance demands - “Becoming a landlord in 2026 is a different game.”
LONDON, UK - April 01, 2026··Company News

New guide warns first-time investors that they face tougher rules and rising compliance demands - “Becoming a landlord in 2026 is a different game.”

Prospective landlords in 2026 will face a more complex regulatory environment due to new reforms and stricter compliance rules, according to a guide from Everywhen. These changes include tighter licensing, reduced tax relief, and new legal requirements under the Renters' Rights Act, which could impact financial planning and operational demands for landlords. The guide emphasises the importance of preparation and understanding these regulations to succeed in the evolving rental market.

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Why the underinsurance risk is rising for commercial buildings in 2026
LONDON, UK - March 23rd 2026··Company News

Why the underinsurance risk is rising for commercial buildings in 2026

Commercial properties in the UK are at risk of underinsurance in 2026 due to rising rebuild costs, regulatory changes, and complex rebuilding requirements, warns RebuildCostASSESSMENT.com. Factors like higher construction material prices and evolving safety and efficiency standards can lead to financial shortfalls if insurance values are outdated. Regular professional assessments are recommended to ensure insurance coverage aligns with current rebuild costs and compliance standards.

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Statutory Sick Pay reforms from April 2026: What employers need to know
LONDON, UK - March 2026··Company News

Statutory Sick Pay reforms from April 2026: What employers need to know

The UK Government will implement two major reforms to Statutory Sick Pay (SSP) from April 2026. SSP will be payable from the first day of sickness absence, and the minimum earnings threshold for eligibility will be removed, allowing more employees to qualify. These changes mean employers will face increased SSP liabilities and need to ensure robust absence management procedures to comply with the new rules.

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Ghost broking - the new threat to SMEs
LONDON, UK - February 24, 2026··Company News

Ghost broking - the new threat to SMEs

Ghost broking is typically associated with young drivers who fall victim while hunting for cheaper premiums. However, private motorists aren’t the only ones who should be on the lookout, according to insurance experts, Everywhen. A spokesperson for Everywhen said: “Ghost broking is evolving and becoming a growing threat with serious financial and reputational consequences for small business owners. A recent report from Aviva shows a 22% increase in ghost broking cases over the last two years[1].

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