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Understanding how professional services are insured.
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Matching Your Pi Limit to Your Contracts

Gerald Ntumba-Whitlock August 13, 2026August 13, 202611 min read

I remember sitting in a cramped, windowless office in the mid-nineties, staring at a stack of claim files that smelled …

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How tradespeople should structure cover policies.
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The Three Policies a Trade Actually Needs

Gerald Ntumba-Whitlock August 7, 2026August 7, 202612 min read

I remember standing in a half-finished kitchen in Surrey back in ’94, the air thick with sawdust and the smell …

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Understanding how contractors are insured onsite.
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Contract Works Cover on a Live Site

Gerald Ntumba-Whitlock August 5, 2026August 5, 202611 min read

I remember standing in a half-finished kitchen three decades ago, the air thick with sawdust and the smell of damp …

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How tools and equipment are covered stolen.
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Tools Stolen From a Van Overnight

Gerald Ntumba-Whitlock July 23, 2026July 23, 202611 min read

I remember standing in a damp, half-finished workshop in Bristol back in ’94, looking at a van that had been …

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How goods in transit cover works explanation.
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Goods in Transit and Vehicle Security Conditions

Gerald Ntumba-Whitlock July 16, 2026July 16, 202612 min read

I remember standing on the rain-slicked loading bay of a warehouse in Birmingham back in ’94, staring at a crushed …

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How stock should be insured seasonally.
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Insuring Stock That Peaks in December

Gerald Ntumba-Whitlock July 11, 2026July 11, 202612 min read

I remember standing in a warehouse in Leeds back in ’94, the air thick with the smell of burnt plastic …

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How shop and premises cover works guide.
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Stock, Glass and the Liability Section

Gerald Ntumba-Whitlock July 8, 2026July 8, 202611 min read

I remember standing in the middle of a small boutique in East London, the air thick with the acrid, unmistakable …

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Explaining how business insurance packages work.
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Package Policies and the Gaps Between Sections

Gerald Ntumba-Whitlock June 30, 2026June 30, 202611 min read

I remember standing in a warehouse in South Africa back in ’94, the smell of scorched electrical components still heavy …

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How van and commercial vehicle cover differs.
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Carriage of Own Goods Versus Hire and Reward

Gerald Ntumba-Whitlock June 24, 2026June 24, 202611 min read

I remember standing in a muddy driveway in Surrey back in ’94, looking at a local plumber who was absolutely …

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Explaining how classic car insurance works.
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Agreed Value and Limited Mileage

Gerald Ntumba-Whitlock June 16, 2026June 16, 202611 min read

I remember standing in a damp garage back in ’94, looking at a pristine 1967 Jaguar E-Type that had been …

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