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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.
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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4 07, 2016

Is your Commercial Property adequately covered?

By |2021-03-10T12:59:54+00:00July 4th, 2016|Commercial Property Insurance, Homepage Blog|0 Comments

Is your Commercial Property adequately covered? The most important factor when buying your Commercial property insurance is making sure you are adequately covered. The first thing you should do is check in detail that a policy and its conditions cover you for your needs. This is especially relevant in respect of the Sums Insured. Once you’ve made this assessment you should then only consider the price difference between the insurance companies that provide the specified level of cover. Premium is not a guide to quality and advice should be sought from an independent insurance broker. How many quotes should I get? There are far fewer Commercial Property insurance companies compared to the home and car insurance industry, so you will in most cases receive fewer quotes, and also these will be from companies you may not be familiar with. The documents and quotations should be studied thoroughly. Get a [...]

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9 05, 2016

Insurance Act 2015

By |2021-01-15T12:39:16+00:00May 9th, 2016|Homepage Blog|0 Comments

Insurance Act 2015 From the 12th August 2016 the Insurance Act of 2015 will come into effect. Written by Pen Underwriting if you click here you can read up on what you need to know. Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use [...]

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23 02, 2016

Pay attention Landlords…

By |2021-01-15T12:46:02+00:00February 23rd, 2016|Homepage Blog, Landlord Insurance|0 Comments

New Tenancy Regulation Comes Into Effect With thanks to GIS. Changes to Section 21 Notices 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 [...]

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17 02, 2016

Look after Employees…

By |2021-01-15T13:16:00+00:00February 17th, 2016|Homepage Blog, Shop Insurance, Uncategorized|0 Comments

Look after Employees With special thanks to our partners Aviva for giving this information that all business should adhere to: 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 how employers can look after their employees; Risk Assessment Your customers need to properly plan the work they are undertaking so all the necessary controls are in place to prevent accidents and injuries. How could the activity of their business put employees at risk? Health and Safety policy document Once you have decided what could go wrong and how to prevent it you need to ensure that employees abide by the health and safety requirements. Create a health and safety document which outlines the businesses commitment, responsibilities and general [...]

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17 01, 2016

Flood Recovery Guide

By |2021-01-15T13:16:35+00:00January 17th, 2016|Homepage Blog|0 Comments

Flood Recovery Guide Advice and guidance to help the victims of flooding through the initial stages of recovery. Written by the "Know your flood risk campaign". To read the full document please Click here...... Get a Quote Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use [...]

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17 01, 2016

Fire safety advice for landlords, managing agents, private dwellings, blocks of flats and home owners

By |2021-03-10T11:35:50+00:00January 17th, 2016|Block Of Flats Insurance, Homepage Blog, Landlord Insurance|0 Comments

Fire safety advice Devon and Somerset Fire and Rescue Service (DSFRS) are committed to making sure the community and visitors to the area it serves are safe from fire. DSFRS offers advice and guidance to business and commerce and the general public on all fire safety matters. The advice given in this section is intended to guide and advise Landlords, managing agents and owners of rented properties on best practice as well as your legal responsibilities under the Regulatory Reform (Fire Safety) Order (2005), this is commonly known as the Fire Safety Order (FSO). To view this document please Click here... (written by Devon and Somerset Fire and Rescue Service DSFRS). Get a Quote Insurance under one roof We are specialists in many types of insurance Block [...]

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14 01, 2016

Weather Warning

By |2021-01-15T13:03:44+00:00January 14th, 2016|Homepage Blog|0 Comments

Weather Warning The Met office has released the following weather warning: http://www.metoffice.gov.uk/public/weather/warnings/#WT.mc_id=Twitter_Warnings_Snow&tab=map&map= Warnings&zoom=5&lon=-3.50&lat=55.50&fcTime=1452729600 Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use Tradesmen Why choose the Property Insurance Centre [...]

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8 12, 2015

What to do after Flood?

By |2021-01-15T13:06:50+00:00December 8th, 2015|Homepage Blog|0 Comments

What to do after Flood? Flood Recovery Guide - What can you do once disaster strikes With thanks to the producers of this useful & practical guidance on what you can do, and where to turn to when you experience flooding to your property. Get a Quote Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car [...]

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3 12, 2015

What to do when there is bad weather!

By |2020-05-23T21:05:42+00:00December 3rd, 2015|Homepage Blog|0 Comments

What to do when there is bad weather! https://www.youtube.com/watch?v=5xzSJHnNbzE&feature=player_embedded Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use Tradesmen Why choose the Property Insurance Centre [...]

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16 10, 2015

Environment Agency guide on flooding

By |2021-01-15T13:23:00+00:00October 16th, 2015|Homepage Blog|0 Comments

Environment Agency guide on flooding With thanks to the Environment agency we are pleased to share this guide on what to do before, during and after a flood. Find out more here... Get a Quote Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use [...]

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16 10, 2015

Advice on Property Care

By |2021-01-15T13:27:38+00:00October 16th, 2015|Homepage Blog|0 Comments

Advice on Property Care With special thanks to RGA who produced this excellent guide in property care we thought our clients would find this guide helpful. Find out more here... Get a Quote Insurance under one roof We are specialists in many types of insurance Block of Flats Unoccupied Home Insurance Residential Landlord Land Liability Commercial Property Lockup Garage Restaurant Takeaway Classic Car Mixed Use Tradesmen [...]

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8 04, 2015

Winter weather – What should you do?

By |2021-01-15T13:41:07+00:00April 8th, 2015|Homepage Blog, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Escape of Water When temperatures start to fall, there are a few simple precautions that can be taken to ensure the continued well-being of your home, tenanted property or any other property that you own. One of the largest dangers to your home in periods of plummeting temperatures is that of burst water pipes. This happens when the water freezes within the pipe, expands thus damaging it, causing an escape when the water thaws. You should take the following steps to ensure that your property and its contents are not seriously damaged due to an escape of water: Ensure that your tanks and water tanks are well lagged. Unlagged pipes are far more likely to freeze in sub-zero temperatures. Insulation materials and lagging are relatively inexpensive and will frequently cost less than the policy excess charged by the insurer in the event of a claim. If the property is [...]

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8 04, 2015

Have you given the correct Reinstatement Cost?

By |2021-01-15T13:59:21+00:00April 8th, 2015|Landlord Insurance|0 Comments

Is your property fully insured? It is important that Commercial Property Owners insure their buildings to the correct rebuilding costs - if you don't you run the risk of under insurance. This is potentially devastating should you have a claim, where you are under insured by 50% and therefore the pay out of your claim will be 50% of the claim cost. This is known as the condition of average. One of our insurers has provided some useful information on how your can avoid this - if in any doubt, do not guess, get a professional reinstatement valuation! Please click in the link below for some further reading: Commercial Property Rebuilding Costs Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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8 04, 2015

Contractors all Risks

By |2021-01-15T13:44:27+00:00April 8th, 2015|Landlord Insurance, Tradesman Insurance|0 Comments

Contractors all Risks There are broadly two types of construction risks insurance.  The first covers damage to property, such as damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. The second covers liability for third party claims for injury and death or damage to third party property. Modern forms of contractors' all risks policies cover both. The basic principle is that contractors' all risks insurance covers those losses not covered by an 'excluded peril'. For example, the JCT contracts exclude from cover risks such as defects due to 'wear and tear, obsolescence, deterioration, rust and mildew, loss and damage arising out of war and for faulty workmanship and faulty design'. The benefit to the insured under this type of policy is that the burden is shifted to the insurer who, to resist the claim, is required to [...]

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8 04, 2015

Know your obligations when insuring your empty property

By |2021-01-15T13:47:21+00:00April 8th, 2015|Landlord Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Know your obligations when insuring your empty property There could be any number of reasons why you have an empty property: you are a landlord who has just bought a new investment property and you are waiting for tenants; you are a landlord or homeowner who is carrying out extensive renovations; you are an owner-occupier whose home will be uninhabited for a period of typically more than 30-45 consecutive days, while you are on an extended holiday, working abroad or another reason; you have inherited a probate property or are going through a divorce and waiting for the marital home to be sold… Whatever the reason why your commercial or residential property is empty, it is important that you: understand the need for specialist unoccupied property insurance in order to protect your investment; are aware of – and adhere to – any obligations under the policy cover. Get a Quote [...]

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8 04, 2015

Employer’s Liability Insurance Guide

By |2021-01-15T13:51:55+00:00April 8th, 2015|Landlord Insurance|0 Comments

Employer’s Liability Insurance Guide With a small number of exceptions, it is a legal requirement to carry Employer’s Liability Insurance to protect people from injury or disease whilst at work. Many businesses mistakenly think that as they do not ‘employ’ anyone that they are free from any obligation. The following aims to clarify the position. Why Do I Need Employers’ Liability Insurance? Under the Employers’ Liability (Compulsory Insurance) Act 1969 an employer is obligated to obtain Employers’ Liability Insurance to protect its employees should they be injured as a result of an accident at work, or become ill as a result of their work. In the event that the employer is responsible, compensation may have to be paid. Employers’ Liability Insurance ensures that the employer has adequate funds to pay this compensation. Am I Required To Have Employers’ Liability Insurance? There are few exemptions from the requirement to carry [...]

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8 04, 2015

What types of high street properties do you insure?

By |2022-07-13T13:26:32+00:00April 8th, 2015|Landlord Insurance, Shop Insurance|0 Comments

What types of high street properties do you insure? As you walk down any high street in Britain you will see a vast number of various businesses that all have different needs when they look for insurance to protect their commercial premises as well as the business itself. Here we take a brief look at the different types of properties on the high street and the different things that need to be considered when searching for relevant cover. Retail There will be a large number of retail properties on the high street, from fashion stores to charity shops; and from pet shops to betting shops. Even within this small number, you can already see some of the different types of insurance coverage that might be required. For example, here is just a small selection: public liability insurance; insurance for stock property cover; shop front insurance; employers’ liability insurance. Get [...]

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8 04, 2015

News round up

By |2020-08-05T11:11:23+00:00April 8th, 2015|Landlord Insurance|0 Comments

News Round-Up A quick look at the news and goings-on in the commercial and residential property world this month .. Growth in commercial property values The UK has seen its 13th month of continual commercial property value increases – up 8.5% so far this year. The strongest growth was, as expected, in the South East with increased returns in May 2014 of 2.2% against a1.8% increase in central London. As an investor this is great news, but as a business owner and property owner it could mean that if disaster did strike, you might find that you are underinsured. The cost of buildings cover may need to be revisited each year, so do make sure you take this into consideration, rather than simply accepting your renewal quote. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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8 04, 2015

Are you aware of asbestos regulations?

By |2020-08-05T11:00:17+00:00April 8th, 2015|Landlord Insurance, Office Insurance, Shop Insurance|0 Comments

Are you aware of asbestos regulations? Regulations exist for the management and control of exposure to asbestos because it is a potentially very dangerous material, prolonged exposure to which, says the National Health Service, may cause the life-threatening lung disease, asbestosis. The material becomes dangerous when it is disturbed by being broken, chipped, drilled into or simply allowed to deteriorate when it releases tiny fibres into the air which is breathed. There are three main types of asbestos: amosite – brown asbestos; crocidolite – blue asbestos; and chrysotile – white asbestos; Although each of these is potentially dangerous, the brown and blue varieties are much more dangerous than the white. Get a Quote Insurance under one roof We are specialists in many types of insurance Regulation Because all [...]

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8 04, 2015

Working from home tips

By |2020-08-05T10:58:07+00:00April 8th, 2015|Home Insurance, Landlord Insurance, Office Insurance|0 Comments

Working from home tips If you run your own business or are able to work from home on a permanent or semi-permanent basis, it may be hard to be disciplined. Here are a few tips to make sure you are able to maximise your time at your desk, and not get distracted by some of the things that you may not find in the office. But firstly, how many people actually work from home? According to the Office for National Statistics, between January and March 2014: There were 30.1 million people in the UK; of those, 4.2 million were home workers; homeworkers account for 13.9% of the UK workforce; the number of homeworkers has grown by 1.3 million and the rate by 2.8 percentage points since 1998. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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