Most businesses assume that if they have insurance in place, a claim will be paid. Unfortunately, the reality is often more complex. Many claims don’t fail because an incident didn’t happen - they fail because policy conditions, definitions, or disclosures don’t align with real-world operations . Common Reasons Claims Become Problematic Through our experience supporting clients with claims, we regularly see issues arise due to: Policy conditions not being met (maintenance, se

The commercial insurance market has shifted noticeably over the past 12–18 months. After several years of rising premiums and reduced insurer appetite, many businesses are now operating in what is known as a softer market . But what does this actually mean - and how can businesses benefit without increasing risk? What Is a Soft Insurance Market? A soft market typically means: Increased competition between insurers Greater appetite for new business More flexibility on pricing

The retail landscape in the UK continues to evolve dramatically, and that evolution brings risk, opportunity, and fresh challenges for businesses of all sizes. From shifting consumer habits and rising crime to cyber threats and cost pressures, retailers must rethink how they protect people, premises and profits. At Vista NW Ltd, we’ve helped local shops, high-street brands and digital retailers secure the right cover for their operations. Here’s a look at the key trends shapi

For property investors, landlords, developers and real estate professionals, commercial property is more than bricks and mortar, it’s a major asset, income stream and long-term investment. Protecting that asset with the right insurance cover  isn’t just sensible, it’s essential. That’s where specialist advice and sector-focused solutions make all the difference. Why Property & Real Estate Insurance Matters Commercial property insurance provides critical financial protection a

As we begin 2026, the engineering sector continues to be a backbone of the UK economy, driving innovation, supporting infrastructure and creating products and systems that define modern life. But while opportunities remain strong, the sector faces ongoing challenges that make effective risk management and tailored insurance more important than ever. A Sector Under Pressure But Still Essential Recent industry analysis highlights persistent strains across UK manufacturing and e

The UK leisure sector, from gyms and leisure centres to pubs, hotels, entertainment venues and activity providers, has shown resilience and adaptability in recent years. Yet rising costs, changing consumer behaviour and evolving operational risks mean leisure businesses must take a fresh look at how they manage risk and protect their future. Here’s a snapshot of the key issues shaping leisure insurance in 2026 and what operators should be thinking about now. 1. Rising Operati

As we kick off 2026, the UK hospitality industry, including pubs, cafés, restaurants and hotels, continues to adapt in the face of significant economic pressures and evolving consumer expectations. With cost increases, staffing challenges and changing demand patterns shaping the operating environment, hospitality businesses need not only vision but robust risk protection to secure resilience and long-term success. An Industry Under Pressure Recent data shows that many hospita

As the UK construction sector looks ahead to 2026, the industry is navigating both opportunities and challenges. Forecasts suggest modest growth across key segments like housing repair, infrastructure and non-residential projects, even amid economic headwinds. Strategic planning, risk management and insurance protection will play an essential role in keeping projects moving and businesses resilient throughout the year. The Construction Outlook The latest market analysis shows

More people than ever are launching side hustles, turning their passions into income, and running their own businesses from home. For many, this flexibility is deeply empowering, but settling into entrepreneurship also brings unpredictable challenges like financial risk, burnout, and the burden of administration. One of the biggest misconceptions new business owners face is around protection: working from home doesn’t necessarily mean you’re covered. Many standard home insura

Electric vehicles (EVs) are reshaping transport, but with the shift comes a new risk landscape for property owners, facilities managers and insurers. At Vista NW, we believe being proactive now can help you safely capitalise on this electrified future. Understanding the Risk: Fire is not more likely but it behaves differently Surprisingly, EVs aren’t more likely  to catch fire than traditional petrol or diesel cars. However, when EV fires do occur, particularly those involvin

Fire risk is evolving  — and many businesses are investing heavily, only to discover their insurance won’t fully protect them when things go wrong. A recent Zurich webinar highlighted major trends: lithium-ion batteries and solar panels now feature in an increasing number of fires.  Yet the bigger problem?  Underinsurance.  Many businesses do not review their rebuild cost assessments regularly or account for rising labour and materials. In one example, a company insured for £

When you’re managing a new development, the list of responsibilities can feel endless — from securing land and funding, to coordinating design teams, planning permissions and construction. Amid all that, arranging latent defects cover (or structural warranty insurance) can easily feel like just another box to tick. But choosing the right cover — and the right provider — is about far more than compliance. It’s about protecting your investment, your buyers, and your reputation

The UK’s manufacturing sector is evolving at pace. Once defined by heavy industry and long production cycles, it’s now driven by innovation, sustainability, and technology — but also challenged by complex risks that demand greater resilience and smarter risk management. Despite ongoing pressures — from high energy costs and supply chain disruption to skills shortages and regulation — UK manufacturing remains a cornerstone of the economy. Contributing more than £217 billion  t

Automatic sprinkler systems are one of the most reliable and effective forms of fire protection available. When correctly designed, installed and maintained, they can dramatically reduce the risk of loss and damage to property. But what happens when a system needs to be taken out of service — even temporarily? A sprinkler system that is shut down or inoperative, whether partially or fully, is considered impaired . During this time, fire protection is reduced, and the risk to

Property is often one of a business’s largest assets. Whether manufacturing premises, a logistics hub, warehousing, or a commercial office building, the protection afforded by insurance is only as strong as the accuracy of the declared values. At Vista NW, we emphasise that a robust cover begins with a sound basis: a reliable reinstatement cost assessment (RCA).According to Zurich, the industry faces a significant underinsurance issue — more than 40% of claims are impacted by

Overview The 2024 Joint Code of Practice (JCoP) for the Escape of Water provides a framework to mitigate water damage risks on construction sites. Developed by insurers, construction professionals, and risk managers, it addresses growing water-related incidents that disrupt projects and cause financial losses. Why It’s Essential Financial Impact : Water damage causes costly delays, repairs, and reputational harm. Risk Mitigation : The JCoP outlines preventative strategies for

Due to the adoption of the Building Safety Act, it now means there are greater legal duties on Architects, Engineers, and Project Managers in relation to building design, safety processes, compliance checks, product selection and post completion safety management. There are increased competency expectations and severe penalties for non-compliance by individuals and firms. Key obligations are as follows: A new safety case regime Developers must create and maintain a safety cas

At Vista NW, we regularly arrange cover for a variety of specialist construction risks. These include Surety Bonds, Legal Indemnities and Owner Controlled Insurance’s.  We are committed to meeting the many challenges development projects face, at every stage of the process. Today, we are looking at a type of insurance that developers and funders must consider, very early in their risk management strategy.  Rights of Light insurance. There are financial and health benefits to

At Vista NW, we are an independent Insurance Brokerage with a strong presence in the construction sector.  We are the only insurance broker to be members of Build Offsite (BOS) and The Modular and Portable Building Association (MPBA), which demonstrates our commitment to this sector.   We look after a wide range of modular clients and their projects.  We are deeply passionate about modular construction and the potential it brings to the UK.  The cost, safety, and quality impr

Latent Defect Insurance (LDI) Developers automatically think to obtain a latent defect (LDI) or structural warranty insurance policy when building residential homes.  This is so a mortgage can be obtained by purchasers, due to the UK Finance requirement for a 10-year warranty to be in place on homes sold during this period. But what if you plan to build a commercial, build to rent or mixed-use project? Commercial projects There is no requirement for commercial properties to h