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RobF

About Robert Fisher

Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.

Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.

The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.

His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.

Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.

He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.

As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).

As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
14 09, 2018

Increased Peril Cover on Unoccupied Residential Insurance for Mr Crawford

By |2020-05-21T15:24:42+00:00September 14th, 2018|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

We were delighted to offer Mr Crawford a gold package of cover for his unoccupied residential building insurance policy which entitles him to increased peril cover for only £220.63. Our Gold package on unoccupied residential insurance covers the following with regards to the buildings: Fire Lightning Explosion Earthquake Smoke Storm Flood Weight of Snow Escape of water from any interior fixed heating or domestic water installation, washing machine, dishwasher, refrigerator, or freezer Escape of oil from any interior fixed heating or domestic water installation, washing machine, dishwasher, refrigerator, or freezer Freezing or forcible or violent bursting to any fixed heating or domestic water installation at the Residence. Theft or attempted theft involving forcible and violent entry or exit Riot, strike, labour or political distribution or civil commotion Malicious persons Subsidence or heave of the site upon which the buildings stand or landslip Collision involving aircraft, aerial devices or anything dropped [...]

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16 07, 2018

Business Insurance

By |2020-05-22T14:23:54+00:00July 16th, 2018|Business Insurance, Homepage Blog|0 Comments

Property Insurance Centre are a specialist business insurance broker covering all over the UK and work with around 10 different insurance underwriters. One insurance provider that we work closely with are AXA.  AXA are an award winning provider with excellent claims handling support and unbeatable levels of cover and great rates. As a specialist commercial insurance provider we are able to offer business insurance cover from as little as £500. Why Choose Property Insurance Centre? Established in 1976 Dedicated new business team Let us do the searching for you to find the best cover and rates available Business insurance policies are perfect for offices, hairdressers, restaurants, dental surgeries and more.   We can offer affordable insurance for you whether you have just one commercial let property or an entire portfolio. If you are looking for a business insurance policy from AXA or any of our other insurance providers call Claire or [...]

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23 05, 2018

Incentives for Landlords, Estate Agents & Property Managers

By |2021-01-15T08:05:29+00:00May 23rd, 2018|Homepage Blog, Landlord Insurance|0 Comments

Incentives for Landlords, Estate Agents & Property Managers Property Insurance Centre have offered specialist insurance policies for commercial and residential landlords since 1976. We are an independent broker with access to a wide range of insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz. With offices in London and Newtownards, Northern Ireland we have thousands of clients all over the UK and a dedicated new business team ensuring that you do not have to deal with a call centre. Claire, Robert and Gavin are on hand to offer advice on any commercial or landlord insurance questions you may have as well as offering no obligation quotes. When it comes to commercial and landlord insurance policies there are very few companies who will offer a quote online facility. Therefore, if you call us on 0800 085 3761 let us do the searching for you, this also ensures that you [...]

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15 03, 2018

Public Liability Insurance Cover

By |2021-01-15T08:20:57+00:00March 15th, 2018|Homepage Blog, Public Liability Insurance|0 Comments

Are you looking for Public Liability Insurance? What is Public Liability Cover? Public Liability Insurance will take care of any injuries or damage that occurs to a property or person not associated with your business during the course of work. For example, if you were a cabinet fitter and a cabinet that you had just installed fell of the wall and knocked into someone else the injury claim would be settled by your insurance claim and the only expense to you would be the insurance excess. A lot of public liability insurance policies also include legal expenses cover. This can vary depending on the company and policy. Whether you are starting a business or have yet to look into getting insurance that can cover you in case of any accidents at work, you may want to get your public liability insurance from Tradesman Saver to protect your business from [...]

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14 02, 2018

Barbers Insurance in the UK

By |2020-05-22T14:52:28+00:00February 14th, 2018|Homepage Blog, Shop Insurance|0 Comments

Barbers Insurance in the UK If you are the owner of a Barbers or Hairdressers building or require cover for the buildings & contents, it is essential your get the correct level of cover under your insurance policy. Insurance for barbers or a Hairdressers can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – thinking of a customer entering your premises and tripping over the door in the way in an injuring themselves, or strong winds dislodging slates from the roof and injuring a person who [...]

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8 02, 2018

Unoccupied Commercial Property Insurance

By |2020-07-23T14:27:44+00:00February 8th, 2018|Commercial Property Insurance, Homepage Blog|0 Comments

Unoccupied Commercial Property Insurance Unoccupied insurance for Commercial Properties can be difficult to obtain. Furthermore finding an Insurance Broker that understands your requirements in respect of these properties can in itself be an insurmountable task. At Property Insurance Centre we have been insuring Unoccupied Commercial Properties for clients for over 30 years. We have a wide panel of insurers to choose from who have experience in underwriting in this area, from the major composites such as Aviva to the specialist Lloyds syndicates such as DTW 1991. We can accommodate unoccupied properties undergoing extensive works prior to letting, long term unoccupied properties and unoccupied properties awaiting sale. We can also insure former public houses which are often difficult to place due to the nature of the former business. We can arrange for different levels of cover depending on your requirements from the very basic Fire Cover to the more comprehensive [...]

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31 01, 2018

Directors & Officers Insurance

By |2021-10-19T18:48:54+00:00January 31st, 2018|Directors and Officers Insurance, Homepage Blog|0 Comments

Why Directors & Officers (Directors Insurance) from Property Insurance Centre is Important According to the survey, D&Os are exposed to a higher amount of personal liability than ever before. Since the survey began in 2011, D&Os have become personally liable for a variety of new offences, including bribery, corruption and fraud, environmental infractions, and lax health and safety. As the scope of liability widens for D&Os, the frequency of claims and investigations against them rises as well. In 2017, 36 per cent of UK respondents experienced a claim or investigation that involved D&Os at their company, up from 21 per cent in 2016. For D&Os in financial services, investigations against them jumped from 62 in 2015 to 152 in 2016. This follows a general UK trend, which saw a fourfold increase in D&O claims from 2005 to 2015, according to industry research. As tougher regulations, such as the GDPR, [...]

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14 08, 2017

Are you underinsured?

By |2021-01-15T08:26:54+00:00August 14th, 2017|Homepage Blog|0 Comments

Are you underinsured? According to Building Cost Information Service, 40% of businesses do not have enough business interruption cover to get them back on their feet.  So have you worked out what you need to be insured against, how long you really need your cover to last for and exactly how much cover you think you will need to actually recover - or are you under-insured??  If you aren’t sure, read this guide from the British Insurance Broker’s Association’s for small and medium sized businesses on how to avoid under-insurance. This 12 page guide provides a range of practical tips and sign posting on how to calculate what level of cover you actually need and summarises your obligations in relation to insurance.  Once you have had a read and considered your insurance requirements, give us a call at Property Insurance Centre so that we can talk you through everything [...]

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28 06, 2017

A Simple guide to making an insurance claim in London

By |2021-01-15T08:32:20+00:00June 28th, 2017|Homepage Blog|0 Comments

A simple guide to making an insurance claim in London Pembroke Property Management helps Leaseholders with insurance claims in our managed blocks throughout London, Kent and Sussex. When making an insurance claim, the first port of call is to consider whether or not making an insurance claim is worthwhile. Insurance policies have a figure called the excess to consider. The excess is the part that you must pay yourself. Claimants must also consider the reinstatement value, this is what the insurers will be paying for, an example of this would be a leak into the ceiling. The insurance claim will cover the cost of investigating the leak and repairing the ceiling, but it does not cover the cost of repairing the leak. It is also worth noting that your insurance premium could increase when you renew the policy or the excess can also increase at renewal. Get a Quote [...]

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27 06, 2017

New Tenancy Regulations Comes into Effect

By |2021-01-15T08:38:17+00:00June 27th, 2017|Homepage Blog, Tenant Liability Insurance|0 Comments

New Tenancy Regulations Comes into Effect Section 21 notices are used to evict tenants at the end of their fixed term. Under the new regulations, landlords can no longer issue a Section 21 notice within the first four months of tenancy. And if a landlord has been issued a Relevant Notice by their local council regarding the condition of a property, they cannot then use a Section 21 notice for the next six months – this is in order to prevent retaliation evictions against tenants who have raised complaints. Mandatory Documents to Provide Under the new rules there are several documents that a landlord must provide to each tenant in their property: EPC energy efficiency certificate Gas safety certificate DCLG How to Rent Guide Failure to provide these documents at the start of each tenancy could render a Section 21 notice invalid, so it is important for landlords to [...]

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25 05, 2017

Learn more about the Enterprise Act 2016

By |2021-01-15T08:40:31+00:00May 25th, 2017|Homepage Blog, Shop Insurance|0 Comments

The Enterprise Act 2016 Passed on 4 May 2016, the Enterprise Act 2016 (the “Act”), now gives policyholders a potential right to claim damages in the event of late payment of claims. The provisions will come into effect on 4 May 2017 and will apply to every (re)insurance policy placed or renewed on or after that date, if it is subject to the laws of England and Wales, Scotland, or Northern Ireland. The provisions making the changes will be an amendment to the Insurance Act 2015. Current Law Under current law1, damages for late payment of claims are not recoverable from insurers. An insured can only recover what it is owed under the policy and cannot recover from insurers any additional losses it has suffered due to delay in payment by them. New Act Under the Act, it will be an implied term of every contract of insurance that [...]

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8 05, 2017

Security Tips for your Property

By |2021-01-15T08:42:09+00:00May 8th, 2017|Home Insurance, Homepage Blog|0 Comments

Security Tips for your Property It is an important condition of your insurance that you take all reasonable measures to avoid loss or damage to your property by following basic security guidelines. • Do not leave keys under the mat or inside the letterbox or anywhere else they can be found easily. • Use the door and window protections when you leave the home unattended, day or night, and remove the keys from the locks (including the garage). • Any tenants and permitted occupiers should be advised on the security measures they must take regarding basic protection of the property. • All opening sections of basement, ground floor or easily accessible windows, which can be entered without using ladders or props, should be fitted with key-operated locks. • Locks identified as being suitable for external use must be fitted and used at all times. Get a Quote [...]

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12 04, 2017

Latest Property Insurance News, UK

By |2021-01-15T08:52:58+00:00April 12th, 2017|Commercial Property Insurance, Homepage Blog, Residential Landlords Insurance|0 Comments

News Round-up Stamp duty increases for buy-to-let and second properties From the 1st April 2016, landlords became subject to an extra 3% stamp duty land tax (SDLT) surcharge. The regulations also apply to anyone purchasing a property in addition to their main home, with: -An additional 3% SDLT for the first £125,000 -5% instead of 2% on the portion between £125,001 and £250,000 -8% on the amount above £250,001. Landlords and second property buyers can use Knight Frank’s stamp duty calculator to see how much they will be liable for. http://www.knightfrank.co.uk/buy-to-let-stamp-duty-calculator Get a Quote Insurance under one roof We are specialists in many types of insurance HMO licencing For landlords of an HMO (House in Multiple Occupation), registration with your local authority is now obligatory. HMO landlords [...]

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14 12, 2016

Competitive Home Insurance Northern Ireland

By |2021-01-15T11:12:49+00:00December 14th, 2016|Home Insurance, Homepage Blog|0 Comments

Competitive Home Insurance Northern Ireland For competitive and wide ranging cover for home insurance across Northern Ireland give the Property Insurance Centre a call FREE on 0800 085 3761. We offer a great rates and cover for home insurance policies due to our access to a wide range of underwriters. Cover is extensive and includes : Buildings up to £500,000 Alternative accommodation Trace and Access Legal Liability to the public Replacement of locks and keys Contents - £50,000 Accidental Damage Extensions Money & Credit Cards The above are just some of the features under our home insurance policy. For a bespoke quote call Claire, Robert or Gavin on 02891 828899. Get a Quote Insurance under one roof We are specialists in many types of insurance Block of [...]

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18 11, 2016

Commercial Property Insurance in Bangor & Newtownards

By |2021-03-10T13:03:11+00:00November 18th, 2016|Commercial Property Insurance, Homepage Blog|0 Comments

Commercial Property Insurance in Bangor & Newtownards • Do you own a commercial property in Newtownards or Bangor? • Do you reinsure every year with the same broker without checking the market? • Has your premium increased every year without an explanation? • Is your cover adequate for your needs? If you can’t answer the above questions then it’s time that you contact your local expert commercial property insurance broker, The Property Insurance Centre, and review your current arrangements to ascertain if they are still adequate for your needs. We can insure all types of commercial property, even difficult to place risks. We have a wide panel of rated insurers such as Aviva, Axa , Royal & Sun Alliance and Allianz to name a few. We can insure retail premises, restaurants, warehouses, factories, commercial and residential mixed use buildings. We offer a wide range of covers for the above , [...]

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13 09, 2016

Common Property Insurance Terms & what they actually mean

By |2021-03-10T12:53:45+00:00September 13th, 2016|Commercial Property Insurance, Home Insurance, Homepage Blog, Landlord Insurance|0 Comments

Common Property Insurance Terms & what they actually mean Within property insurance policies there are a myriad of terms and phrases which can be confusing and daunting to the prospective purchaser. I have taken a few of the most common ones here and provided a short explanation of what it actually means. Accidental Damage – Often this is confused and it limitations badly understood. Simply it refers to damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman's terms, that usually means an unintentional one-off incident that harms your property or its contents. However there are a few exclusions such as animal related damage ,general wear and tear and mechanical failure. DIY damage can have some exclusions under policies, ie such as some plumbing and electrical work, unless completed by a professional. Property Owners Liability – Property owners' liability insurance enables you to [...]

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22 08, 2016

Alarm Types & Their Response Times

By |2021-01-15T11:32:59+00:00August 22nd, 2016|Homepage Blog, Office Insurance, Shop Insurance|0 Comments

Alarm Types & Their Response What sort of police response should I expect? ACPO (The Association of Chief Police Officers of England, Wales and Northern Ireland), who specify Police Force/Constabulary Service guidelines, introduced a new policy on Police Response to Security Systems in 2000 which was last revised in April 2012 (download the ACPO Policy on Police Response to Security Systems (April 2012)), and since an Appendix F was added in January 2013 (ACPO Policy on Police Response to Security Systems - Appendix F (Jan 2013)). These guidelines (the ACPO Policy) state that the Police Force will only attend monitored intruder alarms that 'confirm' alarm activations, whereas previously, the Police would respond at the first activation without requiring confirmation. Normally, an alarm is considered 'confirmed' when a second detection device is activated during the same intrusion. This verifies that there is definite movement at the premises and therefore there [...]

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3 08, 2016

What is Property Owners Liability Insurance?

By |2020-07-23T14:33:18+00:00August 3rd, 2016|Homepage Blog, Property Owners Liability Insurance|0 Comments

Property Owners Liability - What is it? Essentially property owners’ liability insurance policy protects landlords and property owners for claims made against then in relation to their legal liability for personal injury or property damage suffered by third parties and arising from the policyholder’s ownership of the property. As a property owner you have a legal responsibility to ensure that your property is well maintained and does not present unnecessary risks of injury or property damage to either tenants, visitors to the premises or members of the public outside the building. What level of cover do I need for property owners liability insurance? Each policy has what is known as a limit of indemnity, i.e the maximum amount that will be paid out in the event of a claim occurring. The policy will also include legal costs associated with the defence of a claim, in some cases these are [...]

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11 07, 2016

Problems Insuring your Garage

By |2020-07-21T12:43:23+00:00July 11th, 2016|Homepage Blog, Lock up Garage Insurance|0 Comments

Problems getting Garage Insurance? Buildings and Liability Insurance for Lock up garages can be difficult to source and most companies will not even entertain quoting for them. This is basically down to a lack of their understanding of the risk, or not interested in what they view as low volume business. This is not how we view garage insurance. As an independent insurance broker we endeavour to service all our clients needs and lock up garages are one such offering. A garage may need to be insured separately if detached from a residential property by a significant distance , or if the garage has been purchased independently ie by an occupant of a flat where the garage does not come under the buildings policy. The sums insured tend to be quite low but larger garages with more intricate design are becoming a feature. Insuring these properties and in some [...]

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9 07, 2016

Why should I buy Insurance for an Unoccupied Property?

By |2021-01-15T11:36:41+00:00July 9th, 2016|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Why should I buy Insurance for an Unoccupied Property? This may seem like a no brainer , but many people think that an unoccupied property attracts less risk than an unoccupied one and that insuring this type of property is a ’ waste of money’. This is most definitetly not the case and if insurance is needed , it is nowhere near as important than that for an unoccupied property. The evidence shows that these category of property are more likely to face larger claims than any other type and for in greater frequency. They are often a magnetic for anti social behaviour and the effects thereoff. In most cases cover will be restricted to Fire, Lightning , Explosion & Aircraft (FLEA) and property owners liability. In the case of a fire which will not be discovered early this cover is crucial in putting the property back to a [...]

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