Who are they? 
Weredog Creations makes handcrafted and customized erotic toys, accessories, and clothing. They sell directly to the public and to commercial retailers. Based in Bristol, this small business primarily serves customers in the UK but also has a growing number of customers in the USA and Europe. 

Their focus on quality and customization has helped them build a loyal customer base. By offering unique and well-made products, Weredog Creations has successfully expanded their reach beyond the UK, appealing to a diverse international market. 

Why did they come to Adultsure? 
The client approached us in 2022 seeking a quotation for their business insurance. They were experiencing significant challenges in securing coverage due to the specialized nature of their operations. Many insurers were unwilling to provide a quote, which left the client in a precarious position. 

The importance of securing insurance was critical for the client’s business continuity and protection. Without appropriate cover, the business faced considerable risks, especially since they employed a number of staff members. At a minimum, they required employers’ liability insurance to comply with legal obligations and safeguard their employees. However, their needs extended beyond just the basic requirements; they sought a comprehensive policy that would protect their entire business, including their stock. 

Given the client’s predicament, we understood the urgency and complexity of their situation. We embarked on an extensive search within our network of insurance providers to find a suitable policy. Our goal was to ensure that the client received not just the mandatory coverage but also a tailored solution that addressed all aspects of their business risks. 

How did we help them? 
We were able to approach our specialist adult insurers to provide coverage promptly and at a competitive rate. Leveraging our established relationships with these niche insurers, we quickly navigated through the complexities of the client’s requirements. By thoroughly presenting the unique aspects of the client’s business, we secured an insurance package that was both comprehensive and cost-effective. 

An additional benefit we offered was the flexibility of direct debit payments. This payment option eased the client’s cash flow management, allowing them to spread the cost of their insurance over manageable instalments. This financial flexibility was particularly appealing to the client, as it minimized the immediate financial burden and allowed them to allocate resources to other critical areas of their business. 

The results speak for themselves… 
With the insurance coverage in place, the client could continue trading without the looming threat of uninsured risks. This security enabled them to focus on their business operations and growth plans with renewed confidence. The comprehensive policy meant their business was well-protected against potential hazards. Our prompt and efficient service not only met their immediate needs but also fostered a long-term partnership built on trust and reliability. The client has renewed with us every year since, recognizing the value of having a broker who comprehends their specific insurance needs. They appreciate being insured with a specialist provider capable of delivering the right coverage for adult businesses. 

Client Testimonial
“Adultsure were a massive breath of fresh air when we initially tried to find a brand to handle our insurance. It was helpful, direct and a complete change to most brands that would give us the run around before deciding our business was not worth it.“

Would you like to discuss your adult manufacturing or retail insurance?
Please click “Get a Quote” or call us on +44 (0)800 8818841.

The post Case Study – Weredog Creations | Adult Manufacturer appeared first on Adultsure.

Who are they? 
Our client, Northern Rubberworks in the adult manufacturing industry and specialises in the handmade production of latex and rubber fetish clothing and accessories. It’s a small business dedicated to creating high-quality, unique items that cater to its clientele’s specific tastes and preferences. 
 
The owner of this Huddersfield business has over a decade of experience in the industry and ensures each piece is meticulously crafted, reflecting the company’s commitment to excellence and attention to detail. 
 

Why did they come to Adultsure? 
In 2021, Northern Rubberworks current insurer could not continue providing insurance coverage for them due to the adult themes of the products.   
 
If they could not find new insurance, they would not have kept trading (due to the risks and legal issues of trading uninsured, especially the requirement for Employer’s Liability insurance). Luckily, that wasn’t the case because they came to us.  
 
How did we help them? 
When they came to us in 2021, they desperately needed to find an insurer quickly, as their existing policy was about to expire. Understanding the urgency, we used our expertise and network to quickly find a specialist insurer that could cover their unique business needs.   
 
We were able to find and secure comprehensive insurance for our client, which included Employer’s Liability, public liability, stock cover and other necessary protections.   
 
The cover we found meant that our client could continue confidently trading, knowing that they are fully insured against potential risks and legal issues. 
 
The results speak for themselves… 
Sure, we work to find our client’s insurance policies that suit their businesses, but what we really do is provide peace of mind so that our clients can focus on growing their businesses without worries or stress, which is exactly what we did for this client.   
 
Thanks to our prompt response and competitive pricing, this client experienced no disruption to their business operations, allowing them to continue trading and running their business as usual. 
 
What’s more, the comprehensive coverage we secured ensured that their business was safeguarded against potential risks, which are common in the adult retailer industry. 
 
Our client was so satisfied with our effective and reliable service that they have renewed their insurance with us every year. They recognise the importance of having a broker who not only understands their business needs but also maintains strong relationships with specialist insurers capable of offering the right coverage.  
 
This ongoing partnership highlights their trust in our expertise and commitment to supporting their business’s continued success and growth. 

Client Testimonial
“Adultsure have been invaluable to me. After the pandemic, despite never having made a claim, I suddenly found myself unable to acquire any insurance for my established business. Adultsure really eased my stress during this time, assuring me that it was sadly quite normal for businesses such as mine and they worked hard to find me the correct cover for Northern Rubberworks. I’ve been with them since. Having a broker who specialises in adult businesses is a fantastic asset for our industry.”

Would you like to discuss your adult manufacturing insurance?
Please click “Get a Quote” or call us on +44 (0)800 8818841.

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Who are they? 
Saints & Sinners is a Blackpool-based adult retailer specialising in lingerie and sex toys. With over two decades of experience, they have built a reputation for offering an extensive range of adult products that cater to all.  
 
The adult entertainment store has always aimed to provide a comfortable, safe and friendly environment for people wanting to explore adult products – which they can only do with sufficient insurance coverage. 
 
Why did they come to Adultsure?  
Since 2003, Saints & Sinners have been offering lingerie and sex toys to the people of Blackpool.  
 
However, in 2022, they reached out to us after reviewing their insurance policy. Their existing policy was a standard shop policy, which was insufficient for their unique inventory.  
 
Their standard shop policy left significant gaps in their coverage, particularly for their specialised stock of lingerie and sex toys. This meant that the client was at substantial risk of being inadequately protected in the event of a claim.  
 
Having thoroughly researched relevant insurance policies for their inventory, they came to us because they needed an insurance broker who understood the adult industry and could cater to their specific requirements. 
 
How did we help them? 
After discussing the client’s needs and understanding the challenges and risks associated with their industry, we created a bespoke insurance solution.   
 
To ensure they were fully protected, we partnered with a specialist insurer who has extensive experience in covering businesses within the adult industry.  
 
By contacting this specialist insurer, we were able to secure a comprehensive policy that provided appropriate protection for their inventory and other business assets, ensuring that all potential risks were adequately addressed. 
 
The results speak for themselves… 
Saints & Sinners now has valuable peace of mind that their business is covered, allowing them to focus on continuing to provide a comfortable, safe and friendly environment for those wanting to explore adult products.  
 
Their insurance broker understands their specific needs and industry context, which means they have significantly reduced their risk exposure and are covered should the worst happen.  
 
And, by coming to us, they can continue to enjoy their new protection and have access to highly experienced insurance brokers should they need to ask us anything, renew their policy, or add more insurance coverage. 

Would you like to discuss your adult retailer insurance?
Please click “Get a Quote” or call us on +44 (0)800 8818841.

The post Case Study – Saints & Sinners | Adult Retail Client appeared first on Adultsure.

If you see a Fire Door propped open at home at work or anywhere else. Remove the obstruction and close the door. It’s a matter of life or death. It’s scary to hear, however that’s why there are such things as Fire Doors. They are there to protect us in an emergency and they can give you that vital few minutes to get somewhere safe.

No one likes to think the worst will happen but Imagine if it did?

A fire has started in your home/work/business and you have propped open a Fire Door. Thousands of pounds worth of damage has occurred, you’ve lost all your stock! You have nowhere to go. And now your insurer is rejecting your claim as the fire door was wedged open? Keep it Shut, Keep it Clear, Keep it Insured.

What Types of Insurance should I take out for my Business?

Not all Insurance covers for Fire Damage, however, here are some types of Insurance that could cover the cost in the event of a fire.

If you own the building your business is in adding buildings insurance can protect you against fire damage. You may also want to consider adding fixtures and fittings cover (I.E Display Cabinets, Counter tops, shelving Units).

As an independent business owner consider business interruption insurance. Trying to keep your business afloat during a claim can be a nightmare however Business Interruption Insurance can help! It may help with staff wages; loss of profits and it could even provide you with an Interim payment.

Fire prevention safety tips for your business

1. Do you rent the building you run your business from?

Inspect the Fire Door if you believe it is faulty contact your landlord or the buildings management company immediately. Don’t ignore it!

2. Prepare an emergency plan

Do you and your employees know what to do and where to go if a fire breaks out?

3. Designate a fire warden

Ideally you should have more than one fire warden so if one person is on annual leave or out for a meeting the other person would be there in case of an emergency.

4. Know your fire extinguishers

Make sure everyone who oversees Fire safety within your business is aware of the different types of fire extinguishers. A Carbon Dioxide Extinguisher would be no use in a Fish & Chip Shop where the range has set on fire they’re for liquid and electrical fires e.g an office.

5. Keep it clear

Keep all fire doors clear and keep them shut. Dispose of any flammable materials such as wastepaper or cardboard boxes. Never block a fire exit for any reason remember it can take less than five minutes for a fire to engulf a property from the moment it begins.

6. Stay Safe

Leave your belongings, you can replace them. Don’t panic and don’t run it could save your life. Get to a safe place away from the fire and dial 999. Never go back into a burning building for any reason.

At Adultsure we offer full Business Package quotes tailored to you. If Fire is one of your main concerns, then please contact us we are here to help you in any way we can. Call one of our friendly team today on 01924 499182

The post Fire doors and insurance appeared first on Adultsure.

For those who don’t take global warming seriously by now, you might be surprised at the predictions that have been made by the Environment Agency (EA) regarding UK flood defence.

Reaching unprecedented levels

Climate change has already had a major impact on British coastlines, moorlands, farms, towns and cities, not to mention the effect it’s had on vast numbers of seabirds in the North Sea and North Atlantic who are struggling to find food due to dwindling prey. While flooding has always been an issue for certain areas in the UK, recent years have seen waters rise to unprecedented levels. This has left many businesses and homeowners stranded in the meantime.Following major flooding in areas including York and Greater Manchester in 2015, councils have started to invest more in flood defence to reduce the devastation and downtime the floods caused. Yet despite an increase of flood defences in place, EA chairwoman, Emma Howard Boyd, believes that this will not be enough, warning that “we cannot win a war against water”.

Improved defences

While we cannot prevent flooding, we can implement improved measures to better manage flooding and protect both residents and businesses. In a bid to combat climate change, the EA believes that the UK will need to invest at least £1 billion per year into traditional flood and coastal defences to make communities more resilient against flooding.The type of defence required goes beyond building bigger barriers, which has been realised in the York Flood Alleviation Scheme. Instead of focusing on constructing higher walls to keep the waters out, this scheme is focused on slowing the flow of the water, reduce its volume during peak flow and building flood storage areas. The EA believes that the answer also lies in constructing stronger properties and infrastructure in the future along with natural prevention through planting trees to slow the flow of waters and creating more areas where the water can soak into the ground.

Needing to up sticks?

Unfortunately, the EA anticipates that the threat of flooding simply cannot be prevented or mitigated for some properties, in which the best course of action would be to move to a safer area. While this may seem sensical for some, it’s not that simple for families and businesses are tied to a property in a high-flood-risk area.

If you’ve had problems with flooding in the past and are now struggling to find affordable insurance—or a willing insurer—the team at Adultsure can help. We can help to find you cover designed specifically for high-flood-risk areas, which doesn’t cost the earth. Call us on 01924 499182 to find out more.

The post Is the threat of flooding in the UK on the rise? appeared first on Adultsure.

Whilst many businesses are increasingly vigilant in amending their work policies to mitigate the risk of cyber-attacks, many still don’t have adequate protective measures against cybercrime in place. In the Cyber Security Breaches Survey 2019, recently published by the Department for Digital, Culture, Media and Sport (DCMS), findings suggest that larger business are still more likely to prioritise cybersecurity compared to smaller business and charities. Smaller businesses usually consider themselves to be less of a risk due to their scale, but there is little variation in the number of attacks between small and medium businesses, high-income charities and large businesses.

The rising cost of breaches

Despite the number of targeted attacks with a financial impact decreasing slightly over the last year, the overall costs to those who are affected have risen drastically. Since 2017 when the average direct cost to businesses was £1,380, this figure has now grown to £3,150 in 2019. This amount doesn’t consider recovery costs and long-term costs which both add up to approximately £3,000 on average.

Understanding your costs

The estimated costs of breaches in the past year varied widely across businesses, ranging between £300 and £100,000 across techniques including malware, ransomware, phishing emails and more. Concerns were raised during this survey that company management struggled to predict the full financial impact of a data breach and often failed to assess the bigger picture. For example, whilst ransomware might cost your business £5,000 to restore all your systems, you would also need to account for any company downtime, loss of business incurred from reputational damage and the cost of implementing new systems and structures to ensure the same thing doesn’t happen again.

Protecting your finances

Although the number of large and medium businesses protecting their businesses with cyber insurance has risen in the past year, only 11% of all businesses and 6% of charities have specialised cover in place. What’s more, just over a third of businesses have a board member or trustee with specific responsibility for cybersecurity.It’s important that, regardless of the size or nature of your business or charity, you are fully aware of both the immediate and long-term impact that cybercrime could pose to your operation.

At Adultsure, we’ve worked with many businesses from self-employed to global corporations on their cyber solutions. To help ensure you’re protected, our specialist team can conduct a review of your existing insurance to evaluate whether cyber insurance would benefit your business.

Just call us on (01924) 499182.

The post Cyber Insurance and the cost of data breaches appeared first on Adultsure.

Whether it be a summer holiday or winter weekend break a high percentage of brits book their single-trip travel insurance at the last minute, often choosing the cheapest option that appears! While this seems like a cost-effective option the day before you’re due to travel, that  strategy will not only leave you at risk of not having the correct cover for the trip you’re taking but it might actually be costing you more money if its not the only trip you plan to take this year.

The Risk with price comparison Travel Insurance

It’s so simple to buy your travel insurance online in today’s world, a few taps on your phone and you could have your insurance sorted for your holiday… or so you think! The trouble with purchasing your travel insurance online whilst you’re packing your case for the aeroplane last minute is that it’s not often clear what is included and what you’re covered for. If you’re into taking risks and enjoy those high-risk activities whilst you’re abroad it’s likely you’re not covered. If you’ve had or still have a medical condition you’re probably not covered correctly.

Nobody likes to think of the possibilities of what could go wrong whilst you’re away but it’s necessary in order to get the proper insurance cover. The costs incurred through an uninsured event, especially abroad can be astronomical! Medical expenses alone could rack up thousands and if you don’t have a clear idea of the exclusions and terms within your policy you could be left unexpectedly out of pocket and run into debt.

The Benefits of insuring beforehand

Although many travellers insure their trip shortly before they take off, you could reap the benefits by organising your insurance when you book your holiday, which can protect you against the risk of delays, cancellations and much more.

Arranging your travel insurance beforehand also enables you to open your cover to include various other upcoming trips, this way you won’t be paying a larger one-off sum for every trip you book.

Multi-trip Travel Insurance

A recent survey by a leading travel insurer found that the average Holidaymaker takes three holidays a year, yet they are still overspending millions on single-trip insurance! Even if you haven’t started planning your next vacay yet, your multi-trip cover will cover you for the trips you take throughout the year regardless! With this cover in place you can sit back, relax with a cocktail if you like and not worry about arranging last minute travel cover, which might not be covering you at all!

To find out more about Multi-trip travel cover and if you could be saving money and minutes! Get in touch with Lucie or Ewan at Adultsure on 01924 499182 who will be more than happy to help you with anything you need to know, then you can have a year’s peace knowing you’re covered for all your fabulous trips!

The post Could you be saving money with Multi-trip Travel Insurance? appeared first on Adultsure.

From simple vigilance when locking your doors and windows, to more advanced solutions such as motion-sensitive lighting and burglar alarms; when it comes to securing your home day or night, there are plenty of options available. Unfortunately, regardless of how security-sharp you are, criminals have discovered ways around these security measures again and again!

We look at some ways you can go above and beyond to protect your family, your home and your assets! Here at Adultsure, we’ll work closely with you to make sure your Home Insurance steps up to the mark. Get in touch with Lucie or Ewan on 01924 499182

The post Five home security tips you may not have considered appeared first on Adultsure.

Thinking of letting out your property? Here’s what you should consider before you do. 

Be prepared to work all hours
Being a landlord is not a 9-5 job and while there will be plenty of days where you can dictate your own schedule, there will be many others during which you will be pushed and pulled in all directions during unsociable hours. In an emergency, you could even get calls from tenants in the middle of the night. To make sure you’re prepared for anything, you’re going to need a strong network of contacts in the area!

Know the right people
As a landlord, unless you live close to your let property, you will need to know some reliable handymen and trade workers, including those who can complete plumbing and professional electrical work, especially ones who offer emergency call outs. Even if you’re a bit handy in the home, no-one is skilled in all areas so there will always be a time you need to call upon an expert to help. Make sure you have the correct contacts before an emergency occurs it will save you a lot of time, stress and money.

There are a lot of rules to follow
Landlords are plagued by rules and regulations, from how to correctly handle the tenant’s deposit through to ensuring safety standards are adhered to in the home and how to correctly evict tenants. Make sure you keep up to date with your legal requirements to ensure that everything is done by the book. That way, you can maintain a great reputation and ensure the safety of your tenants and yourself.

Find the right tenant
Firstly, you need to decide who you want to rent your property to. Think about what you would and wouldn’t accept in your buy-to-let property. Do you want to rent to a group of students or are you targeting professionals? Are you looking to draw in families or is your focus on single tenants? Think about whether you will accept any pets or smokers and DSS applicants. You have every right to decide who you wish to let your property to, but it doesn’t hurt to be slightly flexible to draw in the correct tenant.

Get specialist insurance
Standard home insurance just won’t suffice if you are a landlord as you need specialised cover which will protect yourself, your business, your tenants and of course your property. With Property Owners Insurance, your property will be protected against the standard risks such as fire, flood and storm damage, as well as your personal contents if you choose. Additionally, it will cover your business against liability claims, loss of rent, alternative accommodation for your tenants and much more. To find out more about Property Owners Insurance, get in touch with the team on 01924 499182.

The post What you need to know about becoming a landlord appeared first on Adultsure.

Despite government initiatives and the UK’s 2050 target to reduce emissions by at least 100% from levels captured in 1990, worldwide attempts to reduce climate changes have not yet hit the mark.

The rise of severe weather 

As severe weather is becoming increasingly recurrent and even more extreme, individuals and businesses are seeing a rise in weather-related incidents such as flooding, not only can this affect their property and contents, but may also mean having to seek alternative accommodation or temporarily ceasing trading. This is then having a knock-on effect to insurance brokers, who are having to increasingly pay out higher sums at a more frequent rate.

Short-term changes, long-term damage 

The extreme freeze in early 2018 cost UK insurers £194m over three months for burst pipe claims, while the following extreme heatwave caused over £64 million of subsidence damage.

Ernst Rauch, Munich Re’s chief climatologist said: “If the risk from wildfires, flooding, storms or hail is increasing then the only sustainable option we have is to adjust our risk prices accordingly. In the long run it might become a social issue…”

Find the right balance  

With the current economic climate remaining modest, with plenty of uncertainty in the air, it’s essential that insurance remains affordable to those who need it. Yet, getting the balance right to offset the increased risk, and determining what to attribute one-off incidents to is not an easy task.

Nicolas Jeanmart, head of personal & general insurance and macroeconomics at Insurance Europe said:

“The sector is concerned that continuing global increases in temperature could make it increasingly difficult to offer the affordable financial protection that people deserve, and that modern society requires to function properly,”

Adapting to change 

For those concerned about rising insurance costs, reassurance can be found in adaptations which have already been made by the insurance industry. From escalating flood concerns, schemes such as FloodRE have been implemented and insurance is increasingly becoming a part of resilience measures.

To find out more about protecting your business from extreme weather incidents with affordable and adaptable cover, get in touch with Amy or Ang at Adultsure on 01924 499182

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