News

Industry News from the world of Insurance & Finance together with interesting articles and information to help you ensure you are fully protected and lots lots more......

  • Single option vs double option agreement: What’s the difference?

    Single option vs double option agreement: What’s the difference?

    One of the most effective and efficient ways to set up business protection like shareholder protection insurance, is to place it in a business trust. Placing business protection in a trust can help speed up claims by clearly defining the read more

    5 January 2023


  • Essential business protection you need to invest in

    Essential business protection you need to invest in

    Planning for the future is a key part of business success, but it’s not just about forecasting profits, designing new products, or entering new markets. As much as planning is about developing new things, you need to think about how read more

    21 December 2022


  • The consequences of not having business insurance

    The consequences of not having business insurance

    Businesses face challenges and threats everyday from multiple places. Whether it’s injury or illness, damage or loss of equipment, theft, or even business disruption from completely unexpected situations, these risks are real, and read more

    24 November 2022


  • What is business interruption insurance and why do you need it?

    What is business interruption insurance and why do you need it?

    You might be using business insurance to cover the costs of damage to property or claims from the public, but have you protected yourself from loss of income? Business interruption insurance is probably one of the most misunderstood forms read more

    25 October 2022


  • Essential business insurance you need to have

    Essential business insurance you need to have

    While business insurance is often referred to as an umbrella term for a single type of insurance, it’s actually made up of a number of different insurance products. Some products are to protect your property and goods, some are to protect read more

    16 September 2022


  • How to choose the right level of business insurance cover

    How to choose the right level of business insurance cover

    While business insurance as a whole can benefit every business - and certain products are mandatory for some businesses - the type and level of business insurance cover you need will be determined by your individual company’s needs. Some read more

    16 September 2022


  • What is business loan protection, and why do you need it?

    What is business loan protection, and why do you need it?

    Whether for funding growth or covering short-term costs, loans are a common part of business finance. Like all loans, this financing needs to be paid back over the period of the agreement. But when a business loan is linked to a particular read more

    28 June 2022


  • Partnership Protection - What is automatic accrual and how does it work?

    Partnership Protection - What is automatic accrual and how does it work?

    When setting up a business as a partnership, it’s important to put a plan in place for what will happen should one of the owners leave the business - either voluntarily or through death or serious illness. The easiest way to do this is to read more

    28 June 2022


  • Consequences of not having keyman insurance cover in your business

    Consequences of not having keyman insurance cover in your business

    If your business is reliant on a few key employees for its success, whether it’s the directors, some high performing sales people, or a small group of highly skilled workers, losing them could have a swift and devastating effect on your read more

    27 April 2022


  • Is it worth taking out a Relevant Life Cover policy as a contractor?

    Is it worth taking out a Relevant Life Cover policy as a contractor?

    Working for yourself as an independent contractor can be an exciting and rewarding way to earn a living. But it can also be risky, especially when it comes to protecting and insuring your business - and yourself and your family - from read more

    17 April 2022


  • What employee benefits do you have to offer as an employer?

    What employee benefits do you have to offer as an employer?

    The importance of employee benefits cannot be underestimated in today’s world when employees put as much focus on the ‘perks’ and extras of working for a company as they do their salary. Whenever you look at the issue read more

    15 April 2022


  • Is it really worth using an independent broker to find the right business protection?

    Is it really worth using an independent broker to find the right business protection?

    Getting business protection for your company can be a time consuming and often confusing process. Not only because of the number of providers available, but because of the number of products that fall under the “business read more

    10 April 2022


  • Changes to Personal Protective Equipment Regulations

    Changes to Personal Protective Equipment Regulations

    From 6 April, the regulations surrounding an employer’s responsibility for Personal Protective Equipment (PPE) are changing. These changes increase your responsibilities when it comes to protecting all those that work for you. Your duty read more

    7 April 2022


  • Which roles should you prioritise for keyman insurance?

    Which roles should you prioritise for keyman insurance?

    Keyman insurance can be an effective way of protecting your business in the event an important person in the company dies, or is no longer able to continue in the business due to critical illness. It can help provide financial compensation to read more

    9 March 2022


  • What company benefits should you really offer?

    What company benefits should you really offer?

    We see a lot about company benefits and incentives being offered to employees and prospective team members. And they’re usually along the lines of free tea and coffee, bean bag chairs or pool tables, or - believe it or not in a time when read more

    9 February 2022


  • Understanding business protection: A complete guide

    Understanding business protection: A complete guide

    Business protection can help a business survive the financial turmoil in the event a shareholder or key person dies or becomes too ill to continue in the company. It can help cover the loss of an individual, whether that’s ensuring read more

    3 February 2022


  • Which type of Partnership Protection Agreement should I get?

    Which type of Partnership Protection Agreement should I get?

    Nearly one in 10 businesses in the UK are registered as partnerships , making them one of the most common business types in the country. A partnership allows two or more people to set up a business, but without much of the paperwork and read more

    27 January 2022


  • What is a purchase and sale agreement and how does it work?

    What is a purchase and sale agreement and how does it work?

    If a shareholder dies or is forced to leave a business due to ill health, apart from the obvious personal tragedy, it does open the question of what will happen to their outgoing shares. Depending on what has been agreed in the read more

    25 January 2022


  • Customer Notice - Bank Details

    Customer Notice - Bank Details

    Thursday 20th January 2022 at 13:25 It has been brought to our attention that one of our email accounts may have been compromised. If you receive any communication purporting to be any member of Rigby Financial advising that our bank details are read more

    20 January 2022


  • How to calculate the level of shareholder protection you need

    How to calculate the level of shareholder protection you need

    Taking out shareholder protection insurance can help provide some much needed reassurance about a company’s financial future in the event a shareholder dies or becomes too ill to continue in the business. By providing a lump sum to read more

    19 January 2022


  • What factors will affect your shareholder protection costs?

    What factors will affect your shareholder protection costs?

    How much shareholder protection you’ll need will depend on your business’ individual circumstances and those of the shareholders. Factors like how many shares each shareholder has in the company, how much those shares are read more

    12 January 2022


  • Why would you need Partnership Protection Insurance?

    Why would you need Partnership Protection Insurance?

    One of the big risks that no-one wants to think about, is what would happen to the business if one of the partners became critically ill and could no longer continue in the company, or one of the partners died. During what would already be a read more

    12 January 2022


  • What happens to my keyman protection if an employee leaves?

    What happens to my keyman protection if an employee leaves?

    For any business to succeed long-term, retaining key members of staff is essential. Companies put a lot of resources into finding people who fit their culture, with the talent to grow their business. As added protection, companies will read more

    25 October 2021


  • Why a relevant life policy is more affordable than you think

    Why a relevant life policy is more affordable than you think

    Relevant life insurance is a type of cover that provides a lump sum to beneficiaries in the event of an employee’s death. It’s put in place to help your employee’s family or nominated beneficiaries so they don’t read more

    20 October 2021


  • What to think about before choosing your keyman cover

    What to think about before choosing your keyman cover

    Keyman cover is something every business should consider for their high performing employees or senior executives. Although the overall success of a business is reliant on everyone in the company, there are usually a few skilled workers, or read more

    13 October 2021


  • How does HMRC deal with keyman insurance?

    How does HMRC deal with keyman insurance?

    Unlike other forms of business insurance or financial protection like shareholder protection, the tax rules around keyman insurance aren’t the same for every company. The way HMRC treats your keyman premiums will depend on the way you read more

    7 October 2021


  • Choosing the right level of keyman insurance for your business

    Choosing the right level of keyman insurance for your business

    In some businesses a significant amount of revenue can be dependent on just a few people, from the owners of a small family business to senior executives at a large corporation. But what happens if one of those key people becomes too ill to read more

    30 September 2021


  • What is a keyman insurance policy and who does it cover?

    What is a keyman insurance policy and who does it cover?

    If your business relies on a few key members of staff for its success, you have to think about what would happen if those key people suddenly became too ill to continue in the business. Or, in the worst case scenario, what if they died? read more

    27 September 2021


  • Why do I need keyman insurance for my business

    Why do I need keyman insurance for my business

    Keyman insurance will protect your business from financial issues if there is a death, critical illness or disability within the business. A lump sum is handed out to cover the cost of any profit losses, to cover the cost of temporary staff read more

    21 September 2021


  • Consequences of not having a keyman insurance policy

    Consequences of not having a keyman insurance policy

    If you’re a small business it’s likely much of the success of the company comes down to the owners and a few key members of staff. Even in larger organisations, just a few key people can make a significant impact on the bottom read more

    16 September 2021


  • 5 Benefits of having keyman insurance for your business

    5 Benefits of having keyman insurance for your business

    Keyman insurance is important for any business. It provides financial cover if a key person in the business - like an owner or executive - dies or suffers from a critical illness or disability and can’t continue in the business. This read more

    5 September 2021


  • When’s the best time to invest in shareholder protection?

    When’s the best time to invest in shareholder protection?

    When you think of shareholder protection insurance you might think it’s something that can only benefit large corporations with lots of shareholders at the top of the business, with millions in revenue. In reality, shareholder read more

    31 August 2021


  • What are the benefits of fleet insurance?

    What are the benefits of fleet insurance?

    If your business has a number of vehicles you have two options when it comes to insurance. Insure each vehicle separately, or insure every vehicle under one policy - known as a fleet insurance policy . But which one should you get, and are read more

    26 August 2021


  • Are there any tax benefits of Relevant Life Cover for my business?

    Are there any tax benefits of Relevant Life Cover for my business?

    Relevant Life Cover is a popular benefit within businesses looking to provide high performing or highly valued senior members of staff extra incentives. It’s typically used by larger companies for senior employees like directors, or for read more

    23 August 2021


  • Which type of shareholder protection is best for my business?

    Which type of shareholder protection is best for my business?

    Disruption comes in many forms for a business but perhaps no more devastating than the loss of a shareholder. Besides the massive personal loss, there’s the extreme uncertainty that can come with losing such a key part of a business. read more

    20 August 2021


  • 5 benefits of shareholder protection insurance

    5 benefits of shareholder protection insurance

    Shareholder protection insurance can help get your business through a difficult time in the event a shareholder dies or becomes too ill to remain in the company. At what will already be a personally difficult time, this level of disruption read more

    18 August 2021


  • How does Relevant Life Cover continuation work?

    How does Relevant Life Cover continuation work?

    A Relevant Life Policy can be a great in-service benefit for your best employees. It’s tax efficient, both for them, and you. It doesn’t interfere with their annual pension contribution limits. And it can be a great way of read more

    13 July 2021


  • Small business shareholder protection: Is it really worth it?

    Small business shareholder protection: Is it really worth it?

    Small businesses in the UK account for three fifths of all the country’s employment and about half the turnover of the entire private sector, according to the Federation of Small Businesses. The UK SME market is a vital part of read more

    7 July 2021


  • Is relevant life insurance liable for inheritance tax?

    Is relevant life insurance liable for inheritance tax?

    Relevant life insurance is a popular benefit for employees and employers alike. It’s particularly popular for higher earning employees because the premiums aren’t part of their annual allowance for registered pension scheme read more

    6 July 2021


  •  What are the benefits of Relevant Life Insurance?

     What are the benefits of Relevant Life Insurance?

    Relevant Life Insurance is a popular in work benefit offered by employers to their employees. Whether it’s small businesses without the staff numbers to justify a group policy - or the resources to afford one. Or a large organisation read more

    14 June 2021


  • What are the rules about relevant life policy trustees and beneficiaries

    What are the rules about relevant life policy trustees and beneficiaries

    What are the rules about relevant life policy trustees and beneficiaries? If you’re taking out a relevant life policy for an employee, then there are some key duties that will need to be assigned and positions that need to be filled. read more

    9 June 2021


  • A quick introduction to who can use Relevant Life Insurance

    A quick introduction to who can use Relevant Life Insurance

    Relevant Life Insurance is a form of benefit that employers can offer to their employees, similar to life insurance, that is paid for by the company and paid out to an employee’s family or financial beneficiaries in the case of death. It read more

    21 May 2021


  • Shareholder protection: A quick guide to cross option agreements

    Shareholder protection: A quick guide to cross option agreements

    Shareholder protection insurance offers a level of protection and reassurance to a business in the event that a shareholder becomes critically ill or dies. It provides a lump sum to the remaining shareholders that allow them to purchase read more

    17 May 2021


  • How to set up Relevant Life Insurance

    How to set up Relevant Life Insurance

    Relevant Life Insurance is a cost-effective, tax-efficient in-work benefit that can be offered to UK based employees. Like any other life insurance cover, it includes the payments of either monthly or annual payments into the plan (in this read more

    11 May 2021


  • Why do you put relevant life cover into a business trust?

    Why do you put relevant life cover into a business trust?

    Holding your employee’s relevant life cover in a trust is an effective way of protecting the money their family or beneficiaries will receive. There is strict legislation involved in setting up relevant life cover through a trust, so if read more

    5 May 2021


  • Key rules you need to know about Relevant Life Cover

    Key rules you need to know about Relevant Life Cover

    Relevant Life insurance policies are attractive as a cost-efficient way for employers to provide death in service benefits for employees. However, Relevant Life plans must meet strict legal requirements to be valid. Our overview of the key read more

    27 April 2021


  • Can I take out Shareholder Protection in a business trust?

    Can I take out Shareholder Protection in a business trust?

    Shareholder protection can be an ideal way of ensuring business continuity in the untimely event that a shareholder passes away or becomes critically ill. Shareholder protection insurance ensures that funds are available to remaining read more

    14 December 2020


  • How much does Relevant Life Insurance cost?

    How much does Relevant Life Insurance cost?

    Relevant Life Insurance is a tax-efficient means of providing your employees with a death benefit payout, without setting up a group policy. It’s popular with both large and small businesses because premiums aren’t subject to read more

    11 December 2020


  • Why a business trust is the best option for Shareholder Protection

    Why a business trust is the best option for Shareholder Protection

    Shareholder protection can be an ideal way of ensuring business continuity in the untimely event that a shareholder passes away or becomes critically ill. Shareholder protection insurance ensures that funds are available to remaining read more

    8 December 2020


  • Motor Insurance Invalidation Claim Refuted

    Motor Insurance Invalidation Claim Refuted

    BIBA and ABI refute motor insurance press claim The groups said they were alerted to an ‘unhelpful and inaccurate’ item covered by Sky News on last Monday, which suggested that those travelling on non-essential journeys would read more

    16 November 2020


  • What’s the difference between shareholder protection, partnership protection and relevant life cover?

    What’s the difference between shareholder protection, partnership protection and relevant life cover?

    Shareholder protection insurance is a critical part of protecting your business should you or a fellow shareholder become critically ill - and be unable to remain in the business - or die. It’s not something you want to think about. But read more

    6 October 2020


  • A guide to setting up shareholder protection

    A guide to setting up shareholder protection

    No business partner wants to think about what they’d do in the event another shareholder became critically ill or died. But the reality is it can happen. And with little warning. In tragic times like that, when you and their family read more

    2 October 2020


  • The consequences of not having Shareholder Protection

    The consequences of not having Shareholder Protection

    Investing in shareholder protection is a critical business continuity plan that can protect your company in the tragic event that a business partner gets critically ill, or dies. Nobody wants to think about the possibility of these untimely read more

    7 September 2020


  • Company Celebrates 40 years of trading

    Company Celebrates 40 years of trading

    Yesterday, 1 st September Rigby Financial hit 40 years of business – no mean feat for an SME in today’s world. In an ever consolidating market, Rigby Financial remains a proudly independent insurance broker, continuing to thrive in read more

    2 September 2020


  • Best Small Adviser Firm of the Year!

    Best Small Adviser Firm of the Year!

    Best Small Adviser Firm of the Year! We are pleased to announce that on 23 January 2020 we were awarded the title of Best Small Adviser Firm of the year at the Sesame Bankhall Group Conference. Below is a picture of Simon Rigby (MD) and read more

    30 January 2020


  • 19 Winter Risk Management tips

    19 Winter Risk Management tips

    RiskSTOP Risk Management Consultant Nicola Seneviratne offers 19 risk management tips to help keep the property claims away this winter… Yes ‘winter is coming’ and according to some it’s not looking good. And no, we're read more

    9 December 2019


  • Cyber Security Threats

    Cyber Security Threats

    With many criminals turning their attention to cyber fraud, the number of attacks has grown significantly in recent years, as demonstrated by this live Cyber Threat Map . Unlike conventional cyber attacks such as phishing, ransomware and data read more

    24 September 2019


  • Medical Expenses Abroad Rocket

    Medical Expenses Abroad Rocket

    Travel insurers are now dealing with one new claim every three minutes typically from UK travellers needing emergency medical treatment while overseas. Some 153,000 travellers needed emergency medical treatment abroad last year – equating read more

    19 August 2019


  • Do I need keyman insurance?

    Do I need keyman insurance?

    This is a question we get asked all the time here at Rigby Financial , and the answer is very simple – yes. Nine times out of ten, keyman insurance is a worthwhile and important investment. As a business owner, you’re likely to read more

    16 July 2019


  • How to avoid underinsurance in business

    How to avoid underinsurance in business

    Not sure if you have the right level of insurance ? You’re not alone. Around one in five small-to-medium enterprises feel the same way. Underinsurance can have serious consequences, potentially jeopardising the survival of your business in read more

    9 July 2019


  • Should I invest in contractors' all risk insurance?

    Should I invest in contractors' all risk insurance?

    Contractors’ all risk insurance (also known as contract works insurance) isn’t essential – but, if you’re a tradesman, it’s usually worth having in place. The policy does what it says on the tin. It protects the read more

    17 June 2019


  • 5 examples of management liability

    5 examples of management liability

    Being a company director comes with a lot of responsibility. If something was to go wrong – and a ‘wrongful’ act was committed – you would be held accountable. This is known as corporate liability . It can lead to hefty read more

    2 May 2019


  • Everything you need to know about keyman insurance

    Everything you need to know about keyman insurance

    Would your business survive if a key member of staff suddenly passed away? It’s probably not something you want to think about. But a sudden death or long-term absence could have a huge impact on your company’s success. You need to read more

    3 April 2019


  • Travel Insurance in a Hard Brexit
  • What type of life insurance do I need?

    What type of life insurance do I need?

    What type of life insurance do I need? Should the worst happen, it’s nice to know that your family would be taken care of. A life insurance policy can give you this peace of mind. But with so many different types to choose from, picking read more

    7 March 2019


  • Do I need life insurance?

    Do I need life insurance?

    Nobody likes to think about their own death. But just for a second, set your emotions aside, and answer this question – would anyone suffer financially if you were to suddenly pass away? If the answer is yes, it may be worth investing in a read more

    1 March 2019


  • 10 ways to protect your company against cybercrime

    10 ways to protect your company against cybercrime

    Getting ‘online’ is crucial to the day-to-day operation of most modern businesses. Whether it is used to send emails, process transactions, or run a commercial website, the internet can be the key to a business’s growth and read more

    25 January 2019


  • Brexit 'No Deal' Green Card

    Brexit 'No Deal' Green Card

    The Association of British Insurers is today setting out advice for consumers and businesses who may be affected by a no-deal Brexit. In new guidance published today, drivers are being advised of the need to contact their insurance broker or read more

    18 January 2019


  • What does a retail insurance policy cover?

    What does a retail insurance policy cover?

    If you are the proud owner of your own store – whether that be a local newsagent, a high street fashion chain or a cutesy florist – it is important to invest in a retail insurance policy . You have worked hard for everything that you read more

    3 January 2019


  • Top 3 tips for choosing commercial building insurance

    Top 3 tips for choosing commercial building insurance

    Top 3 tips for choosing commercial building insurance Commercial building insurance provides protection for your organisation’s property. You must ensure that you choose the right building insurance policy for your business, in order to read more

    5 December 2018


  • Everything You Need To Know About Legal Liability Insurance

    Everything You Need To Know About Legal Liability Insurance

    What is legal liability insurance? A legal liability policy is a form of insurance that covers claims for pedestrian injury and property damage. A legal liability insurance policy ensures the protection of the policy holder’s read more

    5 December 2018


  • Why Do I Need to Invest in Small Business Insurance?

    Why Do I Need to Invest in Small Business Insurance?

    If you are the owner or director of a s mall business, there are many things you will have to think about and deal with on a day-to-day basis. It may feel as though you never have a moment to spare. However, it is important to bear in mind, read more

    19 November 2018


  • Car Insurance for Dealerships

    Car Insurance for Dealerships

    Motor Trade for Dealerships It’s extremely important to ensure that you have exactly the right cover if you run a car dealership . First and foremost, of course, your business and its premises should have the correct insurances in read more

    19 November 2018


  • What is a Fleet Insurance Policy?

    What is a Fleet Insurance Policy?

    If your business involves the use of commercial vehicles, you may have heard of fleet insurance as a means of ensuring that you are covered for any and all potential issues. But what is fleet insurance , and do you need it? Read on, as read more

    14 November 2018


  • What to Know About Car Insurance

    What to Know About Car Insurance

    What is Car Insurance? Car insurance UK based generally covers your vehicle for any damages caused to it. Car insurance companies will also cover for the damage of other cars and motorists should you perhaps have a collision with someone. read more

    10 October 2018


  • Why use an insurance broker?

    Why use an insurance broker?

    ITN report, De-risking the future, a programme from the British Insurance Brokers Association (BIBA). #wistia_chrome_25 #wistia_grid_31_wrapper .w-css-reset{font-size:14px;} #wistia_chrome_25 read more

    3 October 2018


  • How Your Home Insurance Can Become Invalid

    How Your Home Insurance Can Become Invalid

    Home insurance helps to cover you for everything you hold dear. With, quite literally, your whole life being packed into your home, you need to ensure it is somehow protected. However, there are of course contingencies in which your home read more

    23 August 2018


  • What to Watch Out for With Pet Insurance

    What to Watch Out for With Pet Insurance

    It is common knowledge that an animal shouldn’t really have no pet insurance . Nowadays there aremany different pet insurance policiesyou can use to cover your household animal. With numerous cover levels to choosefrom, it is always read more

    22 August 2018


  • What Is Fleet Insurance?

    What Is Fleet Insurance?

    Rigby Financial - What Is Fleet Insurance? If your company uses a number of vehicles to deliver goods or services, you should certainly consider obtaining Motor Fleet Insurance . Naturally, it is possible to insure each individual car, van or read more

    26 July 2018


  • What Does Commercial Property Insurance Not Cover?

    What Does Commercial Property Insurance Not Cover?

    What Is Commercial Property Insurance? Commercial Property Insurance is cover that can prove extremely important to the owner and management staff of any business that has its own premises properties or land and uses it for profit or to further read more

    20 July 2018


  • What Types of Insurance Does my Business Need?

    What Types of Insurance Does my Business Need?

    The months leading up to the launch of your new company are always exceptionally exciting, and also quite fraught. If it’s the first time you’ve ever started a business, it can be difficult to work out what to do next or whether read more

    15 June 2018


  • What is Management Liability Insurance?

    What is Management Liability Insurance?

    If you run your own company, you need to be sure that your business, its management team and employees, are correctly covered. This is why management liability insurance is so important. Our specialist financial advisors at Rigby Financial , read more

    13 June 2018


  • What's the Difference Between Liability Insurance and Property Insurance?

    What's the Difference Between Liability Insurance and Property Insurance?

    There are a number of different types of cover that you need to purchase if you run a small or large business, and the purposes of each can be quite difficult to understand. Do you really need one if you have the other? Are there some that better read more

    1 June 2018


  • What Is Employer’s Liability Insurance?

    What Is Employer’s Liability Insurance?

    Is your business legally covered for any incident or issue that may arise? Without taking a close look at every kind of commercial and corporate insurance policy available, it’s often hard to know - unexpected problems can rear up their heads read more

    23 May 2018


  • Protecting Employees: Workers’ Compensation vs. Health Insurance

    Protecting Employees: Workers’ Compensation vs. Health Insurance

    If you are in the process of starting a business, you will probably want to find out the best way in which you can protect the health and physical wellbeing of your employees. Investing in your workers is extremely worthwhile - after all, they read more

    18 May 2018


  • Things You Need To Know About Commercial Property Insurance 

    Things You Need To Know About Commercial Property Insurance 

    Whatever premises your company works from or within - with the only exception being that you are an individual working from home - it’s extremely important that you consider obtaining commercial property insurance. Because it is not a read more

    18 May 2018


  • Countdown to GDPR

    Countdown to GDPR

    GDPR represents an important strategic risk for all organisations, requiring significant action in order to remain compliant The countdown has begun to the European General Data Protection Regulation (GDPR) . Coming into force from 25 May read more

    19 April 2018


  • What is Cyber Liability Insurance?

    What is Cyber Liability Insurance?

    What is Cyber Liability Insurance? Do you know what cyber security risk is? It’s quite a new concept for business owners to get their heads around and it’s often overlooked by those who do not understand it fully. However, read more

    1 March 2018


  • How Does Key Man Insurance Work?

    How Does Key Man Insurance Work?

    Key Man Insurance is a form of commercial insurance which protects firms against the loss of an employee who would be considered as a vital cog in the business and is, therefore, key to its success. Also known as Key Person Insurance , in the read more

    21 February 2018


  • Why Do I Need Commercial Building Insurance?

    Why Do I Need Commercial Building Insurance?

    Why Do I Need Commercial Building Insurance? If you run a business out of any type of property, it is highly recommended that you take out a commercial building insurance policy. This is not actually a legal requirement, so you don't actually read more

    19 December 2017


  • We Answer Your Questions On Vehicle Fleet Insurance

    We Answer Your Questions On Vehicle Fleet Insurance

    Insurance can be a tough world to navigate, particularly if you’re looking to cover multiple assets with a number of third-party caretakers or operators. When it comes to vehicle fleet insurance questions answered before you decide on a read more

    19 December 2017


  • Merry Christmas

    Merry Christmas

    We would like to wish all our customers a very Happy Christmas and healthy and prosperous New year. read more

    11 December 2017


  • We answer your questions on employee liability insurance

    We answer your questions on employee liability insurance

    We answer your questions on Employers Liability insurance Employers liability is an essential insurance policy for a business that depends on staff to function. Of course, a variety of businesses fit this description and there are many claims read more

    31 October 2017


  • Autumn Newsletter 2017 Please click the the button below to access the newsletter rigby_2017_autumn_newsletter.pdf read more

    12 October 2017


  • What is commercial building insurance?

    What is commercial building insurance?

    The world of insurance can be rather a minefield - simply because there are just so many types of insurance available. There is a policy for almost anything you can imagine, and because the world of business is so intricate, widespread and read more

    5 October 2017


  • How to choose the right business insurance brokers for your company

    How to choose the right business insurance brokers for your company

    We all know that business insurance is a must, though seeking out the very best providers and policies for your particular company can be pretty time consuming. This is why many people choose to go through an insurance broker. A good broker can read more

    5 October 2017


  • Risk of Flooding

    Risk of Flooding

    Recent flooding events in the UK have occurred with little warning, causing financial disruption and inconvenience to landlords, property investors and developers. The heavy rain of the last few months has led to parts of the UK being read more

    27 September 2017


  • Are you securing your future? Types of pension you need to know about.

    Are you securing your future? Types of pension you need to know about.

    In times of financial and political uncertainty, it is vitally important to know that your money is secure, and that your plans for the future are watertight. Pension schemes are one of the most popular ways of ensuring that you have funds read more

    11 August 2017


  • Do I Need Landlord Insurance? What You Need to Know!

    Do I Need Landlord Insurance? What You Need to Know!

    Landlord insurance is not mandatory. However, as with any kind of insurance, it is highly recommended. If you plan on taking tenants into a property that you own, anything is possible -from breakages to theft to acts of god – and it is read more

    25 July 2017


  • How might the Tory-DUP deal affect your personal finances

    How might the Tory-DUP deal affect your personal finances

    We as a country are entering further into uncharted waters. Following the controversial Brexit vote in June of last year in which the UK voted to leave the European Union, the country has witnessed yet further shock and awe when a snap-election read more

    13 July 2017


  • Brexit and its potential impact on the insurance industry

    Brexit and its potential impact on the insurance industry

    Controversy abounds in the world of politics nowadays. Not only are our leaders still in the process of negotiating their way through the early days of a minority government – an arrangement that has historically proven considerably shaky read more

    3 July 2017


  • Player Sponsorship Saints RLFC

    Player Sponsorship Saints RLFC

    Rigby Financial are proud to sponsor Zeb Taia for 2017/18 season Born in Auburn, New South Wales ,Taia played his junior football for the Enfield Federals and the St Clair Comets before being signed by the Parramatta Eels . He played for read more

    27 March 2017


  • Insurance Premiums set to Increase due to changes in the Ogden (Discount) Rate

    Insurance Premiums set to Increase due to changes in the Ogden (Discount) Rate

    The new rate will be effective 20 March 2017. The Lord Chancellor and Justice Secretary, Liz Truss, has cut the discount rate - also known as the Ogden rate - from 2.5% to minus 0.75% effective 20 March 2017. The rate is used by courts when read more

    1 March 2017


  • New rules on Child Car Seats

    New rules on Child Car Seats

    New booster seat rules risk leaving parents confused and open to fines, according to experts Click her to Read full article here read more

    9 February 2017


  • Autumn Statement 2016

    Autumn Statement 2016

    Chancellor Philip Hammond has delivered his Autumn Statement 2016, which is the first major review of government finances since the EU Referendum. Get our take on how this will affect your finances...... autumn_statement_2016.pdf read more

    24 November 2016


  • Marsh look to acquire Bluefin

    Marsh look to acquire Bluefin

    Axa and Marsh are in detailed talks about a deal valuing Bluefin at about £300m, according to Sky News Click Here to read the full Sky News Article read more

    25 October 2016


  • Summer Driving - Risk Management

    Summer Driving - Risk Management

    Summer Driving - Risk Management Summer driving brings unique driving challenges: more vehicles on the road, more children playing outside, more tractors, cyclists and motorbikes. Journey times are longer and traffic jams more likely. Attached read more

    4 July 2016


  • The Budget 2016

    The Budget 2016

    Further to yesterdays budget delivered by the Chancellor of the Exchequer George Osborne, find out how this effects you and your business......... Read our take on the changes ........... budget 2016 - key changes .pdf read more

    17 March 2016


  • Looking after your employees

    Looking after your employees

    Employers Liability might be mandatory, but it’s a topic that is so much more than just something businesses need to buy. Keeping employees healthy and safe is vital to every business. It can be done in 5 easy steps… Here’s read more

    9 February 2016


  • Don't get caught out - get professional advice!

    Don't get caught out - get professional advice!

    A recent report by the BBC reported that 1 in 5 home insurance claims are rejected. If there was ever a greater reason to use an professional adviser to ensure your cover is adequate for your needs and on the correct basis please give us a call read more

    27 January 2016


  • Rigby Financial announce Lama Tasi Sponsorship

    Rigby Financial announce Lama Tasi Sponsorship

    Rigby Financial sponsor Lama Tasi, St Helens' newest superstar Rigby Financial are delighted to announce our sponsorship of St Helens rugby star Lama Tasi for 2016. The 6ft 2in, 16-stone Samoan international looks set to light up read more

    26 January 2016


  • Turning 40? Why it's time to start thinking about life insurance

    Turning 40? Why it's time to start thinking about life insurance

    Nobody wants to think about life after they’re gone, but it’s a reality we must all face. We’re not around forever. As we age and move into our fifth decade, it’s only natural to want to put measures in place that will read more

    22 January 2016


  • Planning Your Retirement

    Planning Your Retirement

    If there’s one thing everyone looks forward to during his or her later working life, it’s having enough money to retire. Maybe you’re planning to travel the world? Perhaps you’ve set your sights on racing rally cars or read more

    22 January 2016


  • Christmas Sponsorship

    Christmas Sponsorship

    As part of our sponsorship programme this year we have again sponsored the decoration of All Saints, Rainford Christmas Tree & Lych Gate. This year the church held its bi annual Christmas Tree Festival raising vital monies for the charity read more

    15 December 2015


  • Private Medical Insurance - Why It's So Important

    Private Medical Insurance - Why It's So Important

    Your health and wellbeing is something that you can’t put a price on. Nowadays, you can’t afford not to have private medical care. There’s a whole number of reasons why private medical insurance is such a worthwhile read more

    11 December 2015


  • Flood Damage - Useful tips for policyholders

    Flood Damage - Useful tips for policyholders

    The nightmare before Christmas began with the arrival of Storm Desmond last week for many people in Northern England, which left more than 2,000 homes and businesses flooded, and a flood damage bill which is expected to run into the millions. read more

    9 December 2015


  • Going On Holiday? Why Travel Insurance Is So Essential...

    Going On Holiday? Why Travel Insurance Is So Essential...

    Travel insurance is a must if you're planning a holiday abroad. This applies to all trips, whether you're planning an all-inclusive holiday to Spain or skiing in France. Like most insurance policies, it's a service you hope you will read more

    3 December 2015


  • Children in Need - doing our bit!
  • Remember Remember the 5th of November

    Remember Remember the 5th of November

    As the winter fast approaches and the nights are closing in, it’s that time when we all celebrate another season with Guy Fawkes night. We’ve highlighted a few areas that will help to keep you and your customers safe during these read more

    4 November 2015


  • They only went and did it!

    They only went and did it!

    Spectrum Kilimanjaro Challenge - World Record Breakers Well done to all involved - what a fantastic effort! A team of 38 climbers have not only climbed Mt Kilimanjaro in 6 days instead of the more usual 9 days but have also played the read more

    27 October 2015


  • Supporting The Steve Prescott Foundation - Spectrum Kilimanjaro Challenge 2015

    Supporting The Steve Prescott Foundation - Spectrum Kilimanjaro Challenge 2015

    Rigby Financial is proud to support The Spectrum Kilimanjaro Challenge 2015. The challenge to climb Mount Kilimanjaro and play the world’s highest game of rugby will start next month to raise funds and awareness of the Steve Prescott read more

    12 October 2015


  • Underinsurance - What does this means for you?

    Underinsurance - What does this means for you?

    To help clients understand the importance of having the right amount of insurance and what the implications are if they don’t, Aviva have produced a quick guide to Underinsurance in the commercial market. The guide, explains what the read more

    12 October 2015


  • Smoking in Cars Ban when carrying under 18's

    Smoking in Cars Ban when carrying under 18's

    Motorists and passengers in England and Wales will be breaking the law from tomorrow if they smoke in a vehicle carrying a person under 18. From 1 October 2015, they face fixed penalty of £50 – with drivers at risk of being fined twice read more

    30 September 2015


  • Bid for RSA falls through

    Bid for RSA falls through

    RSA Insurance Group has fallen more than 20% this morning after Zurich withdrew its bid for the company. In a stock market announcement this morning, Zurich Insurance Group said the decision to terminate discussions was based on its own poor read more

    21 September 2015


  • Insurance Premium Tax Increase

    Insurance Premium Tax Increase

    The UK Government announced on 8 July 2015 that they’ll be increasing the standard rate of Insurance Premium Tax (IPT). From the 1 November 2015, IPT will be increased from 6% to 9.5% for all new business, renewals and additional premiums read more

    8 September 2015


  • A Guide to Intruder Alarms

    A Guide to Intruder Alarms

    In January 2015, BT Redcare* became one of the latest companies to receive Loss Prevention Council Board approval to LPS 1277. The LPS 1277 approval scheme brings together the various alarm transmission system (ATS) requirements relevant to the read more

    4 August 2015


  • 38 People charged for 'CRASH for CASH' Insurance fraud

    38 People charged for 'CRASH for CASH' Insurance fraud

    The investigation, a joint operation between Cumbria Constabulary and the Insurance Fraud Bureau (IFB), has seen detectives investigate numerous people for conspiring to defraud motor insurance companies for collisions that allegedly occurred in read more

    31 July 2015


  • FCA to give consumers access to complaints data

    FCA to give consumers access to complaints data

    The Financial Conduct Authority have published new rules which will allow consumers access to data on complaints made to financial services companies. Firms will be required to report all complaints to the FCA, which will publish the data and read more

    24 July 2015


  • Increase your Risk Management

    Increase your Risk Management

    Summer is now in full swing and protecting your business is just as important now as any other time of year. From arson to sunburn and drug driving to driver distractions – summer presents new risks that require careful consideration. Aviva read more

    21 July 2015


  • Employers Liability - A brief guide

    Employers Liability - A brief guide

    Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment. The guide below published by the Health & Safety Executive is intended to help you to understand what is read more

    21 July 2015


  • Spring Newsletter

    Spring Newsletter

    Read our Spring News letter - Pension Revolution and the benefits of NISAs and how to boost savings and investments, plus lots more...... moneyworks_-_spring_2015.pdf read more

    14 July 2015


  • Slip & trip accidents cause surge in Liability Fraud

    Slip & trip accidents cause surge in Liability Fraud

    The number of insurance liability frauds -including so-called 'slip and trip' accidents - jumped by 75% last year,according to industry figures. To read the full article click below Article on 'Slip and trip' accidents Source: BBC read more

    14 July 2015


  • Budget 2015

    Budget 2015

    George Osborne delivered his seventh Budget on Wednesday 8 July 2015. As predicted the main change affecting the pensions industry is a reduction in the annual allowance for those with high incomes. However, a potentially greater impact read more

    9 July 2015


  • Cyber Crime - A real risk to Businesses

    Cyber Crime - A real risk to Businesses

    Cyber Risk Modern businesses rely heavily on computer software and the internet when dealing with digital data and they are becoming increasingly aware of the cyber risk exposure faced by their organisations . There has been a spate of read more

    8 July 2015


  • First Time Buyer Mortgages

    First Time Buyer Mortgages

    First Time Buyer rates fall to three-year low The number of first time buyer products available is continuing to increase, while mortgage rates are at their lowest levels in three years, according to research by MoneySuperMarket. The number read more

    1 June 2015


  • Protecting Key People in your organisation

    Protecting Key People in your organisation

    Allianz research shows that only 34% of small and medium business leaders are aware of what cover Directors & Officers Insurance provides, with more than half of business leaders - SME and Mid Corporate - stating that they did not realise read more

    18 May 2015


  • Insurers to accept Dashcam Footage

    Insurers to accept Dashcam Footage

    Most UK insurance companies will now accept dashboard camera footage in disputed claims - but few will offer a discount on premiums for using one. These "dashcams" are small, forward-facing cameras that film a driver's view of the road. When read more

    11 May 2015


  • Top tips to prevent escape of water incidents

    Top tips to prevent escape of water incidents

    There has been a large upsurge in escape of water claims, but a Zurich study has found that more than 60% of these could have been mitigated or prevented Escape of water is now a bigger risk for insurers than fire or burglary, with newer read more

    29 March 2015


  • Your Paper Driving Licence will soon be a thing of the past!

    Your Paper Driving Licence will soon be a thing of the past!

    Do you know where the paper part of your driving licence is? Well, as of June (2015) this year it won’t matter. Last July, the DVLA announced they’d be scrapping the paper counterpart licence as they move towards digitising read more

    9 March 2015


  • One in 10 small businesses without insurance

    One in 10 small businesses without insurance

    One in 10 small and medium businesses in the UK have no insurance cover and two thirds have no business interruption insurance cover, leaving them vulnerable to incidents that disrupt their business, according to a new study. A survey of read more

    31 October 2014